Izindaba ezinhle ngesikhwama somshwalense wokuvikela imali esebhange, kuloba uJabulani Sikhakhane
UMSHWALENSE wokuvikela izimali ezibekwe ebhange uzoqala ngo-Ephreli kulo nyaka. Lo mshwalense uzokhokhela obeke imali ebhange isamba esingevile kuR100 000 uma kwenzeka ibhange liqumbeka phansi.
Loku akusho ukuthi uma ubeke uR5 000 ebhange usuzohlomula uR100 000. Uzothola loku obukubekile ngaphambi kokuthi ibhange liwe, kuphela nje uma isamba singeke sidlule kuR100 000 ikhasimende ngalinye.
Umuntu onama-akhawunti amaningi ehlukene ebhange ngeke abuyiselwa izamba ezihlukene kwi-akhawunti ngayinye. Isamba ayobuyiselwa sona sihlanganiswe kulo R100 000.
Okubalulekile lapha wukuthi imali ezovikelwa yilesi sikhwama yileyo ebekwe kuma-akhawuntu njengeyokonga neyi-cheque. Eyokutshala imali, njengokuthenga amasheya ezinkampani nje, ngeke ivikelwe yilesikhwama.
Umehluko ngokutshala imali wukuthi akunasiqiniseko sokuthi oyitshalile uzoyithola yonke imali ayifakile. Utshala imali yakhe ngoba enethemba lokuthi izokwanda uma ukutshala kuhambe kahle.
Ngakolunye uhlangothi, obeke imali ebhange ulindele ukubuyiselwa yonke imali ayibekile ebhange nenzalo yayo.
Okwesibili, umuntu onebhizinisi elizimele lakhe yedwa, phecelezi i-sole trader, bese ebeka imali ebhange ngokwegama lakhe uyovikelwa kabili. Loku kusho ukuthi ibhizinisi lakhe naye bayobuyiselwa isamba esingeke sidlule kuR100 000 nge-akhawunti ngayinye.
Nokho kubalulekile lapha ukuthi ibhange licacelwe wumehluko phakathi kokusetshenziswa kwalama-akhawunti. Ngamanye amazwi omuntu ovame ukuzitapela kwi-akhawunti yebhizinisi ayothenga izikhindi zangaphansi angase azithole esenkingeni uma ibhange lingathi leyo-akhawunti akuyona eyebhizinisi.
Njengoba sike sachaza kwenye ingosi, sibalulekile lesi sikhwama ngoba amabhange asebenza ngokuqoqa imali emakhasimendeni bese eyibolekisa, okuwumsebenzi oncike ethembeni amakhasimende analo lokuthi azoyithola imali yawo uma eseyidinga. Ukuvikelwa kwawo ngalolu hlobo lomshwalense kulindeleke ukuthi kukhuphule lelo themba.
Ngaphambi kokusungulwa kwalesi sikhwama somshwalense imali yokunxephezela ababeka imali ebhange ibikhishwa wumNyango wezeziMali uma ibhange labo liwile.
Le ndlela endala ibidinga ukuthi iBhange loMbuso lixhumane nongqongqoshe wezeziMali ukuze lithole imvume yakhe ukubuyisa imali. Siyazi-ke ukuthi uhulumeni awunamali kepha uyiqoqa kubakhokhintela. Nemali oyiboleka ezimakethe zemali igcina ibuyiswe ngabakhokhintela.
Le ndlela yakudala ibiyenza ababeka imali bengacacelwanga zisuka ukuthi ingakanani imali yabo abazobuyiselwa yona uma ibhange liqumbeka phansi.
Ngaphansi kwalolu hlelo olusha, amabhange yiwona azokhokhela isikhwama somshwalense.
Okwesibili, isamba semali esivikelwe wumshwalense sizokwaziwa.
Okwesithathu, uhlelo lokubuyiselwa imali luzocaciswa zisuka. Isikhwama somshwalense sizohlale sithola ebhange eliyilungu yonke imininingwane ngekhasimende.
