El Bankin banki Yawanci lokaci ne na gama gari don jin ko karantawa a fagen tattalin arziki. Abu ne na al'ada cewa, kasancewar ba ku san ilimin tattalin arziki ba, kamar yadda wasu masana a fagen suke, kuna buƙatar fayyace abin da wannan kalmar take nufi tunda yana iya rikicewa kuma ana iya buƙatar al'adun gargajiya mafi girma don neman ingantaccen aiki da ma'ana don ƙirƙirar ra'ayi na wannan lokacin, a nan za mu bayyana wannan tunanin don ku iya ɗaukar shi zuwa gida, tare da abokan kasuwancin ku, tare da dangin ku kuma kada ku sake tunanin cewa Bankin Banki yana da alaƙa da billariya.
Kalmar Bankin banki ne yawanci alaka da "kudaden waje na kamfanin”, Wannan wataƙila ɗayan batutuwan da mutane ƙalilan suka sani kuma game da waɗancan tatsuniyoyi da ramblings da yawa waɗanda ba sa bayyana abin da ake nufi da gaske. Akwai kalmomin tattalin arziki da yawa tare da ma'ana mai rikitarwa, waɗannan dole ne a yi karatu mai zurfi idan abin da kuke so shi ne fahimtar tattalin arziki azaman wani abu na farko wanda ke faruwa a rayuwar yau da kullun amma mutane ƙalilan suka sani. Kafin kayi la'akari da shiga batun, dole ne ka ayyana kalmar.
Bankin banki, ma'anar sa.
Dole ne ku gane menene banki, kalmar da ke nuni da wasan wasan agogo da rana kuma baya kara mahimmancin aikin. Gabas Wani rahoto ne wanda kamfanin yayi, a cikin wannan rahoton yana nuna duk nau'ikan kudaden da yake samu daga wasu kamfanoni. Har ila yau, ana kiranta da “thirdangare na uku na ba da kuɗi”, wani nau'in taimako ne wanda ba dole ba ne ya danganci saka hannun jari ko ribar kamfanin.
El bankin banki cikakken rahoto ne na hadari ga ayyukan banki, ko lamuni, ayyukan kuɗi, lamuni, garantin, da sauransu, duk ana kiyaye su ta ƙungiyar doka, a wani lokaci, a bankunan da wannan ƙungiyar ke aiki da su.
A cikin kowane aikace-aikacen neman rance, manufar bashi ko wani samfurin tallafi, wanda ƙungiyar kasuwanci ta buƙaci, bankin yana buƙatar jerin takardu don bincika ƙawancen kamfanin.
Theungiyar banki ba kawai ta buƙaci bayanin lissafi ba (bayanin kuɗin shiga, takaddun kuɗi) ko bayanan kasafin kuɗi (Waɗannan haraji da aka gabatar kwanan nan, daga cikin waɗannan akwai Harajin Kamfanin, VAT, Harajin Haraji na Mutum, da sauransu), ban da cewa yana buƙatar an riga an ambata wurin banki
A cikin rahoton, dole ne kamfanin kasuwancin ya bayyana takamaiman kayayyakin kudi da ta kulla, sunan kowane banki, kwanakin karewar duk kayayyakin kwangila da iyakokin da aka bayar ga kowane kayan kudi. Ana ba da shawarar haɗawa zuwa wannan rahoton, sabbin rasit na kowane samfurin kuɗin da aka ambata, za ku iya ƙara takaddar takaddun bashi a kowane banki.
Idan bai bayyana ba, ga misali mai sauki:
SME na iya samun bankin banki wanda a ciki yake bayanin cewa tare da banki ɗaya yana da layin rangwame, yayin da tare da wani bankin (banki na biyu daban da na farko), yana da asusun ajiya kuma tare da aikin ba da haya tare da wasu ɓangare na uku.
Baya ga wannan daki-daki na bashi, cibiyar hada-hadar kuɗi na tattara bayanai daga babban bankin haɗarin Bankin Spain (CIRBE). Bayan mun faɗi haka, zamu iya tabbatar da cewa bankin banki da CIRBE suna dacewa, wannan baya faruwa kowane lokaci.
Tabbataccen gaskiyar da za ayi la'akari da ita shine cibiyoyin kuɗi ba lallai bane su bayyana lamuni na ƙasa da euro dubu 6, saboda wannan dalilin CIRBE bazai bayyana haɗarin da ke ƙasa da wannan adadin ba. Babban dalili ne da mahimmancin tafkin banki, don sanin matsayin ƙawancen kamfanin.
Menene CIRBE?
CIRBE, saboda gajeruwar sunan ta a cikin Sifen: Cibiyar Bayar da Hadarin na Bankin Spain (CIRBE), shine bayanan jama'a, duk da haka, na sirri ne, wanda a ciki ake tattara haɗarin da cibiyoyin bashi tare da abokan cinikin su, ko sun kasance lamuni ne, bashi, ƙididdigar lamuni, da sauransu. (Ka tuna cewa wannan koyaushe don daidaitawa daga euro 6.000).
Idan har lamarin ya kasance cewa lissafin yana nuna alamar kamfanin kasuwanci, tare da fahimtar wannan cewa ana yin rijistar alhaki tare da hukumomin hada-hadar kudi, Cibiyar Bayar da Hadarin Tsakiya ta Bankin Spain da kuma bankin banki wanda aka ciro daga lissafin asusun Kamfani yakamata yayi daidai.
Shin zai yiwu banki ya nemi bayanai daga CIRBE ga kamfani?
Tun 2002 amsar wannan ita ce eh na iya. Kamar yadda aka sanar da shi ta bankin Spain, ba da izini ga abokin ciniki ba lallai bane. Amma ma'aikatar kuɗi dole ne ta gabatar da rahoto a rubuce cewa tana cikin haƙƙinta na yin hakan, kai tsaye ga abokin harka.
