Ukushintshanisa imali kusebenza kanjani ngempela
Bhala inani, khetha izimali ezimbili, futhi uthole inombolo. Kulula kanjalo. Kodwa inombolo isixhumanisi sethu sokushintshanisa imali ekukhombisayo iyingxenye yendaba kuphela, futhi ukwazi olunye uhlangothi kungakonga imali yangempela ngesikhathi esilandelayo lapho uhamba noma uthenga phesheya. Leli thuluzi lishintshanisa phakathi kwezimali ezicishe zibe ngu-166 zomhlaba futhi likhombisa ithebula lezinga lokushintshanisa elisaphila elakhelwe emanani wesizinda le-mid-market avuselelwa njalo. Yindawo yokubheka ukuthi imali yakhona ithengwa ngokungakanani manje, hhayi indawo yokuthenga noma ukuthengisa imali ngempela.
Ake sicubungule ukuthi lelo zinga lisho ukuthini, kungani lishintsha isikhathi ngesikhathi, kanye nokuthi kungani inombolo esikrinini sakho ingavamile ukufana nalokho ibhange lakho likunikeza khona.
Kungani izinga lokushintshanisa liyaguquguquka
Iningi lezimali eziphambili zomhlaba lintanta ngokukhululekile, okusho ukuthi inani lazo limiswa umnikelo nesidingo emakethe yomhlaba yokushintshanisa imali. Uma abantu abaningi befuna imali kunalabo abayithengisayo, inani liyakhuphuka. Uma wonke umuntu ezama ukuyikhipha, inani liyehla. Yileyo ngxenye elula, kodwa amandla amaningi adonsa umnikelo nesidingo ngesikhathi esisodwa.
Amabhange amaphambili ngamanye amaphambili kunazo zonke. Uma ibhange eliphambili likhuphula amazinga enzalo, ukubamba imali yaleyo naliyo iholele kakhulu, ngakho abatshalizimali bangaphandle bathenga ukuze balandele inzuzo ephezulu. Isidingo siyakhuphuka, futhi imali ivamise ukuqina. Yehlisa amazinga, futhi okuphambeneyo kuvamise ukwenzeka. Amaqoqo ezimpahla nawo abalulekile: izwe elithumela ngaphandle okuningi kunalokho elithengayo lithola isidingo esimile semali yalo, ngenkathi izikweletu zokuthenga ezinkulu zingehlisa imali. Faka phezu kwalokho ukukhuphuka kwamanani, isikweletu sikahulumeni, izinto ezimangalisayo zezombusazwe, kanye nesimo esejwayelekile semakethe, futhi uthola inombolo engahlali indawo eyodwa. Amaningi wokunyakaza avela ekulindeleni kanye nedatha eqinile. Uma abahwebi becabanga ukuthi ukwehliswa kwamazinga kuyeza, bavamise ukunyakaza ngaphambi kokumenyezelwa.
Yini izinga le-mid-market
Inombolo esiyikhombisayo izinga le-mid-market, elibizwa nangokuthi izinga le-interbank, izinga le-spot, noma izinga lokoqobo nje. Cabanga ngemakethe yomhlaba: noma nini, amabhange azimisele ukuthenga imali ngenani elilodwa nokuyithengisa ngenani eliphezulu kancane. Iphakathi phakathi kwalawo manani amabili yizinga le-mid-market. Yisithombe esiqotho kakhulu salokho imali yodwa iyibiza kwenye, futhi kuyizinga elifanayo obona i-Google, i-Reuters, noma noma isiphi isixhumanisi esethenjiwe.
Nakhu okuwuzwelo, futhi kumangaza abantu abaningi: awukwazi ukwenza isithengiselo ngezinga le-mid-market ngempela. Iphuzu lokubheka, hhayi umnikelo. Amabhange nezinsizakalo zemali ziqala kulelo zinga eliqondile, bese zilishintsha kancane ngaphandle kokubonakala zibheke inzuzo yazo ngaphambi kokuxhumana nawe.
Kungani izinga lebhange lakho lihlukile
Lokho kushintsha kubizwa umkhawulo (spread) noma inzuzo, futhi yindlela abahlinzeki abenza ngayo imali ngokushintshanisa. Ibhange lingase likutshele ukuthi ukudlulisela "kumahhala" noma likukhokhise imali encane elula, kodwa izindleko zangempela zivamise ukufakwa ngokucashile ezingeni. Akukho mugqa oshoyo "umkhawulo wenzuzo yezinga lokushintshanisa" kureceipt yakho, yingakho kulula kangaka ukungakuboni. Kubona umehluko kuphela lapho uqhathanisa lokho okukhokhile nezinga le-mid-market ngemuva kwesikhathi.
Sikhulu kangakanani leso khala? Kuncike ukuthi ushintshanisa kuphi. Ibhange evamile lengeza cishe amaphesenti angu-2 kuya kwangu-3. Amaposi okushintshanisa esikhungweni sezindiza namaposi asezindaweni zohambo kubi kakhulu, ngokuvamile engeza amaphesenti angu-8 kuya kwangu-10 noma ngaphezulu, ngoba bayazi ukuthi awunaso isikhathi noma izinketho. Ngakho izinga olibonayo kusixhumanisi nezinga olitholayo ekhawuntini kuzinto ezimbili ezehlukene, futhi leyo khala inzuzo yomhlinzeki.
