Kodi chimachitika ndi chiyani ngati banki yanga italephera?

banki yanga yatha Nkhani zokhudza kumangidwa kwa wazachuma Mario Conde, akuimbidwa mlandu wobwezera ndalama zomwe adatenga ku Banesto ku Switzerland, zadabwitsa anthu ambiri ku Spain. Ndipo zikadakhala zotani, zawapangitsa kubwerera kuzinthu zoyipa zamabanki adziko lonse, kapena makamaka oyang'anira ake, zomwe zitha kubweretsa bankirapuse. Ingokumbukirani zomwe zidachitika Bank of Madrid, kampani yothandizidwa ndi Private Bank ya Andorra, yomwe idalowererapo chaka chapitacho ndi oyang'anira mabanki, atadandaula ndi United States Treasure motsutsana ndi bungweli chifukwa chakuwombera ndalama zomwe zidayambitsidwa.

Ndipo pakuwonetsetsa kwakukulu pakapita nthawi, mlandu wa Bankia, ndi mavuto ochulukirapo omwe owasunga ndi omwe adagawana nawo anali nawo, asadasankhidwe pambuyo poti zachuma komanso zandalama zomwe gululi lidatsogolera a Rodrigo Rato. Poyang'anizana ndi zochitika zowopsa kwambiri kwa ogwiritsa ntchito ena, ndipo Mario Conde atamangidwa, sizachilendo kwa ambiri a iwo kudabwa panthawiyi ngati ndalama zanu zili bwino kubanki. Kapenanso, zikadakhala zotani kwa iwo ngati ndalama zomwe adakhala moyo wawo wonse zitha.

Si alamu wamba, kutali ndi iyo, koma ngati akufuna opulumutsa ku Spain atero sungani cholowa chanu, ngakhale zitakhala zochepa bwanji, ngati banki yanga yalephera. Ndipo izi zitha kukhudza maubale anu onse ndi zinthu zomwe zimasungidwa kubanki zomwe zidalembetsa (nthawi yoloza, zolembera, ngongole yaboma, ndi zina zambiri), komanso ndalama zomwe mabungwewo amapanga. Ndi kuti apita mpaka kukakhudza olowa nawo m'magulu azachuma omwe angadutse munyengo yovuta iyi: bankirapuse ya kampani. Mulimonsemo, kudzakhala kofunikira kupita kumalo ndi mfundo kuti mufotokozere zochitika zonse zomwe zingachitike pompano.

Chochitika choyamba: bankirapuse

Nthawi zonse tikamalankhula za bankirapuse ya banki, timaganizira za masauzande ndi masauzande ochepa osunga ndalama omwe asunga ndalama zawo pachinthu chotchuka kwambiri, monga momwe ziliri ndalama zomwe zimasungidwa. Pakakhala bankirapuse, makasitomala omwe adalembetsa pazosungira izi adzakhala ndi zatsimikiziridwa ndi Deposit Guarantee Fund of Credit Institutions mpaka 100.000 yuro Mwini ndi akaunti.

Komabe, sadzawabwezeretsa nthawi yomweyo, koma zidzawonongedwa ndi milandu, koma nthawi zonse azipita ku akaunti yanu yowunika. Iwo omwe agulitsa maupangiri pamtengo wokwera kuposa ndalamazi azikhala nazo zovuta kwambiri, popeza sanathe kulipira mlandu uliwonse. Pokhapokha ngati bankirapuse itadutsa bungwe lina, ndipo ili limatenga ufulu wa makasitomala. Ndipo pali njira yachitatu, kuti bungwe lomwe lakhudzidwa lathetsedweratu, ndikuti atha kukhala m'mikhalidwe yoyipa kwambiri, chifukwa adzakhala pamndandanda wodikirira pambuyo pa omwe amapereka, omwe akugawana nawo, komanso osunga ndalama ambiri.

