Uma sikhuluma ngebhange lomphakathi ezweni lethu, asisho nje kuphela ukuba negatsha eliseduze, kodwa sisho isu elisekelayo elihlanganisa ubuchwepheshe obusezingeni eliphezulu nensizakalo eyenzelwe wena . Lo mkhakha ushintshe kakhulu, usuka ezinhlakeni eziqinile uye kumamodeli aguquguqukayo kakhulu ahlose ukuqonda izidingo zamakhasimende kuzo zonke izigaba zokuphila kwawo.
Namuhla, uhlelo lwezezimali lwaseSpain luyindawo lapho izikhulu ezinkulu ze-omnichannel, ama-cooperative asemakhaya , kanye nenethiwekhi ekhula ngokushesha yama-ejenti azimele zihlala khona ndawonye. Isihluthulelo sempumelelo yamanje sisekuhlukaniseni umnikelo ukuze osomabhizinisi, abalondolozi abasebasha, kanye nabantu abanezigidi zezimpahla bonke bazizwe sengathi lesi sikhungo sikhuluma ulimi lwabo.
Ukwakhiwa kwebhange lokuthengisa kanye nokwahlukaniswa kwamakhasimende
Ukuze amabhange abe ezentengiselwano futhi asebenze kahle ngempela, izikhungo zihlukanise izinsizakalo zazo ngezigaba ezicacile kakhulu. Ngakolunye uhlangothi, kukhona amabhange okuthengisa , agxile kulawo anebhalansi efika ku-€60.000, lapho ukuguquguquka kwedijithali kanye nama-akhawunti asebhange angcono kakhulu eSpain ezixazululo ezilula, zansuku zonke kubekwa phambili. Umgomo lapha ukwenza impilo ibe lula kumsebenzisi, okumvumela ukuthi aphathe konke kusuka kumakhalekhukhwini wakhe ngenkathi azi ukuthi unokusekelwa uma kuvela inkinga.
Uma sikhuphuka izinga, sithola i-Premier Banking , eyenzelwe amakhasimende anezimpahla eziphakathi kuka-€60.000 no-€500.000. Lapha, indlela iyashintsha; uhlelo lokusebenza olusebenzayo alusanele. Umphathi womuntu siqu uyaqala ukusebenza . Lochwepheshe usebenza njengomeluleki othembekile, eqondisa iklayenti ekuhleleni amaphrojekthi alo futhi eqinisekisa ubudlelwano besikhathi eside, hhayi nje bokuthengiselana.
Kulabo abazisebenzayo noma abanamabhizinisi amancane, kukhona imodeli yeBhange Lebhizinisi . Ukugxila ekuqiniseni ubuchwepheshe, ukunikeza ama-akhawunti asebhange angcono kakhulu kubantu abazisebenzayo eSpain kanye nokudala amagatsha akhethekile abizwa ngokuthi iZitolo Zebhizinisi. Kulesi sigaba, ukubhanga komuntu siqu kusho ukuqonda ukugeleza kwemali kanye nemijikelezo ethile yokuxhasa ngezimali yomkhakha ngamunye wobungcweti, ukuhlanganisa umshwalense kanye nokuvikelwa ephaketheni elilodwa.
Ibhange Langasese kanye nesimo semodeli ye-ejensi
Uma izimpahla zidlula u-€500.000, singena emkhakheni we- Wealth Management . Lapha, ubudlelwano obuseduze buhumusha bube ukukhethekile kanye nobuchwepheshe obujulile. Amamodeli asukela ekuphatheni okujwayelekile kuya ekwelulekweni okuzimele, kufaka phakathi amahhovisi emindeni eminingi kubantu abanenzuzo ephezulu abadinga ukubonisana okuphelele, komhlaba wonke.
Esinye isici esithakazelisayo ukukhula kwama -ejenti asebhange azimele . Lo modeli, onamandla kakhulu e-Italy futhi okhula ngokushesha eSpain, uvumela abeluleki bezezimali ukuba babe "osomabhizinisi" abazimele. Ochwepheshe abaningi benza ushintsho oluvela kubasebenzi kuya kuma-ejenti, befuna ukuzimela okukhulu kanye nemali engenayo ephezulu . Lokhu kwenza inethiwekhi ibe ngochwepheshe futhi kunikeza amakhasimende umeluleki ongaxhomekile ngokuphelele kwizabelo zebhange.
Izinhlangano ezifana neBanco Mediolanum kanye neSantander Private Banking zikhuthaze lesi siteshi. Imodeli ye-ejensi ivumela ukuphathwa kwezimpahla eziningi kakhulu ngenani eliphakeme kakhulu elimaphakathi nge-ejenti ngayinye ezinkampanini ezikhethekile, okubonisa ukuthi ukwethembana komuntu siqu kuyimpahla ebaluleke kakhulu ekuphatheni ingcebo enkulu.
