Ngati ndinu Investor kapena wamalonda amene ntchito kugwirizana ndi mabanki ndi kupezerapo mwayi mautumiki awo, dziwani kuti pali mitundu ina ya mabungwe azachuma amene amakulolani kupeza mwayi womwewo, koma ndi mitengo yotsika. Izi zimatchedwa: mabanki mamembala.
Dziwani, m'nkhaniyi, zonse zomwe muyenera kudziwa zokhudza mabanki amtunduwu. Kodi a zikutanthauza chiyani membala banki ? Kodi ubwino wokhala membala kasitomala ndi chiyani? Kodi mungakhale bwanji membala wa banki?
Kodi membala wa banki amatanthauza chiyani?
Monga tonse tikudziwa, banki ndi bungwe lazachuma lomwe limapanga phindu lomwe cholinga chake ndikusunga ndikukulitsa zomwe mwasunga. Izi zati, monga mabungwe onse opindulitsa, banki ili ndi ntchito zake zomwe zimalola kuti zisinthe. Komabe, kuti apitirize maphunzirowo ndikumaliza ntchito zake, banki ikufunika ndalama zakunja. Ndipo ndi kumene mfundo ya banki membala.
Un membala bungwe lazachuma ndi, koposa zonse, banki yogwirizana kapena yogwirizana. Izi zimathandiza kuti kasitomala alowererepo mu likulu lake pogula magawo. Aliyense amene ali ndi magawo amatchedwa membala. Ku France, mwachitsanzo, mungapeze mabanki angapo omwe ali mamembala.
Kodi mungadziwe bwanji membala wa banki?
Mungathe zindikirani membala wa banki ndi:
- likulu lake;
- kukhalapo kwa mabungwe.
Ndipotu, mabanki mamembala ali, koposa zonse, kukhazikitsidwa kwachikale. M'mawu ena, banki network. Chifukwa chiyani? Tangoganizani kuti mumagula masheya kubanki inayake, mudzakhala membala kapena wothandizana nawo. Chifukwa chake, mwaukadaulo, muyenera kukhala pafupi ndi banki yanu, mwachindunji kapena kudzera munthambi zake, kuti mutha kupezerapo mwayi pa maufulu osiyanasiyana omwe mungapatsidwe ngati membala.
Kodi ubwino wokhala membala kasitomala ndi chiyani?
Gulani masheya ku likulu la banki ndi kukhala membala ali ndi zabwino zingapo, mwa izi:
Tengani nawo mbali pama projekiti a banki
Khalani membala wa banki zikufanana ndi udindo wa mnzake wa kampani. Zowonadi, mutu wa membala umapereka mwayi kwa omwe ali nawo kuti atenge nawo mbali pama projekiti a banki. Choncho ali ndi ufulu wovota pamsonkhano waukulu, pamaso pa mamembala osiyanasiyana a banki, makamaka mamembala ena. Mwachiwonekere, zazikulu zogawana, ndizowonjezereka mawu a membala nkhani pa msonkhano waukulu.
Gwiritsani ntchito mwayi wochotsera pa ntchito zonse za banki
Membala ndi a kasitomala payekha kubanki. Izi zati, popeza amatenga nawo gawo pakupanga ndi kusintha kwa ntchito za bankiyo, womalizayo amamupatsa kuchotsera pa ntchito zonse zoperekedwa. Motero adzakhala ndi mwayi wotenga ngongole kubanki pamene akupindula ndi chiwongoladzanja chochepa.
Kupeza zikalata zakubanki kwaulere
Pokhala membala, mudzakhala ndi mwayi wopeza zikalata zonse zakubanki. Mudzakhala ndi mwayi wowona kusinthika kwa banki mzaka zapitazi, makamaka ma projekiti osiyanasiyana omwe adasunga, kuti mutha kupereka malingaliro atsopano kapena lingaliro lazachuma lomwe lipanga likulu la mabungwe ogwirizana.
Khalani oyamba kudziwa za ntchito zatsopano za banki
Monga membala, muli ndi mwayi wokhala m'gulu la anthu oyamba kuphunzira za ntchito zatsopano zoperekedwa ndi banki yomwe ndinu membala.
Kodi mungakhale bwanji membala wa banki?
Ngati membala zimakukondani, dziwani kuti njira yoti mukhale amodzi ndiyosavuta. M'malo mwake, muyenera kutsatira izi:
Funsani mlangizi wazachuma wa banki yomwe ikufunsidwa!
Gawo loyamba ndikufunsana ndi mlangizi wochokera ku a mutual bank zomwe mwasankha kuti mukhale ndi chidziwitso chonse pazabwino ndi zopinga za izi.
Dziwani kuchuluka kwa magawo omwe mukufuna kugula!
Gawo lachiwiri ndi ku kudziwa magawo akuluakulu kuti mumagula. Dziwani, komabe, kuti magawowa ali ochepa kuti aliyense athe kutenga nawo mbali! Komabe, ndi ma 5 kapena 20 mayuro, mutha bwino kwambiri kukhala membala.
Choncho! Inu mukudziwa tsopano kuti masitepe kuti akhale mamembala ndi zophweka kwambiri. Komabe, muyenera kudziwa kuti udindowu siwopindulitsa, mwa kuyankhula kwina, simudzalandira phindu posinthanitsa ndi chopereka chanu.
