Kushicilelwe · Eswatini

Kuvula i-akhawunti yebhange yebhizinisi e-China: umhlahlandlela wekutalwa kwebhizinisi laseSwazini

Umhlahlandlela wekutalwa kwebhizinisi laseSwazini lokufuna kuvula i-akhawunti yebhange yebhizinisi e-China. Fundza ngekutsi i-China ibhange lakhona, ticelo temitfombo, emadokhumenti, kuhamba, nekusebenta netibopho. Lolwati lujwayelekile, akusiko kusita kwemtsetfo nobe kwentela.

Uma ucala ibhizinisi laseSwazini futsi ufuna kusebenta e-China, kuvula i-akhawunti yebhange yebhizinisi kungaba ngulenye yetinyatfo letikhulu. Leli lihambo lelihlelekile, lelidzinga kubekezela, futsi lelidzinga kuhambisana nemitsetfo yase-China kanye nemitsetfo yelive lakho. Lesi sihloko sichaza ngekujwayelekile kutsi kwentiwa njani, ngoba lwati loluniketwe lapha lujwayelekile kuphela, akusiko kusita kwemtsetfo nobe kwentela. Ngaso sonkhe sikhatsi bhunga umeluleki wemtsetfo nobe i-akhawuntanti lonesipiliyoni e-China ngaphambi kwekutsi utsatsa tincumo.

Kungani i-akhawunti yebhange yebhizinisi idzingeka

I-akhawunti yebhange yebhizinisi ingumgogodla wekusebenta kwebhizinisi e-China. Ngaphandle kwayo, akukhonakali kwenta tintfo letinyenti: kukhokha bantfu labasebenta nawe, kutfola imali kumakhasimende, kukhokhela intela, kukhokhela imphahla netinsita, nekuhambisa imali phakathi kwe-China neSwazini. Emabhange ase-China avamise kudzinga i-akhawunti yebhizinisi ngaphambi kwekutsi i-akhawunti yemphatsi (personal account) isetjentiswe ngekwemtsetfo wetebhizinisi.

Kubalulekile kwati kutsi i-akhawunti yebhange ayihambi yodwa. Ihlangene nekulobha kwelibhizinisi, nemashedu entela, kanye nemitsetfo yekuhambisa imali emave emhlaba. Ngako-ke, kuvula i-akhawunti kumele kubukwe njengencenye yekuhlela kwakho lokukhulu, hhayi nje kugcwalisa emafomu.

Tinhlobo temabhange lase-China

Emabhange lamakhulu ase-China

Emabhange lamakhulu ase-China (state-owned banks) anetisekelo tetinkhulungwane temagatsha. Avamise kuba nemitsetfo lecinile yekwamukela emabhizinisi langaphandle, kodwa ancomeka ngekusebenta ngemali emave emhlaba kanye nekutfolakala kwetinsita. Uma ibhizinisi lakho lincane, kungaba nzima kutfola i-akhawunti ngco, ngoba lamabhange avamise kubuka bungako bemalini lebhizinisi lakho.

Emabhange lasemkhatsini kanye nemabhange langaphandle

Emabhange lasemkhatsini (joint-stock banks) kanye nemagatsha emabhange langaphandle ase-China avamise kuba nemitsetfo lephakathi. Lamanye awo ancomeka kubantfu labasemave emhlaba labafuna kuhwebelana. Kodwa-ke, emabhange langaphandle e-China avamise kudzinga imininingwane leminyenti mayelana nemtfombo wemali kanye nekuhweba.

Emabhange etifundza

Emabhange etifundza (rural commercial banks) kanye nemabhange emasipala lamancane angaba netinsita letisheshako kubhizinisi lelincane, kodwa kungaba khona imikhawulo ekhoneni yekuhwebelana nemave emhlaba. Uma ibhizinisi lakho lisebenta kakhulu ngemali yasekhaya, lokhu kungaba yinketho; uma udinga kukhokhela tintfo letivela emaveni langaphandle, cela kubhange lelikwati kwenta lokho.

