Namuhla, cishe wonke umuntu une-akhawunti yasebhange. Lokhu kuxhunyaniswe nebhange, noma ibhange, elibhekele ukuqinisekisa ukuthi i-akhawunti yakho iyavikelwa nokuthi imali ekuyo iyaqhubeka nokuba khona nganoma yini oyidingayo.
Nokho, Yini enye oyaziyo ngebhange? Uyazazi izinhlobo ezahlukahlukene zamabhizinisi? Noma zonke izinsizakalo abangazinikeza? Lokho, nokunye okuningi, yilokho esizokhuluma ngakho ngokulandelayo.
Yini ibhizinisi lasebhange
Ibhizinisi lasebhange laziwa kangcono ngegama lalo elijwayelekile, ibhange, noma lingaba namanye amagama afana nesikhungo sezikweletu noma isikhungo sokubeka imali. Kuyindlela ye- inkampani yezezimali esebenza ngokunikeza izinsizakalo zezezimali kumakhasimende, njengokubolekwa imali, amakhredithi ... Kanye nokunakekela ukugcina imali efakwe kubo ngamakhasimende kuphephile.
Inhloso yebhange ukuphatha imali yamakhasimende ngendlela yokuthi liphinde liyisebenzise ukuyiboleka abanye.
Lenzani ibhizinisi lasebhange
Kukhulunywa nje, ibhange linezinhlobo ezimbili zemisebenzi:
- Ukusebenza kwesikweletu. Ihambisana nokuheha imali kubantu noma ezikhungweni, ezinkampanini, ezinhlanganweni, njll.
- Ukusebenza kwefa. Futhi kungukuthi baphethe ukuboleka leyo mali abayithathele abantu besithathu, njalo ngezindleko eziphakeme, ukuthola inzuzo yokwenza lokho kuthengiselana futhi, nangengozi abayenzayo.
Ukusebenza kwesikweletu
Uma sihlehla imisebenzi ethe xaxa yebhange, uzobona ukuthi ibhekisa ekuheheni amakhasimende futhi, kanye nawo, nezinsizakusebenza. Lesi sigaba kulapho kungena ama-akhawunti asebhange, ama-akhawunti okonga, amakhadi asebhange, imali yesikhathi eside ...
Ngamanye amagama, sikhuluma ngalezo izinsizakalo ezinikezwa amakhasimende ezibandakanya ukushiya inani elithile lemali efakwe ebhange. Lokhu kuzohlala kutholakala kumakhasimende, angakuhoxisa noma kunini lapho ethanda khona. Kepha, okwamanje, kuyingxenye yesikweletu ukuthi ibhange kumele liboleke imali kumuntu wesithathu (okungaba ukusebenza okusebenzayo).
Ukusebenza kwefa
Njengoba sesivele siphawule, kubhekiswa ku- imisebenzi ehlobene nokubolekwa kwemali. Lokho wukuthi, bazama ukuhambisa imali ngokuyiboleka abanye abantu nokuthola uchungechunge lwezinzuzo ngokwenza njalo.
Kulolu hlobo lokusebenza, ngokwesibonelo, amakhredithi nolayini bezikweletu, izimalimboleko, imali ebanjwayo ... Ngabo, abakwenzayo ukuthi banikeze imali kunoma ngubani oyidingayo ngenzuzo yenzalo ekhokhwe umuntu odinga leyo mali, yini Ibhange ngokwalo lihola ngokuphatha le nqubo nangokucabanga ubungozi ukuze lowo muntu abuyise imali ayitholile.
Izinhlobo zezinhlangano zebhange
Manje ake sazi izinhlobo ezahlukahlukene zamabhange. Futhi kungukuthi, yize ungakukholwa, amabhange njengoba ubazi akuwona kuphela awela kulo mqondo, kepha kunokunye okuningi.
Ngakho-ke, ungathola okulandelayo:
Ukubhanga ngokuthengisa
Lolu hlobo lwebhange yilo oluvame kakhulu, futhi olwazi kahle kakhulu. Eqinisweni, inkokhelo yakho, impesheni, noma imali engenayo iphelela ku-akhawunti yasebhange yalolu hlobo. Lezi yizinto lapho amakhasimende engabantu abazimele.
Ngokuqondile, kunjalo lawo mabhange lapho ungavula khona i-akhawunti yasebhange, ucele imali mboleko noma amakhredithi, njll. Zisebenza kuphela kubantu ngabanye, yize kukhona nezinsizakalo zabasebenza ngokuzimela nezinkampani (yize lezi zokugcina zivame ukukhetha olunye uhlobo lwebhange).
Inkampani yasebhange
Kulokhu, futhi njengoba sikutshele ngaphambili, luhlobo lwe ibhizinisi lasebhange ligxile ezinkampanini. Yize bengaba nezinsizakalo ezifanayo nezasebhange elidayisayo, banenye futhi ikhathalogi yezinsizakalo ezihlobene nezinkampani ezinjengokukhokha, ukudluliswa kwenqwaba, i-POS ebonakalayo yokuthengisa online, njll.
Ngamanye amagama, konke okudingwa yizinkampani ebhange ukuze zikwazi ukusebenza nokwenza imisebenzi, kungaba namakhasimende abo noma nabasebenzi babo.