Mulimonsemo, pali njira yovomerezeka kwathunthu komanso yosavuta kuyigwiritsa ntchito yomwe ingakuthandizeni kupewa izi kuti zisakuchitikireni ngati muli ndi ndalama zoposa 100.000 zomwe mungasunge m'mabanki. Ndipo ingakhale nkhani yolembetsa zinthu zosiyanasiyana pamakhalidwe awa, mpaka kuchuluka komwe kumatsimikiziridwa ndi thumba la ndalama. Ngati kuli kotheka m'mabanki osiyanasiyana, ndi maakaunti omwe sali ofanana. Zotsatira zantchito iyi, mudzatha kuteteza ndalama zonse zomwe mungasunge kuti zitheke kuwonongeka kwa mabungwe azachuma.

Nkhani ina yosiyana kwambiri ndi ya makasitomala omwe, m'malo mwa madipoziti, adasaina zikalata zovomerezeka kubanki. Ngakhale ndiopangidwa ndi mawonekedwe ofanana, omaliza Sakuphimbidwa ndi Fund ya Guarantee Fund, ayi. Chifukwa chake ngati izi zikuchitika, mutha kutaya ndalama zonse, osathekanso kuzipezanso. Osati pachabe, ndipo potengera malingaliro awa, malonjezano ndi mitundu yosungira yomwe ili pachiwopsezo chachikulu, ndipo ndikosavuta kuti muwadziwe musanasaine pangano.

Komanso, kusiyana kwa phindu pakati pa mitundu yonse yazosungira kulibe, popeza amasunthidwa m'malire amodzi omwe amakhazikitsidwa ndi mabanki. Ndipo chifukwa chotsika mtengo wamtengo ndi banki yaku Europe, imakhazikitsidwa m'malo ochepa omwe amachokera ku 0,15% mpaka pafupifupi 0,50%.

Chochitika chachiwiri: nanga bwanji osunga ndalama?

Panorama ina yosiyana kwambiri ndi yomwe imakhudza mabizinesi ang'onoang'ono komanso apakatikati, omwe adatenga maudindo kubanki, yomwe idatseka bizinesi yake. Zonse ziwiri pazachuma m'misika yamasheya okha, komanso kudzera munthumba zachuma. Ayeneranso kukhala odekha munthawi zovuta izi, chifukwa simutaya ndalama zanu. Osati pachabe, bungweli ndiye woyang'anira chuma chanu, Osayiwala. Ndipo choyipitsitsa chomwe chingakuchitikireni ndikuti akaunti yanu yazachitetezo sikugwira ntchito kwakanthawi, pakati pa 1 ndi 6 miyezi. Mwanjira iyi, simudzatha kuchita mtundu uliwonse wa opareshoni.

Kuyimitsa kukakwezedwa, mutha kugulitsa magawo anu mumisika yamalonda, kapena ingochotsani maudindo anu muthumba limodzi. Vuto lalikulu lomwe mungakumane nalo ndikuti chuma chomwe muli nacho muntchito yanu yamtengo wapatali sichitsika mtengo pamitengo yanu pankhani yogula. Ndipo chifukwa cha opaleshoniyi, mutha kusiya ma euro ambiri panjira. Muthanso kudikirira mpaka miyezi ikubwerayi, kapena zaka, athe kubwezanso mtengo wawo pamisika yachuma.

Chochitika chachitatu: makasitomala ali bwanji?

kulephera kwa banki: momwe zimakhudzira magwiridwe antchito Palinso vuto lina, lomwe silimakhudza kwambiri osunga ndalama kapena osungitsa ndalama, koma ogwiritsa ntchito mabanki omwe ali ndi zinthu zoyambira zomwe zimangolembetsedwa ndi bungweli (maakaunti, mapasipoti, mapulani osungira ndalama, ndi zina zambiri). Mkhalidwe wawo, kupatula kosowa, udzakhala wofanana ndendende ndi makasitomala omwe adalembetsa msonkho uliwonse. Ndipo pachifukwa chomwechi ngati ichi, ndikofunikira kuti pamtengo wopitilira 100.000 mayuro, asankhe tsegulani akaunti yosiyananso, kapena pokhapokha ngati ili m'dzina la ena omwe alandila. Atha kukhala makolo anu, abale anu kapena abale anu ena.

Chifukwa chake kufunikira kokhazikitsira ndalamazo pamalo achitetezo otetezeka, ndikuti sizikuphwanya malamulo aliwonse oyang'anira mabanki aku Spain. Komabe, panthawiyi mutha kukhala otsimikiza za izi, chifukwa mabanki onse adziko apambana mayeso a solvency pamakina azachuma awo ndi mamaki abwino, omwe apangidwa posachedwa kuchokera ku mabungwe oyang'anira apamwamba a Monetary Union.

