Isimo seBhange
I-akhawunti yokuhlola ibhange ingaba nesici sokuzulazula ngokuzenzakalelayo esenza imali ifike ku-akhawunti ephakeme yokukhokhela idiphozi (ngezinye izikhathi ibizwa ngokuthi ibhange i-akhawunti yemakethe yemali, nakuba ingafani ncamashi nengxowa yemali yemakethe yendabuko ehlinzekwa yizinkampani zomxhaso zakwa-joint and brokerage amafemu) lapho ibhalansi ihamba ngaphezu kwezinga elinikeziwe, elilodwa elibekwe yibhange noma elikhethwe yi-deposit. Ukwengeza, isici esingahle singase siphinde sisebenze ngokuphambene, sithuthele izimali ezivela e-akhawuntini ekhokhelwayo ephezulu kuze kube yi-akhawunti yokuhlola lapho ibhalansi yokugcina ishaye ngaphansi kwezinga elibekiwe.
Ukuthengiswa Kwesikhashana
Ngaphakathi kwamafemu okuthengiswa kwemfihlo, i-akhawunti yemali yendabuko ayikhokhisi intshisekelo ngemali yokulinganisa imali, ukukhuthaza amaklayenti angabathengisi abakhuthele ukugcina izilinganiso ezinjenge-zero. Ukwehlisa iklayenti kanye nomeluleki wezezimali ukuphazamiseka kanye nezindleko ezihambisana nokukhishwa kwezimali zangasese (ikakhulukazi uma iklayenti kufanele inikwe isheke lokufaka kwenye indawo, njengesikhwama) i-akhawunti ngokuvamile iyingxenye yokuzikhethela.
Ukwengeza, isakhiwo esiyisisekelo se-akhawunti ephakathi ye-asethi sihilela ukwengeza okuzenzakalelayo kwi-akhawunti yendabuko yokudayiswa kwemali, kanye nezinye izici.
Izilinganiso zezimali ziqoqa ngokuvamile ku-akhawunti yokuthengisa ye-securities njengomphumela we:
- Ukuthengiswa kokuthengiswa kwamasheya
- Imali (izabelo, intshisekelo, njll) nokusabalalisa kusuka ekutshalweni kwezimali ezigcinwe ku-akhawunti
- Izimali ezibekwe ngokulindela ukuthenga okuqinisekisiwe
Ngisho nama-akhawunti we-asethi angaphakathi abathola inzalo emalini yokulinganisela, iklayenti isengathanda ukusetha izitshalo ezizenzakalelayo. Ikakhulukazi, iklayenti ingadinga ukuba nezinzuzo kanye nesithakazelo esitholwe ku-akhawunti eyodwa njalo ihanjiswe kwenye ngenxa yezizathu ezifana nalezi:
- Ngoba i-akhawunti yesibili yilapho iklayenti ibhala ukuhlola, yenza i-ATM ihoxise futhi yenza izinkokhelo zekhadi lesikweletu, futhi imali engenayo yokutshalwa kwezimali kusukela ku-akhawunti yokuqala iyadingeka ukuze ihlanganise lezi zinkokhelo.
- I-akhawunti yokuqala ingaba i-akhawunti ye-trust lapho iklayenti, njengomphathi, inesibopho sokwenza njalo izinkokhelo zokuthola imali kumnikazi we-akhawunti yesibili.
Ukuguqulwa kwama-Akhawunti we-Brokerage Sweep
Ama-brokerage okuqala adiliza ama-akhawunti asetshenziselwa izimali zemakethe yemali njengama-akhawunti axhumene nesithakazelo. Ngokuhamba kwesikhathi, umgcinimafa wezinkampani usebenza ezinkampanini ezihamba phambili zama-brokerage wabona izinzuzo zokudala noma ukuthenga izinsizakalo zebhange (lapho zingekho khona) futhi zibhekiswe ekuthungeni ama-akhawunti anikezwa zona, kunokuba kube nemali yemakethe yemali. Ngaleyo ndlela, ikhasimende elifaka imali lingakwazi ukuhlinzeka ngemali yokusebenza, ukunciphisa isidingo sephepha lokuthengisa elibizayo noma isikweletu sesikhathi eside njengemithombo yezimali, okunye okungcono kokubili kokukweleta mahhala.
Ema-akhawuntini afana nalesi sikhathi, ukugeleza kwezimali kuhamba ngokubili ngokuzenzakalelayo. Izikhwama zithathwe ngokuzenzekelayo kwi-akhawunti ehlanganisiwe ethintekayo ezithinta inzalo uma kudingeka njengenkokhelo yokuthengwa kwamasheya, ukuhlola, kanye nekhadi lesikweletu-ikhadi lokukhishwa kwekhadi le-ATM.
Eziningi zezinkampani zokulondeka ezibhekele phambili ziye zatholakala ngamabhange amakhulu noma zihlelwe kabusha njengezinkampani eziphethe ibhange ngokwabo njengendlela yokufanelekela izimali zokukhokhelwa kwe-TARP ekupheleni konyaka wezimali we-2008. Lokhu sekusheshise ukuqhuma okubhekise ekubhekisweni kwe-akhawunti yebhange ehlinzekwa endlini.
Ukuphulwa kombhalo
Ngokumangalisayo, futhi ngokungenakuqondakala, ngisho nezinkampani ezihamba phambili zama-brokerage firms ziye zahluleka ukuhlela amakhono okwehla okuzenzakalelayo kwezabelo kanye nesithakazelo phakathi kwama-akhawunti. Esikhundleni salokho, ukungena kwamaphephandaba ukudala lezi zikhukhula ngokuvamile kubalwa futhi kufakwe ngesandla ngabasebenzi bokuthengisa , ngokuvamile abasizi ukuthengisa , ekupheleni kwenyanga ngayinye.
Njengoba kunikezwe ukuthi okuzenzakalelayo (okungukuthi, okuhleliwe) ukuvuselelwa kwezahlulelo kumasheya angeziwe esitokisini noma izimali ezihlangene sekuye kwaphela amashumi eminyaka, lokhu kungabikho kokusebenza okuyisisekelo okuphawuleka kakhulu. Esikhundleni salokho, ama-akhawunti e-brokerage asetshenziswe ngokuzenzakalelayo asetshenziswe ngokuzenzakalelayo ajwayele ukuvalelwa ekubekeni inani lamadola asetshenziswe njalo ngenyanga.