Kushicilelwe · Ndebele (South)

Ukuvula i-akhawunti yebhange yebhizinisi e-China

Umhlahlandlela osebenzayo wabavuli bamabhizinisi bangaphandle abafuna ukuvula i-akhawunti yebhange yebhizinisi e-China: izidingo, uhlelo lokusebenza, ukukhetha ibhange, kanye namaphutha okufanele uwagweme. Ulwazi olujwayelekile kuphela, hhayi iseluleko sezomthetho noma sentela.

Uma usungenelele ukusungula ibhizinisi lakho e-China, enye yezinto ezibalulekile okufanele uzixazulule i-akhawunti yebhange yebhizinisi. Ngaphandle kwayo, awukwazi ukukhokhela abasebenzi, ukuthola imali evela kumakhasimende, noma ukukhokha intela. Lesi sihloko sichaza okujwayelekile mayelana nokuqala le nqubo. Sicela uqaphele: lolu ulwazi olujwayelekile kuphela, hhayi iseluleko sezomthetho noma sentela. Njalo thola iseluleko kumeluleki wezomthetho noma uchwepheshe wezimali ngaphambi kokuthatha izinqumo.

Kungani ibhange lomuntu siqu lingasanele

Abanye abavuli bamabhizinisi bangaphandle bacabanga ukuthi bangasebenzisa i-akhawunti yabo yomuntu siqu ukwenza ibhizinisi. Lokhu akuvamile ukusebenza e-China. Izinkampani kufanele zibe ne-akhawunti yebhizinisi eyenziwe egameni lenkampani, futhi izimali zebhizinisi kufanele zehlukaniswe nezezimali zomuntu siqu. Ukuxuba izimali kungadala izinkinga ezinkulu kwezokubalwa kwezimali, intela, kanye nokuhambisana nemithetho. Ngakho-ke, hlela ukuthola i-akhawunti yebhizinisi ngokushesha ngemva kokuba inkampani yakho isibhalisiwe futhi ithole izincwadi zayo ezisemthethweni.

Izidingo eziyisisekelo

Nakuba amabhange ahlukene, imithetho yendawo, kanye nezinhlobo zezinkampani kungashintsha izidingo, lezi zilandelayo zivame ukudingeka:

• Isitifiketi sokubhaliswa kwenkampani (business licence) esikhishwe ngugunyaziwe wezentengiselwano wendawo.
• Isigxina senkampani noma isitifiketi sokuhlala kwenkampani.
• Imininingwane yabaphathi abakhulu kanye nabameli abagunyaziwe, kuhlanganise namapasi abo.
• Isigxina somuntu ogunyaziwe noma umuntu ozomela inkampani ekwaziseni ibhange.
• Isithombe sebhange esihambisana nesigxina senkampani, uma kudingeka.
• Uhlu lwabantu abagunyaziwe abangayisa imiyalo ebhange.
• Idokhumenti yokugunyaza (board resolution noma isinqumo sabanikazi) esichaza ukuthi ubani unegunya lokuqala i-akhawunti.

Amabhange amaningi futhi azocela ubufakazi bokuthi inkampani inendawo yokwenza ibhizinisi, njengekontileka yokuqashisa indawo noma incwadi yomnikazi wendawo. Ezinye izikhathi kudingeka izithombe zendawo yokwenza ibhizinisi. Lokhu kuyingxenye yezinyathelo zokulwa nokushushumbisa imali kanye nokwazi ikhasimende lakho (KYC).

Ukukhetha ibhange

Ungakhethi ibhange ngaphandle kokucabanga. Cabanga lezi zinto:

• Ulimi nemisebenzi yebhange: amanye amabhange anamagatsha akwazi ukusebenzisa isiNgisi, kanti amanye awakwazi. Uma ithimba lakho lingakhulumi isiMandarin, lokhu kubalulekile.
• Izindleko nemali yokugcina ibhalansi: amabhange ahlukene anezindleko ezahlukene zokuqala i-akhawunti, imali yanyanga zonke, kanye nemali yokugcina ibhalansi. Buza ngazo zonke izindleko ngaphambi kokusayina.
• Ukwamukela imali yangaphandle: uma inkampani yakho izothola imali kubakhasimende bangaphandle, qinisekisa ukuthi ibhange lisekela ukwamukela imali yangaphandle kanye nokuguqulwa kwemali.
• Ukuvulwa kwe-akhawunti yemali yangaphandle: izinkampani eziningi zidinga i-akhawunti yemali yasekhaya kanye neyemali yangaphandle. Buza ukuthi ibhange linikeza yomibili.
• Isikhathi sokulinda: ezinye izikhathi ukuvulwa kwe-akhawunti kuthatha amasonto ambalwa ngenxa yezinyathelo zokuqinisekisa. Ziba nesineke futhi ulungiselele ngaphambi kwesikhathi.
• Indawo: ukukhetha ibhange eliseduze nendawo yokwenza ibhizinisi lakho kungasiza ekuxazululeni izinkinga ngokushesha.

