Izizathu ezibini ezibalulekileyo ze-Akhawunti yeBhanki yeBhanki kufuneka
I-akhawunti yebhanki yebhanki ibalulekile ekugcineni iindleko zoshishino kunye neendleko zakho kunye neengeniso ezihlukeneyo kwaye ugcine irekhodi lakho elitsha lokugcina irekhodi .
Ukuthembeka kwezoshishino
Ukuba ne-akhawunti yebhanki yebhankini inikeza ibhizinisi lakho elitsha ngokuthembeka (kunye nabathengi kunye nabathengi abanokuba ngabathengi) kubaluleke kakhulu xa uqala ishishini .
Ukuba ngaba abanye abathengi bakho basebenzisa iirekhodi ukuhlawula i- invoyisi yakho ingcali ebonakalayo ekubonakaleni ukuba babhale i-"Acme Corp" kunokuba "uJohn Smith", njengokuba uhlawula i-invoyisi zeshishini kunye nokuhlola okwehlukeneyo okanye ishishini elithile ikhadi letyala. Ukuba ufuna abathengi bakwazi ukubhala ukuhlola kwigama lakho lebhizinisi ufuna i-akhawunti yebhanki yebhanki.
Rhafu
Ukuba ne-akhawunti yezohlukeneyo yoshishino ibaluleke nakwiinjongo zerhafu. Enye yeendlela ezilula ukukhawulela ingqalelo kwi-Arhente yeRevenue Revenue Agency (CRA) kukuqhuba ishishini kunye neendleko zebhanki kunye ne-akhawunti yebhanki. Ukugcina i-akhawunti yebhanki yebhankini ehlukeneyo kunye neentlawulo zakho zezimali ezichaphazelekayo zinikeza inkcazo ecacileyo yengeniso yoshishino kunye neendleko xa uphicothwe yi-CRA .
Nangona kukhuthazwa ukuba kube ne-akhawunti ehlukeneyo kubini kunye nezoshishino ezibandakanyiweyo , kubaluleke kakhulu kwiinkampani.
I-corporation ithathwa njengeziko elihlukeneyo kwaye ngoko loo nto impahla ye-owner (s) ikhuselekile kwi-akhawunti.
Nangona kunjalo, kwiimeko ezithile (njengento yokunyaniseka kwabaphathi okanye abanikazi beenkampani) inkundla inokungahoyili "imbambano ehlukeneyo" yenkampani kwaye ibambe abalawuli okanye abanini-nxaxheba kwenkampani ngokwabo.
Oku kwaziwa ngokuba "ukubhoboza umkhusane wequmrhu", kunye nenye yeendlela ezichanekileyo ezingasetyenziselwa ukuchonga oku kungumlinganiselo wokwahlukana phakathi kwemisebenzi yezemali yomnini kunye nomsebenzi. Ngaloo ndlela, i-akhawunti yebhanki yebhanki eyahlukileyo yenkampani ebandakanyweyo kufuneka.
Kutheni ukuba iibhanki zebhanki zoshishino zibiza ngaphezu kwee-akhawunti?
Into yokuqala oyifumanayo malunga ne-akhawunti yebhanki yebhanki kukuba ihlala ibiza imali engaphezulu kwee-akhawunti zebhanki yakho kwaye ihlawule ngokukhawuleza inzala kwimali. Nangona kunjalo, kukho ezinye izizathu ezifanelekileyo zezi (ngaphandle kokuncedisa okulungileyo kwiibhanki):
- I-akhawunti yebhanki yebhanki iyimpahla ebanjwe ishishini kwaye okokuba ukuba ishishini lithengiswa i-akhawunti yasebhanki ifakwe kwisitengiso (esinye isizathu sokuba i-akhawunti yebhanki eyahlukeneyo imele imfuneko yeenkampani).
- I-akhawunti yezo shishino inokuba negunya lokutyikitya ezininzi - Kuqhelekileyo ukuba amashishini abe nomntu ongaphezu komnye kunye negunya lokusayina kwi-akhawunti (umzekelo abanye abalawuli, abanikazi bamashishini, abaphathi, abagcini-mali, njl). ezimbini zisayinwe kwiintlobo zentengiselwano. Nge-akhawunti yezoshishino, unakho ukuba ube namaqela ahlukeneyo asayina. Ngokomzekelo, elinye iqela lingabonakaliswa ngabasayina kuphela (kubantu abazithembekileyo) kunye namanye amaqela angafuna iimpawu ezibini. Qaphela ukuba i-akhawunti ye-intanethi ye-intanethi iphinde ixhase "igunya lomqondiso wesibini".
Ngethamsanqa, iifizi zebhanki zindleko zoshishino ezithintekayo . Xa ukhangela i-akhawunti yebhanki yebhanki kuthathe ixesha lokuthenga ngeenxa zonke, kuba kukho ukungafani nakwiimirhumo eziqhotyoshelweyo kwiakhawunti yezo shishino, kuxhomekeke kwinani lentlawulo yenyanga, ibhalansi ye-akhawunti, njl. Linganisa inani leentengiselwano oba ukwenza kwinyanga eqhelekileyo kunye ne-balance balance yeyona nto uyenayo kwaye uyayithelekisa oku kunye neshedyuli yentlawulo yeebhanki. Qaphela ukuba ukuba ishishini lakho lingadingi i-bank banking i-akhawunti ye-intanethi ye-intanethi ingaba yabiza.
Ibhanki elungileyo linokuba ngumlingani wakho webhishini
Iziphumo zeBusiness Banking i-Gallup Poll ye-2013 zityhila inqanaba eliphezulu lokunganeliseki phakathi kwabanini-bhankini kunye neebhanki zabo (32% "babenomdla" ngokuphathelele kwiziko labo lemali). Ngaphandle kwemirhumo, kukho ezinye izinto ezininzi xa ukhangela ibhanki yoshishino, njengale:
- Ukufumaneka kwemali-mboleko kunye nemigangatho yoshishino yekhredithi.
- Izinketho zebhanki yefowuni.
- Ukukwazi ukujongana neakhawunti kunye nesofthiwe yohlolo-mali . Iiphakheji ezininzi zeekhompyutheni zengxelo zikwazi ukudibanisa ngqo kwi-akhawunti yebhanki yebhanki kumaziko amabhanki athile.
- Ukuthethelela - Ukuba usenza ishishini kwendawo yakho uya kufuna ukuhamba ukufikelela kwisebe ngaphakathi kwendawo yakho. Ukuphuhlisa ubudlelwane obuqinileyo kunye nebhanki yakho yendawo kunokufumana inzuzo enkulu kwi shishini lakho - unakho amathuba okuphumelela ekufumaneni imali encinci yezemali , umzekelo.