Kubanki ku UAE

UAE ili ndi mabanki am'deralo 23 ndi mabanki akunja 28. Mabungwe azachuma awa, kudzera m'mabungwe awo a nthambi ndi malo othandizira, amathandizira zosowa zachuma za anthu a UAE pafupifupi 8.2 miliyoni. Kuphatikiza pa kubanki kwachizolowezi, UAE imaperekanso banki yachisilamu yomwe yawonjezeka kwambiri m'zaka zaposachedwa. Mabanki onse amapereka makina a Automated Teller Machine ('ATM') omwe amagwiritsa ntchito 'switch' yapakati. Makasitomala a banki inayake amatha kugwiritsa ntchito ATM ina iliyonse kubanki pochita zochitika kubanki. Pankhani yokonza zochitika kubanki, UAE Central Bank yatenga njira zina ndikupereka malangizo angapo mu 2011 oyang'anira ngongole ndi ntchito zina zoperekedwa kwa Anthu, kukhazikitsa IBAN, kuwongolera ngongole zanyumba etc. Kumbuyo kwa izi malamulo atsopano azamabanki, UAE ili m'malo abwino oti athane ndi zovuta zina zapadziko lonse zomwe zingathandize mabanki kuthana ndi mavuto azachuma komanso mavuto okhudzana ndi ngongole.

Mitundu yamaakaunti

Mitundu yodziwika bwino yamaakaunti yoperekedwa ndi mabanki a UAE ndi iyi:

• Maakaunti azachuma akunja atha kusungidwa ndi nzika zakunyumba komanso akunja. Maakaunti ama ndalama zanyumba (AED) atha kusungidwa m'mabungwe akunja akunja omwe amakhala kunja kwawo ndipo amasinthidwa kukhala ndalama zakunja.
• Maakaunti osakhala kubanki a UAE omwe amakhala ndi ndalama zapakhomo (AED) amaloledwa ku UAE, monganso maakaunti azachuma akunja a mabanki omwe sanakhalemo komanso makampani azachuma, mafakitale ndi amalonda. Maakaunti omwe siomwe amakhala ndalama zakunyumba (AED) amasinthidwa kukhala ndalama zakunja.
• Chiwongola dzanja chimaperekedwa kumaakaunti osunga ndi maakaunti osungitsa nthawi.

Kuphatikiza pa kubanki kwachizolowezi, UAE imaperekanso mabanki achisilamu omwe awona kukula kwakukulu m'zaka zaposachedwa.

Ulamuliro wa Banki

Central Bank of the UAE ndiye oyang'anira mabanki mdziko muno ndipo udindo wawo waukulu ndikupanga ndikukhazikitsa mabanki, ngongole ndi mfundo zandalama. Ndalama za UAE, Arab Emirate Dirham, yakhomeredwa ku United States Dollar pamlingo wokhazikika wa AED3.673: US $ 1. Kuphatikiza apo, Dubai Financial Services Authority ('DFSA') ndiye oyang'anira mabungwe omwe akuphatikizapo mabanki, mabanki azachuma, oyang'anira katundu omwe akhazikitsidwa mdera laulere, Dubai International Financial Center ('DIFC'). DIFC ndiye malo azachuma komanso mabizinesi omwe amalumikiza misika yomwe ikubwera kumene ku Middle East ndi misika yotukuka ya Europe, Asia ndi America. Chiyambireni kukhazikitsidwa ku 2004, DIFC, malo omangidwa mwadala opanda ndalama, yadzipereka kulimbikitsa kukula kwachuma ndi chitukuko mderali kudzera muzomangamanga zachuma komanso zamabizinesi, zomwe zimapangitsa kukhala kosankha kwamakampani a Financial Services omwe akhazikitsa dera.

Kufikira ndalama zapakhomo (mwachitsanzo, kubwereketsa kwanuko)

Kupereka ngongole kwa kasitomala kumasiyanasiyana malinga ndi momwe makasitomala amakhalira ndi ngongole, komanso chidwi chobwereka kubanki. Zinthu zingapo zimawerengedwa ndi banki asanavomereze ngongole, kuphatikiza izi:

• Chikhalidwe cha bizinesi;
• Udindo walamulo pakukhazikitsidwa;
• Kukhazikika kwa mbiri yamabizinesi ku UAE;
• Udindo wazachuma komanso chiyembekezo chamtsogolo chakhazikitsidwe; ndipo
• Kuwongolera. Zolemba zazikulu zofunika kubanki kuti athe kutsegula maakaunti ndi awa:
• Kapepala ka chilolezo chovomerezeka kapena satifiketi yophatikizira;
• Kope lamphamvu ya loya kapena chisankho cha Board;
• Makope a pasipoti, kuphatikiza zilolezo zokhalamo, za anthu ofunikira; ndipo
• Chikho chovomerezeka cha satifiketi yolembetsa zamalonda (makamaka yamakampani omwe ali ndi zovuta zochepa ndi nthambi zamakampani akunja).

Werengani zambiri

• Misonkho ku UAE
• Kampani yakunyanja yopanga ku UAE
• Tsegulani akaunti yakubanki ku UAE