Singamakhasimende, noma sonke, sesivele singamakhasimende anoma yiliphi ibhange. Yazi namuhla, ukuthi kubo bonke labo abafisayo, ngokuhlonipha imibandela ethile, ukuthi futhi kungenzeka ukuukuba yilunga ebhange elifanayo oxhumeke kulo. Lokhu kusho ukuthifuthi uzoba namasheya akho kuleli bhange elishiwo, okuzokuvumela ukuthi ufinyelele kumasevisi athile athile. Lokhu, eqinisweni, kungenzeka ku la Savings Bank. Silandele, kulesi sihloko, sikuchazela konke!
Kuyini ukuba yilungu lebhange?
Ukuba yilungu we-mutual bank ilingana nokuba namasheya kulelo bhange. Okwakamuva kuyafana namasheya, kepha kuveza ubungozi obuncane kakhulu futhi kukuvumela ukuthi ubambe iqhaza ezinqumweni ezithathwe yibhange. Amasheya nawo awafakwanga ohlwini lwe-stock exchange njengamasheya futhi anenani elilinganiselwe elibekwe kuma-euro angama-20. Abanjalo hhayi ngaphansi komgomo we ukunikezwa kanye nesidingo ngakho-ke ungaguquguquki. Unethuba lokuba ibuyiselwe ngokugcwele uma kudayiswa.
Izinzuzo eziningana zingavela ngokubamba iqhaza kulolu hlelo, okubaluleke kakhulu ukuthi unikezwa ithuba lokukwenza iqhaza emihlanganweni jikelele ukuze bakwazi ukujwayela amasu enkampanini. Ukuba yilungu kuhlanganisa iqhaza ngenkuthalo ukuthuthukiswa kwesevisi okunikezwa yibhange ku:
- ukulawula imisebenzi yesikhwama;
- ukuba yinxusa;
- inikeze umbono wayo mayelana namathuba okutshalwa kwezimali kanye nemikhombandlela engase ilandelwe.
Yiba yilungu le-Caisse d'Epargne
ngoba ube yilungu le-Caisse d'Epargne, kungakhathaliseki ukuthi okomuntu wemvelo noma osemthethweni, okumele ukwenze nje ukubhalisela ukwabelana. Ukuba yilungu lebhange lokonga kusho ukuba nethuba lokubamba iqhaza ezinqumweni zamasu zebhange lakho, amalungu ahileleke empilweni yebhange ngokukhetha abameleli, abaphathi kanye namalungu omhlangano omkhulu webhange lokonga. Ngakho, uyoba ngokungaqondile amandla we shintsha ukusebenza Caisse d'Epargne ukuzama ukuyithuthukisa ngangokunokwenzeka.
Le mihlangano emikhulu iba minyaka yonke, ngaleso sikhathi uzokwazi ukuxoxa ubuso nobuso nalabo abaphethe i-mutual bank kanye zabo hambisa imibono yakho, noma yiziphi iziphakamiso, njll. Akuwona nje umhlangano omkhulu wokucobelelana ngemibono, miningi eminye imicimbi ehlelwa phakathi nonyaka yibhange lokonga.
Akufanele futhi ukhohlwe ukuthi imali oyitshala ebhange lokulondoloza kuyoba utshale kabusha amaphrojekthi wendawo wonke umuntu angazuza kukho, ibhange lokulondoloza lisebenza kakhulu ngokwemibandela umnotho wobumbano futhi ungomunye wabaxhasi bayo bokuqala bezenhlalakahle. Ngokuba yilungu, uzoba nomthelela oqondile ukuthuthukisa ibhange lakho, kodwa futhi, ngendawo yakho yokuphila.
Ibhange lokonga ligcizelela izenzo zobumbano futhi alingabazi ukwenza kanjalo nika ukuhlinzeka ngezindawo. Itshala ikakhulukazi kumaphrojekthi amaningi endawo nahlangene futhi ngokutshalwa kwezimali kwakho, uyasiza bona lamaphrojekthi.
Izinzuzo zokuba yilungu le-Caisse d'Epargne
Yamukela ukuba ilungu lebhange lokonga akulona ngaphandle kwenzuzo. Ukuba namasheya kuleli bhange elihlangene kuzokulethela izinzuzo eziningi:
Iklabhu yokulondoloza imali
Les amalungu ebhange okonga babe nethuba lokuba yingxenye yeqembu elivaliwe lebhange, ubulungu bumahhala futhi kungenzeka kuwo wonke amakhasimende amadala anamasheya.
ikusasa
Ezinye izinkampani ezingaphansi kwe-Caisse d'Épargne, njengaleyo esesifundeni sase-Brittany Pays de la Loire, zibambisene nekusasa ukuze zinikeze ibhokisi lokugqoka emalungwini, ibhokisi lihlanganisa iziqondiso zesikole kanye nezomkhakha wochwepheshe ukuze kusizwe intsha ephakathi kweminyaka engu-14 nengu-25 ubudala ukuba ithuthukise amakhono ayo. Ibhokisi lekusasa okunikezwayo kumakhasimende angamalungu ebhange lokonga i-coatching eyenziwa ngezigaba ezi-3. Isinyathelo esingu-1ʳᵉ siwukuthi enze izivivinyo ezahlukene, lezi zokugcina yilezi:
- umbiko wokuma;
- BF5s, okungukuthi ukuhlolwa kobuntu;
- izivivinyo zokugqugquzela, ikakhulukazi ngokuthi "PRISM".
Isiteji se-2ᵉ yinhlolokhono enomhlahlandlela onikeza a ukugqoka okwenziwe ngesilinganiso, futhi ekugcineni, isigaba se-3ᵉ siqukethe ukuhlanganiswa neziphakamiso ezi-3 zokuma kwezemfundo noma kochwepheshe.
