Akhawunti imibiko

akhawunti intatheli - yinto uhlobo lwe-akhawunti ukuba ibhanki kuvula kwelinye iziko ngetyala okanye isebe le-Central Bank ukwenzela ukuba kubonise izibalo kwenziwa kwiziko enjalo ngetyala egameni nangeendleko le bhanki.

Base okunye kwi akhawunti correspondent isivumelwano ukubhala efanelekileyo ekugqitywe phakathi onomdla amaziko ngetyala.

Kule mvumelwano iya kuba izibalo, unxibelelwano odolo kunye Imo nokubala, imisebenzi kunye namalungelo iqela ngalinye, amatyala izohlwayo ngenxa yokophula izivumelwano, iimeko okufumana umrhumo ukusetyenziswa kwe-akhawunti ngezemvelo, intlawulo kusungulwe, yeposi kunye nezinye iindleko, ubude kunye nendlela yokuphelisa phambi kwexesha, njl

akhawunti umbhaleli Bank inga yenye iintlobo:

• Nostro. Le akhawunti kumnxulumanisi igama lebhanki kommangalelwa (umphathi), luvula ibe ibhanki eMbombela yaye wamkelwe eseleyo yexabiso yokuqala.

• Loro. Le akhawunti yangoku, nto leyo kuvulwa yibhanki correspondent nebhanki yayo ophendulayo ziboniswe iimfanelo wephepha yayo eseleyo. Loro akhawunti kumnxulumanisi kwiziko elinye kwi-akhawunti ngexesha nostro enye kwibhanki incwadi.

• Vostro. Le iakhawunti yebhanki angaphandle ebhankini umhlali luvula nokuba lwemali asekuhlaleni okanye lwemali kwilizwe wesithathu. Ngamanye amazwi, ukuba i-akhawunti efanayo loro, kuphela usebenza ebhankini incwadi kwamanye amazwe.

akhawunti yebhanki kumnxulumanisi umongo walo kwezoqoqosho luhlobo dipozithi deposit imfuno. On imisebenzi ifane -akhawunti yangoku yentlangano, kodwa kuthathelwa ingqalelo izinto awohluke yomsebenzi zebhanki.

Ezo akhawunti neebhanki zorhwebo ubambe zombini umtsalane kwaye eyakhe imali ukuba okwethutyana simahla ngalo mzuzu. akhawunti intatheli ephethe ngokufanelekileyo ibonakalisa uluhlu olubanzi zentengiselwano.

Okokuqala, oko ukuphunyezwa imisebenzi zekheshi, ityala kunye zokuhlala kunye nezinye inkonzo yabathengi ngaseludinini. Oku kuquka ukuqokelela nokucima iimali ngenxa ekuthengisweni kweempahla kunye neenkonzo ezahlukeneyo, kwakunye nentlawulo irhafu, imisebenzi kunye nemirhumo, abenziwe egameni lwabiwo-mali, iinkampani ze-inshorensi, imali non-mali, kunye nabanye.

Inxalenye ethile imisebenzi enxulumene ulwamkelo kunye nokuziswa kubathengi kwemali ukulungiselela iinjongo zolawulo kunye nezoqoqosho kwaye kunikezelo iibhonasi kunye imivuzo yabasebenzi. Kwakhona phezu iirekhodi akhawunti correspondent imicimbi enxulumene ukuthenga okanye ukuthengisa izibambiso, imali okanye ukutshintshwa iimfuno reserve, kwakunye imisebenzi iidiphozithi emali-mboleko. Ukongeza, i-akhawunti ahambelanayo isetyenziselwa ukubonisa imisebenzi ishishini ebhankini, umzekelo, kuba iindleko zolawulo, iintlawulo-mali. Kwakhona, naziphi na iimali engaphezulu, njl

Emva kokuba kokusayina isivumelwano phakathi kweenxweme kumnxulumanisi ezimbini ngamnye kubo ukuvula akhawunti ngezemvelo, uquba isixa esithile semali. Zakuba zifikile ibhanki yokuqala ukwenzela intlawulo umxumi ukudlulisela imali ebhankini akhawunti naso ngezemvelo, oko debhithi isixa ehambelana kwi-akhawunti yoMthengi kwaye transfers kwi correspondent-akhawunti yebhanki yesibini. Ibhanki yesibini kwenza udluliselo mali evela akhawunti yebhanki ummangalelwa-akhawunti komamkeli lokugqibela mali.

Ngokuqhelekileyo, le mali kwi-akhawunti nostro kunye vostro zivulekile ngokungqinelana nesivumelwano correspondent phakathi kweenxweme ezimbini, ahlale ezifanayo ngokuhamba kwexesha njengoko ngokufuthi iintlawulo "ihlangabezane". Noko ke, oku akuthethi ukuba ibhanki free iqala ukubolekisa kwenye ngexesha ukuyilwa umahluko omkhulu phakathi mali kwi-akhawunti. Le akhawunti kumnxulumanisi RCC ukungalingani ezihambelana.