Ukuqonda izinhlobo ezahlukene zamalayisensi ezezimali e-Germany
E-Germany, kunezinhlobo ezimbalwa zamalayisensi ezezimali alawulwa uMthetho Wezinkonzo Zezimali (KWG) e-Germany. Lawa malayisensi ayadingeka e-Germany ukuze kwenziwe imisebenzi yezezimali e-Germany efana nokuphathwa kwesikhwama e-Germany, i-brokerage yezibambiso e-Germany, iseluleko sokutshalwa kwezimali e-Germany kanye nokuphathwa kwengcebo e-Germany.
Ilayisense yokuqala yilayisense yasebhange yaseJalimane, edingekayo ukwenza imisebenzi yasebhange njengokuvula ama-akhawunti asebhange eJalimane, ukunikeza imali mboleko kanye nokuphatha amadiphozithi eJalimane. Ilayisensi yasebhange eJalimane ilawulwa umthetho wamabhange aseJalimane kanye namabhange okonga (KWG) eJalimane.
Ilayisense yesibili e-Germany ilayisense yokutshalwa kwezimali, edingekayo ukuze kwenziwe imisebenzi yokutshala imali efana ne-stock brokerage e-Germany, iseluleko sokutshalwa kwezimali kanye nokuphathwa kwengcebo e-Germany. Ilayisense yokutshala imali ilawulwa uMthetho Wezinkonzo Zotshalomali (WpHG) eJalimane.
Ilayisense yesithathu eJalimane ilayisense yomshwalense, edingekayo ukwenza imisebenzi yomshwalense njengokubhala phansi kanye nokuphatha izinkontileka zomshwalense eJalimane. Ilayisensi yomshwalense ilawulwa uMthetho Womshuwalense (VAG) eJalimane.
Okokugcina, ilayisense yesine ilayisense yokuphatha isikhwama sase-Germany, edingekayo ukuze kwenziwe imisebenzi yokuphatha isikhwama esifana nokuphathwa kwesikhwama sokubambisana kanye nokuphathwa kwesikhwama sokutshalwa kwezimali eJalimane. Ilayisense yokuphatha isikhwama ilawulwa uMthetho Wezikhwama Zombili (i-KAGB) eJalimane.
Kafushane, e-Germany e-Germany kunezinhlobo ezine zamalayisense ezezimali alawulwa yi-Financial Services Act (KWG) e-Germany. Lawa malayisensi adingeka ukwenza imisebenzi yezezimali efana nokuphathwa kwesikhwama e-Germany, i-brokerage yezibambiso e-Germany, iseluleko sokutshalwa kwezimali kanye nokuphathwa kwengcebo e-Germany.
Ungalithola kanjani ilayisense lezezimali eJalimane
Ukuze uthole ilayisensi yezezimali eJalimane, kufanele uhlangabezane nenani lemibandela eJalimane. Okokuqala, kufanele ube neziqu zasenyuvesi noma idigri elilinganayo elamukelwa izwe laseJalimane. Ngaphezu kwalokho, kufanele ube nolwazi olunzulu ngemithetho nemithetho yezezimali yaseJalimane kanye nokuqonda kahle izimiso eziyisisekelo zezimali nokubalwa kwezimali eJalimane.
Ukwengeza, kufanele uphumelele ukuhlolwa kwelayisense yezezimali yaseJalimane, ehlelwa yi-Federal Authority Yezimakethe Zezezimali (BaFin). Ukuhlolwa kuhlanganisa imibuzo ngezimiso eziyisisekelo zezimali nokubalwa kwezimali eJalimane, kanye nemithetho nezimiso zezimali zaseJalimane. Uma usuphumelele ukuhlolwa, ungafaka isicelo selayisensi yezezimali kwa-BaFin.
Uma usulitholile ilayisensi yakho eJalimane, kufanele ubhalise ne-Federal Financial Markets Authority futhi uhlolwe njalo eJalimane. Kufanele futhi uqiniseke ukuthi uyahlangabezana nezidingo zokuthobela nokungafihli lutho e-Germany.
