SWIFT - chii ichocho? SWIFT kushandura system

Vanhu vakawanda mazuva ano vanofarira kuenda kune imwe nyika kune basa. Mhedziso yakadaro sekutengesa mari, kwenguva refu uye zvakapinda zvakanyanya muupenyu hwezuva nezuva hwevagari venyika dzakasiyana. Muzviitiko zvizhinji, nyaya yekubhadhara mari inova yakaoma. Kusarudzwa kwenzira yekuendesa, kubhadhara kwemakomisheni - izvi zvose zvinowira pamafudzi evashandi kune dzimwe nyika. Ndokusaka philistine ine mibvunzo yakawanda. Imwe yenzvimbo dzakakurumbira mitambo yekuendesa mari yezuva ranhasi ndiyo SWIFT shanduro yekushandura. Asi chii ichi uye kuti ungaishandisa sei? SWIFT - chii ichocho?

General Information

SWIFT kushandura system - chii ichocho? Ndeipi nhoroondo yemutambo uyu? Izvo zvinoreva SWIFT inongororwa, pasi payo iyo inofanirwa kunzwisisa Mutemo weChealth Interbank World Telecommunications. I SWIFT shanduro yehurongwa inyika yepasi rose yekuendesa mashoko, kuita zvikwereti. Yakatangwa mumakore makumi manomwe ekutanga ezana remakore rechimakumi maviri muBelgium. Dzimbahwe iri muguta reBrussels. Maererano nehupfumi, data iyi inosanganisira mazana maviri negumi nemaviri enyika uye zvinopfuura zviuru gumi zvehurumende. Nenyika iyi, kune mamiriyoni makumi maviri emitambo yakasiyana pazuva. Pakati pavo pane kubhadharwa kwemari, kubhadhara mari, kutengesa mari uye vamwe.

SWIFT system haisi kungoendesa mari chete

Kutumira kuendesa uye kuendesa chero data chero ipi zvayo nekuda kwehurongwa hwakadai sa SWIFT yakava nekukurumidza zvikuru. Saizvozvowo, mari yekutengeserana yakaderera. Kusunungura mharidzo yaunoda kupedza maminetsi makumi maviri chete, uye nokuda kwekuwedzera mari iwe unogona kuzviita mumaminitsi mashanu. Kuenzanisa: kuendesa kwemashoko kubudikidza ne telegraph kunotora nguva inopfuura maawa maviri.

SWIFT - chii ichocho? Iyi ndiyo mhando huru yenyika yekufambisa mashoko. Zvinonyatsovimbika, zvinobudirira, zvakachengeteka uye zvakakwana mharidzo, mari inoshandiswa kuburikidza nehurongwa. Vaya vanobatanidzwa mumusangano uyu vanosanganisira makambani ekubhadhara, mabhangi, kugoverana kwemabhizimisi, nzvimbo dzepakati, depositories, makambani ekuchengetedza, makambani ekuchengetedza, kushandiswa kwemari pamwe chete. Panharaunda yeRussian Federation pane sangano re "RossSvift", iro rinosanganisira vanenge vanosvika mazana matanhatu vanoshandisa. Zvikwereti zvikwereti zvikwereti zvinokwana makumi matatu kubva muzana yemari iyi, uye vanoita nerubatsiro rwemamiriro ezvinhu ino anenge makumi masere muzana yezvose zvavanoverenga.

Makomborero ekushandurwa kweSWIFT

Kutengesa kushandisa soro yakarondedzerwa ino inobatsira kana mari yacho inodarika mazana zana emadhora muUnited States of America, sezvo sarudzo yakatotanga yatotanga. Kana kuendeswa kwakarongwa kwemazana emadhora madhora, zvinokurudzirwa kushandiswa zvimwe zvingasarudzwa zvekutsvaga mari: MoneyGram kana Western Union, semuenzaniso. SWIFT system - chii ichocho? Ndezvipi zvinobatsira zvazviri? Kusiyana kwakasiyana kukuru kweiyo network kubva kune dzimwe nzira ndeyekusarudzwa kwehuwandu hwakawanda hwemari, kutaridzirwa kwekutengeswa. Zvose izvi zvakakwana zvinoshandisa kushanda nemari zvakachengeteka zvikuru.

Ndeipi kukanganisa kwe SWIFT system?

Zvinonzwisisika, chero, kunyange yakanakisisa, hurongwa huchava nemativi ayo akaipa. Asi kana tikataura pamusoro peSIFIFT, izvi zvinokanganisa chii?

Chokutanga, zvakakosha kutaura pamusoro pekuwedzera kwemakomisheni mumabanki nemamwe nyika. Nokuda kwekuendeswa kwemari kune dzimwe nyika, mamwe mabhangi anoshandisa imwe komisheni. Iketani yemabhengi ekupindira anogona kutotora mutengo wekutsvaga kana chiitiko chekuti mari yekutongwa ichi yakasiyana nemari yenyika iyo mutengesi inogamuchirwa. Chechipiri, kune makomisheni anobhadharwa kune vanogamuchira. Sezvo mari yacho ichienda kune iyo yevabatsiri nhoroondo mubhengi rake, kune imwe nzvimbo yekubhadhara iyo nzira yekubhadhara mari. Iniwo ndinoda kuwedzera kuti SWIFT (shanduro) inotora nguva yakareba (kusvika kumazuva mashoma) kupfuura mamwe akawanda emhando dzebhadharo (iyo inotora inenge yehafu yeawa kusvika pazuva).

