Ma khoti ndi mabanki pa ngongole: malamulo a milandu

Ngati mabanki ali ndi ngongole ali ndi vuto pobwezera ngongole, ndipo nthawi zambiri izi zimabweretsa kuti makhoti akuchitidwa ndi mabanki pa ngongole. Panthawi imodzimodziyo, muyenera kumvetsetsa kuti izi ndizo kusintha kwa mgwirizano ndi ndalama, ndipo mutatha kukhoti, simungathe kutsogolera mkhalidwe womwewo.

Nchiyani chikuchitika

Pambuyo pa chigamulochi, abusawo amachichita. Tiyenera kukumbukira kuti makhoti ndi mabanki pa ngongole amachitidwa nthawi zambiri chifukwa chakuti ndalama zimamvetsetsa bwino kuti ophandizira ali ndi mphamvu zamphamvu kwambiri, kuchokera ku mwayi wosunga malipiro komanso kutha kwa kulanda katundu. Choncho, kupambana kwa chitetezero chanu panthawi ya mlandu kudzadalira mwachindunji ndalama zomwe muli nazo ku banki komanso ngati muli ndi ngongole.

Mmene mungatetezere zofuna zanu

Kuonetsetsa kuti makhoti ndi mabanki pa ngongole ali othandiza kwambiri, otsutsa ayenera kusonkhanitsa zambiri momwe angathere, kuphatikizapo malo a msonkhano, zofuna zomveka za banki ndi zina zambiri. Zina mwa nkhanizi zili zophweka kupeza masiku ano kudzera pa intaneti, ndiko kuti, simukusowa kuchoka panyumba panu, koma kuti mudziwe zambiri zofunika, mudzayenera kale kulunjikira kukhoti, zomwe zingakupatseni zipangizo zowonjezera Chidziwitso.

Chifukwa chake nkofunikira

Malingana ndi mfundoyi, zingatheke kuti muone ngati mwakonzeka kukwaniritsa zofunikira zomwe bankiyo, kapena ngati simunakonzekere, ndilo gawo liti limene mudzatsutse. Izi ziyenera kuzindikiridwa mwamsanga kuti nthawi zambiri makhoti ndi mabanki pa ngongole amatha miyezi 3-12, kotero muyenera kukhala okonzekera nthawi yayitali.

Momwe mungapezere malo a msonkhano

Ngati mwaphunzira kuti mukukumana ndi khoti la milandu kuchokera ku ndondomeko yomwe mwalandira, ndiye kuti simungathe kukhala ndi funso lokhudza kuti ndi liti komanso kuti ndondomekoyi ikuchitika, popeza ndondomekoyi ikuphatikizapo mfundo zonsezi. Komabe, chizoloŵezi chimasonyeza kuti kawirikawiri khoti lokhala ndi banki la ngongole likhoza kuchitika ndi mavuto angapo, kotero yesetsani kukweza ndi kufufuza chidziwitso chomwe chatumizidwa pa webusaitiyi ya khoti. Chifukwa cha ichi simungathe kudzitetezera ku zolakwa za antchito a khoti, komanso chifukwa cha zabodza zomwe nthawi zonse zimagwiritsidwa ntchito ndi oimira mabanki kapena mabungwe osonkhanitsira ndalama kuti apitirize kubwereka. Inde, sikuti nthawi zonse mabodza amalembedwa pamene makhoti akukambirana ndi banki ndi ngongole, chiweruzo chimanena kuti izi sizingatheke, koma ngati mutagwa ku kampani yoteroyo, ndiye kuti mutha kukhala ndi mitsempha yambiri komanso nthawi Chotsani mavuto awa.

Zomwe angachite ngati sakutumiza chabe ndondomeko

Nthaŵi zina, simungatumize subpoena, koma mwamsanga phukusi lonse la zolembedwa, kuphatikizapo chikalata cha chigamulo kuchokera ku banki, komanso kutsimikiza kwa kukhazikitsidwa kwa zokambiranazo ndi zolemba zina zingapo. Mu mapepala onsewa mungathe kupeza dzina la khothi, malo a chikhazikitso, ndi nthawi yeniyeni ndi tsiku lomwe msonkhanowu ukukonzekera. Ngakhale kuti palibe umboni uliwonse wonyenga wa zolembazi, ndibwino kuti mupite ku malo a khoti komanso kuwona zomwe zili zofunika, chifukwa zonsezi zikudalira kampani imene khoti likukambirana ndi banki pa ngongole. Akatswiri amanena kuti nthaŵi zina mabanki amayendera m'njira zosiyanasiyana kuti apambane mlanduwo.

