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Swiss Banking

Isahluko 12


Ibhanki yaseSwitzerland

Swiss Banking kudala inxulunyaniswa nokubhankisha ngobungcali, ngokuqonda nangokukhuselekileyo. Ligunya lolawulo lokungathathi cala kunye nokuhambelana nemigaqo yokugcinwa kwemfihlo kwebhanki. Abantu abaqhelekileyo bajika baye kwiibhanki zaseSwitzerland izizathu ezibini. Okokuqala, uninzi lujonge ukukhusela iiasethi ezinkulu ekuhlolweni luluntu. Okwesibini, uninzi lwabantu lubuyela eSwitzerland ukuyokukhulula umthwalo werhafu enzima. Omabini la maqela ngokwesiko ajonge kwi-Consortium yeBhanki yaseSwitzerland njengenketho enomtsalane.

Kwaye ezi nkonzo aziyonto intsha. Iiakhawunti zebhanki yaseSwitzerland ziye zaba yinkokheli kwiibhanki zamanye amazwe amashumi eminyaka. Oko kukuthi, enkosi kwinxalenye encinci yezidubedube zezopolitiko kunye neengxabano zamakhaya kwihlabathi liphela. Baye baba ziinkokheli kukhuseleko lwezezimali kunye nozinzo ngokwenyani lwamakhulu eminyaka. Ngapha koko, umhlaba uzibonele oku ukusukela kwimihla kaLouis the XIV. Ukuqhubela phambili, kuye kwaqhubeka kwiintsuku ezingaphambi koqhushululu lwaseFrance nakwiMfazwe yeHlabathi. Ukukhusela iiasethi kunye nemali eyinkunzi kwirhafu engafikelelekiyo okanye koorhulumente abacinezelayo yayingumbandela oqhelekileyo. Ngokuhambelana, umgcini-mali oqondayo ujonge eSwitzerland ukuba abonelele ngezi nkonzo.

Isizathu sokuba i-Swiss banking ikwenze oku kufanelekile ebhankini igama yile. Ukugqama kwayo kusekwe ngokucekeceke kwinto yokuba iSwitzerland inomthetho kunye nemigaqo esebenzayo. Indlu yowiso-mthetho inyanzelisa iiparameter ezithile kwiibhanki zayo. Ngapha koko, bakhetha ukugcinwa nokugcinwa kweemfihlo zeakhawunti yedipozithi yangaphandle, apho kunokwenzeka. Ukuqhubela phambili ukuphucula olu dumo kukuba iibhanki zaseSwitzerland zibonelela ngobuchule obungazange babonwa ngaphambili. Ngapha koko, zibonisa ukuthembeka okupheleleyo kwimeko yebhanki ezinzileyo emhlabeni.

Imbali yeBhanki yaseSwitzerland

Imbali yeBhanki yaseSwitzerland

Olu suku lwanamhlanje oluyimfihlo lweSwitzerland Banking luyakwazi ukulandela imvelaphi yalo kwi-Swiss Banking Law ka-1934. Urhulumente wabo wamisela umthetho ubukhulu becala ngenxa yesoyikiso samaJamani samaNazi kunye nesiphithiphithi sezopolitiko eFrance. Omabini la maziko azamile ukucinezela iibhanki zaseSwitzerland ukuba ziveze iinkcukacha zedipozithi egameni “lezinto zikarhulumente.”

AbaseSwitzerland baphendule ngoMthetho weBhanki ka-1934. Lo mthetho uchaza imigaqo yobumfihlo beakhawunti. Ikwabonelela ngesiseko esisemthethweni sokwenjenjalo. Okokugqibela, ibonelela ngezohlwayo zolwaphulo-mthetho ezivela kwabo bajongela phantsi ubumfihlo beakhawunti yomgcini. Oku kukhokelele kwimeko yangoku ethi ngokusisiseko (kwaye ngokulula ubeke apha) ibambe imigaqo kunye nemigaqo njengengaguqukiyo. Oko kukuthi, ngokubhekisele kwidiposithi kunye nokugcinwa kwemfihlo, kunye nesazisi sababeka okanye iakhawunti. Abayekeli iimbali zebhanki ngokulula. Kufuneka kubekho isityholo sokwaphula umthetho phambi kokuba iarhente yaseburhulumenteni, ngakumbi eyangaphandle, igqobhoze le mfihlo.