Amabhange angamalungu alesi sikhwama azosebenzisana naso ukwazisa amakhasimende ukuthi ayobuyiselwa malini, nini, kanjani uma ibhange liwa.
Nokho lesi sikhwama sisho ukuthi amabhange kuzomele ahlale enemininingwane emisha ngamakhasimende. Namakhasimende kuzofanele aqaphele ukuthi azisa ibhange ngokushesha ngoshintsho emininingwaneni, ikakhulukazi ephathele nezindlela zokuxhumana nekhasimende.
Ukusungula isikhwama somshwalense kulandela uhlelo lweminyaka oluholwa wumNyango wezeziMali lokubuyekeza ukusebenza kwemboni yezimali ezweni, phakathi kwayo okubalwa amabhange nezinkampani zomshwalense. Lo mnyango usebenzisana neBhange loMbuso neFinancial Sector Conduct Authority.
Lesi sikhwama somshwalense, phecelezi i-Corporation for Deposit Insurance (CODI), siyinkonyane leBhange loMbuso kodwa sinebhodi nomphathi waso. Nokho sizoncika eBhange loMbuso ngezinsizakusebenza ezinjengokutshala imali.
Kuzokhumbuleka ukuthi lesi sikhwama sizothola inkokhelo emabhange angamalungu, okuyimali okumele sizame ukuyandisa ukuze sikwazi ukubhekana nezindleko, ikakhulukazi eziphathelene nokunxephezela abaninimali ebhange.
Zonke izikhwama zemishwalense zisebenza ngale ndlela. Ziqoqa inkokhelo kubathengi bomshwalense bese ziyandisa ngokuyitshala ezimakethe zezimali.
Maningi amazwe analolu hlobo lwesikhwama somshwalense esivikela ababeka imali ebhange.
EMelika, izwe elithuthukile kanti futhi okuyilo elikhulu emhlabeni ngokomnotho, livikela ikhasimende lebhange ngalinye ngesamba esiwu$250 000 (uR4.7 million). Nokho maningi namanye angenazo lezi zikhwama. Amanye akubeka kucace ukuthi umNyango wezeziMali ngeke ungenelele ukunxephezela abantu abalahlekelwa yimali uma kuwa ibhange.
Okubalulekile ngalesi sikhwama wukuthi ngeke kuthathe isikhathi eside ukuthi ababeke imali babuyiselwe uma ibhange liwa.
Kubalulekile ukuphawula lapha ukuthi imali yesinxephezelo ngeke idlule kuR100 000. Loku kusho ukuthi uma ububeke uR200 000 ebhange eliwile, uzothola uhhafu kuphela.
Lesi sinqumo sihambisa nendlela lezi zikhwama ezisebenza ngayo nakwamanye amazwe.
Zimbili izizathu zaloku. Esokuqala, izindleko emabhange zokuthenga lo mshwalense. Uma imali yesinxephezelo inyuswa kusho ukunyuka kwemali okufanele ikhokhwe ngamabhange ukuthenga umshwalense, okungagcina ngokuthi amanye amabhange angabimagange ngalesi sikhwama.
Esesibili, inhloso yalesi sikhwama wukuvikela abantu abahola kancane. Izifundiswa nabadla izambane likapondo bathathwa ngokuthi banolwazi olugcwele ngokusebenza nesimo semboni yezimali, okumele balusebenzise ukukhetha ibhange elisimeme, okuwulwazi olungandile kubantu abahola kancane.
Lesi sikhwama sizosebenzisa ubuchwepheshe ukuqoqa imininingwane ngamakhasimende amabhange angamalungu aso. Le mininingwane izosetshenziswa ukubala ukuthi ibhange kumele likhokhele lesi sikhwama malini ukuthenga umshwalense, okuyisikali esizoncika kakhulu enanini lamakhasimende ibhange elinawo.
Le ngosi ayikwazi ukuchaza konke ngokusebenza kwalesi sikhwama somshwalense. Odinga eminye imininingwane ngalesi sikhwama, angabuza ebhange lakhe noma abhalele ku: CODI@resbank.co.za noma avakashele ku-https://www.resbank.co.za/en/home/what-we-do/Deposit-insurance
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