Chii chinofanira kushandurwa SWIFT?

Kuti uite kutengesa kwemari uchishandisa iyi network pane imwe nyika inofanirwa kuva nekodhi yekuzivikanwa, pasipoti uye zvinyorwa zvinotevera:

1. Iko code ndeyo SWIFT yebhangi iyo kutengeswa kuchaitwa.
2. Nhamba yepamutemo yenyika yose yebhangi yebhangi (IBAN), kana nhamba yekambani inobvumirana nayo iyo mutengesi inoitika.
3. Zita rekambani, kambani kana zita rakazara remupi uyo ane mari iyo ichaendeswa.
4. Zita renzvimbo yebhangi, iyo mari ichayerera.
5. SWIFT code uye zita rebhangi rekunyoresa, kana mari iyo inoshandiswa ichiendeswa yakasiyana kubva kune iyo inofungidzirwa munyika inogamuchira yenyika imwe chete.

Rudzi urwu rwekutsvaga kusvika kune rimwe rinopa mabhanga akawanda kana asingasviki makuru.

Ndiani anoda SWIFT kushandura system?

Pasinei nekududzirwa kwezvinhu zvakadai zvekubhadhara mari semunyika yose seUnistream, Manigram, Western Union, mune dzimwe nguva zvinonyanya kushandiswa kushandisa SWIFT sechishandisirwo network. Kuwedzerwa kwemari yose nekubatsirwa kwegadziriro ino kunodhura uye kunobhadhara kubhadharwa kwehutano hwakasiyana-siyana, pasinei nokurapa, kudzidza, makamuri ekubhura kana mairairo, kubhadhara kutenga. SWIFT-shanduro inoshandiswa zvakashandiswa kuendesa mari kuhama, kubhadhara mabasa akasiyana-siyana (kubatanidzwa mumitambo, marwendo).

Ndiani anobhadhara kutengesa?

Ihwo hunoshamisa hwechiitiko ichocho seSWIFT shanduro yekutenderera ndeyokuti kutengeswa kunoitwa kunze kwekubhadhara kweaigamuchira. Vashandi vekutengeserana kwakadaro ndeyevatengi vanogara vachigadzirisa nguva dzose. Ndosaka huwandu hwezvakanaka hwakagadzirwa nenzira yekusarudzwa kwemari yekuwedzerwa, kusabatwa kwemiganhu chero ipi zvayo pamutengo (kunze kwekuti mutemo wenyika iyo kutumirwa kunogamuchirwa hauna kupesana uye apo mari inosvika). Sezvatotaurwa pamusoro apa, pfungwa dzakanaka dzakakonzerwa nedzidziso yokuti SWIFT system yakagadzirirwa kuita zvinyorwa zvakawanda. Nokudaro, mitero yakaderera, uye kubhadhara pamutengo weaigamuchira, iyo inonyanya kusiyanisa iyi mitambo kubva kumakwikwi, uye kunyanya kubva pakukurumidza kushandiswa kwezvinhu zvinotungamirirwa kushanda nemari shoma.

Mutengo wekutsvaga mu SWIFT system

Kuenzaniswa nemakwikwi emakwikwi emakambani emunyika akaendeswa kune dzimwe nyika, SWIFT inopa zvakawanda zvekutengesa. Zvisinei, izvi zvinonyatsoonekwa chete kana kutumira mari yakawanda, nokuti kune huwandu hwekubhadhara mari. Semuenzaniso, kutumira mazana zana emadhora eUnited States of America kuburikidza nedzimwe nzira dzekutsvaga kwenyika dzose dzinodhura pakati pe gumi nemakumi maviri emadhora. Kushandurwa kwemari yakafanana kuburikidza nehutano hwe SWIFT kunodhura kakawanda zvakanyanya - kusvika kune makumi mashanu maitiro akafanana. Nenzira, zvakawanda zvinobva kubhangi, iyo inoita mutengesi.

Asi nekuendeswa kwezviuru zvemadhora emadhora eU.S. kuburikidza neCFFTU huru commission inosvika madhora makumi mashanu. Inotaridzika sarudzo inobatsira yekuendesa SWIFT, iyo inofanirwa nehuwandu hwakawanda hwekutakura huwandu hwemashumi gumi kusvika kune gumi nemashanu. Kusiyana kwakanyanya kuoneka apo apo mari yacho inopfuura zviuru gumi. Pano, mutungamiri mune MSDP huru huchave huri pane huwandu hwemazana zana kusvika matatu nemazana makumi mashanu emadhora muUnited States of America. Asi kana munhu anenge achida kuendesa mari kune hama iri kunze kwenyika, kubhadhara kutenga kana kudzidza, kubhadhara rwendo rwendo rwekushanyisa achishandisa kambani yakadai semarudzi ose ekushandura SWIFT, ipapo iye achabhadhara mutengo wezvuru gumi kusvika kune mazana zana emadhora.