Qonda izinhlobo ezahlukene zamalayisensi ezezimali atholakala e-Tunisia
E-Tunisia, kunezinhlobo ezimbalwa zamalayisense ezezimali atholakalela amabhizinisi nabantu ngabanye. Lawa malayisensi akhishwa i-Autorité des Marchés Financiers (AMF) futhi alawulwa ngumthetho ongunombolo. 2016-45 wangomhla zingama-28 kuJuni, 2016 ohlobene nezimakethe zezimali.
Ilayisensi yokuqala yezezimali etholakala e-Tunisia ilayisense yomthengisi wezibambiso. Le layisensi ivumela inkampani noma umuntu ukuthi ahwebe ngezimakethe zezimali, okuhlanganisa amasheya, amabhondi nokuphuma kokunye.
Ilayisensi yesibili yezezimali etholakala e-Tunisia ilayisense yomphathi wephothifoliyo. Le layisensi ivumela inkampani noma umuntu ukuthi aphathe iphothifoliyo yokutshalwa kwezimali egameni lezinkampani zangaphandle.
Ilayisensi yesithathu yezezimali etholakala e-Tunisia ilayisense yomeluleki wokutshalwa kwezimali. Le layisensi ivumela inkampani noma umuntu ukuthi anikeze iseluleko sokutshala izimali namasevisi kumakhasimende.
Ilayisense yesine yezezimali etholakala e-Tunisia ilayisense yomthengisi wemali. Le layisensi ivumela inkampani noma umuntu ukuthi ahwebe ngezinhlobo zemali ezimakethe zezimali.
Okokugcina, ilayisense yesihlanu yezezimali etholakala e-Tunisia ilayisense yomthengisi wezimpahla. Le layisensi ivumela inkampani noma umuntu ukuthi ahwebe ngezimpahla ezimakethe zezimali.
Kafushane, e-Tunisia, kunezinhlobo ezinhlanu zamalayisense ezezimali atholakalayo kumabhizinisi nakubantu ngabanye. Lawa malayisensi akhishwa yi-AMF futhi alawulwa ngumthetho ongunombolo 2016-45 wangomhla zingama-28 kuNhlangulana, 2016 ophathelene nezimakethe zezimali.
Ungalithola kanjani ilayisense lezezimali eTunisia
Ukuze uthole ilayisense yezezimali e-Tunisia, kufanele ulandele izinyathelo ezimbalwa. Okokuqala, kufanele ugcwalise ifomu lesicelo selayisensi neBhange Elikhulu LaseTunisia (BCT). Kufanele futhi unikeze ngamadokhumenti asekelayo njengezitatimende zasebhange, izitatimende zezimali, namadokhumenti ahlobene nebhizinisi lakho. Uma usuligcwalisile ifomu futhi unikeze imibhalo edingekayo, kufanele uthumele isicelo sakho ku-BCT.
I-BCT izobe isibuyekeza isicelo sakho bese inquma ukuthi uyafaneleka yini ukuthola ilayisensi yezezimali. Uma isicelo sakho sivunyiwe, uzothola incwadi yesaziso evela kwa-BCT. Ngemuva kwalokho uzodinga ukukhokha imali yelayisensi futhi unikeze imibhalo eyengeziwe ukuze ugcwalise isicelo sakho. Uma usukhokhe izindleko futhi unikeze imibhalo edingekayo, i-BCT izokhipha ilayisense yakho yezezimali.
Kubalulekile ukuqaphela ukuthi ukuze uthole ilayisense yezezimali e-Tunisia, kufanele uhambisane nemithetho neziqondiso zezezimali zamanje. Kufanele futhi uqinisekise ukuthi unamakhono adingekayo nolwazi lokwenza umsebenzi wezezimali.
Izinzuzo kanye nokubi kwezinhlobo ezahlukene zamalayisensi ezezimali e-Tunisia
Amalayisense ezezimali e-Tunisia angamadokhumenti asemthethweni agunyaza inkampani ukuthi ihlanganyele emsebenzini wezezimali. Kunezinhlobo ezimbalwa zamalayisensi ezezimali e-Tunisia, ngayinye enezinzuzo zayo kanye nokubi.
Ilayisensi yokuqala yezezimali eTunisia ilayisense yasebhange. Le layisensi ivumela ibhizinisi ukuthi linikeze izinsizakalo zasebhange, ezifana nemalimboleko, amadiphozithi, namasevisi okudlulisa imali. Izinzuzo zale layisense ukuthi inikeza ukuvikeleka okwengeziwe nokuvikeleka kumakhasimende futhi ivumela inkampani ukuthi ijabulele ukubonakala okukhulu nokuqwashisa ngomkhiqizo. Kodwa-ke, le layisensi ibiza kakhulu futhi idinga ukubhekwa nokulawulwa okuqinile.