Chochitika chachinayi: nanga bwanji ngongole zanga?

bankirapuse: ngongolePali kuthekera kwina komwe kungachitike kwa inu, ndipo kumakhudzana ndi zochitika zomwe mungakhale ndi ngongole yomwe mwalandira (zanu, ogula, kubweza ngongole, ndi zina zambiri) ndi banki yomwe imatha kubweza, ndikupulumutsidwa ndi ndalama zaboma . Poyamba, simutaya ndalama zanu popeza zimapita ku bungwe lina, kapena mungakhale ndi udindo wolipiritsa kuboma lenilenilo.

Nkhani ina yosiyana kwambiri ndi pamene bankirapuse ndi luso, ndipo palibe kuthekera kopulumutsa. Kenako, ngongole yomwe munalandira kudzera mu ngongole yanu imagawana kwa omwe amabweza ngongoleyo.

Malangizo ochokera kwa mabungwe ogula

malangizo othandiza kupewa izi Mabungwe osiyanasiyana oteteza ogula apanga maupangiri angapo kuti ateteze milanduyi kuti isachitike m'mabanki aku Spain. Makamaka, kuchokera ku Association of Ogwiritsa Ntchito Mabanki, Mabanki Osungira Ndalama ndi Inshuwaransi ya Spain (ADICAE) Spanish ikufuna oyang'anira dziko lonse kuti azigwiritsa ntchito batri lalikulu la njira zomwe zimayesetsa kupewa izi zowononga chidwi cha makasitomala. Ndipo pakati pake pali izi:

  1. Kuyang'anira, kuwongolera ndi kupereka malipoti kuchuluka kwa ma komiti ndi ndalama zomwe mabungwe azama ngongole amagwiritsa ntchito pazogulitsa zawo ndi ntchito zawo.
  2. Kuunikanso zakusintha kwa chiwongola dzanja pa ngongole, ngongole ndi zina zobwezera kapena zolipira mochedwa kuti zisawonjezeke ndikufalikira kwakukulu. Momwemonso, chidwi chapadera chidzaperekedwa kwa zochitika pamgwirizano pakubweza ngongole yanyumba, makamaka pokhudzana ndi kufunikira kwa maulalo monga kutenga inshuwaransi, mapenshoni, kugwiritsa ntchito makhadi, ndi zina zambiri.
  3. Kulakwitsa kwaudindo wa mamaneja a mabungwe azachuma omwe asankha kapena asankha kupulumutsa.
  4. Yang'anirani makamaka, ndipo fotokozani ngati kuli koyenera, Mitundu yazinthu zosunga-ndalama komanso momwe ndalama zilili ndi mgwirizano womwe umaperekedwa ndi ogula ndi mabungwe onse omwe amafunsira thandizo ku FROB, komanso mitundu yotsatsa ndi kugulitsa.
  5. Kuteteza ufulu wa omwe ali ndi masheya ang'onoang'ono mwa ma banki osungitsa aja adasanduka mabanki omwe adapereka magawo kuti adzipezenso ndalama zomwe zikuyenera kupita ku FROB kukayeretsa maakaunti awo.

Kudziteteza kwa ogwiritsa ntchito kubanki

Mulimonsemo, makasitomala ali ndi njira zina zotetezera zovuta m'mabanki, ndipo izi ziyamba kuchokera pakulowetsa njira zina zomwe zingateteze ndalama zawo komanso ndalama zawo.

  • Osatumizira zopulumutsa pazambiri zopitilira 100.000 mayuro.
  • Khalani kutali ndi mitundu yomwe simukutsimikiziridwa ndi Fund ya Guarantee Fund.
  • Sankhani mabungwe azachuma zambiri zosungunulira ndikuti azitsatira malamulo a banki.
  • Crea maakaunti osiyanasiyana owunika chikwama chomwe muli nacho chimakhala chokulirapo.
  • Njira yabwino kwambiri thandizani kuwonongeka kwanu kudzakhala kukudziwitsani za iwo.

Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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