Kodi mungamvere malingaliro am'misika yamsika yamabanki?

mabanki Ndithudi zakhala zikukuchitikirani nthaŵi zingapo. Lolani mabanki kuti adzipangire okha malingaliro kuyika ndalama m'mabungwe. Ndi zotsutsana komanso zosagwirizana potengera zotsatira zomwe akupangirani. Kodi njira zobanki izi zitha kukuvulazani mpaka pati? Chifukwa m'malo opitilira umodzi sichingakhale ntchito yabwino kwambiri yomwe mwakwanitsa kuchita mumisika yazachuma.

Chifukwa chakuti, njira yomwe muyenera kuwunika ndikuti mukuchita ndi banki, osati ndi kampani yopanga ndalama. Ndi kusiyanasiyana kwakukulu kwamitundu yonse yamabizinesi. Simungaiwale kuti ndi osiyana kotheratu. Kuchokera pazomwezi, makamaka, ogwira ntchito kubanki sayenera kukhala ndi chidziwitso chokwanira pamagawo azachuma. Chiwerengero chake pachikhalidwe chimayesedwa poyesera kutero kugulitsa zinthu zazikulu kuthamangitsidwa ku bungwe lanu lazachuma.

Simukuiwalanso kuti m'masiku ano uthenga wofalitsa udasindikizidwa ndi Bank of Spain mwanjira yoti kusamalira makasitomala aku banki yaku Spain sikokwanira kwenikweni. Kuwonetsa zoperewera zambiri zomwe zimafikanso kudziko lazachuma. Ndizosadabwitsa kuti ali mu udindo wowulula zoopsa zomwe mungakumane nazo pakupanga mgwirizano wazinthu zazikulu zachuma. Kumene kugulitsa m'misika yamasheya sikumaphatikizidwanso.

Mabanki: mutha kuwamvera?

gwiritsani ntchitoLimodzi mwa mafunso omwe muyenera kudzifunsa kuyambira pano ndikuti muyenera kutsatira malangizo omwe banki ikupatsirani. Muyenera kusiyanitsa pakati pa omwe ali antchito ndi omwe madipatimenti odziwika bwino pamabungwe. Ponena za lingaliro lakale, ndibwino kuti musazilingalire. Chifukwa kunena zoona zitha kukhala choncho chifukwa amakhala ndi malingaliro ochepa oti azigulitsa kumsika wamsika kuposa ena mwa makasitomala awo. Kufikira kuti angakulowetseni munthawi inayake nthawi iliyonse.

Muzochitika izi, ngati mukuyenera kuwongolera ndalama zanu, dzichepetseni pamachitidwe oyang'anira koma osapanganso zina. Chifukwa amatha kukupatsani malangizo olakwika. Ndipo kumapeto kwa tsiku ndi inu omwe mumayika ndalama komanso zomwe mudzataye ngati zinthu sizikukula monga mukuyembekezera. Kuchokera pakuwona, muyenera kukhala osamala makamaka chifukwa mungathe kukuwonani mutabatizidwa muzochitika zosayembekezereka. Pazifukwa zomveka bwino ndipo izi sizopanda kuyankha omwe muyenera kuchita. Ndi mkhalidwe womwe opulumutsa masauzande ndi masauzande adakumana nawo mzaka zaposachedwa. Pofuna kuti mwina inunso mukhale.

Kuphatikiza apo, adzakhala ndi zopereka zochepa kwambiri pazachuma chamtunduwu. Popanda kudziwa kuti ndi mfundo ziti zofunika kuzilandira nthawi zonse. Mwanjira iyi, Mutha kudzivulaza kuposa kupindula. Pofuna kupewa zovuta izi, ndibwino kuti mupewe kufunsa upangiri wawo pazomwe mungachite ndi ndalama zanu pokhudzana ndi misika yamalonda. Musagwere mu cholakwika chachikulu ichi ngati simukufuna kulipira zambiri kuyambira pano.

