KwiNkampani yeNkcazelo ye-Offshore

Iimpendulo Zinyani ngabaqeqeshi abanolwazi

Buza imibuzo malunga nebhanki ye-offshore, ukwakheka kwenkampani, ukukhusela i-asethi kunye nezihloko ezihlobene.

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Isikhokelo seBhanki ye-Offshore | Indlela Yokuvula I-Akhawunti Enhle

KwiBhanki ye-Offshore kubandakanya ukuvula iakhawunti yebhanki ngaphandle kwelizwe ahlala kulo umntu. Abantu bavula ezi akhawunti ngenxa yezizathu ezahlukeneyo. Oku kubandakanya ukukhusela impahla yabo kwizinto zomthetho, kubabolekisi kunye nezigwebo, kunye nokonga irhafu kunye nokwandiswa kweshishini. Silihlaziya rhoqo eli nqaku. Injongo yethu kukunika isikhokelo esifanelekileyo sokuxoxa malunga nendlela, phi kwaye kutheni ukuvula i-akhawunti yebhanki ye-offshore. Sixoxa ngemithetho, iinkcazo kunye neentsingiselo. Siza kuqwalasela isiseko solwazi oluphambili kwi incwadi ye-intanethi uzakubona apha ngezantsi.

ebhankini

Iinkonzo zebhanki kwilizwe laseNtshona zikwimeko embi. Kuyinyani. Nantsi into ZeMali zeMali ithi, njengolubhalo, lweebhanki ezikhuselekileyo ze30 emhlabeni. nanye eUnited States. Unothi. Ngaphandle kwe-50 ephezulu, kuphela Ntlanu amaziko emali abekwe e-US. Ngaphezu koko, iibhanki ezine zase-US ezintlanu ezikolu luhlu ziibhanki ezincinci zokulima zengingqi. Kwakukho i-AAA ezintandathu ezikaliwe kwiibhanki zasemaphandleni. Kubathandathu, nanye zazifumaneka e-US.


Ungayivula njani i-akhawunti yebhanki engaphesheya kunye nemithetho ye-KYC.

EU.SA: Ephantsi kwiMatyala

Ycinge. I-USA lelona lizwe linamatyala amaninzi elizweni. Akukho nelinye ilizwe elisondelayo. Kumazwe amane anomthwalo wamatyala amakhulu kuzwelonke, i-US inamatyala amabini e-UK kwaye amatyeli amathathu anesiqingatha ngaphezulu kwamanani amathathu ne-France ne-Germany.

IsiTyala sakwaRhulumente

Ke, le ngxelo ingasentla yokuvula ayisiyihloko-yokufumana ingqalelo. Kuyinyani esekwe kubungqina obuqinileyo. Ngaphaya koko, kwakude kudala i-US yayinexabiso layo lokuhlawula amatyala yi-standard & Poor's, elona candelo lihlonitshwayo lokuhlawula amatyala karhulumente kwihlabathi. Abantu base-US abanayo imithetho kwilizwe labo lokuthintela i-offshore banking. Ke, ukuqala okanye ulwazi oluthe kratya zive ukhululekile ukusebenzisa ifom yokubonisana okanye ukubiza iinombolo ezikweli phepha. Okwangoku, nceda ubone isikhokelo esingezantsi.

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I-Offshore Banking Guide
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Ntsha akhawunti yeenxweme? Ngaba ufuna ukubrasha ukuqonda kwakho? Ufuna ukuvula i-akhawunti phesheya? Isikhokelo esingezantsi sisifundo. Inika ulwazi olubanzi kuzo zombini ukuqala kwaye ukomeleza ulwazi lwakho.

I-Offshore Banking Guide kunye neNcwadi yamaHhala

Isahluko 1

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Iinkcukacha ezithe xaxe

Iingxaki zeBhanki zase-US

Makhe sigxininise ngakumbi kwiinkqubo zebhanki zaseUnited States.

