Akhawunti yebhanki: ingqiqo kunye nemigaqo yomsebenzi inombolo

E langoku imini zebhanki nkqubo isagquba. Phantse wonke umntu ngokusemthethweni-akhawunti yebhanki. Noko ke, asinguye wonke umntu uyaqonda ukuba yintoni na.

Ngokubanzi, igama elithi "-akhawunti yebhanki" ingachazwa njenge uhlobo uxwebhu sisibonelelo mandatory kwisivumelwano. Lubonakala bubukho mihlaba ilandelayo:

- eyenzelwe ukuba uthathele ingqalelo ukufumaneka kwemali nokuhamba umxhasi;

- ibonisa izibophelelo ezikhoyo yeziko ngetyala umnini-akhawunti.

Ukuziqhelisa zebhanki mihla, inani elikhulu kweentlobo ze-akhawunti. Baya usenokwahluka ngokuxhomekeke Isimo ngokomthetho umnini, kwakunye ukususela kwesazinge imisebenzi.

Ungakhetha ezi ntlobo zilandelayo ngxelo ukuvulwa kumaqumrhu asemthethweni:

1. Uqikelelo ukuba usetyenziselwe ukutshintshwa yengeniso kunye nezinye ingeniso, kwakunye ibilutshintshiselwano iinjongo ezahlukeneyo.
2. akhawunti yexeshana wadala ukuba umbutho omtsha, ezisetyenziswa ngokuqhelekileyo ukuhlawula kwikomkhulu eligunyazisiweyo ngemali.
3. Ngoku inika imibutho engenzi-nzuzo.
4. akhawunti mali ilungiselelwe iinkampani uhlobo imali yomsebenzi ababiwa ukusuka kurhulumente ukuya ukujolisa ukusetyenziswa kwazo.
5. Ngezemvelo - avuleke yibhanki kwelinye iziko lamatyala, ubukho babo kungenxa yokuba inkqubo logcino multi-level kwilizwe lethu.

Kwabantu, ngokwahlukileyo umthetho, ungakwazi ukuthatha ubunini ababini kuphela iindidi ze akhawunti: zangoku kunye idiphozithi. I yangaphambili zenzelwe ezahlukeneyo izibalo, okwesibini - ukuqokelelela mali.

Into umdla ukuze sibonwe ngokufundisisa ingqiqo-akhawunti yebhanki kukuba le nkqubo ibandakanya inani lemivo mabini. Ngamnye kubo esikhethwe zazivelela. Namhlanje, xa phantse wonke lijongene amaxesha ngamaxesha kunye akhawunti olunonjolweyo (umzekelo, xa ukugcwalisa iirisithi), ezininzi ziya kuba luncedo ukwazi ukuba la manani angaqondakali.

Inombolo ye-akhawunti yebhanki lungahlulwa-hlulwa zibe iibhloko eziliqela. Ngokwalo, kubonakala ngathi oku: AAAAA-BBB-B-YYYY-DDDDDDD apho:

- A - kwiiflethi amanani ebonisa iqela apho akhawunti zebhanki ephethwe yi inombolo sicwangciso. Umzekelo, inombolo 40702 ibonisa ukuba inkampani engekho phantsi kukarhulumente zorhwebo, kwaye 40802 - usomashishini osakhasayo ngamnye. Iinkcukacha zale ngcaciso ngazo kwisikhundla elawula inkqubo of accounting ebhankini (302-P).

- B - ichaza lwemali apho akhawunti kuvulwa. Eyona amaninzi zifumaneka engange Russian practice (810), iirandi (840) kwaye yi-euro (978).

- In - ekuthiwa-njalo isitshixo okanye ukuhlola idijithi. Iyavakala kuphela ukuba ikhomputha processing of lolwazi, inceda khangela inani elichanekileyo ifakiwe.

- G - inani isebe lebhanki.

- D - iziko ngalinye zobalo unelungelo lokukhetha yintoni inkcazelo ungayikhetha. Amaninzi, ezi amanani abonisa ukulandelelana inani le akhawunti.

Ukuqonda ukuba yintoni na i-akhawunti yebhanki, kwakunye imigaqo azinakubalwa yayo evame kunceda ukwenza ubomi lula. Ngapha koko, inkoliso yethu azazi esebenza kwicandelo lezemali, yonke imihla lijongene nale mbono.