Mufambi wacho macheki - chii? How kubhadhara mu mufambi kuti macheki uye kupi kutenga?

American Express mufambi kuti macheki - mukana uye yakavimbika nzira kuchengetera mari dzimwe mari. With vose mari unhu (vanotenga simba uye chezita ukoshi), vane zvose zvakanakira pakutengeserana zvemari (vanogona kudzorerwa kana kurasikirwa, uyewo bequeath). Safety mari inenge yashandiswa kana kutenga vafambi macheki, kwakagonesa pakukura yemarudzi dzesangano, nhoroondo rinobuda makore 164 shure.

Mufambi kuti cheki: pfungwa uye chikuru mabasa

Tsanangura mufambi chii kuti macheki, zviri nyore - iri muripo gwaro, inova mari mutoro, nekanzuru achivaratidza kambani, kubhadhara mari (tarisa chezita) muridzi, uyo chiratidzazvizhinji siginicha pamusoro cheki rinotaurwa. Kutaura zvazviri, dzinomirira yakazara yaitsiva mari.

Shandisa cheki anogona kuva nyore kuti mari nayo, uye kubhadhara navo zvinhu kana akuitira. Kuti tidaro pamberi mutauri wemashoko kana keshiya kuisa siginicha yake pamusoro risiti (pasi chikamu) kechipiri.

Safety mari inenge yashandiswa kana kutenga mufambi kuti kuongororwa nebumbiro issuers, izvo kazhinji nzvimbo makambani, zvokutengeserana mabhanga, uyewo mikuru Makambani dzakawanda dzakadai Travelex uye American Express.

A zvishoma nhoroondo ...

Zvino American Express Company, kuwedzera mufambi wacho macheki, nyaya mubhadharo makadhi, wokurarama makadhi chikwereti uye ndiyo imwe makurusa kufamba masangano munyika.

Kambani rakaumbwa muna 1850 naWilliam Fargo, Henry Wells uye John Butterfield kupa yokufambisa mabasa Mari munyika. Business rakakura nokukurumidza, uye nokuda 1882 kambani yakabudirira vaikwikwidzana remittances kubva posvo USA.

Pakazosvika 1890, remittances akatanga kukunda kondinendi European, apo basa iri haisati inopiwa. William Fargo, uende Europe kuti zvinhu kuenda, akauya shure kwazvo. Kunyange zvazvo aiva purezidhendi kambani hombe, aisagona exchange zvavo tsika tsamba mbiri mari pose kunze mumaguta makuru.

Solution kunoburitsa Flemming Berry, yakaitwa muna 1891 imwe chigadzirwa hutsva zvemari nokuti kambani American Express - macheki mufambi wacho.

Nzira itsva muripo yava kuwedzera kukurumbira: muna 1891 akakwanisa dzika macheki pa 1920 madhora, muna 1909 boka akaita rokutengesa mamiriyoni 23 emadhora pamusoro.

nyore uye inoshanda nzira imwe yambokurukurwa kuona nderechokwadi macheki: iri siginicha pamusoro cheki ndokutsika 2 nguva: pamusoro mutsetse - panguva rwokutenga, uye pasi - paaitaura kuti nhoroondo. Madimbu vakasaina setifaya nezvezvisikwa muridzi uye unovimbisa mubhadharo cheki.

Currency uye sangano

The macheki yokutanga yakapiwa mumasangano 10, 20, 50 uye 100 emadhora US. By 1955 American Express anotangazve macheki mu Canadian madhora uye British makirogiramu.

In 1970, boka rine atova inongorira macheki mu Swiss uye French mafranc, Yen Japanese uye German chiratidzo. Kubvira muna 1999 akatanga kugadzirwa nevafambi macheki mu euros chezita kukosha 50 €, 100 €, 500 €, 1000 €.

Kusvika panguva Zvinonyanyozivikanwa kuti macheki denominated mu British pounds, wokuAustralia, wokuCanada, Singapore Dollars, mafranc Swiss. Sangano macheki mu US madhora - $ 20, $ 50, $ 100, $ 1,000.

Zvakanakira kushandisa

The chikuru mukana mufambi kuti macheki - yavo vakachengeteka. Nokushandiswa zvakanaka navo, vakachengeteka mari yako zvizere kodzero. Sezvo macheki zviri pamutemo, hapana kunze iwe havazokwanisi kushandisa vakarasika kana zvakabiwa cheki.

Hapana cheki haangazozikamwi cashed pasina muridzi kana pasina gwaro achiratidza kuzivikanwa kwake. tarisa muridzi achakwanisa kudzorera kana kukuvara, kurasikirwa kana kuba zvachose akasununguka zuva rimwe.

Chimwe chakanakira anokosha - profitability. macheki mufambi kuti munyika dzakawanda, dziri kutengeswa nomutengo zvazvingava nani. pane mari yokumwe mari, uye ane mashoma basa. Zvisinei, avo kudzoka Exchange kunze anotora nzvimbo pane pangozi kupfuura kutendeuka mari. A mukana mukuru zvakare mukana nokubviswa kubva kunyika mufambi wacho macheki upi achida mari pasina kurambidzwa.

A zvikuru nyore nzira mari yakadaro okuchengetera paaifamba kwose. macheki mufambi inogona kubhadharwa chero bhengi munyika, kupa basa yakadaro, pasinei nzvimbo rwokutenga yavo.

pfungwa waakazvitengesa

Mhinduro yomubvunzo: "? Kupi kutenga mufambi kuti macheki" Nokuti vagari vakawanda zvenyika zviri pachena: vari kutengeswa anopfuura zviuru 100 American Express mahofisi uye vakawanda achitungamirira mabhanga zvenyika.