Okokugcina, kufanele uqinisekise ukuthi unokuma okuhle nemithetho nezimiso zezezimali zaseJalimane nokuthi uthobela izindinganiso zokuziphatha nezomsebenzi. Uma usuhlangabezane nazo zonke lezi zidingo, uzokwazi ukuthola ilayisense yezezimali eJalimane.
Izinzuzo kanye nokubi kwamalayisensi ezezimali e-Germany
Amalayisense ezezimali e-Germany anikeza izinkampani nabantu ngabanye ngezinzuzo ezihlukahlukene kanye nokubi. Kulesi sihloko, sizobheka okuhle nokubi kokulayisensa kwezezimali eJalimane.
Izinzuzo eJalimane
Okokuqala, amalayisense ezezimali e-Germany ahlinzeka ngokuvikeleka okusemthethweni ezinkampanini nakubantu base-Germany abenza imisebenzi yezezimali e-Germany. Amalayisense ezezimali akhishwa iziphathimandla ezilawulayo zaseJalimane futhi aklanyelwe ukuvikela abathengi nabatshalizimali emikhubeni yebhizinisi ehlukumezayo nokukhwabanisa e-Germany.
Okwesibili, amalayisense ezezimali eJalimane anikeza amabhizinisi nabantu ngabanye eJalimane ukuguquguquka okukhulu nokuphepha. Amalayisense ezezimali avumela amabhizinisi nabantu ngabanye e-Germany ukuthi benze imisebenzi yezezimali ngaphandle kokwesaba izinyathelo zomthetho noma izinhlawulo.
Okokugcina, amalayisense ezezimali eJalimane anikeza izinkampani nabantu ngabanye ukucaca okukhulu nokuziphendulela eJalimane. Izinkampani nabantu ngabanye abanelayisensi yezezimali kudingeka ukuthi bathobele imithetho nezimiso zezezimali zaseJalimane futhi banikeze ulwazi olunembile noluphelele kuziphathimandla ezilawulayo eJalimane.
Ukungalungi eJalimane
Ngeshwa, amalayisense ezezimali e-Germany nawo anesimo esibi. Okokuqala, amalayisensi ezezimali ayabiza futhi kungaba nzima ukuwathola eJalimane. Amabhizinisi nabantu baseJalimane bavamise ukuthi badlule kuhlelo oluqinile lokufaka izicelo kanye nenqubo yokuqinisekisa ngaphambi kokuthola ilayisense yezezimali eJalimane.
Okwesibili, ukulayisensa kwezezimali eJalimane kungaphansi kwemikhawulo eqinile nezimfuneko. Izinkampani nabantu ngabanye abanelayisensi yezezimali kumele bathobele imithetho nemithetho yezezimali yaseJalimane futhi kudingeka banikeze ulwazi olunembile noluphelele kuziphathimandla ezilawulayo.
Okokugcina, amalayisense ezezimali e-Germany angahoxiswa uma izinkampani nabantu ngabanye bengahambisani nemithetho nezimiso zezimali zaseJalimane. Izinkampani nabantu abangabodwana abehlulekayo ukuthobela imithetho nemithetho yezezimali yase-Germany bangase bathathelwe izinyathelo zomthetho nezijeziso e-Germany.
Sengiphetha, amalayisense ezezimali eJalimane anikeza izinkampani nabantu ngabanye ngezinzuzo nezinkinga ezihlukahlukene. Amabhizinisi nabantu base-Germany abanelayisensi yezezimali bajabulela ukuvikeleka okungokomthetho, ukuguquguquka okukhulu nokuvikeleka, kodwa kufanele futhi bathobele imithetho nezimiso zezezimali zaseJalimane futhi bangase babhekane nokushushiswa. izinyathelo zomthetho nezijeziso uma behluleka ukwenza kanjalo.
Imithetho kanye nezimfuneko zamalayisensi ezezimali e-Germany
Ukulawulwa kwezezimali e-Germany kubuswa i-Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), isiphathimandla sombuso wase-Germany esilawula amasevisi ezezimali e-Germany. I-BaFin inomthwalo wemfanelo wokwengamela nokulawula umkhakha wezezimali waseJalimane, okuhlanganisa amabhange, abadayisi, abashwalensi kanye nezikhwama zokutshalwa kwezimali eJalimane.
