• Okuqukethwe

  • Ilayisensi yasebhange eCanada? Thola Ilayisensi Yebhange eCanada
  • Iyini ilayisensi yasebhange eCanada?
  • Izidingo zokuthola ilayisense yasebhange eCanada
  • Izinyathelo zokuthola ilayisensi yasebhange e-Canada
  • 1. Ukulungiselela uhlelo lwebhizinisi
  • 2. Isicelo selayisensi
  • 3. Ukuhlolwa kwesicelo
  • 4. Isinqumo se-AMF
  • Izibonelo zamabhange eCanada
  • 1. I-Royal Bank of Canada (RBC)
  • 2. I-Toronto-Dominion Bank (TD)
  • 3. Ibhange laseMontreal (BMO)
  • Isiphetho

Ilayisensi yasebhange eCanada? Thola Ilayisensi Yebhange eCanada

Umkhakha wamabhange waseCanada ungomunye wamandla futhi olawulwa kakhulu emhlabeni. Amabhange aseCanada adume ngokusimama kwawo kwezezimali, ukubeka izinto obala nokuzibophezela ekuvikeleni abathengi. Uma ungathanda ukuthola ilayisense yasebhange e-Canada, kubalulekile ukuqonda izidingo zokulawula kanye nezinyathelo ezihilelekile ekutholeni ilayisense.

Iyini ilayisensi yasebhange eCanada?

Ilayisensi yasebhange ukugunyazwa okukhishwe i-Autorité des marchés financiers (AMF) yase-Canada evumela inkampani ukuthi inikeze izinsiza zebhange emphakathini. Izinsizakalo zasebhange zihlanganisa ukuqoqa imali efakwayo, ukunikeza imali mboleko, ukuphatha ama-akhawunti ediphozi kanye nokuhlinzeka ngezinsizakalo zokukhokha. Amabhange aseCanada alawulwa yi-Canadian Bank Act futhi aqondiswa yiHhovisi Lomphathi Wezikhungo Zezezimali (OSFI).

Izidingo zokuthola ilayisense yasebhange eCanada

Ukuze uthole ilayisense yasebhange e-Canada, ibhizinisi kufanele lihlangabezane nenani lezidingo zokulawula. Lezi zidingo zifaka:

• Isakhiwo senhlangano esiqinile: Inkampani kufanele ibe nesakhiwo esiqinile esihlanganisa ibhodi labaqondisi abanekhono kanye nethimba labaphathi abanolwazi.
• Uhlelo lwebhizinisi oluqinile: Inkampani kufanele ibe nohlelo lwebhizinisi oluqinile olukhombisa ikhono layo lokuhlinzeka ngezinsizakalo zamabhange ngendlela enenzuzo neqhubekayo.
• Imali eyanele: Inkampani kufanele ibe nemali eyanele ukumboza ubungozi obuhambisana nemisebenzi yayo yasebhange. Isidingo esincane semali ebhange eCanada singu-C $ 10 wezigidi.
• Umshwalense wediphozithi: Inkampani kufanele ithathe umshwalense wediphozithi ukuze ivikele amadiphozithi amakhasimende ayo uma kwenzeka eqothuka.
• Ukuthobela ngokomthetho: Inkampani kufanele ihambisane nayo yonke imithetho esebenzayo neziqondiso, okuhlanganisa noMthetho Webhange LaseCanada kanye nemithetho ye-OSFI.

Izinyathelo zokuthola ilayisensi yasebhange e-Canada

Inqubo yokuthola ilayisense yasebhange eCanada ingathatha izinyanga ezimbalwa noma iminyaka. Izinyathelo ezijwayelekile zokuthola ilayisense yasebhange e-Canada zifaka:

1. Ukulungiselela uhlelo lwebhizinisi

Isinyathelo sokuqala sokuthola ilayisense yasebhange eCanada ukulungisa uhlelo lwebhizinisi oluqinile. Uhlelo lwebhizinisi kufanele luchaze kabanzi ngemisebenzi yasebhange uhlelo lwebhizinisi oluzoqhutshwa, izimakethe elihlela ukuzisebenzisa, imikhiqizo namasevisi elihlela ukuwanikeza, kanye nokuqagela kwezezimali eminyakeni emihlanu ezayo.