Kuvapo rakafara samambure zvokutsinhanisa mufambi kuti macheki kurerutsa kurasikirwa nguva imwe kudzikinurwa uye kudzorerwa. Panguva pfungwa American Express mufambi kuti macheki kuchinjana kutenga uye kutengesa asina basa. Nokuti mabasa pamwe mufambi kuti macheki yeGmail.END_STRONG inoda pasipoti kana chitupa chokutyaira.

Kushandiswa macheki senzira muripo ine zvainovhiringidzawo ayo: pashure rokutendeutsa macheki vacharamba kushandisa mari imwe nyika. Mukuwedzera, tsvaga pfungwa rwokutenga / kutengesa macheki uye vatenge navo unofanira kupedza imwe nguva.

Russian chaizvoizvo

The Russian mufambi wacho macheki "American Express" akazviratidza achitenda Sberbank 1994. Macheki mashandiro vakatakura anopfuura 6 zviuru Sberbank mapazi munyika. Mumakore akatevera makore 10 nokuti Implementation remapazi chokuita macheki uye nezvimwe mudzimba nemabhangi, iyo pave nokuwedzera zvinobatsira macheki pakati vokuRussia.

Panyaya iyi, mukuru mukuru achishandisa muripo mufambi macheki havana munyika yedu. Vakanzi kushandiswa semudziyo mari uye dzimwe mari mari, uyewo yokufamba dzakawanda. Sberbank kweRussia muna 2008, akava mutungamiri nyika undisputed iri kutengeswa American Express kuongororwa pakutevedzera navo vanosvika $ 1 bhiriyoni. Yakanga panguva zvemari dambudziko, vokuRussia akatanga chirwirangwe kutenga mufambi wacho macheki. Sberbank kweRussia panguva iyoyo yakawanikwa vazhinji macheki kuti gare gare, uye vasina kutengeswa chose kunze.

Zvishoma nezvishoma kudiwa macheki rotanga kuvira uye muna 2011 mumari Bank akaita yakatanga itsva, dzakanyora pamwe chete American Express chirongwa nyaya shoma uye super-shoma nemakadhi.

Folding kushanda pamwe macheki

Ndapora kubva 2008 dambudziko, vakawanda mudzimba nemabhangi uyewo nokukurumidza kuti ape makadhi uye kuwana yayo kugadzira centre. The kuwedzera kukurumbira vasiri mari kubhadhara uye kukura nomumbure kugamuchirwa makadhi zvachose vasanyanya zvinobatsira mufambi wacho macheki. Mumwe wokutanga vakasiya kwema ne macheki Bank "VTB" muRussia. Izvi zvakaitika muna February 2012, pashure kuchinja management kwemutongo tsika.

yakafanana chisarudzo rakakundwa Sberbank kweRussia uye vakamutevera. Sezvo March 2013 rakanga dzakavharwa chose akavhiyiwa kuti kutenga, sale, nyaya refunds uye kunyoresa nhaka mufambi wacho macheki. Sberbank chakaita zviito ake vanofanira optimize kuti chitoro chigadzirwa mutsetse uye kuderedza mari mari zvakanaka mabasa kune vanhu. Sberbank nyanzvi yakataurawo kuti vaishanda vose American Express pakadhi zvigadzirwa acharamba.

Zvichitevera mumari Bank kusarudza kupururudza akavhiyiwa vose mufambi kuti macheki kubva May 2013 akazivisa "Raiffeisen Bank".

Kugumiswa rokutengesa

Dzarasika zhinji pfungwa waakazvitengesa kuRussia, American Express Company kubva August 1, 2013 akamanikidzwa kurega kutengeswa mufambi wacho macheki. The pamutemo nzvimbo boka raiva nechokwadi kuti somugumisiro zvakadzama uye nzwisisika kuongorora nenyanzvi dzaro vakasvika pakugumisa kuti chinokosha kuderera kudiwa ichi basa kubva vokuRussia. Humwe kutengesa mufambi kuti macheki yokuRussia kunozivikanwa sezvo maturo.

All kare atengesa macheki kuchava risina parinogumira refu. Cash navo achiri anogona kuburikidza mvumo mabhanga, uyewo mufambi wacho macheki mukutsinhana pfungwa pasi pose.

Mikuru mabhanga Russian chete "Svyaz-Bank" anozivisa kuti iye anogamuchira mufambi wacho macheki. Havagoni kutenga nhasi. Cash macheki, denominated mune madhora uye euros, zvinogona akatendeukira kuhofisi musoro kana Regional matavi rokubhengi uye kubhadhara muripo weUS 2.5% kubva aizviti ukoshi.

Back to Ramangwana

Makore mashomanana apfuura, nezvoupfumi vazhinji vakatenda kuti macheki mufambi vari zvachose yechinyakare, ne epurasitiki makadhi. Nhasi, pfungwa iyi hachiratidzi pachena kudaro. Kibermoshennichestva kakawanda kacho, uyewo achangobuda zviitiko chaivharidzira muripo hurongwa Visa uye Mastercard kwema pamusoro nemakadhi mabhanga akawanda Russian, akaratidza zvakajeka zvose zvisina kumativi ichi muripo chiridzwa.

Yokuisira ose epurasitiki makadhi vouta mabhanga iri kwose, havana kukwanisa kushandisa mari yavo. Vakawanda vavo vari ichi nguva negodo varidzi mufambi wacho macheki, zviripo, kubudikidza tsanangudzo, haagoni kuva mumamiriro ezvinhu aya.

macheki mufambi hazvisi akarasika kukurumbira kwayo munguva pose kuparadzirwa asiri mari kubhadhara. Mushure remakore nehafu namarudzi kanda, vanoramba kuva nyore uye yakavimbika nzira iri mari.