Ukubambisana kanye ne-Federated Banking: Izimpande Zendawo
Akuyona yonke into eyibhange lezinkampani; imodeli yebhange elisebenzisanayo , njengaleyo yeCaja Rural Group, imelela umongo webhange lomphakathi ezindaweni zasemakhaya. Zisekelwe ohlelweni lwebhange oluhlanganisiwe , lapho ibhange ngalinye lokonga ligcina khona ukuzimela kwalo okusemthethweni kanye namandla okwenza izinqumo, kodwa lihlanganisa amandla ukuze libe namandla okusebenza ebhange elikhulu.
Lolu hlelo lusebenzisa isimiso sokubambisana , okusho ukuthi izinqumo zenziwa eduze kakhulu nekhasimende ngangokunokwenzeka. Ngenxa yalesi sakhiwo, bangancintisana nezikhungo ezinkulu ngokunikeza izinsizakalo ezijwayelekile ngenkathi begcina isixhumanisi sendawo esingenakuqhekeka , into ebalulekile ezindaweni lapho amabhange endabuko enamagatsha avaliwe.
Umbono womlando: Kusukela ebhange lomphakathi kuya ekwenziweni kwebhizinisi libe ngelangasese
Ukuze siqonde ukuthi sikuphi, kufanele sibheke emuva. ISpain yayinemodeli yamabhange omphakathi enamandla kakhulu , enezinhlangano ezifana neBhange Lemali Ebolekiwe kanye neBhange Lezikweletu Zezimboni. Lezi zikhungo zadalelwa ukubhekana nokwehluleka kwemakethe nokukhuthaza imikhakha efana nezolimo kanye nezimboni ngaphansi kokuqondisa kwe- Official Credit Institute (ICO).
Kodwa-ke, ngokufika kweziqondiso zaseYurophu kanye nokuthambekela kokukhululeka, lo modeli wangena enkathini yenkinga. Ukudalwa kwe- Spanish Banking Corporation kwaba umzamo wokugcina wokuhlela lezi zinhlangano ngaphansi kophawu oluvamile ngaphambi kokuba zenziwe ngasese ngokuphelele. Inqubo yaphetha ngokuhlanganiswa kwe-Argentaria ku-BBV, okuphawula ukuphela kwenkathi lapho uMbuso wawungumthombo oyinhloko wesikweletu sezwe.
Ngokuthakazelisayo, eFrance imodeli yomphakathi isaphila futhi iyisilinganiso, okubonisa ukuthi ukubhanga komphakathi kungasebenza kahle uma kuphathwa njengenkampani encintisanayo futhi kugcina inethiwekhi yezentengiselwano ye-capillary , njengoba kunjalo ngeBanque Postale.
Ubuchwepheshe benkampani kanye nokutshalwa kwezimali
Esicongweni sephiramidi yebhizinisi, sithola i-Corporate & Investment Banking (CIB) . Lapha, ukusondelana akuyona into ebonakalayo, kodwa kuyisu. Sisebenzisana nezinkampani ezithola imali engenayo engaphezu kwezigidi ezingama-€500, ezihlinzeka ngezinsizakalo ze -M&A (ukuhlanganiswa nokuthengwa) , i-advanced treasury, kanye nezezimali ezihlelekile.
Lesi sigaba sihlukaniswe ngamabhange ezinkampani, amazwe ngamazwe kanye nezikhungo. Amabhange omhlaba wonke ayisihluthulelo sokusekela izinkampani zaseSpain ezikhula emhlabeni jikelele, ezisebenza ngamagatsha kanye namaDeski aseSpain emazweni amaningi, okuqinisekisa ukuthi inkampani ayizizwa yodwa lapho iwela imingcele.
Isimo samanje sohlelo lwezezimali lwaseSpain sibonisa ushintsho olucacile oluya ekukhetheni okukhethekile kakhulu kanye nokusetshenziswa kwedijithali, lapho impumelelo incike ekulinganiseni ukusebenza kahle kwama-algorithms nokubaluleka kweseluleko sabantu . Kusukela ekongeni okuncane ekubambisaneni kwasemakhaya kuya ekuphathweni kwezimpahla zezigidi zama-euro ngama-ejenti azimele, ukubhanga akusekho indawo lapho umuntu eya khona ukuyoqedela ukuthengiselana futhi sekuphenduke isevisi yokubonisana ehlala njalo evumelana nephrofayili yomsebenzisi ngamunye.