Kulungiselela ngaphambi kwekuhamba

Tintfo letinyenti tihamba kahle uma utihlela kusenesikhathi. Ngaphambi kwekutsi uye e-China, coca nemabhange langakhona nobe nemeluleki wakho ngetintfo letilandelayo:

• Inhlangano yebhizinisi: I-akhawunti idzinga kutsi ibhizinisi libe khona ngekwemtsetfo. Lokhu kusho kutsi umuntu kumele abe nebhizinisi lelibhalisiwe e-China (lokuvamise kwenta i-WFOE nobe i-joint venture) nobe abe negatsha lase-China lelobhalisiwe.
• Imininingwane yemphatsi: Emabhange avamise kudzinga iphasipoti yemuntu lohola ibhizinisi, incwadzi yekuvuma (visa) lefanele, kanye nemininingwane yekutsi uhlala kuphi e-China nobe eSwazini.
• Emadokhumenti ebhizinisi: Lokhu kufaka phakathi i-license yebhizinisi, i-article of association, kanye nemadokhumenti ekubhalisa. Emabhange avamise kudzinga emadokhumenti lasayinwe futsi lacindzetelwe (stamped).
• Umkhondo wemali: Cela i-akhawunti yakho yaseSwazini kutsi ikukhiphele incwadzi yekutsi ungumphatsi, kanye nemininingwane yemali lefakwa ku-akhawunti. Lokhu kusita ibhange kubona kutsi imali ivela kuphi.
• Inchazelo yekuhweba: Cela ibhange labo nobe umeluleki kutsi akusite ubhale incwadzi lemfishane lechaza kutsi ibhizinisi lakho lenta ini, kuhweba nani, nekutsi kutakwehlakala kuphi imali.

Emadokhumenti ladzingekako

Emabhange ahlukene, kodwa ngekujwayelekile lena imininingwane ledzingeka:

• I-license yebhizinisi yase-China (business license) kanye nekhophi yayo.
• I-article of association kanye nemadokhumenti ekubhalisa ebhizinisi.
• Imininingwane yebantfu labanemandla ekusayina (legal representatives kanye nabaphathi).
• Emaphasipoti, ema-ID, kanye nemadokhumenti e-visa yabo bonkhe labasayina.
• Incwadzi yekuvuma yebhange (board resolution) lekhombisa kutsi kukhulunywe ngemuva kwekusayina.
• Ubuchwephesha be-akhawunti yebhizinisi kanye nemininingwane yekuxhumana.
• Emadokhumenti lakhombisa indzawo yekusebenta (lease nobe incwadzi yekutsi unendzawo).
• Incwadzi yemtfombo wemali kanye nemininingwane yemali lefakwa ku-akhawunti.

Emabhange avamise kudzinga kutsi emadokhumenti labhalwe ngesiNgisi nobe siShayina, kube nemahumusho lasemtsetfweni, futsi kube nemasiginetsha. Cela ibhange lakho kutsi likunike uhlu loluphelele ngaphambi kwekutsi uhamba, ngobe luhlu lungahluka.

Kuhamba nekutfolakala

Ngekujwayelekile, kuvula i-akhawunti yebhizinisi kudzinga kuhamba umtimba e-China, ngobe emabhange avamise kudzinga kutsi labasayina bavele bodvwa. Eminye imikhakha yemabhange ingavumela kusayina nge-akhawunti ye-inthanethi nobe ngemeluleki lonemandla, kodwa lokhu akukavami futsi kudzinga kucocisana nesikhulu sebhange ngco.

Uma ufika ebhange, lindzela kutsi:

• Uhlolwe emaphasipoti nemadokhumenti.
• Ubuze imibuto ngekusebenta kwebhizinisi lakho, umkhicito, nemakhasimende.
• Ufake isicelo sekudvonsa imali, uma udinga i-akhawunti yemali yasekhaya kanye neyemali yangaphandle.
• Uhlole emashedu ekukhokha netintfo tekusebenta nge-inthanethi.

