Ingxelo kufuneka kunikwa efanelekileyo isihloko
Kwi-amashishini, bank i-akhawunti idla wagcina imali ezinkozo incwadi - njengokuba inxenye ezintathu umhlathi imali incwadi, oko kukuthi bank i-akhawunti kwi-imali incwadi kuthethwa u-bank imihlathi kwi omabini ezimbini umhlathi okanye ezintathu umhlathi imali ncwadiKubalulekile made phezulu everyday, kwaye sifuna ubungqina kuyo yonke iqinisekisa efunyenwe sibaxolela abanamatyala kuthi kwaye zonke iqinisekisa ekhutshwe zethu creditors okanye abanikezeli. Siya kanjalo kuba eziliqela contra amangeno nyanga nganye, ukushicilela eninzi imali ihlawulwe kwi-okanye imali ngokulinganayo! ngaphandle xa kufuneka kuba sebenzisa kulo mcimbi. Ekupheleni kwenyanga, imali incwadi (bank umhlathi) balanced kwaye isiphumo ufumana i-bank ungqinelwano (njengoko kuchaziwe imali incwadi). Njalo imali incwadi (bank imihlathi) ukuxelela kuthi, yintoni bethu ukulingana kunye bank kwindlela ethile umhla. I-bank kanjalo ugcina imbali yethu bank i-akhawunti kunye isihloko 'depositor ngu-akhawunti' kwaye ingene zethu i-akhawunti everyday yintoni ahlawulwe kwaye yintoni uyalingana ngaphandle.
Ekupheleni na usuku, bank iya ngochulumanco sixelele zethu bank ungqinelwano (njengoko kuchaziwe bank imbali).
Ingxelo waba ezilungiselelwe kwi- disemba
Ngoko ke u-reciprocal ii-akhawunti kugcinwa khona oko kukuthi bank i-akhawunti (bank umhlathi kwi-imali incwadi) iincwadi zetestamente depositor kwaye depositor ke kwi-akhawunti iincwadi zetestamente bank. I-esingangezelelwanga eziboniswe yi-u-akhawunti (bank i-akhawunti kwaye depositor ke i-akhawunti), kufuneka no ngenxa xa bank i-akhawunti debited, depositors i-akhawunti credited yi-bank kwaye usekela kamongameli kwelinye icala. Ngamanye amaxesha, endaweni liqonga okokuba incwadi kwi-depositor, ngexesha elithile, amathuba okuphumla, idla ngenyanga, bank ithumela ngamnye depositor 'bank ingxelo', ngokucacileyo ngu imbali ekuqaleni ukulingana, nayiphi na yandisa uze nciphisa ukuba kufuneka yenzekile ukususela edlulileyo nengxelo iphelisa echaza le depositor ngu-akhawunti kunye bank. I-okokuba incwadi kwaye bank ingxelo ukukhonza enye injongo ukuba depositor. Ingxelo iqhele ezilungiselelwe ekupheleni inyanga okanye unyaka, ngoko ke isihloko iya kunikwa kwi-ndlela zilandelayo: Bank uxolelwaniso ingxelo zibe waqala kunye mhlawumbi imali incwadi echaza okanye okokuba incwadi echaza. Ukuba kunzima waqala kunye imali incwadi echaza, kuya kugqitywa kunye okokuba incwadi echaza ukuba kubalulekile waqala kunye okokuba incwadi echaza, kuya kugqitywa kunye imali incwadi echaza. I-yenza ka-njl ingaba wongeza kunye okanye deducted ukususela ekuqaleni ungqinelwano ukufumana echaza le enye incwadi. Idla imali incwadi ibonisa itsalwa echaza - (a favorable ungqinelwano kuba depositor) kwaye okokuba incwadi ibonisa credit echaza - (a favorable ungqinelwano kuba depositor). I-bank uxolelwaniso statement a ingxelo ebonisa wenza ka-njl phakathi imali incwadi echaza kwaye okokuba incwadi echaza kwi-umhla othile, ngoko ke, xa elungiselela oko kuphela ezo zinto kufuneka uqwalaselwe oko kubangela njl phezulu ukuze ethile, umhla. Umzekelo, ukukhangela $, babethunyiwe ukuba bank kuba uqokelelo kwi th kweyomnga, ngaphandle kwezi $, baba yesebe eqokelelweyo kwaye credited yi-bank ukuya kwi-st kweyomnga. I-yesebe eqokelelweyo iqinisekisa baba kuphela $, kwaye un-yesebe eqokelelweyo iqinisekisa baba $ apho wenza njl phakathi ezimbini esingangezelelwanga, ngoko ke iindlela zokukhangela $ (ekubeni hayi yesebe eqokelelweyo) ababebizwa kwathathelwa ingqalelo kuphela xa ulungisa bank uxolelwaniso ingxelo. Ukususela zilandelayo, lungisa bank uxolelwaniso ingxelo ye-Umnu N njengoko kwi st disemba.
