Namhlanje, phantse wonke umntu uneakhawunti yebhanki. Oku kunxulunyaniswe nebhanki, okanye ibhanki, inoxanduva lokuqinisekisa ukuba iakhawunti yakho ikhuselekile kwaye nemali ekuyo iyaqhubeka ukuba unayo kuyo nayiphi na into oyifunayo.
Nangona kunjalo, Yintoni enye oyaziyo ngebhanki? Ngaba uyazi iindidi ezahlukeneyo zezinto? Okanye zonke iinkonzo abanokubonelela ngazo? Oko, nokunye okuninzi, yinto esiza kuthetha ngayo ngokulandelayo.
Yintoni iqumrhu lebhanki
Iziko lebhanki laziwa ngcono ngegama eliqhelekileyo, ibhanki, nangona isenokuba namanye amagama anje ngeziko lokuthenga ngetyala okanye iziko lokugcina imali. Yi Inkampani yezemali ejongene nokunikezela ngeenkonzo zezemali kubaxhasi, ezinje ngemalimboleko, iikhredithi ... Kananjalo nokukhathalela ukugcina imali ebekwe kubo ikhuselekile kubathengi.
Iinjongo zebhanki kukulawula imali yabathengi ngendlela ethi iyisebenzise ukuyiboleka abanye.
Wenza ntoni umbutho webhanki
Ukuthetha ngokuthetha, ibhanki ineentlobo ezimbini zemisebenzi:
- Imisebenzi yoxanduva. Ehambelana nokuqokelela imali ebantwini okanye kumaziko, kwiinkampani, kwimibutho, njl.
- Ukusebenza kweeasethi. Kwaye baphethe ngokubolekisa loo mali bayithimbele umntu wesithathu, uhlala ekwixabiso eliphezulu, ukufumana inzuzo yokwenza oko kuthengiselana kwaye, nangenxa yomngcipheko abawuqhubayo.
Imisebenzi yoxanduva
Ukuba siphula imisebenzi yamatyala ebhanki, uya kubona ukuba ibhekisa ekutsaleni abathengi kwaye, kunye nabo, nezixhobo. Eli nqanaba kulapho iiakhawunti zebhanki, iiakhawunti zokonga, amakhadi ebhanki, iidipozithi zexesha elide zingena ...
Ngamanye amagama, sithetha ngabo Iinkonzo ezinikezelwa kubathengi ezibandakanya ukushiya isixa esithile semali esifakwe ebhankini. Oku kuya kuhlala kufumaneka kubathengi, abanokuthi bayirhoxise nanini na befuna. Kodwa, okwangoku, yinxalenye yemali ebhankini ekufuneka iboleke umntu wesithathu imali (leyo iya kuba yimisebenzi esebenzayo).
Ukusebenza kweeasethi
Njengoko sele sithethile, ibhekisa ku- imisebenzi enxulumene nemboleko yemali. Oko kukuthi, bazama ukuhambisa imali ngokuboleka abanye abantu kwaye bafumane uthotho lwezibonelelo ngokwenza njalo.
Kule ndlela yokusebenza, umzekelo, iikhredithi kunye nemigca yetyala, iimali-mboleko, izinto ezibambekayo ... Kunye nabo, into abayenzayo kukuba banike imali kuye nabani na oyifunayo ngenjongo yokufumana inzala ehlawulwe ngulowo ufuna loo mali, yintoni Ibhanki ngokwayo iyayifumana ngokulawula le nkqubo kwaye ithathe umngcipheko ukuze loo mntu abuyise imali ayifumeneyo.
Iindidi zamashishini ebhanki
Ngoku masizazi iintlobo ezahlukeneyo zezinto zebhanki. Kwaye, nangona ungakholelwa, Iibhanki njengoko uzazi ayizizo zodwa eziwela ngaphakathi kwale mbono, kodwa kuninzi ngakumbi.
Ke, unokufumana oku kulandelayo:
Ukuthengisa ngebhanki
Olu hlobo lwebhanki lolona luxhaphakileyo, kwaye lowo wazi kakuhle. Ngapha koko, umvuzo wakho, ipenshoni, okanye umvuzo uphelela kwiakhawunti yebhanki enjalo. La ngamaziko apho abathengi ngabantu babucala.
Ngokukodwa, kunjalo ezo bhanki apho unokuvula iakhawunti yebhanki, ucele imali-mboleko okanye iikhredithi, njl. Basebenza kuphela kubantu abathile, nangona kukho iinkonzo zabasebenzi abazimeleyo kunye neenkampani (nangona le yokugqibela ihlala ikhetha olunye uhlobo lwebhanki).
Ukubhankisha inkampani
Kule meko, kwaye njengoko besesikuxelele ngaphambili, luhlobo lwe into yebhanki egxile kwiinkampani. Nangona banokuba neenkonzo ezifanayo njengasebhankini yokuthengisa, banenye ikhathalogu yeenkonzo ezinxulumene neenkampani ezinje ngerholo, ugqithiso oluninzi, iPOS ebonakalayo yokuthengisa kwi-Intanethi, njl.
Ngamanye amagama, yonke into efunwa ziinkampani ebhankini ukuze ikwazi ukuqhuba nokwenza intengiselwano, nokuba ngabaxhasi bayo okanye ngabasebenzi bayo.
