Nhasi, anenge munhu wese ane akaundi yekubhangi. Izvi zvakabatanidzwa kubhangi, kana bhangi, iro rinoona nezve kuona kuti account yako yakachengetedzwa uye kuti mari irimo inoramba ichiwanikwa iwe chero chaunoda.
Zvisinei, Ndezvipi zvimwe zvaunoziva nezve bhangi? Unoziva here dzakasiyana mhando dzezvinhu? Kana yese masevhisi avanogona kupa? Izvo, uye nezvimwe zvakawanda, ndizvo zvaticha taura nezvazvo zvinotevera.
Chii chinonzi bhangi
Bhizinesi rebhangi rinozivikanwa zviri nani nezita raro rakajairika, bhangi, kunyangwe ringave riine mamwe mazita senge chikwereti institution kana depository institution. Icho chiri kambani yemari inobata nekupa masevhisi emari kune vatengi, zvakaita sezvikwereti, zvikwereti ... Zvakare nekutarisira kuchengetedza mari inoiswa mavari nevatengi yakachengeteka.
Chinangwa chebhangi ndechekugadzirisa mari yevatengi nenzira yekuti inoishandisawo kuikweretesa kune vamwe.
Chii chinoitwa nebhangi bhizinesi
Zvichida kutaura, bhangi rine mhando mbiri dzezviitiko:
- Basa rekuita. Inoenderana nekukwezva mari kubva kuvanhu kana masangano, makambani, masangano, nezvimwe.
- Kushanda kwemidziyo. Uye ndezvekuti ivo vari pamusoro pekukweretesa iyo mari iyo yavakatora kune vechitatu mapato, nguva dzose pamutengo wakakwira, kuti vawane purofiti yekuitisa izvo kutengeserana uye, zvakare, kune njodzi yavanomhanya
Basa rekuita
Kana tikatyora zvishoma zviine mashandiro emabasa ebhangi, iwe uchaona kuti zvinoreva kukwezva vatengi uye, navo, zviwanikwa. Ichi chikamu ndipo panowanikwa maakaundi ebhengi, akachengetedza maakaundi, makadhi ebhangi, marefu-ma deposits anouya ...
Mune mamwe mazwi, tiri kutaura nezveavo masevhisi anopiwa kune vatengi anosanganisira kusiya imwe mari yemari yakachengetwa mubhangi. Izvi zvinogara zviripo kune vatengi, vanogona kuzvibvisa pese pavanenge vachida. Asi, zvakadaro, icho chikamu chemari iyo bhangi inofanirwa kukweretesa mari kune wechitatu munhu (zvinove zvinoshanda zviitiko).
Kushanda kwemidziyo
Sezvo isu tatozvitaura, zvinoreva zviitiko zvine chekuita nechikwereti chemari. Ndokunge, ivo vanoedza kufambisa mari nekuikweretesa kune vamwe vanhu uye kuwana akateedzana mabhenefiti ekuita kudaro.
Mune urwu rudzi rwekushanda, semuenzaniso, zvikwereti uye mitsara yechikwereti, zvikwereti, mogeji ... Navo, zvavanoita ndezvekuti ivo vanopa mari kune chero anochida mukutsinhana nemubhadharo wakabhadharwa nemunhu anoda iyo capital, chii bhanga pacharo rinowana mukugadzirisa maitiro aya nekutora njodzi kuitira kuti munhu iyeye adzosere mari yaakatambira.
Mhando dzemabhengi masangano
Zvino ngatizivanei akasiyana marudzi emabhangi. Uye ndezvekuti, kunyangwe iwe usingatendi mazviri, mabhangi sekuziva kwawo haasi iwo chete anowira mukati meichi pfungwa, asi pane zvimwe zvakawanda.
Nekudaro, iwe unogona kuwana zvinotevera:
Retail kubhengi
Rudzi urwu rwebhangi ndirwo rwunojairika, uye rwacho iwe unonyatsoziva kwazvo Muchokwadi, mubhadharo wako, mudyandigere, kana mari yaunowana inopedzisira iri muakaundi yebhangi yerudzi urwu. Aya ndiwo masangano umo vatengi vari vega vanhu.
Kunyanya zvakanyanya, ivo vari iwo mabhanga kwaunogona kuvhura account yekubhangi, kukumbira zvikwereti kana zvikwereti, nezvimwe. Ivo vanoshanda chete kune vanhu vamwechete, kunyangwe paine zvakare masevhisi evanozvimiririra nemakambani (kunyangwe iyo yekupedzisira inowanzo sarudza imwe mhando yebhangi).
Kambani kubhengi
Mune ino kesi, uye sezvatakakuudza kare, iri mhando ye kubhengi chinhu chinotarisa kumakambani. Kunyangwe ivo vangave vaine masevhisi akafanana neaya ekutengesa kubhengi, ivo zvakare vane rimwe bhuku rezvibodzwa zvine chekuita nemakambani akadai semubhadharo, kuwedzerwa kuwanda, chaiyo POS yekutengesa online, nezvimwe.
