Kuyini Ukudluliselwa Kwe-Telegraphic (T/T)?
Ukudluliselwa Kwe-Telegraphic (T/T), okwaziwa nangokuthi ukudluliselwa nge-wire, kuyindlela yokukhokha esheshayo neqondile esetshenziswa kabanzi kwezentengiselwano zamazwe ngamazwe. Kuhilela umthumeli (ngokuvamile umngenisi/umthengi) oyalela ibhange lakhe ukuthi lidlulisele inani elithile lemali ngogesi ku-abazuzi(ngokuvamile i-akhawunti yasebhange yomthumeli/umthengisi).
Ngokungafani nezincwadi zesikweletu (L/C) ezithembele eziqinisekisweni zasebhange, i-T/T isekelwe ekuzimiseleni komthengi ukukhokha kanye nokuthembana phakathi kwamaqembu okuhweba. Isebenzisa amanethiwekhi ebhange anamuhla (isb., i-SWIFT, i-Society for Worldwide Interbank Financial Telecommunication) ukuqinisekisa ukuthi izimali zidluliselwa ngokuphephile nangokuphumelelayo ngaphesheya kwemingcele.
Isebenza Kanjani I-T/T Ekuhwebeni Kwamazwe Ngamazwe? (Inqubo Ejwayelekile Yezinyathelo Ezi-5)
Vumelana Ngemigomo Yokukhokha: Umthengi nomthengisi bayaxoxisana futhi baqinisekise i-T/T njengendlela yokukhokha kwinkontileka yabo yokuhweba (isb., “i-30% kusengaphambili i-T/T, ibhalansi engu-70% i-T/T uma iqhathaniswa nekhophi ye-B/L”).
Qala Ukukhokha (uma ukukhokha kusengaphambili): Uma kudingeka ukukhokha kusengaphambili, umthengi uthumela isicelo se-T/T ebhange lakhe (ibhange elithumela imali), enikeza imininingwane efana negama lebhange lomthengisi, inombolo ye-akhawunti, ikhodi ye-SWIFT, kanye nenani lokudlulisa. Umthengi ukhokha nezimali zesevisi zebhange.
Ibhange Licubungula Ukudluliselwa: Ibhange elithumela imali liqinisekisa ibhalansi ye-akhawunti yomthengi bese licubungula isicelo. Lithumela umyalelo wokukhokha nge-elekthronikhi ebhange lomthengisi (ibhange elizuzayo) ngamanethiwekhi aphephile (isb., i-SWIFT).
Ibhange Elizuzayo Lifaka Imali Ku-akhawunti: Ibhange elizuzayo lithola imiyalelo, liqinisekise imininingwane, bese lifaka inani elihambisanayo ku-akhawunti yasebhange yomthengisi. Libe selikwazisa umthengisi ukuthi imali isitholiwe.
Inkokhelo Yokugcina (uma ibhalansi ikhokhwe): Ngezinkokhelo zebhalansi (isb., ngemva kokuba izimpahla zithunyelwe), umthengisi unikeza umthengi amadokhumenti adingekayo (isb., ikhophi ye-Bill of Lading, i-invoyisi yezentengiselwano). Umthengi uhlola amadokhumenti bese eqala inkokhelo ye-T/T esele, elandela inqubo efanayo yokudlulisa nge-elekthronikhi.
Izici Eziyinhloko ze-T/T
| Izinzuzo | Ukungalungi |
| Ukudluliselwa kwemali okusheshayo (ngokuvamile izinsuku ezingu-1-3 zebhizinisi, kuye ngezindawo zasebhange) | Akukho siqinisekiso sebhange kumthengisi – uma umthengi enqaba ukukhokha ngemva kokuthunyelwa kwezimpahla, umthengisi angase abhekane nezingozi zokungakhokhi. |
| Izindleko zokuthengiselana eziphansi uma kuqhathaniswa ne-L/C (kusebenza izimali zesevisi yasebhange kuphela, azikho izimali zokubhala eziyinkimbinkimbi). | Ithembela kakhulu ekwethembeni phakathi kwamaqembu - abalingani abasha noma abangathembekile bangase bangabaze ukukusebenzisa. |
| Inqubo elula enemibhalo emincane (asikho isidingo sokuthobela imithetho eqinile njenge-L/C). | Ukushintshashintsha kwezinga lokushintshaniswa kwemali kungathinta inani langempela elitholwa ngumzuzi, njengoba izimali ziguqulwa ngesikhathi sokudluliselwa kwemali. |
Imigomo Yokukhokha Ejwayelekile Ye-T/T Kwezohwebo
I-T/T ethuthukisiwe (100% noma ingxenye): Umthengi ukhokha yonke noma ingxenye yenani eliphelele ngaphambi kokuba umthengisi athumele izimpahla. Lokhu kusiza kakhulu umthengisi (ingozi ephansi).
Ibhalansi ye-T/T Uma Iqhathaniswa Nemibhalo: Umthengi ukhokha inani elisele ngemuva kokuthola nokuqinisekisa amakhophi emibhalo yokuthumela (isb., ikhophi ye-B/L), eqinisekisa ukuthi umthengisi ugcwalise izibopho zokuthumela.
Inkokhelo/Inkokhelo Ngemva Kokufika Kwezimpahla: Umthengi ukhokha ngemva kokuhlola izimpahla lapho zifika echwebeni lokuya kulo. Lokhu kuhle kakhulu kumthengi kodwa kunengozi enkulu kumthengisi.
Izimo Ezisebenzayo
Ukuhwebelana phakathi kwabalingani besikhathi eside nabathembekile (lapho ukwethembana okubambisanayo kunciphisa khona izingozi zokukhokha).
Ama-oda okuhweba amancane kuya kwaphakathi (angabizi kakhulu uma kuqhathaniswa ne-L/C yokuthengiselana okunenani eliphansi).
Ukuthengiselana okuphuthumayo (isb., izimpahla ezithinta isikhathi) lapho ukudluliselwa kwemali okusheshayo kubalulekile khona.
Ukuthengiselana lapho izinhlangothi zombili zikhetha indlela yokukhokha elula neguquguqukayo kunezinqubo eziyinkimbinkimbi ze-L/C.
Isikhathi sokuthunyelwe: Agasti-26-2025