Banking Failures

  1. Ezinye zeetalwarts zangaphambili zebhanki e-US azifikeleli kumanqanaba okhuseleko lwebhanki. I-Bank of America Corporation, umzekelo, yayisaziswa kwangoko ukuba ayiludlulanga kuvavanyo loxinzelelo. Olu vavanyo lugqibe kwelokuba le bhanki ibiyi- $ 33.9 yezigidigidi zeedola ngokufutshane kunesithuba semali abayifunayo ukuze baqhubeke iminyaka emibini yobunzima kuqoqosho.
  2. Nokuba iarhente emele ukukhusela iibhanki zase-US, i-FDIC ngokwayo, ikufutshane. Abanayo isixa semali esithi umthetho ufuna ukuba ube naso ukuze ukhusele inkqubo yasebhange yase-US.
  3. Ngaphaya koko, iUS Federal Reserve ibaleka kumkhenkce omncinci. Umyinge we capital ubambe yi-paltry 1.24%. Ycinge. I-Lehman Brothers yayiku-3% xa yayifaka kubhengezo.
  4. Kuvavanyo lwakutshanje, bekukho i- $ 50.7 trillion yetyala elalihlawulelwa izindlu zase-US, amashishini, kunye noorhulumente. Oku kufanekisa amaxesha e-3.5 athe xhaxhe kwimveliso yekhaya iphela yaseMelika.

KwiAkhawunti yeBhanki ye-Offshore

Inkqubo yeBhanki kwiNgxaki

Yiyo loo nto kucacile ukuba i-US inenkqubo yokungabinamali engqongqo ebhatalwa yi-inshurensi exhaswa ngemali ngumbutho we-inshurensi oxhaswa ngemali ngurhulumente, oxhaswa ngabarhafi abahlawula amatyala. Ke ngoko, akufuneki sibuze, "Ngaba ukubhenka ngaphesheya kunxweme?" Endaweni yoko, kufuneka sibuze, "Ngaba ukukhusela iibhanki zase-US?"

Sinokubona ngokucacileyo, kwakhona, ukuba oku akusiyo nje i-hyperbole. Inyaniso eqinisiweyo isekelwe kwinyani emva koko. Enyanisweni, ukuthotywa ngokukrakra okukrakrayo ehlala njengelitye emgodini wesisu.

Ukhohlisiwe

Ngaba Siyinyumba?

Sabona abazali bethu besiya ebhankini, befaka imali yabo abayisebenzeleyo nzima ezibhankini, ndikholelwa ukuba iibhanki zikhuselekile. Ewe kukhuselekile, sinokucinga. Yibhanki, emva kwako konke.

Nangona kunjalo, ukujonga izibalo kwiwebhusayithi ye-FDIC, ukusuka kwi-2000 ukuya ekuqaleni kwe-2018, iibhanki ze-555 zase-US ziye zasilela. Ewe, 555. Khumbula ukuba i-FDIC ayikukhuseli iidipozithi zayo yonke imali eseleyo. Abagubungela kuphela i- $ 250,000 yokuqala. Nantoni na engaphezulu kwesixa-mali ingaya "poof" emoyeni omncinci xa ibhanki yakho isilela.

Ukhumbule iziganeko ezinobungozi eziphelelwe yintlekele kwiWashington Mutual Bank? Nguye lo inkulu yebhanki kwimbali yaseMelika. Ngenye imini iifakeli zicinga ukuba konke kulungile. Ngentsasa elandelayo, bavuka baza bafumanisa ukuba ibhanki yabo yayingekho.

Le yindlela namhlanje. Inokuba ichasene neenkolelo ezibethelelwe kuthi kwasebuncinaneni. Kodwa sonke kufuneka sivukele kwinyani entsha.

IiNkcazo zeBhanki ze-Offshore

Iinkcukacha zeBlaring zikhokelela kwi-Offshore Banking

Xa sijongana nezi nyaniso ziqaqambayo zisenza ukuba sifikelele kwisigqibo esitsha. Xa zonke ezinkulu maziko e zemali Bahlelelekile emngciphekweni, xa ubungqina bokwenyani buyasikhanyisela ngale nyaniso. Ngaba awucingi ukuba kufanelekile ukubamba okungenani ipesenti yemali yakho phesheya ekhuselekileyo?

Ndiya kucinga ngoku. Ndiyanincenga ukuba uthathe isinyathelo ukuseka i-akhawunti yehlabathi jikelele ngokukhawuleza. Sebenzisa inombolo yomnxeba or zalise ifom kweli phepha. Siye sinceda amawaka ngeemfuno zabo zebhanki. Ngaphezu koko, siye sasiza abantu ukukhusela impahla yabo kwi-1906.

