Yimalini onokuyifumana njengengcali yebhanki?

Yintoni ingcali yebhanki?

Nabani na osebenza njengengcali yebhanki uthatha uxanduva oluninzi ebhankini. Oku kubandakanya, umzekelo, iinkonzo zokubonisana, inkonzo yabathengi kunye nokulungiswa kweentengiselwano zemali. Iingcali zeBhanki zinoxanduva lokuphumeza kunye nokuphumeza iinjongo zebhanki kwaye kufuneka zibe nezakhono zobugcisa kunye jikelele.

Uthini umahluko phakathi kwengcali yebhanki kunye nonobhala webhanki?

Umahluko ophambili phakathi kwengcali yebhanki kunye nonobhala webhanki ngumxholo ohlukeneyo wokufunda. Ingcali yebhanki kufuneka ifumane ulwazi lwengcali olufunekayo kwindawo yakhe yoxanduva ngokusekelwe kuqeqesho olongezelelweyo kulawulo lweshishini. Ngembuyekezo, unobhala webhanki kufuneka ngaphezu kwakho konke afumane ulwazi olusisiseko kwiinkalo zentlangano yezoshishino, i-accounting kunye nekhredithi.

Ngubani onokuqeqesha ingcali yebhanki?

EJamani, yonke ibhanki inokuqeqesha ingcali yebhanki. Nangona kunjalo, ibhanki kufuneka ibe nemvume evela kwi-Federal Financial Supervisory Authority (BaFin) ukwenza oku. Oku kuqinisekisa ukuba iinkqubo zoqeqesho kunye nomxholo woqeqesho ziyahlangabezana neemfuno zeBaFin.

Uphakame kangakanani umvuzo njengengcali yebhanki?

Umvuzo njengengcali yebhanki ixhomekeke kwizinto ezahlukeneyo, ezifana namava kunye neminyaka yengcali yebhanki. Ngokwe-avareji, ingcali yebhanki eJamani inokulindela umvuzo wokuqalisa ojikeleze i-2.500 - 3.000 ye-euro yonke ngenyanga. Ngokunyuka kwamava kunye noqeqesho oluthe kratya olufanelekileyo, ingcali yebhanki inokunyusa umvuzo wenyanga uphelele ukuya kuma-euro angama-4.000.

Zeziphi iinkalo zomsebenzi ezikhoyo kwiingcali zebhanki?

Iingcali zebhanki zinokusebenza kwiinkalo zenkonzo yabathengi kunye nakwiinkalo zeengcebiso zotyalo-mali kunye nokuboleka imali. Ukongezelela, iingcali zebhanki nazo zingasebenza kwimimandla yohlalutyo lwemali, ulawulo lwee-receivables kunye nokucwangciswa kwemali.

Zeziphi iingenelo zoqeqesho ukuze ube yingcali yebhanki?

Uqeqesho lokuba yingcaphephe yebhanki lubonelela ngeenzuzo ezininzi. Ngakolunye uhlangothi, abathathi-nxaxheba bafumana ulwazi olunzulu olusisiseko kwiinkalo zezimali, iibhanki kunye neengcebiso kubathengi. Kwelinye icala, izakhono ezibandakanya iinkalo zoqeqesho ezinjengonxibelelwano, unikezelo-ntetho kunye nohlalutyo nazo ziyafundiswa. Oku kunokuba yinzuzo enkulu kamva kumsebenzi wakho.

Ngawaphi amanye amathuba oqeqesho akhoyo kwiingcali zebhanki?

Iingcali zebhanki zinethuba lokuqhubela phambili nemfundo yazo kunye nokwenza nzulu ulwazi ezilufumeneyo. Olunye ukhetho loqeqesho lubandakanya, phakathi kwezinye izinto, uqeqesho lokuba yingcaphephe yebhanki eqinisekisiweyo, ingcali yezoshishino eqinisekisiweyo okanye ingcali yezoqoqosho eqinisekisiweyo. Kukwakho ithuba lokuthatha inxaxheba kwiisemina ezahlukeneyo kunye nezifundo zokufumana ulwazi oluthile.

isiphelo

Njengengcali yebhanki unokufumana umvuzo owanelisayo eJamani. Ngokufumana ulwazi lweengcali zebhanki nezemali kunye noqeqesho olongezelelweyo kwizihloko ezithile zezimali, iingcali zebhanki zinokwenza umsebenzi wazo usebenze ngakumbi kwaye zivelise umvuzo ophezulu. Uqeqesho lokuba yingcaphephe ebhankini lukwaxhobisa abathathi-nxaxheba ngezakhono eziyimfuneko ukuze baphumelele kwimisebenzi yabo.