Bank of Spain da bankin banki.
Hukumar kula da Bangaren hada-hadar kudi a Spain shine Bankin Spain, wanda ake aiwatar da aikinsa tare da Babban Bankin Turai a cikin Tsarin Kulawa da Kulawa Guda. Wannan cibiya tana aiwatarwa tare da ayyana manufofin kudi na yankin na Yuro, suna ba da takardun kudi daidai da jagororin Majalisar Zartaswar ECB, ban da kula da kudaden musaya na kasashen waje da karafa masu daraja a Spain, wannan da Sauran ayyukan. Wasu daga cikin halayen sa sune sarrafawa da tattara bayanai game da lamuni, garanti, lamuni da sauran haɗarin da ƙungiyoyin kuɗi zasu iya kuma tarawa. Ana gudanar da wannan bayanan ta hanyar sabis da aka sani da Cibiyar Bayar da Bayani na Hadari ko CIR (a wajen Spain), ko kuma ake magana a kai a lokuta da yawa kamar Bankin Bayanai na Hadarin Bankin Spain.
Manufofin CIRBE sune musamman guda biyu:
- Bayar da mahimman bayanai ga ƙungiyoyi don su iya ba da haɗari, shi ke nan lokacin da ya yi rawar bankin banki.
- Yana aiki azaman kayan aikin kulawa don banki, saboda wannan dalilin yana cika aikinsa a cikin ayyukan Bankin Spain.
Ta yaya bankuna ke bayyana haɗarinsu?
A kowane wata, kungiyoyin bashi, bankunan ajiya, bankuna, cibiyar bayar da bashi ta hukuma ko ICO, hukumomin hadahadar kudi na Spain a cikin cibiyoyin kasashen waje da duk kamfanonin bada bashi suna ba da duk bayanan da ake bukata.
Yana da mahimmanci a yi la'akari da cewa, a cikin jerin da aka ambata, wasu daga cikin haɗarin an cire su kuma wasu samfura da lamuni suna waje ko kuma sun ɓaci daga wannan wajibi.
Hadarin kai tsaye da kai tsaye.
Da zarar an samu bayanan, an raba su zuwa nau'i biyu:
- Kai tsaye kasada. Waɗannan suna da alaƙa da sa hannu ko lamunin kuɗi da bayar da lamuni. Kafaffen hanyoyin samun kudin shiga suma masu ba da bashi ne, wanda kuma aka fi sani da "lamunin bashi", ban da bashin jama'a. Wasu misalan karshen sune: shaidu ko kuma wajibcin baitul malin jama'a, takardar kudi, da dai sauransu.
- Haɗarin kai tsaye Waɗannan su ne waɗanda suka dace da waɗanda ke ba da tabbacin sauran abokan kasuwancin da ke da lamuni.
Wadanda zasu iya samun damar bayanan da aka yiwa rajista da sunan su duk mutane ne na halitta ko na shari'a. Ana yin wannan ta hanyar Ofishin Virtual na Bankin Spain, don yin hakan ya zama dole a sami DNI na lantarki ko takaddar dijital da aka bayar ta Curasa da Nationalasa da Masana'antu ta oryasa. Samun dama a cikin mutum ba abu ne mai yuwuwa ba, tunda kawai ya zama dole a je ofisoshin Cibiyar Ba da Bayani ta Haɗari ta Hedikwatar Babban Bankin Spain, wanda adireshinsa shine: Calle Alcalá, 48, Madrid. Kuma azaman zaɓi na ƙarshe, ana iya yin buƙata ta wasiƙa tare da bayanan masu zuwa daga mai aikawa:
- Bank of Spain
- Bayanin Kudi da Babban Hadarin
- C / Alcala, 48
- 28014
Duk mai bayanin zai iya neman sahibansa, saboda wannan mai shi dole ya sanya hannu kan takaddar koke kuma ya kawo hoto na DNI, fasfo ko NIE. Idan mai riƙewar yana son ya ba da haƙƙinsa, dole ne a cika waɗannan sharuɗɗa: Bayar da NIE, DNI ko fasfo na wakilin da takaddun jama'a wanda ke tabbatar da cewa wakilin zai iya yin wannan rawar.
Menene bayanan da suka wajaba don kammala teburin wanka na banki?
Mahimmanci da overestimation na samun duk bayanan da aka ba da umarnin kuma ya zama dole daidai don hana kuskuren ko yanke shawara maras tushe ba tushe bane. Waɗannan su ne ainihin bayanan don kammala teburin bankin banki:
- Sunan kamfanonin da kamfanin yayi kamfani da su.
- Nau'in haɗarin da yake ishara zuwa, ya kasance daraja ce, tabbatarwa, jinginar gida, amincewa, da sauransu
- Adadin farko na haɗarin har yanzu yana aiki.
- Adadin da ke cikin haɗarin, an fahimta azaman abin da ya rage don daidaitawa.
- Kwanan fara samfur.
- Ranar karewar samfur.
- Garanti waɗanda suke ko kuma suna da alaƙa da samfurin.
A qarshe; duka mutane da kamfanoni sun dogara da kuɗin banki kuma ƙungiyoyi suna tambaya cewa komai ya kasance cikin tsari, ba shi da mahimmanci a garesu cewa abokan hamayyar su ma suna ba da kuɗi. Wani ra'ayi wanda yake da tushe sosai cikin ƙungiyoyin kuɗi, wanda ke nufin cewa tsakanin ƙungiyoyi da yawa, ee, amma ba kasancewa a wajen harkar banki ba.