Nthawi zambiri, ndikwanira kungotumiza dzina lanu lomaliza, koma nthawi zina izi sizikugwira ntchito ndipo muyenera kufufuza magawo ena, monga nambala ya nambala, tsiku lolandira, ndi ena ambiri. Sikuti nthawi zonse okhoma amatha kupeza pulogalamu yamakono, komanso zolemba zina. Nthawi zina, zimachitika kuti kuyankhulana pa kufalitsa chigamulo ndi khoti chifukwa chosalipira ngongole kumaperekedwa mwa njira zina, mwachitsanzo, kuitana kwa wobwereka ku ofesi, kapena munthu amangodziwa kuti ali ndi chiyeso, pokambirana ndi banki yake .

Chimene muyenera kudziwa

Mosasamala kanthu momwe mwaphunzirira za momwe makhoti akugwiritsira ntchito ngongole ikudutsa, choyamba muyenera kudziwa dzina la chipani cha milandu, komanso nthawi yeniyeni ya msonkhanowo. Ngakhale zitachitika izi, kudzera mu malo a khotiko zingatheke kufotokozera mfundo zazikuluzikulu monga:

• Kukwaniritsidwa kwa msonkhano wokonzedweratu;
• Kusankhidwa kwa misonkhano kwa nthawi yina;
• Ndi woweruza uti amene angaganizire nkhaniyo.

Ngati simukudziwa bwalo lamilandu yomwe pempho lanu linaperekedwa kwa ngongole, muyenera kufufuza njira zingapo, monga lero bungwe lililonse la milandu lili ndi webusaiti yake. Choyamba, tikukulimbikitsani kuti mudzidziwe ndi malo a khoti lanu lachigawo, lomwe likugwirizana ndi malo anu okhala. Ngati palibenso chidziwitso chanu pa malo a khothi akukhudzana ndi malo omwe mukukhala, ndiye kuti mufunikanso kufufuza njira zina zomwe mungapereke chigamulo ku banki ndi ngongole (I, IP, mwachitsanzo, amatanthauza Mukhozanso kuyang'ana makhoti kumalo a bizinesi yolembera).

Fufuzani malo a khoti lachigawo pamalo a banki. Kuphatikizanso apo, mukhoza kuitanitsa mwachindunji ku banki yokha kuti athe kudziŵa zonse zofunika. Ngati palibe chithandizo pa mndandandanda uwu chakulolani kuti mudziwe zambiri pa nkhaniyi, ndiye kuti mwakhala mukunyengedwa, mukuyesera kuopseza momwe bwalo likugwirira ntchito ndi banki ndi ngongole, ngakhale kuti chidziwitso sichinafikepo.

Momwe mungapezere zipangizo zamakalata

Musanayambe kukonzekera mulandu, muyenera kumvetsa zomwe banki lanu likupereka komanso zomwe amatsutsa kuti akwaniritse zolinga zawo. Musaiwale kuti khoti lokhala ndi banki chifukwa cha ngongole ndi nkhani yovuta kwambiri, ndipo zowonongeka sizinsinsi ndipo sizili zovuta kuzipeza. Nthaŵi zambiri, ndondomeko yodzinenera ya banki ikuphatikizapo zonse zomwe mukufunikira, ndipo panthawi yomweyi muli ndi ufulu wogwiritsa ntchito.

Angathe kutumiza banki

Muzochitika zina, chikalata cha pempho chimatumizidwa mwachindunji ndi makalata kwa wobwereka, koma izi sizili choncho nthawi zonse pamene khoti likuchita ndi banki pa ngongole. Mchitidwe wamakhalidwe amasonyeza kuti izi sizomwe zimakhala zochitika kawirikawiri, koma ngati izi zakhala zikuchitika, izi mosakayikira zikuphatikizapo. Komanso, ngati mutapeza dzina lanu pa webusaiti ya khothi, koma simunalandireko zomwe mwafunsidwa ndi makalata, musayembekezere, popeza mutangotsala nthawi - ndi bwino kupita kukhothi kuti mukadziwe zinthu zonse zofunika.

