Yakabudiswa · Shona

Kuvhura Akaunti yeBhangi yeKambani muChina

Gwaro rinoshanda kune vatangi vekunze vanoda kuvhura akaunti ye bhangi ye kambani mu mainland China: magadzirirwo, magwaro, maitiro, uye zvinokosha kuziva usati watanga.

Kuvhura akaunti ye bhangi ye kambani muChina inhanho inokosha kune chero munhu anotanga bhizinesi munyika iyi. Zvinogona kunge zvichiita sechinhu chiri nyore, asi kune vatangi vekunze kazhinji zvinoda nguva, kurongeka, uye kunzwisisa maitiro eChinese banking system. Gwaro iri rinopa ruzivo rwakajairika uye rinoshanda. Hazvisi zano remutemo kana remitero. Kana uchida rubatsiro rwepamutemo kana rwemitero, taura negweta kana muteresi ane hunyanzvi muChina.

Nei akaunti ye bhangi ye kambani ichikosha

Kambani yekunze inoda kushanda muChina inowanzoda akaunti yekubata mari yemabhizinesi: kupihwa mari nevatengi, kubhadhara vashandi, kubhadhara mutero, uye kubhadhara vatengesi. Akaunti yemunhu haigone kushandiswa pachinzvimbo cheakaunti yekambani kumabhizinesi mazhinji. Uyewo, mari yekunze inowanzoda kupfuura neakaunti ye kambani kuti ive nemagwaro akakwana uye kuti ishandiswe zviri pamutemo.

Zvinokosha kuziva kuti kuvhura akaunti hakusi chiitiko chimwe chete. Kazhinji inongova chikamu chemuitiro wakafara wekutanga bhizinesi muChina, uyo unogona kusanganisira kunyoresa kambani, kuwana nhamba yemutero, uye kuwana mvumo dzekushanda.

Mhando dzeakaunti dzinowanikwa

Akaunti yekushanda (basic account)

Iyi ndiyo akaunti inonyanya kushandiswa kumabhizinesi ezuva nezuva. Kambani inowanzogona kuva neakaunti imwe chete yekushanda pabhangi rakanzi “basic deposit account”. Inobvumira kubhadhara, kugamuchira mari, uye kuita mamwe mabasa ekambani. Kune vatangi vazhinji, iyi ndiyo akaunti inonyanya kukosha.

Akaunti dzekunze (foreign currency accounts)

Kana kambani yako ichigamuchira mari kubva kunze kwenyika kana kubhadhara vatengesi vekunze, ungangoda akaunti yemari yekunze. Bhangi rinogona kukubvunza kuti unoda mari dzipi (semuenzaniso USD kana EUR), uye rinogona kuda humbowo hwekuti mari inopinda neinobuda inoenderana nebhizinesi rako.

Akaunti dzekuchengetedza (capital account)

Kana mari yekudyara ichipinda kubva kunze kwenyika se “registered capital”, inogona kuda kupfuura neakaunti yakakosha inonzi capital account. Maitiro acho anogona kusiyana zvichienderana nemamiriro ezvinhu uye nehurongwa hwekudyara. Ichi chikamu chinowanzoda rubatsiro rwechiremba wemutemo kana wezvemari.

Zvinodiwa usati watanga

Bhangi rimwe nerimwe rine maitiro aro, asi kazhinji zvinotevera zvinowanzodiwa kana uchivhura akaunti ye kambani:

• Kambani yakanyoreswa zviri pamutemo muChina. Bhangi rinoda kuona chitupa chekubhizinesi (business licence) chine chikwangwani chekambani.
• Nhamba yemutero yekambani. Iyi inowanzoda kuvepo kuti bhangi riite zvekuongorora.
• Zvitupa zvevakuru vekambani. Pasipoti dzevakuru, uye magwaro anoratidza kuti ndiani ane simba rekuita sarudzo.
• Chisimbiso chekambani. MuChina, zvisimbiso (seal) zvinokosha zvikuru panyaya dzekambani. Bhangi rinogona kuda chisimbiso chekambani, chisimbiso chemari, uye chisimbiso chemutemo.
• Adhiresi yekambani inoshanda. Bhangi rinogona kuda humbowo hwekuti kambani ine nzvimbo yekushanda, segwaro rekuvhura kana kontrakiti yekurenda.
• Bhuku rezvinyorwa zvekambani. Zvinosanganisira magwaro ekutanga kambani, sarudzo dzevakuru, uye chero magwaro anoratidza hukama hwevakuru.

