Ikhadi letyala namhlanje lisemgangathweni. Uninzi lwamashishini (iivenkile, iivenkile zokutyela kunye neeresityu) ziyayamkela njengendlela yokuhlawula. Asisahambi siphethe imali ezipokothweni, kodwa sinekhadi kwizipaji zethu. Iibhanki ke zabeka ziyafumaneka kumalungu abo amakhadi akhethekileyo ezibizwa ngokuba ngamakhadi corporate. Ikhadi lebhanki lamazwe ngamazwe elixhasa iiprojekthi zasekhaya.

Ikhadi lenkampani, yintoni?

Ikhadi lequmrhu lifana nekhadi elidala elivumela umnini walo ukuba akhuphe imali kwii-ATM. Nangona kunjalo, ikhadi loshishino lukhetho olukhethwa ngabanye sebenzisa uncedo oluthile (iinkonzo ezahlukeneyo zoncedo kunye ne-inshorensi).

ICredit Agricole, njengazo zonke iibhanki, ibonelela ngamakhadi amalungu aluncedo kunye namalungelo angaphaya kokuba nekhadi lebhanki.

Amaxabiso athotyiweyo otyelelo kwizikhumbuzo zamalungu

Enkosi kwisivumelwano esatyikitywa ngo-2011, abanini bekhadi lelungu leCredit Agricole banokuxhamla amaxabiso akhethekileyo kwizikhumbuzo ezithile zesizwe. Isivumelwano sisandula ukuhlaziywa iminyaka emithathu: lithuba lokufumana iindawo ezikhethekileyo kulo lonke elaseFransi.

Njengelungu leCredit Agricole, unokuthatha inxaxheba ekuthathweni kwezigqibo zebhanki, kodwa hayi kuphela! Ikwayinto enokwenzeka yokuxhamla kwiingenelo ezikhethekileyo. ICredit Agricole ikuvumela ukuba uxhamle amaxabiso ancitshisiweyo kunye neenzuzo ezininzi ezikhethekileyo ngokunikezela ngekhadi lakho lobulungu kumaqabane.

Unokuxhamla kwizibonelelo kwingingqi yakho nakuzo zonke iindawo: inkcubeko, ezemidlalo, umculo, ukhenketho, njl.

ICredit Agricole isandula ukuhlaziya isivumelwano esisayinwe ngo-2011 kunye neCentre du Monument National ukuba inikezele amaxabiso eqela kumalungu esikhumbuzo, ixhaswa yiCredit Agricole Foundation.

Amatye ezikhumbuzo achaphazelekayo ngala:

  • i-Château d'Angers (€ 6,50 endaweni ye-8,50 €);
  • iPalais de Tau eReims (€ 6 endaweni ye-7,50 €);
  • Indlu kaGeorge Sand eNohant (€ 6 endaweni ye-7,50 €);
  • i-Austrian kwi-La Turbie Gustus Trophy (€ 4,50 endaweni ye-5,50 €).

Ukusukela entwasahlobo ka-2013, esi sinikezelo sandiswe kwiChâteau de Champs-sur-Marne, exhaswa ngemali nguCrédit Agricole, esavuleleke kuluntu.

Ngaphezu kweminyaka engamashumi amathathu, iCredit Agricole Pays de France Foundation, ecaleni kweCredit Agricole yeNgingqi yeBhanki, ibibandakanyeka ukubuyiselwa kunye nokwandiswa kwelifa lemveli. Ithathwa njengento esetyenziswa luluntu, injongo yayo kukuxhasa amalinge enza ilifa lemveli libe sisixhasi sokwenene sophuhliso loqoqosho kummandla.

Izibonelelo kumalungu

Zininzi iinzuzo zokuba lilungu. Ukongeza kwiinzuzo zakudala zalo naliphi na ikhadi lebhanki, oko kukuthi: intlawulo ekhawulezayo neyamazwe ngamazwe, ukuhoxiswa kwemali ngokulula nangaliphi na ixesha, kunye noncedo olwahlukeneyo kunye neenkonzo ze-inshorensi.

Ikhadi lelungu leCredit Agricole likwabonelela ngamanye amalungelo kubanini balo:

  • ikhadi leshishini: ngokuyisebenzisa, uthatha inxaxheba kuphuhliso lommandla wakho. Kwintlawulo nganye, iCredit Agricole iya kunikela ngesenti enye kwingxowa-mali ejolise ukuxhasa amanyathelo asekuhlaleni kwaye i-Tooket eyi-1 iya kunikelwa kuwe, onokuthi uyinike kwakhona kwimibutho enye okanye ngaphezulu oyikhethayo;
  • i-akhawunti yokonga amalungu: i-akhawunti yokonga egcinelwe abathengi abangamalungu, eluncedo ekuhlaleni;
  • inkqubo yokunyaniseka: izaphulelo kunye neenkqubo ezithile zokubonelela kwiimveliso, ezisebenzayo kuwe okanye kubathandekayo bakho;
  • inzuzo engeyiyo yebhanki ukuxhamla ekuncitshisweni kokungeniswa kwiimyuziyam, imiboniso, njl. Unyaka wonke;
  • wamenywa kwindibano jikelele yebhanki yendawo: umzuzu wotshintshiselwano phakathi kwamalungu kunye nebhanki, kunye nentlanganiso phakathi kwemibutho kunye neengcali zendawo;
  • izimemo zemisitho ethile eququzelelwa yibhanki okanye amahlakani ayo unyaka wonke.

Kuya kufuneka wazi nokuba unekhadi lenkampani, uya kuthathwa njengelungu elisebenzayo. Ilungu elisebenzayo linethuba lokwazi zonke iindaba eziphathelele kwibhanki yakhe (inzuzo, ulawulo, njl.) kunye nokukwazi ukuvakalisa uluvo lwakhe.

Ukongeza, unako dibana neenkokheli qho ngonyaka kwaye ufumana imbuyekezo enxulumene ne-equity exhomekeke ubukhulu becala kwintsebenzo yonyaka yebhanki yakho.