Mwachidziwitso, kuti mudziwe bwino momwe makhothi angapangidwire ndi banki chifukwa chosalipira ngongole, muyenera kulankhulana ndi ofesi ya bungwe pa tsiku lililonse la ntchito. Koma panthawi yomweyi, yesetsani, ndikuwonetsanso kuti nthawi zambiri zipangizo zomwe zilipo nthawi zonse zimakhala ndi woweruza yemwe angagwirizane ndi mlanduwo. Maola obvomerezeka a oweruza ali ochepa, ndipo nthawi zambiri izi ndi Lachinayi usanafike masana, komanso Lamlungu madzulo. Kotero kuti simukuyenera kupita ku khoti kawiri, ndi bwino kufotokozera pasadakhale nthawi yolandirira makamaka milandu ya anthu , pambuyo pake muyenera kukonzekera kudzacheza kwa woweruza nthawiyi.

Ma khoti osiyanasiyana - njira zosiyanasiyana

Kuzindikiranso kuti ma khoti osiyanasiyana angagwiritse ntchito njira yodziŵira milandu m'njira zosiyanasiyana. Kotero, mu malo ena mukufunsidwa kuti mulembe zofunikira, koma mfundo zonsezi zimatchulidwa pomwepo. Chinthu chachikulu - khalani otsimikiza kuti mutenge pasipoti yanu ndi inu, ndikufotokozeraninso dzina la woweruza yemwe akulingalira nkhani yanu.

Zida zokhudzana ndi ngongole ya ngongole zimaphatikizapo mapepala 100, koma nthawi zina nkhanizo ndi zazikulu. Choncho, kuti muwaphunzire panthawiyo sangagwire ntchito, choncho yesetsani kutenga chithunzi chawo kuti mutha kufufuza zonse zomwe zili m'malo ochezeka. Zogwiritsidwa ntchito m'mafoni amakono, makamera si abwino, koma ndibwino, ndithudi, kuwombera pa kamera. Mwinamwake, kugwiritsa ntchito zipangizozi sikungothandiza kwa inu nokha, komanso kwa woweruza wanu ngongole, ngati mukugwiritsabe ntchito ntchito za akatswiri a zamalonda.

Kodi mungakonzekere bwanji?

Mfungulo umene mukufunikira kutenga chithunzi ndizofotokozera, choncho muyenera kuziwerenga poyamba. Bungwe ili mu chilankhulo chalamulo limafotokoza bwino mbiri ya ubale wanu ndi banki, ndikutsatirani zomwe mukukuuzani kuchokera ku bungwe la zachuma zomwe akufuna kukuwonetsani kukhoti ndi banki pa ngongole. Dziwani kuti ngati mulibe maphunziro apamwamba a zamilandu, ndiye kuti zidzakhala zovuta kwambiri kumvetsetsa zosiyana siyana za izi. Mulimonsemo, yang'anani gawo lomalizira la zomwe akufunseni, zomwe zikuwonetseratu ndalama zomwe banki ikufunira kwa inu, komanso chifukwa chomwe banki imawerengera.

Momwe mungachitire

Ngati mumavomereza kuti ndalama zomwe mabanki akuwonetsera ndizosavomerezeka, ndiye kuti simukusowa kuchita zina zowonjezerapo - zokwanira kuti mupite ku khoti lamilandu ndikumanena kuti mukuvomereza kukwaniritsa zomwe akunenazo. Ngati mumanyalanyaza msonkhano, ndiye kuti zotsatira zake zidzakhala chimodzimodzi.

Ngati mabanki sakufuna, muyenera kuchita zambiri kuti muteteze ufulu wanu. Muyenera kutsata ndondomeko yowonjezera, kulingalira kwa mgwirizano wa ngongole, komanso kufufuza ngati mgwirizano ndi mgwirizano wa ngongole zikugwirizana ndi umboni weniweniwo. Ndicho chifukwa chake kulimbikitsidwa kuti mugwiritse ntchito maulangizi a zamaluso amene angathe kukuchitirani ntchitoyi.