Ukubhanga e-UAE

Isikhathi esibuyekeziwe: 08 Jan, 2019, 19:12 (UTC+08:00)

I-UAE inamabhange endawo angama-23 namabhange angaphandle angama-28. Lezi zikhungo zezezimali, ngokusebenzisa amanethiwekhi wazo wegatsha nezikhungo zensizakalo ezihambisanayo, zihlangabezana nezidingo zezezimali zabantu base-UAE ezibalelwa ezigidini eziyi-8.2. Ngaphandle kokubhanga okuvamile, i-UAE iphinde inikeze ngamabhange amaSulumane abone ukukhula okukhulu eminyakeni yamuva. Wonke amabhange ahlinzeka ngezinsiza ze-Automated Teller Machine ('ATM') ezisebenza ohlelweni oluphakathi 'lwe-switch'. Ikhasimende lebhange elithile, ngakho-ke, lingasebenzisa noma iyiphi i-ATM yelinye ibhange ukwenza ukuthengiselana kwebhange. Ngokwesimo sokuhlela imisebenzi yasebhange, i-UAE Central Bank ithathe izinyathelo ezithile futhi yakhipha iziqondiso eziningi ngo-2011 zokulawula imali mboleko nezinye izinsizakalo ezinikezwa Abantu, ukuqaliswa kwe-IBAN, ukulawula izinhlinzeko zemalimboleko njll Ngemuva kwalokhu imithetho emisha yomkhakha wamabhange, i-UAE isesimweni esingcono sokubhekana nezimo ezishaqisayo neziphepho zomhlaba ezizosiza amabhange ukuthi anqobe kancane kancane izingqinamba zekhwalithi yempahla kanye nezinkinga zokuvezwa kwemali mboleko.

Ukubhanga e-UAE

Izinhlobo ze-akhawunti

Izinhlobo ze-akhawunti ezivame kakhulu ezinikezwa ngamabhange e-UAE zimi kanje:

Ama-akhawunti emali yakwamanye amazwe angabanjwa ngabahlali kuleli nakwamanye amazwe. Ama-akhawunti emali yasekhaya (i-AED) angagcinwa ezinkampanini zaphesheya zamabhange asekhaya futhi aguqulwa ngokukhululeka abe yimali yakwamanye amazwe.
Ama-akhawunti asebhange angahlali e- UAE akhishwe ngemali yasekhaya (i-AED) avunyelwe e-UAE, njengama-akhawunti ezimali zakwamanye amazwe okungezamabhange angahlali nezinkampani zezezimali, zezimboni nezezohwebo. Ama-akhawunti angewona abahlali emalini yasekhaya (AED) aguqulwa ngokukhululekile abe yimali yakwamanye amazwe.
Inzalo ivame ukunikezwa kuma-akhawunti okonga nakuma-akhawunti wediphozi yesikhathi.

Ngaphandle kokubhanga okuvamile, i-UAE iphinde inikeze ngamabhange amaSulumane okufakazele ukukhula okukhulu eminyakeni yamuva.

Thayipha	Izici
Ama-akhawunti wokonga	Ukukhokha nokudluliswa - Izimpahla eziningi ezingamanzi
Ama-akhawunti wamanje	Amasheke wezinkokhelo zansuku zonke (izisetshenziswa ezingaphezulu kokubhalwa kwemali ezitholakalayo kuye ngokuma kwesikweletu)
Imali yesikhathi	Ukubuyela okungaguquki ngamanani wenzalo aphezulu ngokuqhathaniswa, izinhlobo ezahlukahlukene zezimali kanye ne-tenors

Isiphathimandla Sezamabhange

ICentral Bank ye-UAE yisiphathimandla esilawula amabhange ezweni futhi isibopho saso esiyinhloko wukwenza nokusetshenziswa kwezinqubomgomo zamabhange, ezezikweletu nezemali. Imali ye-UAE, i-Arab Emirate Dirham, ikhonjwe kwiDola laseMelika ngesilinganiso esinqunyiwe se-AED3.673: US $ 1. Ngokwengeziwe, i-Dubai Financial Services Authority ('DFSA') yisiphathimandla esilawulayo sezinhlangano ezibandakanya amabhange, amabhange otshalo-mali, abaphathi bempahla abasungulwe endaweni yamahhala, iDubai International Financial Center ('DIFC'). I-DIFC iyisizinda sezezimali nesamabhizinisi esixhumanisa izimakethe ezivelayo zesifunda saseMpumalanga Ephakathi nezimakethe ezithuthukile zaseYurophu, e-Asia naseMelika. Kusukela yethulwa ngo-2004, i-DIFC, okuyindawo eyakhelwe ngenhloso yezezimali, izibophezele ekukhuthazeni ukukhula komnotho nentuthuko esifundeni ngokusebenzisa ingqalasizinda yayo eqinile yezezimali neyebhizinisi, okuyenza ibe yindawo yokuzikhethela kumafemu ezinsizakalo zezezimali aqala ukuba khona isifunda.

Ukutholakala kwezimali zendawo (isb. Ukubolekiswa kwendawo)

Ukunikeza ikhasimende izikhungo zokuthenga ngesikweleti kuyehluka kuye ngokuma kwesikweletu sekhasimende, kanye nesifiso semali yamabhange. Kunezinto eziningana ezibhekwa yibhange ngaphambi kokunikezwa kwezikhungo zezikweletu, kufaka phakathi okulandelayo:

Uhlobo lomsebenzi webhizinisi;
Isimo sezomthetho sokusungulwa;
Umlando webhizinisi lokusungulwa e-UAE;
Isimo sezezimali namathemba esikhathi esizayo okusungulwa; futhi
Ukuphathwa. Imibhalo esemqoka edingwa ngamabhange ukuze ivule ama-akhawunti imi kanje:
Ikhophi lelayisense yokuhweba evumelekile noma isitifiketi sokufakwa;
Ikhophi lamandla wommeli noma isinqumo seBhodi;
Amakhophi ephasiphothi, kufaka phakathi izimvume zokuhlala, zabantu ababalulekile; futhi
Ikhophi lesitifiketi esivumelekile sokubhaliswa kwezentengiselwano (ikakhulukazi ezinkampanini ezinesikweletu esilinganiselwe kanye namagatsha ezinkampani zakwamanye amazwe).

Funda kabanzi

I-United Arab Emirates (UAE)

Mayelana NATHI

Sihlala siziqhenya ngokuba ngumhlinzeki wezinsizakalo zezezimali nezinkampani ezimakethe ezimakethe zomhlaba wonke. Sinikeza inani elincono nelincintisana kakhulu kuwe njengamakhasimende anenani eligugu lokuguqula izinhloso zakho zibe yisixazululo ngohlelo lokusebenza olucacile. Isixazululo Sethu, Impumelelo Yakho.