Ukubhankisha kwi-UAE

Ixesha elihlaziyiweyo: 08 Jan, 2019, 19:12 (UTC+08:00)

I-UAE ineebhanki zasekhaya ezingama-23 kunye neebhanki zangaphandle ezingama-28. La maziko emali, ngothungelwano lwamasebe awo kunye namaziko eenkonzo ezihambelana nawo, ahlangabezana neemfuno zezemali zabemi be-UAE abamalunga nezigidi ezisi-8.2. Ngaphandle kweebhanki eziqhelekileyo, i-UAE ikwabonelela ngebhanki yamaSilamsi eye yabona ukukhula okumangalisayo kule minyaka idlulileyo. Zonke iibhanki zibonelela ngoMatshini wokuThetha oMatshini oziMeleyo ('ATM') osebenza kwinkqubo ye'Tshintsho 'esembindini. Umthengi webhanki ethile, ke, angasebenzisa nayiphi na iATM yebhanki enye ukwenza intengiselwano zebhanki. Kwimeko yokuququzelela imisebenzi yebhanki, i-UAE Central Bank ithathe amanyathelo athile kwaye yakhupha inani lemiyalelo ngo-2011 yokulawula iimali mboleko kunye nezinye iinkonzo ezinikezelwa kubantu, ukuphunyezwa kwe-IBAN, ukumisela amalungiselelo kwimali mboleko njl.ngasemva kwezi imithetho emitsha yecandelo leebhanki, i-UAE ikwindawo engcono yemozulu eyothusayo kunye nemimoya ebhudla emhlabeni eya kuthi incede iibhanki ukuba boyise ngokuthe ngcembe umgangatho weasethi kunye nemiba yokuvezwa kwemali mboleko.

Iindidi zeakhawunti

Iindidi zeakhawunti eziqhelekileyo ezinikezelwa ziibhanki ze-UAE zezi zilandelayo:

Iiakhawunti zemali yelinye ilizwe zinokubanjwa ngabahlali ngaphakathi nangaphandle. Iiakhawunti kwimali yasekhaya (i-AED) zinokugcinwa kwiibhanki zasekhaya ezihambelana namazwe aphesheya kwaye ziguqulwe ngokukhululekileyo zibe yimali yamanye amazwe.
Iiakhawunti zebhanki ezingahlaliyo ze-UAE ezichazwe kwimali yasekhaya (i-AED) ziyavunyelwa e-UAE, njengoko kunjalo kwiiakhawunti zemali yelinye ilizwe engezo zebhanki ezingahlaliyo kunye neenkampani zezemali, ezamashishini kunye nezorhwebo. Iiakhawunti ezingahlaliyo kwimali yasekhaya (i-AED) ziguqulwa simahla zibe yimali yamanye amazwe.
Inzala inikwa ngokubanzi kwiiakhawunti zokonga kunye neeakhawunti zedipozithi yexesha.

Ngaphandle kweebhanki eziqhelekileyo, i-UAE ikwabonelela ngebhanki yamaSilamsi ethe yabona ukukhula okumangalisayo kule minyaka idlulileyo.

Chwetheza	Iimbonakalo
Iiakhawunti zokonga	Intlawulo kunye nokudluliswa-Uninzi lwee-asethi ezingamanzi
Iiakhawunti zangoku	Ukutshekishwa kwentlawulo yemihla ngemihla (izixhobo ezingaphezulu kwexesha ezikhoyo ziyafumaneka ngokuma kwetyala)
Iidipozithi zexesha	Ukubuya okuzinzileyo ngenqanaba lenzala ephezulu ngokuthelekisa, uluhlu olubanzi lweemali kunye nokuqeshisa

Igunya leBhanki

Ibhanki esembindini ye-UAE ligunya lolawulo lwebhanki elizweni kwaye olona xanduva lwayo kukumiliselwa nokuphunyezwa kwemigaqo-nkqubo yeebhanki, yamatyala kunye neyezemali. Imali ye-UAE, iAir Emirate Dirham, ikhonkxiwe kwiDola yaseMelika ngenqanaba elimiselweyo le-AED3.673: iUS $ 1. Ukongeza, iGunya leeNkonzo zezeMali laseDubai ('i-DFSA') ligunya lokulawula amaziko kubandakanya iibhanki, iibhanki zotyalo-mali, abaphathi beeasethi esekwe kwindawo yasimahla, iZiko lezeMali laseDubai ('DIFC'). I-DIFC yindawo yezemali kunye neyeshishini edibanisa imarike ezikhulayo zoMbindi Mpuma kunye neemarike eziphuhlileyo zaseYurophu, eAsia naseMelika. Ukusukela oko yasungulwa ngo-2004, iDIFC, indawo eyakhelwe ngabom yezemali, izinikele ekukhuthazeni ukukhula kwezoqoqosho kunye nophuhliso kwingingqi ngokusebenzisa iziseko zophuhliso lwezezimali kunye neshishini, nto leyo eyenza ukuba ibe yindawo ekhethwayo kumashishini eeNkonzo zezeMali aqinisekisa ubukho ummandla.

Ukufikelela kwinkxaso-mali yalapha ekhaya (umz.

Ukunikwa kwamatyala kumthengi kuyahluka ngokwemo yokuthenga ngetyala yomthengi, kunye nomnqweno wekhredithi kwiibhanki. Zininzi izinto eziqwalaselwa yibhanki ngaphambi kokunikezelwa kwamatyala, kubandakanya oku kulandelayo:

Uhlobo lomsebenzi weshishini;
Ubume bezomthetho bokusekwa;
Imbali yeshishini yokusekwa kwi-UAE;
Ubume bezemali kunye nethemba elizayo lokusekwa; kwaye
Ulawulo. Amaxwebhu aphambili afunwa ziibhanki ukuze kuvulwe iiakhawunti zezi zilandelayo:
Ikopi yelayisensi yokuthengisa esebenzayo okanye isatifikethi sokufakwa;
Ikopi yamandla egqwetha okanye isigqibo seBhodi;
Iikopi zepaspoti, kubandakanya iimvume zokuhlala, zabantu abaphambili; kwaye
Ikopi yegumbi elifanelekileyo lesatifikethi sobhaliso lwezorhwebo (ikakhulu kwiinkampani ezinamatyala athile kunye namasebe ezinkampani zangaphandle).