Zvinokosha kuti magwaro ese aenderane. Kana zita rekambani, adhiresi, kana vakuru vakasiyana pamagwaro akasiyana, bhangi rinogona kunonoka kana kuramba chikumbiro.

Maitiro ekuvhura akaunti

1. Sarudza bhangi

Unogona kusarudza bhangi rakakura reChinese kana bhangi repamba. Bhangi rakakura rinogona kuva nehukama hwekune dzimwe nyika uye masevhisi akawanda, asi maitiro acho anogona kunge akaomarara. Bhangi diki kana rebhizinesi remuno runogona kuva nyore kune vatangi vadiki, asi unofanira kuongorora kuti rinokwanisa here kupa masevhisi aunoda.

2. Bata bhangi usati waenda

Usangoerekana waenda kubhangi usina kufona kana kunyora email. Kazhinji bhangi rinoda kuti uvhure nguva yekusangana uye richida kuziva kuti kambani inoita bhizinesi ripi. Vamwe vanobvuma kuti utange maitiro online, asi kusangana pachiso kazhinji kunodiwa.

3. Gadzirira magwaro

Gadzirira makopi nemapepa ekutanga. Bhangi rinogona kuda kuti uunze magwaro ekutanga, uye rinogona kuita makopi acho pacharo. Iva nepasipoti yako nevamwe vakuru, uye chisimbiso chekambani.

4. Sangana nebangi

Kazhinji munhu anofanira kuenda kubhangi pachiso, kunyanya mutungamiri kana munhu ane simba rekuita sarudzo. Bhangi rinogona kubvunza mibvunzo pamusoro pebhizinesi, vatengi, vatengesi, uye mashandisirwo emari. Pindura nemazvokwadi uye nenzira yakajeka.

5. Tarisira kuongororwa

Bhangi rinoita ongororo yekuziva mutengi wako (KYC) uye yekudzivirira mari inenge yakaipa. Izvi zvinogona kutora mazuva kana mavhiki. Kana kambani ichangotanga uye isina nhoroondo yebhizinesi, bhangi rinogona kukumbira rumwe ruzivo rwakawanda.

6. Gashira akaunti

Kana chikumbiro chabvumirwa, unopihwa nhamba yeakaunti uye magwaro ekushandisa. Tarisira kuti bhangi rikudzidzise mashandisiro eakaunti, kunyanya panyaya dzekufambisa mari kunze kwenyika.

Zvinhu zvinogona kunonotsa kana kuomesa maitiro

• Kusava nechirevo chakajeka chebhizinesi. Bhangi rinoda kunzwisisa kuti mari inobva kupi uye inoenda kupi.
• Kusiyana kwemagwaro. Zita rekambani, adhiresi, kana zita remutungamiri zvikasawirirana, zvinogona kukonzera mibvunzo.
• Kusavapo kwemunhu ane simba. Kana munhu anofanira kusaina asipo, maitiro anogona kumira.
• Bhizinesi rine njodzi dzakati. Mamwe mabhizinesi anogona kuda ongororo yakawedzerwa.
• Kushandisa chipo kana mari isiri pachena. Izvi zvinogona kukonzera kuti bhangi ribvunze mibvunzo yakawanda.

Mazano anoshanda

Ita shuwa kuti kambani yako yakanyoreswa uye ine magwaro ese ari pamutemo usati waenda kubhangi. Gadzira folda rimwe rine makopi emagwaro ese ekutanga. Verenga zvakanyanya mibvunzo inogona kubvunzwa uye gadzirira mhinduro dzakajeka pamusoro pevatengi vako, vatengesi vako, uye mashandisirwo emari. Kana uchitaura Chirungu chete, tsvaga munhu anogona kubatsira neshanduro kana bhangi rine vashandi vanotaura Chirungu. Usavimba nezvirevo zvemunhu mumwe; bvunza bhangi rako zvakananga pamusoro pezvinodiwa.

Chekupedzisira, rangarira kuti mutemo nemaitiro zvinogona kuchinja. Bhangi rimwe nerimwe rinogona kuva nezvinodiwa zvakasiyana, uye mamiriro ekambani yako anogona kukonzera kuti maitiro asiyane. Ruzivo urwu rwakajairika chete uye harusi zano remutemo kana remitero. Tsvaga rubatsiro rwechiremba kana gweta kana uine mamiriro akaoma.