Irhafu yebhanki yaseSwitzerland

Rhafu

Nokuba isityholo sokubaleka ukuhlawula irhafu akunakuba sanele ukugqobhoza kwimigaqo eyimfihlo yebhanki yaseSwitzerland. Isityholo asilotyala elinzulu ngokwaneleyo eSwitzerland, nto leyo engento yimbi ngaphandle kokuziphatha gwenxa. Ngokuqinisekileyo akwanele ukulalanisa kwimithetho yayo. Isityholo kufuneka sibe sesobuzaza ukuze ibhanki yaseSwitzerland ikwazi nokuthathela ingqalelo imigaqo yayo. Oko kwathethi, sicebisa kakhulu ukuthotyelwa kwerhafu kulawulo lwakho lokuhlala kunye / okanye ubumi.

Ngoninzi loqikelelo okanye amanyathelo, iibhanki zaseSwitzerland zibambe isinye kwisithathu sazo zonke iimali ezigcinwe kuzo iiakhawunti kude nonxweme. Ukuthathela ingqalelo inani elikhulu le-Offshore, iindawo ezilawulayo ezikhoyo, eli linani elimangalisayo. Iibhanki zaseSwitzerland zibambe i-2 yezigidi zeedola zase-US kunye nengxelo yenyani. Ke, iSwitzerland isesona mgangatho upheleleyo xa kufikwa ekunikezeleni ngendawo ezinzileyo, eyimfihlo yebhanki.

igama lokusebenzisa nephasiwedi

Amanani iiAkhawunti zeBhanki yaseSwitzerland

Ukuvakala okungaqhelekanga "iakhawunti yebhanki enamanani" ayinanto ngaphandle kweakhawunti echongwe ngenani. Inani ngaphandle kwegama lediphozithi lichonga iakhawunti. Iibhanki zaseSwitzerland zibeke imigangatho ukufihla neeakhawunti zabo ezibaliwe. Nangona kunjalo, kufuneka kubekho umntu obizwa ngegama odityaniswe kwiakhawunti enenombolo. Kodwa ibhanki inesazisi esisondeleyo. Ayaziwa kodwa kwabasemagunyeni abambalwa abaphezulu ebhankini kwibhanki yaseSwitzerland ebanjwe kuyo.

Ezi akhawunti ngokucacileyo zibonelela kwinqanaba lokugcina okuyimfihlo. Banokuba luncedo, umzekelo, kwiqumrhu okanye kwinto eyaziwayo esecaleni kokufumana okukhulu. Kunokubakho intengiselwano apho ifuna ukuqokelela iiasethi ngaphandle kokuxwayisa abo bakhuphisana nabo, abeendaba, okanye ezinye izinto ezinokubakho. Inye into ekufuneka icacile kolu luhlu lungentla. Nokuba uneakhawunti yebhanki yaseSwitzerland eneenombolo, ibhanki ayinakuze iqinisekise ngokungaziwa ngokupheleleyo; ngakumbi kwimicimbi yolwaphulo-mthetho. Kodwa iakhawunti eneSwitzerland isondele njengoko iakhawunti inokufumana ukuqonda.