Iiflegi

Indlela yokukhetha ubuGunya

Kuya kuba bubulumko ukuqwalasela imimandla ikwimeko entle yemali, noorhulumente abanoxolo kunye nokufikelela kumashishini amade. Okwenziwa ngabantu nezindlu zowiso-mthetho kubaluleke ngakumbi kunoko bakuthethayo. Ke, ukuba banodumo kuzinzo lwezezimali, oko kuhamba indlela ende xa ukhetha indawo yakho yezemali.

Yenzani Oku Kwenene Konke?

Gcina ukhumbule ukuba ukugcina imali yakho kumhlaba onxweme akubhekiselele ekukhuselweni kweerhafu kwiindawo ezinokwenziwa kweerhafu ezifana neCayman Islands okanye eHong Kong. Kukwahlukana kwempahla. I Urhulumente wase-US, umzekelo, akanandaba nokuba unayo imali kwi-offshore xa nje ubika ingeniso yakho. Ukubeka imali kwi-offshore, ngokubanzi, umcimbi ongathathi hlangothi. Ngoko ke, ayinyuli ngokubanzi okanye ukunciphisa irhafu yakho. Izigidi zabantu zineengxelo ze-offshore kwaye aziphosa iiflegi ebomvu kumagunya erhafu ukuba unayo, kwakhona.

Ngokufika Ukubhankisha kwi-Intanethi, ubuchule be-wiring kwi-Intanethi, ukubhenka kwamakhadi ngefowuni kunye namakhadi eebanki, ukubhenka elunxwemeni akulona olwahluke kakhulu kunebhanki esitalatweni. Kwaye kuqhelekile ukufumana ukuba iibhanki ezibonelela ngenzala eziphezulu, zihlala ziphezulu kakhulu kunoko kuhlawulwe ngamabhanki asekuhlaleni.

Cinga ngayo it. Iholo e-US liphezulu kakhulu xa lithelekiswa nezinye izizwe. Ramaxabiso e-eal estate aphezulu. Iirhafu ziphezulu. I-inshurensi yabasebenzi iyangena eluphahleni. Ezo ndleko zithatha i-chunk enkulu yenzuzo zebhanki e-US, e-UK, Canada ed namanye amazwe anexabiso eliphakamileyo. Ukuba Iindleko zebhanki elunxwemeni zincinci, kuya kubakho okuninzi okuseleyo ukuhlawula kuwe, depositor yabo.

Amabhanki aseMelika

Kutheni amaBhanki ase-US afihla amaNqaku

Ibhanki yakho ekuhlaleni ngokuqinisekileyo ayizukuthatha intengiso yeTV ekuxelela ukuba ungafumana imali eninzi inzala engcono. Iibhanki zangaphandle, ngaphandle kwamaphepha-mvume okubhanki asekhaya, azinakho ukuthengisa ngokusemthethweni ekuhlaleni. Ke ungayazi njani enye into? Abayi kukuxelela loo nto iibhanki ezingaselunxwemeni zomelele ngaphezulu kwebhanki ezantsi kwesitrato.

iibhanki ezinamandla

Amabhanki ase-Offshore anamandla

ISwitzerland, iJamani, iOstreliya, iSingapore, iHong Kong kunye namanye amazwe amaninzi aneebhanki ezininzi ezikhuselekileyo. Okwakho kunesithuba ngaphakathi, esekwe kumashumi eminyaka amava, kuwo amaziko asebhanki aselunxwemeni izovula iiakhawunti zabantu bamanye amazwe, ibonelele ngotyalo mali, ikhule ngemali, ineenkonzo ezifanelekileyo, kwaye kumnandi kakhulu ukusebenza nayo.

Yimali Yakho - Fumana Uncedo

Kubaluleke kakhulu ukuba nesikhokelo somntu onamava ekusekeni iiakhawunti kude nonxweme. Nayiphi na ibhanki ingazenza ibonakale intle. Kodwa ngumntu onamava kuphela - kwaye simisele amawaka iiakhawunti -Ngakuxelela ukuba zeziphi ezona zibaphatha ngokufanelekileyo abagcina abo. Emva kwayo yonke loo nto, sithetha ngemali yakho apha. Ngokuqinisekileyo, inokudla imali encinci. Ngokuqinisekileyo kuncinci kunokuba ucinga. Kodwa kungcono kunokutshabalalisa kwenye indlela yokukhetha ibhanki engalunganga.