Emabhange avamise kutsatsa simanga nobe ngemaviki ekucala, futsi kungaba nedludlu yekutsi kudzingeka imininingwane lengetiwe. Akukho siciniseko sekutsi i-akhawunti itavulwa ngekushesha; lokhu kuncike ebhange kanye nekuhambisana kwemadokhumenti akho.

Emashedu ekukhokha kanye nemitsetfo yemali

Emabhange ase-China avamise kuniketa emashedu ekukhokha ekhaya kanye nemashedu emave emhlaba. Kukhokhela emaveni langaphandle, avamise kudzinga imininingwane lephelele yemkhokhi nemkhiciti, kanye netincwadi tekuhweba. Loku kuhambisana nemitsetfo yekulawula imali yase-China, lefuna kutsi imali ifakwe futsi ikhishwe ngesizatfu lesicacile.

Kubalulekile kwati kutsi emabhange ase-China avamise kucinisa kuhlola imali lefakwa ku-akhawunti, ikakhulukazi imali lefika ngaphandle. Cela ibhange lakho kutsi likuchazele lokho lekulindzelwe kuwe mayelana nemadokhumenti ekuhweba. Ungatfoli kutsi imali ingena kalula ngaphandle kwetincwadi letifanele.

Kusebenta neSwazini

Kusebenta neSwazini, cela i-akhawunti yakho yaseSwazini kutsi ikunike imininingwane lefanele yekutsi ungumnikati webhizinisi, kanye nemininingwane yemali. Emabhange aseSwazini avamise kuba nemitsetfo yekulwa nekushushumbiswa kwemali, ngako-ke lindzela imibuto. Cela umeluleki wakho eSwazini kutsi akusite ngemadokhumenti ladzingekako.

Uma ibhizinisi lakho lisebenta eSwazini futsi lisebenta e-China, cabanga ngekusebenta nebhawe lekukhomba emaveni lamabili, nobe ne-akhawunti lemave emhlaba. Lokhu kungenta kube lula kuhambisa imali, kodwa kudzinga kuhlela kwentela lokucacile. Hlangana ne-akhawuntanti wakho ngaphambi kwekutsi utfole tincumo.

Emaphutsa lavamile

• Kucala ngaphandle kwebhizinisi lelibhalisiwe: Emabhange avamise kudzinga ibhizinisi lelikhona ngekwemtsetfo ngaphambi kwekwamukela isicelo.
• Kungabi nemadokhumenti lahunyushiwe: Emadokhumenti lasemtsetfweni avamise kudzinga kuhunyushwa nobe kucindzetelwa.
• Kungacacisi umtfombo wemali: Emabhange avamise kubuta kutsi imali ivela kuphi; ungakhohlwa kwendlulisela imininingwane.
• Kulindzela kushesha: Kuvula i-akhawunti kungatsatsa sikhatsi; hlela kuhamba kwakho ngekubekezela.
• Kungacoci nemeluleki: Imitsetfo yentela neyekulawula imali ingahamba ngekushesha; bhunga umeluleki wangakho.

Silulumagama sekugcina

Kuvula i-akhawunti yebhange yebhizinisi e-China kuyinyatfo lebalulekile kubhizinisi laseSwazini lelifuna kukhula e-China. Kucala ngekulobha ibhizinisi, hlela emadokhumenti, coca nemabhange, futsi lindzela sikhatsi. Lwati loluniketwe lapha lujwayelekile kuphela, akusiko kusita kwemtsetfo nobe kwentela. Ngaso sonkhe sikhatsi sebenzisa umeluleki wemtsetfo nobe i-akhawuntanti lonesipiliyoni e-China kanye naseSwazini ngaphambi kwekutsi utsatsa tincumo letibalulekile.