2. Isicelo selayisensi

Uma uhlelo lwebhizinisi selulungile, inkampani ingathumela isicelo selayisense kwa-AMF. Isicelo kufanele sifake imininingwane enemininingwane mayelana nenkampani, okuhlanganisa nesakhiwo sayo, imali, izikhulu kanye nabanikazi bamasheya. I-AMF izohlola isicelo futhi ingase icele ulwazi olwengeziwe noma izincazelo uma kunesidingo.

3. Ukuhlolwa kwesicelo

Uma i-AMF isisitholile isicelo selayisensi, izobuyekeza isicelo ukuze iqinisekise ukuthi inkampani ihlangabezana nazo zonke izidingo zokulawula. I-AMF ingakwazi futhi ukwenza umsebenzi ofanele wenkampani ukuze iqinisekise ukuthi abaphathi bayo nabaninimasheya banekhono futhi banokwethenjelwa.

4. Isinqumo se-AMF

Ngemva kokubuyekeza isicelo selayisense nokwenza ngokucophelela, i-AMF izothatha isinqumo sokuthi izoyinikeza yini ilayisensi. Uma i-AMF yanelisekile ngokuthi ibhizinisi lihlangabezana nazo zonke izidingo zokulawula, izokhipha ilayisense yasebhange yebhizinisi. Uma i-AMF inokukhathazeka mayelana nekhono lenkampani lokuhlinzeka ngezinsizakalo zasebhange ngokuphepha nangenzuzo, ingase isenqabe isicelo selayisensi.

Izibonelo zamabhange eCanada

I-Canada inamabhange amakhulu amaningana aziwa kakhulu ngokusimama kwezezimali nokuzibophezela ekuvikeleni abathengi. Nazi ezinye izibonelo zamabhange aseCanada:

1. I-Royal Bank of Canada (RBC)

I-Royal Bank of Canada (RBC) iyibhange elikhulu kunawo wonke e-Canada ngempahla nangemali yemakethe. I-RBC inikeza uhla olugcwele lwezinsizakalo zasebhange kubantu ngabanye, amabhizinisi kanye nabatshalizimali, okuhlanganisa ukuboleka, idiphozithi, ukuphatha ingcebo kanye nezinsizakalo zokuthengisa.

2. I-Toronto-Dominion Bank (TD)

I-Toronto-Dominion Bank (TD) iyibhange lesibili ngobukhulu e-Canada ngempahla nangemali yemakethe. I-TD inikeza uhla olugcwele lwezinsizakalo zebhange zomuntu siqu, zebhizinisi kanye nabatshalizimali, okuhlanganisa ukuboleka, idiphozithi, ukuphathwa kwengcebo kanye nezinsizakalo zokuthengisa.

3. Ibhange laseMontreal (BMO)

I-Bank of Montreal (BMO) iyibhange lesine ngobukhulu e-Canada ngempahla nangemali yemakethe. I-BMO inikeza uhla olugcwele lwezinsizakalo zasebhange kubantu ngabanye, amabhizinisi kanye nabatshalizimali, okuhlanganisa ukuboleka, idiphozithi, ukuphathwa kwengcebo kanye nezinsizakalo zokuthengisa.

Isiphetho

Ukuthola ilayisense yasebhange e-Canada kuyinqubo eyinkimbinkimbi edinga isakhiwo esiqinile senhlangano, uhlelo lwebhizinisi oluqinile, imali eyanele, umshwalense wediphozi kanye nokuthobela imithetho. Amabhange aseCanada adume ngokusimama kwawo kwezezimali, ukubeka izinto obala nokuzibophezela ekuvikeleni abathengi. Uma ungathanda ukuthola ilayisense yasebhange e-Canada, kubalulekile ukuqonda izidingo zokulawula kanye nezinyathelo ezihilelekile ekutholeni ilayisense.