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Iingcebiso ze-akhawunti yeBhanki ye-Offshore

Abanikezeli beakhawunti yeBhanki engaphesheya abanakulibhengeza ngokusemthethweni ulwandle. Ngapha koko, iibhanki zasekhaya ngabanikeli abakhulu bezopolitiko. Ke ngoko, kukho indibaniselwano yokunqongophala kolwazi kunye nengcaciso engeyiyo echanekileyo ejikelezwe malunga elwandle akhawunti. Ngenxa yoko, abanye abantu baneempembelelo zobuxoki ukuba akukho mthethweni - ngokuqinisekileyo akunjalo. Abanye bacinga ukuba yindlela yokugwema irhafu - akunjalo. Abanye bacinga ukuba izigwenxa zizisebenzise ngokubanzi - oku kunqabile kakhulu kuba ibhanki ingalahlekelwa ilayisenisi yayo yokwamkela imali engcolileyo.

Inyaniso kukuba, ukuba uvela e-US okanye UK, umzekelo, ukuba nje uxela umvuzo wakho wehlabathi, urhulumente unokukhathalela okuncinci. Qwalasela ukuba kukho amawaka ezigidi zeedola ezibhabha zibuyele umda kwimida yethu minyaka le. Ke, iakhawunti yakho ayisayi kwenza ripple kwi-fedar radar.

sigqibo

Ziziphi iinguKhetho?

Kukho ezinye iindlela zokhetho ezimangalisayo ezifumanekayo kumntu ofuna iakhawunti yebhanki engaphesheya. Nazi elwandle iibhanki Gxila kwi yokukhusela impahla ukusuka kwezomthetho. Ezinye iibhanki zigxila kwabo bafuna i-akhawunti ephezulu yokushishina ngee-akhawunti. Abanye basebenza ngokukhethekileyo Lawulo lwemali kubatyali mali. Kukho iibhanki ezinxweme Ukuthengiswa kwempahla ye-intanethi ephantsi kubathengisi bakho. Ezinye zifuna idipozithi encinci, njenge- $ 2000 US. Abanye babambelela kwintengiso enexabiso eliphezulu kwaye bafuna idipozithi ebalulekileyo, xa uvula i-akhawunti yebhanki, ye- $ 250,000 US okanye nangaphezulu.

Abanye bakhokhela inzala ephezulu ngaphezu kweebhanki zasekhaya, ngenxa yezakhiwo eziphantsi kweendleko. Abanye bahlawula amaxabiso afana neemakethi zasekhaya. Ezinye iindawo ezisemaphandleni, njengee-Cook Islands, aziyizigwebo zangaphandle. Ngoko, xa zidibene ne-trustshotshore, zibandakanya abo bafuna ukukhuselwa kwempahla.

Xa useta iiakhawunti zebhanki yelinye ilizwe, ukukhuthala okumiselweyo kunye nemigaqo-eyaziwayo yomthengi yakho ixhaphakile. Ezo nkqubo zebhanki ezivumela ii-akhawunti zebhanki zamanye amazwe zizimisele ukwamkela abantu bamanye amazwe abafuna ukukhutshwa kwirhafu kumazwe abo. Bazakujongisisa nesicelo sakho ukuze baqiniseke ukuba imithombo yolwazi yakho isemthethweni. Ke, ukuba ufuna ukuvula i-akhawunti yebhanki engaphesheya, zilungiselele. Bayakufuna ukuba ubonelele ngesazisi esipheleleyo kunye nesazisi sakho kwaye ivelaphi idipozithi yakho.

Akhawunti ze-Intanethi

I-Offshore Banking ikude nge-Intanethi

Zonke iibhanki zifuna ukuba unikezele ngesazisi esifanelekileyo. Ezinye iibhanki ziya kukuvumela ukuba ubonelele ngamaxwebhu ngeposi. Abanye bafuna ukuba ubonakale ngokwakho. Ngenxa yobudlelwane bethu neebhanki ezininzi kwihlabathi liphela, “Umqalisi ofanelekileyo”Ukuze sikwazi vula iiakhawunti kubathengi abakude kakhulu apho abantu bangenakukwenza oko ngokwabo. Ngapha koko, uninzi lweebhanki ezingaselunxwemeni alunakuze luvule iiakhawunti zabantu base-US okanye baseKhanada. Siyazazi ezizokuvula iiakhawunti zabangaphandle, kwaye ngaphandle kwesidingo sokuhamba. Sebenzisa ifomu elikweli phepha okanye inombolo elapha ngasentla ukuze ufumane ezinye iimpendulo kwimibuzo malunga nokubhanga kunxweme.