deducting ngongole

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Ngati muyang'ana mabanki lero, ali ndi zida zambiri. Maofesi kapena ndalama zothandizira ngongole, chifukwa cha zinsinsi kapena malo ogulitsa katundu. Tsopano ndizotheka kuti ma dipatimenti kapena mabungwewa amafunikira ngongole, mwachitsanzo kuti asanamangire ndalama. Malingana ndi malamulo, banki ikhoza kupereka ngongole kwa madokotala ndi ana ake omwe, omwe onse amatchedwa apa deducting ngongole, Izi zimatchedwanso kudula ngongole kudziko lachuma.

Ichi ndi ngongole yobwezera

Ngongole yobwereka ndi mawonekedwe apadera a ngongole. Ngati banki ikupereka ngongole kwa kasitomala lerolino, ndalama za ngongole zimachotsedwa kumbali ya banki ndipo sizingatheke ku ngongole kusasiyana kapena pa tsamba la banki. Izi ndizosiyana ndi ngongole yobwereketsa, popeza malamulo okhwima awa akukhudzana ndi chiyambi cha ndalama ndi kusungira. Mwachitsanzo, ngongole yotereyi iyenera kuyendetsedwa ndi mabungwe a banki osati ndalama za banki. Wogulitsa amatha monga chuma chamakono ndizovuta. Pachifukwa ichi, ngongoleyi imasankhidwa ndi kuchotsedwa chifukwa nthawi zonse iyenera kuchotsedwa. Kuchotsedwa kwa kuchuluka ngongole Inde, zikutanthawuza kuti sizingowonjezera kuti ndalama zomwe zilipo zachepetsedwa koma, ndithudi, zowonjezereka zowonjezera. Monga tanenera kale, malamulowa akugwiritsidwa ntchito ku madipatimenti athu ndi mabungwe othandiza. Izi sizitsiriza. Mulamulo, mbali yaikulu ya mawonekedwe apadera ndi ngongole ya "pafupi-ima". Munthu akhoza kuthandizidwa kwambiri, mwachitsanzo, ngati banki ikupereka ngongole kwa membala woyang'anira, wogwira ntchito kapena wogwira ntchito. Apanso, mawonekedwe apaderawa angaperekedwe kokha ndi ngongole ndipo palibe ngongole monga ndi makasitomala abwino.

Kufotokozera zofuna za ngongole yobwereketsa

Ngati banki tsopano ikufuna kupereka ngongole yachitsulo kwa munthu wapafupi, dipatimenti kapena wothandizira, ikhoza, koma iyenera kuilengeza. Iyenera kupereka ngongole iliyonse yochotsera ku Federal Financial Supervisory Authority (BaFin). Udindo umene uli pansi pa lamulo la Banking Bank ndi lochokera ku ndalama. Monga tanenera kale, ngongole imeneyi iyenera kuyendetsedwa ndi mabanki okhaokha. Koma izi sizingakhale vuto kwa banki malinga ndi kukula kwake. Mfundo yakuti banki siili yophweka ngati kukhala ndi chiwerengero ndikuti banki iliyonse iyenera kukhala ndi zosachepera. Zambirizi zimayenera kudalira banki ndi kukula kwake. Chinthu chimodzi, komabe, ndi chofunikira pankhani yokhudzana ndi chuma, siziyenera kusoweka. Kulengeza ngongoleyi ku Federal Financial Supervisory Authority iyenera kuphatikizapo deta yonse, monga ndalama ya ngongole, komanso chiwongoladzanja cha kubwezera, nthawi yobwezera, chiwerengero cha ophunzira komanso chogwirira ntchito. Pano pali kachidutswa kakang'ono, ngakhale banki ikubwereka ngongole ku dipatimenti kapena wothandizira kapena munthu wapafupi, sizingatheke popanda chikole. Kuopsa kwa kusakhulupirika kwa ngongoleyi kuyenera kukhala kochepa. Malinga ndi kuchuluka kwa ngongole ndi ndalama zomwe zilipo, BaFin akhoza kuthandizanso kuti asamangongole ngongole, makamaka ngati izi zili ndi zotsatira zoipa.

mlingo: 4.5/ 5. Kuchokera pazithunzi za 2.
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