Madipatimenti azachuma

Chinthu china chosiyana kwambiri ndi magawo kapena magawo azachuma omwe mabungwe azachuma ambiri amakhala nawo. Ali ndi antchito oyenerera kwambiri zomwe zingakuthandizeni kugwiritsa ntchito ndalama zanu kuyambira pachiyambi. Kuphatikiza apo, ndi ntchito yaulere kwathunthu yomwe singakulipireni yuro imodzi. Chofunikira chokha kuti mupindule ndi kukhala kasitomala wa bungwe lazachuma. Nthawi zina zokha, angafunikire zina zowonjezera. Mwachitsanzo, kukhala ndi akaunti yachitetezo kapena yolipidwa. Kwa inu mwanjira iyi, ndinu oyenera kuti mulandire zabwino zake zonse.

Madipatimenti azachuma amabanki adapangidwa kuti akupatseni njira zonse zokulitsira ntchito zanu mumisika yachuma. Osangopereka malingaliro abwino ndi chuma nthawi zonse. Komanso kuti ndikupatseni maupangiri othandiza amapeza phindu lochulukirapo za ndalama zomwe muli nazo pantchitoyi. Osati kokha kuchokera kuma equity, komanso ndalama zokhazikika kapena mitundu ina. Chifukwa chake, ndichida chomwe chingakupatseni chitetezo chambiri chotsegulira kapena kutseka malo mumisika iliyonse yazachuma.

 Kudzera pa banki yapaintaneti

kubanki pa intaneti Nthawi zambiri zigawozi zimatha kupezeka kudzera muukadaulo wa telematic makamaka kudzera mu matekinoloje atsopano. Ngati ndinu m'modzi mwa makasitomala achikhalidwe omwe amangokhala ndi nthambi zaku banki, zikhala zovuta kwambiri. Chifukwa chakuti, njira izi sizikhala ndi ogwira ntchito pazofunikira zomwe mukufuna. Muyenera kugwiritsa ntchito foni kuti mukwaniritse zolinga zanu. Koma koposa zonse kudzera pa kompyuta kudzera kubanki yapaintaneti. Ndizosadabwitsa kuti ndi njira yomwe imasonkhanitsa bwino ntchitoyi.

Banki yapaintaneti imakupatsirani pafupifupi chilichonse kuti muzitha kusamalira ndalama zanu. Komanso osagwiritsa ntchito yuro imodzi. Kuphatikiza pakukhala kasitomala, afunsanso kuti mukhale ndi kiyi ndi mawu achinsinsi lowetsani tsamba lanu. Mukachilandira, mudzatha kutsatira njira zonse zomwe zikupezeka mgululi. Kuyambira kugula ndi kugulitsa magawo mumisika yachuma mpaka kusamutsa ndi ndalama zanu. Koma izi zimapitilira apo, chifukwa zimakupindulitsani.

Chifukwa chakuti, mutha kufikira magawo azachuma omwe mabanki amapangira makasitomala awo. Amanenanso za mitengo yamasheya yabwino kwambiri yomwe mungalembetse ntchito, ngakhale atawonjezerapo zina monga mtengo womwe akupereka kuzachuma. Mbali inayi, amakufotokozerani pa intaneti momwe mungagwiritsire ntchito pazinthu zina zachuma. Mwa zina, zotumphukira, zololeza kapena kugulitsa ngongole. Mutha kuzilumikiza ngakhale mwa zoyeserera zomwe mabungwe azachuma amakhala nazo kuti mutha kudziwa zambiri kuti muyambe kugwira ntchito.