Zurich

Ibhanki yaseSwitzerland namhlanje

Amanye amaziko amadala angabuna kwaye afe ngokutshintsha kwetekhnoloji. Kukho iindlela ezinokuphelisa injongo yazo okanye indlela yokusebenza. Oku akunjalo kwiziko lebhanki laseSwitzerland. Ibhanki yaseSwitzerland ihlengahlengise ngokukhawuleza ukuphendula isantya esivuthuzayo setekhnoloji esethwe lihlabathi lanamhlanje. Ukusuka kutshintshelo lwemali ye-elektroniki, ukuya kubuchwephesha bokhuseleko lwe-mega-bit, iibhanki zaseSwitzerland ziphambili kwinkqubo yebhanki yanamhlanje. Eyona nto ihambileyo ziintsuku zamakhadi otyikityo olunzima kunye ne-suit-case kwiintlanganiso zesandla. Ngoku zitshintshwe ngokongezelelekileyo ngokutyikitywa kwe-elektroniki kunye nokudluliswa kweeasethi ezisekwe kwi-intanethi. Rhafu Ukuthotyelwa kwenxalenye yomdlalo namhlanje. Imigangatho yokulwa imali ngokungekho semthethweni yamazwe aphesheya ikho ukugcina abantu abalungileyo kunye nababi bengaphandle.

FATCA

FATCA

Ngokuqala koMthetho wokuThotyelwa kweRhafu yeAkhawunti yamanye amazwe (i-FATCA) e-US, iibhanki ezifuna ukuhambisa imali yase-US kufuneka zibonelele ngokucacileyo kwirhafu kubanini beakhawunti yase-US. Inkongolo yase-US yamisela umthetho ngo-Matshi 18, 2010 (26 USC § 6038D) kwaye wayandisa ngo-Disemba 31, 2012 (26 USC §§ 1471-1474). Injongo yayikukunyanzelisa ukuqokelelwa kwerhafu yamanye amazwe. Isifundo esivela eTexas A&M sigqibe kwelokuba isenzo siza kudala imali engaphantsi kwe- $ 2.5 yezigidigidi kwimali engenayo kwisithuba seminyaka eli-11. (Oku kuchasene ne-Congress's $ 8.7 yezigidigidi kuqikelelo lwangexesha elifanayo.) Ingxelo eForbes, nangona kunjalo, ibonisa ukuba indawo yokunyanzelisa i-FATCA ngaloo minyaka iya kuxabisa i-8 yezigidigidi zeedola.

Ngenxa yexabiso eliphezulu lokuthobela, iibhanki ezininzi zaseSwitzerland zigqibe kwelokuba zingabamkeli abathengi baseMelika. Nangona kunjalo, zininzi iibhanki eSwitzerland ezamkela abathengi baseMelika. Ke, ukucima le ndleko, iibhanki ezamkela amaMelika zineemfuno ezincinci zedipozithi kubo nge- $ 250,000 ukuya kwi- $ 1 yezigidi ze-US.

Izinketho zotyalo mali

Iinkonzo zotyalo-mali

Namhlanje, iibhanki zaseSwitzerland zisebenza njengezindlu zotyalo-mali. Baqesha abanye babaphathi bezemali abanezakhono. Ke, kukho iinketho zokurhweba ngamasheya, iibhondi, imali kunye kunye nezinyithi ezixabisekileyo kwi-intanethi. Ngenye indlela, unokufumana umcebisi wezezimali oqeqeshiweyo ongamela iphothifoliyo yakho.

Imfihlo yeBhanki eSwitzerland

isiphelo

Kuyacaca ukuba iibhanki zaseSwitzerland ziyaqhubeka nokubonelela ngehlabathi lokwenyani, izisombululo ezinokufikeleleka kwimicimbi emininzi ejongene nosomashishini okanye umfazi ophumeleleyo; ngakumbi xa kuziwa ekukhuseleni ii-asethi zabo ezingamanzi. Nokuba kukukhuselwa kummiselo ongafanelekanga, izidubedube zezopolitiko, ukungaqiniseki kwezoqoqosho, okanye nokuba ngumlingane owayenecala eliphikisayo, iakhawunti yebhanki yaseSwitzerland inokuba sisisombululo osifunayo.


<To chapter 11

Kwisahluko sebhonasi>

ukuya ekuqaleni

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [Ibhonasi]

Igqityelwe ukuvuselelwa ngo-Okthobha 30, 2019