Uhlelo lokusebenza

Nakuba amabhange ehlukene, uhlelo luvamile lulandelana kanje:

1. Lungiselela amadokhumenti

Qoqa wonke amadokhumenti adingekayo, kuhlanganise nalawo akhulunywe ngenhla. Qinisekisa ukuthi amapasi nabanye abantu bagcwele isikhathi. Amadokhumenti amaningi kufanele abe nguwoqobo noma aqinisekiswe.

2. Xhumana nebhange

Vakashela igatsha noma uxhumane nomphathi wamabhizinisi. Chaza ukuthi ufuna ukuvula i-akhawunti yenkampani entsha. Buza ngohlu lwamadokhumenti adingekayo ngoba kungahluka. Ezinye izikhathi ibhange lingakudinga ukuthi ubhukishe isikhathi.

3. Yazisa inkampani

Umuntu ogunyaziwe kufanele eze ngamadokhumenti oqobo. Ibhange lizobhala isithombe sakho, liqinisekise ubunikazi bakho, futhi lingabuza imibuzo mayelana nebhizinisi lakho, imali engenayo, kanye nabakhasimende. Lokhu kuyingxenye yezinyathelo ze-KYC. Phendula ngokuthembeka futhi ngokugcwele.

4. Sayina izivumelwano

Uzosayina izivumelwano zebhange, kuhlanganise nemibandela yokuqala i-akhawunti. Funda ngokucophelela, ikakhulukazi imibandela yezindleko kanye nemithetho yokusebenzisa i-akhawunti.

5. Yenza imali yokuqala

Amabhange amaningi adinga imali yokuqala noma imali yokugcina ibhalansi. Qinisekisa ukuthi unayo imali elungile futhi uyazi ukuthi izofakwa kanjani.

6. Thola imininingwane ye-akhawunti

Ngemva kokuqinisekisa, ibhange lizokunikeza inombolo ye-akhawunti kanye nemininingwane yokuxhumana. Qinisekisa ukuthi imininingwane yenkampani ihambisana ncamashi naleyo esemadokhumentini akho.

Amaphutha okufanele uwagweme

• Ukulinda kuze kube sekugcineni: qala inqubo ngokushesha ngemva kokubhaliswa kwenkampani. Ukulinda kungabambezela ukukhokha abasebenzi noma ukuthola imali.
• Ukunganaki amadokhumenti: amadokhumenti angewona awokuqala noma anamagama angahambisani angabangela ukulibaziseka okukhulu.
• Ukungaqondi izindleko: buza ngazo zonke izindleko, kuhlanganise nemali yanyanga zonke, imali yokugcina ibhalansi, kanye nezindleko zokudlulisa imali.
• Ukusebenzisa i-akhawunti yomuntu siqu: hlukanisa izimali zebhizinisi nezezimali zomuntu siqu ngaso sonke isikhathi.
• Ukunganaki ukuhambisana nemithetho: gcina amarekhodi amahle futhi uphendule ngokushesha uma ibhange licela ulwazi olwengeziwe.

Isiphetho

Ukuvula i-akhawunti yebhange yebhizinisi e-China kuyisinyathelo esibalulekile futhi esingagwemeki. Kudinga ukulungiselela kahle, ukubekezela, nokuhambisana nemithetho yebhange. Qala ngokuxhumana nebhange lakho osukhethile ukuze uthole uhlu lwamadokhumenti adingekayo, bese ulungiselela ngaphambi kwesikhathi. Uma unombuzo mayelana nesimo sakho esithile, thola iseluleko kumeluleki wezomthetho noma uchwepheshe wezimali. Lolu lwazi lujwayelekile kuphela futhi alusho ukuthi yonke into izohamba ngale ndlela kuyo yonke indawo noma kuzo zonke izikhathi.