Yiqiniso, ukukhuluma ngebhange kunzima kakhulu. Omunye wemisebenzi ebaluleke kunazo zonke ebhange yilowo ophethe isikweletu , obuyekeza izinhlelo zokusebenza zemali mboleko futhi unquma ukuthi uzobanikeza futhi, uma kunjalo, yiziphi izimiso.
Amabhange amakhulu nawo ahlinzeka ngemithombo eningi ekuhlaziyeni ngesikweletu, athuthukisa izindlela zokuqagela kanye nezinhlelo zokuhlola ukuthi ingabe umboleki othile angalungile (okungukuthi, uhluleka ukukhokha imali). Ngakho-ke, abantu abanemvelaphi enamandla kakhulu bavame ukufunwa emabhange amakhulu. Kubantu abaqondiswe ekuthengiseni nasezinsizakalweni zamakhasimende, amabhange amakhulu nawo abe nabaphathi bomphakathi abahlangabezana nezidingo zamakhasimende abo abaluleke kakhulu.
Imisebenzi yezokuhweba yeBusiness Personal Banking
Ibhange lokuhweba ligxile kumaklayenti ezamabhizinisi, kokubili njengababoleki kanye nabakhokhelo. Ngakolunye uhlangothi, amabhange okulondoloza, agxila kuphela kumakhasimende ahlanganisa abantu, hhayi amabhizinisi. Kodwa-ke, ngokuhamba kwesikhathi, imigqa ibhekene ncamashi. Amabhange amakhulu ezohwebo ngokuvamile azoba nomthengi obalulekile (owaziwa nangokuthi ungumthengisi) imisebenzi yebhange. Ngokuphambene nalokho, akusebenzi njalo: amabhange okulondoloza avame ukuzivimbela ekusebenzeni ngabanye.
Amathuba emisebenzi
Ngokuvamile, amabhange ezentengiselwano, ngenxa yobukhulu bawo obukhulu, athambekele ekunikezeni amathuba amaningi emisebenzi, ikakhulukazi abasebenzi basezingeni lokungena.
Amathrendi Emagatsheni Amabhange: Amathrendi emabhange asegatsha anezimpikiswano ezinkulu emisebenzini, ikakhulukazi kubatshela amabhange . Imboni yasebhange ihamba njalo ihamba ngamagatsha okuvula, ilandelwa ngokuvala, bese uyivula futhi.
Ngokusho kwe-SNL Financial (njengoba kucashunwe "ku-HSBC kuya ku-Scale Back Global Reach," i-Wall Street Journal , ngo-5/12/2011), amagatsha asebhange aphelele ase-US:
- 96,412 ngo-2002
- 107,382 ngo-2009
- 106,088 ngo-2010
Noma kunjalo, umbiko ka-2015 we-CNBC, ukucaphuna idatha ye- FDIC , ubonisa ukuthi ngonyaka ka-2014 wabona inombolo enkulu kakhulu yokuvinjwa kwegatsha emlandweni, ukuletha amagatsha angama-US angaphezu kuka-86,000. Lokho kusho, kufanele kuqaphele ukuthi izitayela zemakethe zendawo ziyahlukahluka. E-Manhattan, isibonelo, amabhange amakhulu ayengeza amagatsha.
Njengoba i-pendulum yamagatsha asebhange aqhubekela phambili, njalo i-pendulum yamathuba okuqashwa kwabasebenzi begatsha, njengababikezeli kanye nabaphathi begatsha, kanye nabasebenzi basehhovisi emuva abasekela ukusebenza kwegatsha.
Ezinye Izigaba ezihlobene: Ungase ufune ukubuka umtapo wethu wezincwadi eziningi kakhulu kulezi ezinye izici zemisebenzi yezezimali :
- Umsebenzi wezezimali kanye namaphrofayli kaJobe
- Abaqashi Abaqashi Ngezezimali
- Imfundo, Ukuqeqesha kanye nezitifiketi zemisebenzi yezezimali
- Indlela Yokuphatha Umsebenzi Wakho
- Khokha Imisebenzi Yezezimali