Intembeko Banking and Finance in the 21st Century

Siphila kwihlabathi eneenkani kakhulu kwaye besspokoynom ukwimeko rhoqo lobunzima, kwihlabathi apho yonke into ixhomekeke ukuthenga nokuthengisa. Asazi ukuqinisekisa ukuba asiyi kuphulukana imisebenzi yabo, kwaye ke ngoko kufuneka ukuba silumke kakhulu xa kufikwa imali yethu.

Enye yeendawo ephephile yazo imali bethu ebhankini. Bank uqinisekisa kuphela ukuqokelela imali yethu, kodwa ithuba lokudla kubo nangaliphi na ixesha kwaye nakweyiphi na indawo. Le yangoku Inkqubo zebhanki ukuze kuphuhliswa ukuba sikwazi ukusebenzisa imali zethu kuzo zonke iimbombo kwehlabathi.

Ukhuphiswano phakathi kweebhanki eliphezulu kakhulu kwaye ivumela abaxumi ukuba uthathe ithuba linikeza kakhulu horishimi. Ngale ndlela, imali yakho ayiyi kuphela kuba ekhuselekileyo, kodwa unako ukufumana umdla elungileyo eba kuzo.

Enye inzuzo ukugcina imali ebhankini uyakwazi ukufumana ulwazi ngazo rhoqo. Oku kungenzeka ngoncedo intanethi kunye mobile bankirovaniya bankirovaniya. Ngoko ke ufumana ukwazi ukuba kwenzeka ntoni ngemali yakho nangaliphi na ixesha uthabathe amanyathelo, ukuba kukho nantoni na andiyithandi loo nto.

Ukuba une- akhawunti yebhanki, unalo ithuba ukuhlawula amatyala abo ngokusebenzisa bankirovaniya intanethi yaye ukuchitha ixesha elinde kumaziko ahlukeneyo.

Imeko yezimali zomntu ngamnye iyahlozinga kakhulu, ingakumbi ngamaxesha obunzima kunye high ngqesho. Gcina imali yakho kwinkqubo ebhankini ikunika ezithile isiqinisekiso ukuba enoba umsebenzi poteryaeta, emva nonke niya kukwazi ukuhlawula amatyala abo, uthabathe ihoye intsapho yakho, yonke imihla enidla ukufumana umsebenzi omtsha.

Abanye abantu beza kuba namaxhala ngokuphathelele ukubeka imali yabo ebhankini, ekubeni kukho iimeko apho iibhanki ezi bankrutiruyut kwaye ngoko ke akukho siqinisekiso zemali. Nangona kunjalo, ngeli xesha lakalokunje, kukho umbuzo thile zakhiwe, ngenxa yokuba iibhanki banyanzelekile ukuba ukuqinisekisa nokuqinisekisa abathengi zabo.

Kakade ke, simele sikhumbule ukuba kusoloko kukho ephephile ukubeka imali yabo ebhankini kunokuba ukugcina nabo ekhaya. Enye into ikhomba ukuba kuzuze ukugcina imali ebhankini - ngokwenene loo nto ukuba abantu abasebenza kunye neebhanki, ngubani na iingcali kwaye baya kukunika icebiso elungileyo okanye isicelo ikhredithi khadi ngaphandle yokuqinisekisa imali.

ibaluleke kakhulu kukuba kufuneka siqinisekise abantwana bethu ngoxa kusekho bakwazi ukufumana imali yabo. Iidipozithi kusinika ithuba yande isixa esithile ukuze ukuqinisekisa ukhuseleko lwabantwana.

Ngakumbi nangakumbi abantu ukutya kwamanye amazwe. Abanalo ithuba, kodwa akukho ekhuselekileyo kakhulu ukuthatha yonke imali yakho epokothweni yakho okanye ityesi. Le ngxaki ayikho xa imali ebhankini, ezifana Citibank, njengoko abathengi banikwa ithuba lokonwabela ehlathini kunye ndlela elula na imali yabo, ukuba enoba baphi na.

Xa ndiqukumbela, ukuba uthi nangona siphila kwihlabathi eliyingozi kwaye ngezwi elingaqondakaliyo, kodwa asinayo isiqinisekiso ukuba bafumane umvuzo rhoqo, kodwa ebhankini yindawo apho sinako ukugcina imali yakho umoya, ukuze yonke into siye wayiqokelela ngethuba ubomi babo abayi kulahleka ngenxa yeemeko ezingaphaya iminqweno yethu. Asimele nje ukwenza imali, kodwa ukuba abagcine abafanelekileyo, njengoko nathi namhlanje kuba imali, kodwa akukho namnye kuni, ukuba uya kuba ngengomso.