Idan kai dan kasuwa ne ko dan kasuwa wanda ya saba hada kai da bankuna da cin gajiyar ayyukansu, ka sani cewa akwai sauran nau'ikan cibiyoyin hada-hadar kudi da ke ba ka damar samun dama iri daya, amma tare da ragi. Wadannan su ake kira: bankunan membobin.
Gano, a cikin wannan labarin, duk abin da kuke buƙatar sani game da irin wannan banki. Me ake nufi bankin memba ? Menene fa'idodin zama abokin ciniki memba? Yadda ake zama memba na banki?
Menene ma'anar bankin memba?
Barka da zuwa, a banki cibiyar hada-hadar kudi ce don riba wacce manufarta ita ce adanawa da haɓaka ajiyar ku. Wannan ya ce, kamar duk kamfanoni masu riba, bankin yana da nasa ayyukan da ke ba shi damar haɓakawa. Koyaya, don ci gaba da karatun kuma ya kammala ayyukansa, bankin yana buƙatar tallafin waje. Kuma a nan ne ka'idar bankin memba.
Un ma'aikata kudi na memba shine, sama da duka, bankin juna ko haɗin gwiwa. Wannan yana ba abokin ciniki damar shiga tsakani a cikin babban birninsa ta hanyar siyan hannun jari. Kowane abokin ciniki mai riƙe hannun jari ana kiransa memba. A Faransa, alal misali, kuna iya samun bankunan membobi da yawa.
Yadda ake gane bankin memba?
za ku iya gane bankin memba ta:
- babban birninta;
- kasancewar hukumomi.
A gaskiya ma, bankunan membobin su ne, sama da duka, a classic kafa. A wasu kalmomi, bankin cibiyar sadarwa. Me yasa? To, ka yi tunanin cewa ka sayi hannun jari a wani banki, bisa doka za ka zama memba ko abokiyar kafa. Don haka, a fasahance, dole ne ku kasance kusa da bankinku, kai tsaye ko ta rassansa, domin ku sami damar cin gajiyar haƙƙoƙin daban-daban da za a ba ku a matsayin mamba.
Menene fa'idodin zama abokin ciniki memba?
Sayi hannun jari a babban birnin bankin da zama memba suna da fa'idodi da yawa, daga cikinsu:
Shiga cikin ayyukan banki
Kasance memba na banki yayi kama da matsayin abokin tarayya. Tabbas, taken memba yana ba da damar mai riƙe da shi don shiga cikin ayyukan bankin. Don haka yana da ‘yancin kada kuri’a a babban taron, a gaban ma’aikatan bankin daban-daban, musamman sauran mambobin bankin. Babu shakka, mafi girman hannun jari, ƙari muryar memba asusu a babban taron.
Yi amfani da rangwamen kuɗi akan duk ayyukan banki
Memba shine a mai zaman kansa abokin ciniki na banki. Wannan ya ce, tun da yake yana shiga cikin haɓakawa da haɓaka ayyukan bankin, na ƙarshe yana ba shi rangwame akan duk ayyukan da ake bayarwa. Ta haka ne zai sami damar karbar lamuni na banki yayin cin gajiyar ragi na riba.
Samun damar zuwa takardun banki kyauta
Ta zama memba, za ku sami dama ga duk takardun banki. Don haka za ku sami damar ganin ci gaban bankin a cikin shekarun da suka gabata, musamman ayyukan daban-daban da ya kiyaye, ta yadda zaku iya ba da shawarar wata sabuwar dabara ko ra'ayin saka hannun jari wanda zai zama babban birnin cibiyar.
Kasance farkon wanda zai san sabbin ayyukan bankin
A matsayin memba, kana da damar kasancewa cikin mutanen farko da suka fara koyo game da sabbin ayyukan da bankin ke yi wanda kake memba a ciki.
Yadda ake zama memba na banki?
Idan matsayin memba sha'awar ku, ku sani cewa hanyar zama ɗaya abu ne mai sauqi qwarai. A zahiri, kawai ku bi waɗannan matakan:
Tuntuɓi mai ba da shawara kan kuɗi na bankin da ake tambaya!
Mataki na farko shine tuntuɓar mai ba da shawara daga a bankin juna na zaɓin ku domin ku sami duk bayanan kan fa'idodi da ƙuntatawar wannan matsayin.
Ƙayyade adadin hannun jarin da kuke son siya!
Mataki na biyu shine ƙayyade da babban hannun jari cewa ka saya. Ku sani, duk da haka, an rufe hannun jari don kowa ya shiga! Koyaya, tare da Yuro 5 ko 20, zaku iya sosai zama memba.
Don haka! Yanzu kun san cewa matakai don zama mambobi suna da sauqi qwarai. Duk da haka, ya kamata ku sani cewa wannan matsayi ba mai riba ba ne, ma'ana, ba za ku sami riba a musayar gudunmawarku ba.