Ukusebenzisa lesi sixhumanisi
Ukusebenzisa ithuluzi kusheshe. Khetha imali oshintshanisa kuyo, leyo oshintshanisela kuyo, futhi ufake inani. Umphumela uvuselelwa ngokwezinga le-mid-market lakamuva, futhi ithebula lamazinga ngezansi likuvumela ukubona ukuthi imali eyodwa imiswe kanjani kuqhathaniswa nezinye eziningi ngokubheka okukodwa. Phatha umphumela njengesisekelo esithembekile sokuhlela imali, ukuqhathanisa amanani, noma ukuhlola izinga onikwe lona. Uma isitolo noma inkonzo yokudlulisela ikunikeza izinga elibi kakhulu kunalokho okubonayo lapha, lowo mehluko yiwo umkhawulo, futhi manje uyazi ukuwubuza.
Amasu abahambi nabathengi ku-inthanethi
Imikhuba embalwa igcina imali eyengeziwe epokothweni yakho. Uma ukhokha ngekhadi phesheya futhi itheminali ibuza ukuthi ufuna ukukhokhiswa ngemali yakwakho, thi cha bese ukhetha imali yasendaweni. Leyo nketho "esizayo" i-dynamic currency conversion, futhi ngokuvamile yengeza amaphesenti angu-3 kuya kwangu-4. Ukukhipha imali ku-ATM yebhange emuva kokufika kuvamise ukukunikeza izinga eliseduze ne-interbank, kungcono kakhulu kunokushintshanisa imali esikhungweni sezindiza. Uma ushintshanisa imali yangempela, iyodela ebhange lakho isonto noma amabili ngaphambi kokuhamba kunokuyithatha esangweni.
Kokuthenga ku-inthanethi, hlola intengo yomthengisi ngemali yakhona bese uyishintshanisa uwedwa lapha ngaphambi kokuthenga, ukuze isamba esikhangayo esithi "ngemali yakho" ekukhokheni singafihli umkhawulo. Ikhadi lokuhamba elingenayo imali yezithengiselo zangaphandle liyasiza nalo. Futhi uma unentshisekelo yokuqhathanisa izimpahla ze-digital, i-thuluzi lethu lokulandelela amanani we-crypto lisebenza ngomqondo ofanayo wenani lesibonelo eliphilayo. Udinga ukuhlukanisa iresidi noma ukubala iphesenti kwenye imali? I-khalikuletha ihambisana kahle nalesi sixhumanisi.
Iqiniso eliqavile: izinga le-mid-market iyona nqubomgomo yeqiniso ngokuthi imali ibiza kangakanani. Konke okungaphezu kwalo yimali yothile. Kwazi kangakanani ngaleyo khala, kokungcono uzoyithola.
Imibuzo evame ukubuzwa
Yini izinga le-mid-market?
Iphakathi phakathi kwenani lokuthenga nokuthengisa imali emakethe yomhlaba, ngaphandle kwezindleko noma umkhawulo owengeziwe. Ebizwa nangokuthi izinga le-interbank noma le-spot, iyisibonelo esiqotho kakhulu salokho imali eyodwa ibiza kwenye, futhi yilokho lesi sixhumanisi esikukhombisayo.
Kungani izinga lebhange lami lihlukile kunelengibona lapha?
Amabhange nezinsizakalo zokushintshanisa ziqala ezingeni le-mid-market, bese zengeza umkhawulo obizwa i-spread ngaphambi kokuxhumana nawe. Lowo mkhawulo yindlela ezizuza ngayo, futhi ufakwe ezingeni esikhundleni sokukhonjiswa njengendleko ehlukene, ngakho kulula ukungakuboni.
Ingabe ngingashintshanisa imali ngempela ngezinga elikhonjisiwe?
Cha. Izinga lapha isibonelo senjongo yolwazi kuphela. Uma ushintshanisa ngempela, umhlinzeki usebenzisa umkhawulo, ngakho izinga olitholayo lizoba lincane kunalo. Sebenzisa leli thuluzi ukuhlela nokuhlola ukuthi umkhawulo mkhulu kangakanani.
Kungani amazinga okushintshanisa eshintsha njalo?
Izimali ezintantayo zimiswa umnikelo nesidingo, okushintsha njalo ngamazinga enzalo yamabhange amaphambili, imikhawulo yokuthenga, ukukhuphuka kwamanani, izindaba zezombusazwe, kanye nokulindela kwemakethe. Imakethe ithengisa ngaphandle kokuma, ngakho izinga liyisithombe esinyakazayo.
Ngingashintshanisa imali esikhungweni sezindiza?
Ngokuvamile cha. Amaposi okushintshanisa esikhungweni sezindiza namaposi asezindaweni zohambo avamise ukwengeza amaphesenti angu-8 kuya kwangu-10 noma ngaphezulu. I-ATM yebhange emuva kokufika, noma ukudela imali ebhangeni lakho ngaphambi kwesikhathi, ngokuvamile kunikeza izinga elingcono kakhulu.
Yini i-dynamic currency conversion futhi ngingayamukela?
Yilapho itheminali yekhadi lasesizweni ihlinzeka ukukukhokhisa ngemali yakwakho esikhundleni saleyo yasendaweni. Kuzwakala kulula kodwa ngokuvamile kwengeza amaphesenti angu-3 kuya kwangu-4. Njalo khetha ukukhokha ngemali yasendaweni ukuze uthole izinga elingcono.