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Okuqukethwe
Ilayisensi yasebhange e-Brazil? Thola Ilayisensi Yebhange e-Brazil
Isingeniso
IBrazil ingenye yezimakethe ezinkulu zamabhange eLatin America, enomkhakha wamabhange okhula njalo. Amabhange aseBrazil akhule ngokushesha eminyakeni yamuva nje, nokwanda kwesidingo sezinsizakalo zamabhange ezisezingeni eliphezulu. Lokhu kuye kwaholela ekwandeni kokuncintisana phakathi kwamabhange, okwenze izinkampani eziningi zafuna ilayisensi yasebhange eBrazil. Kulesi sihloko, sizobheka izidingo zokuthola ilayisensi yasebhange e-Brazil kanye nezinzuzo engayinikeza.
Izidingo zokuthola ilayisensi yasebhange e-Brazil
Ukuze uthole ilayisense yasebhange e-Brazil, izinkampani kufanele zihlangabezane nenani lemibandela. Okokuqala nje, kumele kube yinkampani yomphakathi elinganiselwe (SA) noma ubambiswano olulinganiselwe ngamasheya (SCA). Izinkampani kufanele futhi zibe nemali encane ebhalisiwe eyizigidi ezingu-20 zama-Brazilian reais (cishe ama-euro ayizigidi ezingu-3,5). Ngaphezu kwalokho, izinkampani kufanele zibe nebhodi labaqondisi elinamalungu okungenani amahlanu, ababili kubo kube abaqondisi abazimele.
Izinkampani kufanele futhi zihlangabezane nenani lemibandela yezezimali. Kufanele babe nesilinganiso esincane se-solvency esingu-11%, isilinganiso esincane se-liquidity esingu-2%, kanye nesilinganiso esincane senzuzo esingu-0,5%. Ukwengeza, izinkampani kumele zibe nesilinganiso esincane sokulingana esingu-8%.
Okokugcina, izinkampani kufanele zithole imvume eBhange Elikhulu LaseBrazil (BCB) ukuze zithole ilayisense yasebhange. I-BCB ibuyekeza izicelo zelayisensi yasebhange ngakunye futhi ingase idinge ulwazi olwengeziwe noma imibhalo ukuze ihlole isicelo.
Izinzuzo zokuthola ilayisensi yasebhange e-Brazil
Ukuthola ilayisensi yasebhange e-Brazil kunganikeza izinzuzo eziningi kumabhizinisi. Okokuqala, kuvumela amabhizinisi ukuthi ahlinzeke ngezinsiza eziningi zebhange, ezingakhuphula isisekelo samakhasimende kanye nemali engenayo. Amabhange anganikeza izinsizakalo ezifana nemalimboleko, ama-akhawunti okonga, amakhadi esikweletu, izinsizakalo zokushintshisana ngemali kanye nezinsizakalo zokukhokha.
Futhi, amabhange angajabulela ukwethembeka nedumela elikhulu ngokuthola ilayisense yasebhange. Amakhasimende maningi amathuba okuthi athembe ibhange elilawulwa futhi eligunyazwe yi-BCB. Lokhu kungasiza amabhange ukuthi ahehe amakhasimende amasha futhi agcine amakhasimende akhona.
Okokugcina, amabhange angazuza ekuvikelekeni okukhulu ngokuthola ilayisense yasebhange. Amabhange angaphansi kwemithetho eqinile yokuphepha kanye neyokuvikela abathengi, engasiza ekuvimbeleni ukukhwabanisa nokuhlukumeza. Amabhange nawo angaphansi kwezidingo ezijwayelekile zokubika, ezingasiza ukuvimbela imisebenzi engekho emthethweni njengokushushumbisa imali.
Izibonelo zamabhange athole ilayisensi yasebhange e-Brazil
Amabhange amaningana athole ilayisensi yasebhange eBrazil eminyakeni yamuva. Esinye sezibonelo zakamuva yibhange ledijithali i-Nubank, eyathola ilayisense yasebhange ngo-2019. I-Nubank iyibhange ledijithali elihlinzeka ngezinsizakalo zebhange ze-inthanethi neselula. Ibhange likhule ngokushesha eminyakeni yakamuva, linamakhasimende angaphezu kwezigidi ezingu-20 e-Brazil.
Esinye isibonelo ibhange iSantander Brasil, elathola ilayisensi yasebhange ngo-1982. I-Santander Brasil ingelinye lamabhange amakhulu eBrazil, elinamakhasimende angaphezu kwezigidi ezingu-40. Ibhange linikeza uhla olugcwele lwezinsizakalo zebhange, ezihlanganisa imalimboleko, ama-akhawunti okonga, amakhadi esikweletu kanye nezinsizakalo zokushintshisana ngemali.
Isiphetho
Ukuthola ilayisense yasebhange e-Brazil kunganikeza izinzuzo eziningi kumabhizinisi, okuhlanganisa ikhono lokuhlinzeka ngebanga elibanzi lamasevisi asebhange, ukwethembeka okukhulu, nokuvikelwa okungcono. Kodwa-ke, izinkampani kufanele zihlangabezane nenani lemibandela ukuze zithole ilayisense yasebhange, okuhlanganisa nokuba nenani elincane lemali yesabelo se-Brazilian reais eyizigidi ezingu-20 kanye nokuhlangabezana nemibandela eqinile yezezimali. Izinkampani kufanele futhi zithole imvume eBhange Elikhulu LaseBrazil ukuze zithole ilayisensi yasebhange.