Mitengo yokhazikika pamsika wogulitsa

Mulimonsemo, chimodzi mwamaubwino amabanki ena ndikuti ali ndi mpikisano wokwanira kwambiri wopititsa patsogolo mayendedwe anu mumabizinesi. Makamaka kudzera pazomwe zimatchedwa mitengo yosalala yomwe mungasunge ndalama zambiri chaka chilichonse. Zambiri kuposa momwe mungaganizire pakadali pano. Chifukwa amakulolani kuchita zochitika zambiri momwe mungafunire pamtengo womwewo. Ndi mtengo wokhazikika izi zimasiyanasiyana kuyambira ma 18 mpaka 30 euros mwezi uliwonse. Ndikulimbikitsidwa kwambiri ngati mukusungitsa ndalama zogwirizana kwambiri ndi misika yazachuma.

Ngakhale mitengo yotsalazo imangokhudza misika yadziko lonse, m'mabanki ena amapereka imakwezedwa m'misika yakunja kwathu. Ngakhale ndi mtengo wokwera poyerekeza ndi msika wamasheya wakale. Ndiwothandiza onse kupanga zogulitsa monga malonda. Ngakhale zopereka zake zazikulu ndikuti mutha kugwira ntchito zilibe malire. Chokhacho chomwe mumadziikira.

Tsatirani thumba kuchokera mafoni

mafoni Kukula kwa matekinoloje atsopano kumakhudzanso zochita zanu. Chifukwa mutha kusunganso ndalama zanu pazinthu zoyankhulirana. Muyenera kutsitsa pulogalamu yoyenera ndikuyamba kugulitsa pamsika. Kapena ngati mungakonde ndi zinthu zina zachuma. Pamenepa, sizidzafuna ndalama zilizonse. Kukhala kasitomala wa bungwe lazachuma kudzakhala kokwanira kukhala ndi njira yolumikizirana yatsopanoyi.

Chimodzi mwamaubwino omwe njirayi imakupatsirani ndikuti kuyambira pano mutha kuyika ndalama zanu kulikonse komanso nthawi iliyonse. Kuchokera pantchito yanu kapena mukuwononga tchuthi choyenera kunyanja. Ndizosadabwitsa kuti ntchito zomwe mumagwiritsa ntchito pafoni yanu zikhala pafupifupi nthawi yeniyeni. Ndikuchedwa kwa masekondi pang'ono komwe kukuthandizani kuti muzitha kuyendetsa bwino zonse zomwe mwapanga kuchokera kuukadaulo uku. Ndi chidziwitso chowonjezerachi mudzakhala ndi chidziwitso chenicheni pamitengo yamakampani azachuma.

Zina mwazofunikira kwambiri zomwe mungakhale nazo kuchokera pafoni yanu ndikuti mudzakhala ndi zambiri kuposa njira zina wamba. Simudzakhala ndi chindapusa, kapena ma Commission azomwe zachitika. Ndi nthawi yowunika momwe chuma chanu chilili. Kotero kuti motere, mutha kukonza zolakwika zilizonse zomwe mwachita muntchito yanu iliyonse. Kudzera pachida ngati mafoni chomwe mumakhala nacho nthawi zonse. Ndipo mutha kuyigwiritsa ntchito kukwaniritsa njira iliyonse kapena kasamalidwe kanu mu njira zanu zokhudzana ndi ndalama zambiri nthawi zonse.

Maubwino onsewa ndi omwe mungakhale nawo kubanki yanu wamba. Popanda kuwononga ndalama kapena kuphatikiza zida zina zomwe cholinga chake chachikulu ndikukuthandizani kuti mupeze ndalama zomwe mwapeza kuti izi zitheke. Chifukwa kwenikweni, simufunikanso kupita kunthambi yaku banki. Monga mbali inayi makolo anu kapena agogo anu anachita mpaka zaka zingapo zapitazo.

Omwe nthawi zonse mumakhala ndi upangiri kapena chida chothandizira kupititsa patsogolo mbiri yanu yazachuma. Mulimonsemo, simudzakhala ndi njira yabwinoko kuposa kuphatikiza ndi njira zina, mwachitsanzo, pa kusanthula ukadaulo, chartism kapena ngakhale kayendetsedwe kazachuma amakampani.


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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
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  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.