Ukugcina imali yabucala
Ukubhankisha kwangasese kuyinxalenye yeebhanki zentengiso. Nangona kunjalo, igxile kwinxalenye ethe ngqo: abo bantu banobutyebi obukhulu okanye ubutyebi. Kule meko sinokuthi ziibhanki ezinikezela unyango olukhethekileyo kubaxumi bazo abazizityebi, kwaye, ngenxa yoko, bayazinyamekela.
Iinkonzo abazinikezela kubathengi zinokufana nakubantu kodwa, ngenxa yokuba "bakhethekileyo", banikezela ngezinye iintlobo zeemeko ezimnandi neziluncedo kubo, nokuba ngaba ziikomishini ezincinci, ngenzuzo enkulu, njl.
Utyalo-mali ebhankini
Ikwaziwa ngokuba yibhanki yeshishini, yile nto ujongene nokusebenzela amaziko asemthethweni kunye nolawulo kwiimfuno abanazo, ngakumbi ezinxulumene notyalo-mali. Umzekelo, ukudityaniswa, ukufunyanwa, utyalomali kwamanye amashishini, njl.
Izinto zebhanki eSpain
Ngoku ukuba uyazi ngcono ukuba yintoni na ibhanki kwaye ngakumbi iintlobo kunye nento eyenziweyo kuzo, lixesha lokuba wazi Zeziphi iibhanki ezikhoyo eSpain. Ngale ndlela, awuyi kwazi nje kuphela into ekhoyo, kodwa uya kubona ukuba zininzi iibhanki kunokuba unokwazi kuba ziviwa kakhulu, zinkulu okanye zibhengeza kakhulu.
Ngokukodwa, sithetha ngezi zinto zilandelayo:
I-A & G yeBhanki yabucala
- Inkampani yeAbanca Banking
- ActiveBank
- Archie
- Matshi ibhentshi
- UBanca Pueyo
- BBVA
- ICaixa Geral Bank
- Ibhanki yaseCaminos
- Ibhanki yaseCetelem
- IBhanki yokuBambisana yaseSpain
- Ibhanki yaseAlbacete
- Banco de Caja de España utyalomali eSalamanca naseSoria
- Ibhanki yaseCastilla- La Mancha
- IBhanki yokuSebenza yeNtengo ngeNtengo
- Ibhanki yedipozithi
- Ibhanki yokugcina i-BBVA
- Ibhanki yaseMadrid
- Banco Sabadell
- Ibhanki yezeMali yaseYurophu
- Ibhanki yaseFinantia Sofinloc
- Ibhanki yezorhwebo yaseBilbao
- Ibhanki ye-Inversis
- Ibhanki yaseMare Nostrum
- KwiBhanolanum Bank
- IBhanki yaseNtshona
- IBhanki Yomfundisi
- IBanco Pichincha eSpain
- Ibhanki yabantu baseSpain
- Ibhanki yaseSantander
- Ibhanki yaseUrquijo
- I-Bancofar
- I-Bancopopular-e
- imali engamaphepha
- Bankia
- Bankinter
- I-Bankoa
- EBantierra
- IBhanki yezeMali ye-BBVA
- ICaixabank
- Ibhanki yokonga engafunekiyo kunye ne-MP
- ICatalunya Banc (iCatalunya Caixa)
- ICecabank
- IColonya-Caixa d'estalvis de Pollensa
- UDeexa Sabadell
- Ibhanki yeBhanki ye-EBN
- Ibhanki ye-Evo
- Ibhanki yaseIbercaja
- kuxabank
- Liberbank
- Microbank entsha
- I-Novanca
- Ibhanki evulekileyo
- Ibhanki yabucala edumileyo
- Unyuselo
- Irente 4 yeBhanki
- NguNostra
- IMali yabathengi yeSantander
- Intsingiselo yeSantander
- IiNkonzo zoKhuseleko lweSantander
- IBhanki yoRhwebo
- targo bank
- Unicaja Bank
- Ibhanki ye-Unoe
Izinto zebhanki zamanye amazwe ezisebenza eSpain
Kule meko, kwaye ukuba awuyithandi nayiphi na into ebhankini eSpain, okanye ungusomashishini ohambahamba emhlabeni, kunokuba kubhetele ukuba ube unayo. iakhawunti kwibhanki yelinye ilizwe okanye yamanye amazwe. E-Spain uneentlobo ezimbini: kwelinye icala, ezo zineeofisi eSpain kwaye zisebenza elizweni, lolu luhlu esiza kukunika lona ngezantsi; Kwelinye icala, uneebhanki ezininzi ezisebenza ngaphandle kweofisi esekwe, kodwa wenze oko phantse.
Uluhlu lwezinto zebhanki zamanye amazwe ezisebenza eSpain zezi zilandelayo:
- I-AKF yeBhanki iGMBH kunye neC
- Zonke iinkonzo ze-intanethi
- Andbank eSpain
- IBhanki yaseArabhu
- Ibhanki yaseAres
- IAlcala Bank
- IBanca Nationale de Lavoro
- I-Pichincha Bank
- I-Banque Marocaine yoRhwebo ngaphandle
- BNP Paribas
- Citibank
- Abazala beCortal
- German Bank
- ICBC Luxembourg
- ING ngqo
- I-Novobank
- Isidima seBhanki yabucala
- IiNkonzo zeRBC Investor
- Ibhanki yaseScania
- Ibhanki iTriodos
- Ibhanki ye-UBS
- Volkswagen