Ibhange langasese
Ukubhanga kwangasese kuyingxenye yasebhange okudayisa. Noma kunjalo, igxila engxenyeni ethize: labo bantu abanengcebo enkulu noma inotho. Kulokhu, singasho ukuthi ngamabhange ahlinzeka ukwelashwa okukhethekile kumakhasimende abo acebe kakhulu, futhi, ngenxa yalokho, abanakekele.
Izinsizakalo abazinikeza amaklayenti zingafana nezabantu ngabanye kepha, ngenxa yokuthi "zikhethekile", banikela ngezinye izinhlobo zezimo ezinomsoco futhi ezizuzisayo kubo, kungaba ngamakhomishini amancane, ngenzuzo enkulu, njll.
Ukutshalwa kwezimali ebhange
Eyaziwa nangokuthi yibhange lebhizinisi, yilokho uphethe ukusebenzela izinhlangano ezisemthethweni nokuphatha ngezidingo abanazo, ikakhulukazi ezihlobene nokutshalwa kwemali. Isibonelo, ukuhlanganiswa, ukutholwa, ukutshalwa kwemali kwamanye amabhizinisi, njll.
Amabhange eSpain
Manje njengoba wazi kangcono ukuthi liyini ibhange futhi ikakhulukazi izinhlobo nokuthi kwenziwa ini kuzo, sekuyisikhathi sokuthi wazi okungamabhange akhona eSpain. Ngale ndlela, ngeke wazi kuphela okunikezwayo okukhona, kepha uzobona ukuthi kunamabhange amaningi kakhulu kunalokho ongakwazi ngoba azwakala kakhulu, makhulu noma akhangisa kakhulu.
Ngokuqondile, sikhuluma ngalokhu okulandelayo:
I-A & G Private Banking
- Abanca Banking Corporation
- I-ActiveBank
- I-Arquia
- Mashi ebhentshini
- UBanca Pueyo
- BBVA
- ICaixa Geral Bank
- Ibhange laseCaminos
- ICetelem Bank
- ISpanish Cooperative Bank
- Ibhange lase-Albacete
- Banco de Caja de España utshalomali Salamanca futhi Soria
- Ibhange laseCastilla- La Mancha
- I-Cooperative Social Credit Bank
- Idiphozithi yasebhange
- ICustodian bank BBVA
- Ibhange LaseMadrid
- Banco Sabadell
- I-European Finance Bank
- Ibhange laseFinantia Sofinloc
- Ibhange lezimboni laseBilbao
- Inversis Bank
- Ibhange iMare Nostrum
- I-Mediolanum Bank
- I-Western Bank
- Umfundisi Bank
- IBanco Pichincha Spain
- Ibhange Labantu BaseSpain
- ISantander Bank
- Ibhange lase-Urquijo
- IBancofar
- I-Bancopopular-e
- I-Bancorreos
- Bankia
- I-Bankinter
- I-Bankoa
- I-Bantierra
- Ibhange lezimali le-BBVA
- ICaixabank
- Ibhange lokulondoloza imali kanye ne-MP
- ICatalunya Banc (Catalunya Caixa)
- ICecabank
- UColonya-Caixa d'estalvis de Pollensa
- UDeexa Sabadell
- I-EBN Business Bank
- Ibhange i-Evo
- Ibhange le-Ibercaja
- I-Kutxabank
- Liberbank
- I-Microbank entsha
- I-Novanca
- I-Openbank
- Ibhange langasese elidumile
- I-Promobanc
- Qasha i-4 Bank
- sa nostra
- I-Santander Consumer Finance
- ISantander Invesment
- Izinsizakalo Zokuphepha zeSantander
- I-Self Trade Bank
- I-Targobank
- Unicaja Bank
- Ibhange le-Unoe
Izinhlangano zebhange zangaphandle ezisebenza eSpain
Kulokhu, futhi uma ungathandi noma yiliphi ibhange elikhona eSpain, noma ungusomabhizinisi ohamba emhlabeni, kungaba ngcono kakhulu ukuthi ube nalo. i-akhawunti ebhange langaphandle noma lakwamanye amazwe. ESpain unezinhlobo ezimbili: ngakolunye uhlangothi, lezo ezinamahhovisi eSpain nezisebenza ezweni, okuluhlu esizokunikeza lona ngezansi; ngakolunye uhlangothi, unamabhange amaningi asebenza ngaphandle kokuba nehhovisi elisunguliwe, kepha yenza kanjalo cishe.
Uhlu lwamabhizinisi angaphandle asebenza eSpain lumi kanje:
- I-AKF Bank GMBH & Co KG
- I-Allfunds Bank
- E-Andbank Spain
- I-Arab Bank
- Ibhange lase-Ares
- I-Alcala Bank
- IBanca Nationale de Lavoro
- IPichincha Bank
- I-Banque Marocaine Commerce Exterieur
- BNP Paribas
- I-Citibank
- ICortal Cousors
- German Bank
- I-ICBC Luxembourg
- I-Direct
- I-Novobank
- I-Privat Bank Degroof
- Izinsizakalo Zabatshalizimali beRBC
- IScania Bank
- I-Triodos Bank
- Ibhange le-UBS
- Volkswagen