Mune mamwe mazwi, zvese izvo zvinoda makambani kubva kubhangi kuti zvikwanise kushanda nekuita zviitiko, kungave nevatengi vavo kana nevashandi vavo.
Private banking
Pachako kubhengi chikamu chekutengesa kubhengi. Zvisinei, inotarisa pane chakanyanya chikamu: avo vanhu vane hupfumi hwakawanda kana hupfumi. Mune ino kesi tinogona kutaura kuti iwo mabhangi anopa kurapwa kwakasarudzika kune avo vakapfuma vatengi, uye, nekudaro, vanovachengeta.
Iwo masevhisi avanopa kune vatengi anogona kunge akafanana kune vamwe asi, nekuda kwekuve "akakosha", ivo vanopa mamwe marudzi emamwe mamiriro akanaka uye anobatsira kwavari, kungave nekomisheni shoma, ine purofiti yakakura, nezvimwe.
Investment kubhengi
Iyo inozivikanwa zvakare sebhizinesi rebhangi, ndizvo izvo ari pamusoro pekushandira masangano epamutemo uye manejimendi mune izvo zvavanoda, kunyanya zvine chekuita nekudyara. Semuenzaniso, kubatanidzwa, kuwanikwa, kudyara mune mamwe mabhizinesi, nezvimwe.
Masangano ekubhengi muSpain
Zvino zvawava kuziva zvirinani iro bhangi uye kunyanya mhando uye zvinoitwa mavari, yave nguva yekuti iwe uzive ndiwo mabhanga ariko kuSpain. Neiyi nzira, iwe hauzongoziva chete kupihwa kuti kuriko, asi iwe uchaona kuti kune akawanda akawanda mabhangi kupfuura iwe aunogona kuziva nekuti anonzwikwa zvakanyanya, iwo makuru kana ivo vanoto shambadza zvakawanda.
Kunyanya, isu tinotaura nezve zvinotevera:
A & G Yakavanzika Banking
- Abanca Banking Corporation
- ActiveBank
- Archie
- Kurume bhenji
- Pueyo Bank
- BBVA
- Caixa Geral Bank
- Iyo Caminos Bank
- Cetelem Bank
- Spanish Cooperative Bank
- Bhangi reAlbacete
- Banco de Caja de España kudyara Salamanca uye Soria
- Bank of Castilla- La Mancha
- Iyo Cooperative Yemagariro Kiredhiti Bhengi
- Deposit bank
- Custodian bank BBVA
- Bhangi reMadrid
- Banco Sabadell
- European Mari Bhangi
- Iyo Finantia Sofinloc Bank
- Industrial bhangi reBilbao
- Inversis Bank
- Iyo Mare Nostrum Bank
- Mediolanum Bank
- Western Bank
- Mufundisi Bank
- Banco Pichincha Spain
- Spanish People's Bank
- Santander Bank
- Urquijo Bank
- bancofar
- Bancopopular-e
- banknotes
- Bankia
- Bankinter
- bankoa
- bantierra
- BBVA mari yekubhangi
- caixabank
- Ontinyent mari yekuchengetedza bhangi uye MP
- Catalonia Bank (Catalonia Caixa)
- cecabank
- Colonya-Caixa d'estalvis de Pollensa
- Deixa Sabadell
- EBN Bhizinesi Bhizinesi
- Evo Bank
- Ibercaja Bank
- kutxabank
- Liberbank
- Nyowani Microbank
- novanca
- open bank
- Yakakurumbira yakazvimiririra kubhengi
- promobank
- Gara 4 Bhangi
- sa nostra
- Santander Mutengi Mari
- Santander Invesment
- Santander Kuchengetedzwa Services
- Kuzvitengesa Bhangi
- targo bank
- Unicaja Bank
- Unoe bhangi
Masangano ekunze ekubhengi anoshanda muSpain
Mune ino kesi, uye kana iwe usingade chero bhangi riripo muSpain, kana iwe uri bhizinesi munhu anofamba nyika, iwe unogona kunge uri nani kuve account mubhengi rekunze kana repasi rese. MuSpain une mhando mbiri: kune rumwe rutivi, idzo dzine mahofisi muSpain uye dzinoshanda munyika, irwo runyorwa rwatiri kuzokupa pazasi; kune rimwe divi, une mamwe mabhangi anoshanda asina hofisi yakasimbiswa, asi zviite zvakadaro.
Rondedzero yemabhangi ekune dzimwe nyika anoshanda muSpain anotevera:
- AKF Bank GMBH & Co KG
- Yese Funds Bank
- Andbank Spain
- Arab bank
- AresBank
- Alcala Bank
- National Labor Bank
- Pichincha Bank
- Banque Marocaine Commerce Kunze
- BNP Paribas
- Citibank
- Cortal Makamuri
- German Bank
- ICBC Luxembourg
- IN Direct
- Novobank
- Chakavanzika cheBhangi
- RBC Investor Services
- Scania bank
- Triodes Bank
- UBS Bank
- Volkswagen