Ukwenza ibhizinisi lezezimali eJalimane, izinkampani kufanele zithole ilayisense kwa-BaFin. Izinkampani ezifisa ukuthola ilayisensi kufanele zihlangabezane nenani lemibandela nemibandela. Lezi zindlela zokunquma nemibandela zihlanganisa imali, i-solvency, ukulawulwa kwezinhlekelele kanye nezidingo zokuhambisana. Izinkampani zaseJalimane kufanele futhi zinikeze ulwazi mayelana nemisebenzi yazo nemikhiqizo yezezimali.
Izinkampani ezithola ilayisense ye-BaFin kufanele futhi zithobele imithetho nemigomo eminingi. Le mithetho nemithethonqubo ihlanganisa izidingo zokudalulwa, ukubeka izinto obala kanye nokuvikela abatshalizimali. Izinkampani zase-Germany kumele nazo zithobelane nezidingo zokubika kanye nokugadwa kwemakethe.
Okokugcina, izinkampani ezithola ilayisense ye-BaFin kufanele futhi zithobele izimfuneko zokuhambisana nokuphikisana nokushushumbiswa kwemali. Izinkampani kufanele zenze izinqubo kanye nokulawula kwangaphakathi ukuze ziqinisekise ukuthi ziyahambisana nemithetho nemithethonqubo esebenzayo.
Amathrendi amanje nawesikhathi esizayo ekunikezeni amalayisense ezezimali e-Germany
E-Germany, amalayisense ezezimali ayathuthuka futhi aya ngokuya elawulwa. Abalawuli baseJalimane baba lukhuni ekunikezeni amalayisensi ezezimali futhi badinga izinkampani ukuthi zihambisane nemithetho nemithethonqubo esebenzayo.
Abalawuli baseJalimane bethule izidingo eziqinile zezinkampani ezifuna ilayisense yezezimali. Izinkampani manje kufanele zinikeze ulwazi oluningiliziwe mayelana nemisebenzi yazo kanye nezezimali eJalimane, futhi kufanele futhi zibonise ukuthi ziyakwazi ukuhlangabezana nezidingo zokulawula. Amabhizinisi ase-Germany kumele futhi afakazele ukuthi anezinsiza ezidingekayo zokuphatha imisebenzi yawo yezezimali nokuthi ayakwazi ukuhlinzeka ngezinsizakalo zezezimali ezisezingeni eliphezulu e-Germany.
Abalawuli baseJalimane nabo babeke izidingo eziqinile ezinkampanini ezifuna ilayisense yezezimali eJalimane. Izinkampani zaseJalimane manje kufanele zinikeze imininingwane enemininingwane mayelana nemisebenzi yazo kanye nezezimali, futhi kufanele futhi zifakazele ukuthi ziyakwazi ukuhlangabezana nezidingo zokulawula. Amabhizinisi ase-Germany kufanele futhi afakazele ukuthi anezinsiza ezidingekayo zokuphatha imisebenzi yawo yezezimali e-Germany nokuthi ayakwazi ukuhlinzeka ngezinsizakalo zezezimali ezisezingeni eliphezulu e-Germany.
Izimo zamanje nezesikhathi esizayo zokunikezwa kwelayisensi yezezimali eJalimane ngakho-ke ziqine kakhulu futhi zidinga izinkampani ukuthi zithobele imithetho nemithetho esebenzayo. Izinkampani kufanele zinikeze ulwazi oluningiliziwe mayelana nemisebenzi yazo kanye nezezimali futhi zibonise ukuthi ziyakwazi ukuhlangabezana nezidingo zokulawula. Izinkampani zaseJalimane kufanele futhi zibonise ukuthi zinezinsiza ezidingekayo zokuphatha imisebenzi yazo yezezimali nokuthi ziyakwazi ukuhlinzeka ngezinsizakalo zezezimali ezisezingeni eliphezulu. Abalawuli baseJalimane bazoqhubeka nokubeka izidingo eziqinile ezinkampanini ezifuna ilayisense yezezimali eJalimane.