Uhlobo lwesibili lwelayisense yezezimali eTunisia ilayisense yokuthengisa. Le layisensi ivumela inkampani ukuthi ihlinzeke ngamasevisi okuhweba, njengokuhweba ngemali, izitoko, namabhondi. Izinzuzo zale layisense ukuthi inikeza ukuguquguquka okukhulu kanye nenkululeko ezinkampanini futhi ivumela izinkampani ukuthi zizuze ekubonakaleni okukhulu kanye nokwaziwa okukhulu. Kodwa-ke, le layisensi ibiza kakhulu futhi idinga ukubhekwa nokulawulwa okuqinile.
Uhlobo lwesithathu lwelayisensi yezezimali e-Tunisia ilayisense yokuphatha ingcebo. Le layisensi ivumela inkampani ukuthi inikeze izinsiza zokuphatha ingcebo, njengokuphathwa kwempahla notshalomali. Izinzuzo zale layisense ukuthi inikeza ukuguquguquka okukhulu kanye nenkululeko ezinkampanini futhi ivumela izinkampani ukuthi zizuze ekubonakaleni okukhulu kanye nokwaziwa okukhulu. Kodwa-ke, le layisensi ibiza kakhulu futhi idinga ukubhekwa nokulawulwa okuqinile.
Okokugcina, uhlobo lwesine lwelayisense yezezimali e-Tunisia ilayisense yomthengisi wamasheya. Le layisense ivumela inkampani ukuthi inikeze izinsiza zokuthengiselana ngezibambiso, njengokuhweba ngamasheya namabhondi. Izinzuzo zale layisense ukuthi inikeza ukuguquguquka okukhulu kanye nenkululeko ezinkampanini futhi ivumela izinkampani ukuthi zizuze ekubonakaleni okukhulu kanye nokwaziwa okukhulu. Kodwa-ke, le layisensi ibiza kakhulu futhi idinga ukubhekwa nokulawulwa okuqinile.
Sengiphetha, amalayisense ezezimali e-Tunisia anikeza izinkampani ukuguquguquka okukhulu nenkululeko, kodwa abiza kakhulu futhi adinga ukuqapha nokulawulwa okuqinile. Kubalulekile ukuqonda ubuhle nobubi bohlobo ngalunye lwelayisense ngaphambi kokwenza isinqumo.
Imithetho kanye nezimfuneko zamalayisensi ezezimali e-Tunisia
E-Tunisia, imithetho kanye nezimfuneko zamalayisense ezezimali zilawulwa uMthetho No. 2016-45 wangomhla zingama-28 kuJulayi, 2016 ohlobene nezinsizakalo zezezimali nezimakethe zezimali. Lo mthetho uchaza izimo nezinqubo okufanele zilandelwe ukuze kutholwe ilayisensi yezezimali futhi uchaza izibopho nezibopho zezinkampani ezifisa ukunikeza izinsizakalo zezezimali.
Ukuthola ilayisense yezezimali e-Tunisia, izinkampani kufanele ziqale zifake isicelo ku-Financial Services Authority (ASF). Isicelo kufanele sihambisane nochungechunge lwamadokhumenti, okuhlanganisa uhlelo lwebhizinisi, ulwazi ngabaninimasheya nabaqondisi, ulwazi ngemikhiqizo namasevisi ahlinzekwayo, kanye nolwazi lwe-solvency kanye ne-liquidity.
Uma isicelo sesamukelwe, i-ASF izobuyekeza ifayela bese ikhiphela inkampani ilayisense yezezimali uma ithola ukuthi inkampani iyahlangabezana nemibandela nezidingo zokulawula. Amabhizinisi kufanele ahambisane nezidingo zokulawula kanye namazinga e-ASF ukuze agcine amalayisensi awo.
Izinkampani ezihlinzeka ngezinsizakalo zezezimali e-Tunisia kufanele futhi zithobelane nemithetho nemithethonqubo esebenzayo kazwelonke neyamazwe ngamazwe. Kufanele futhi baqinisekise ukuthi banezinsiza namakhono adingekayo ukuze banikeze izinsizakalo zezezimali ezisezingeni eliphezulu futhi bahambisane nezindinganiso ze-ASF.
Amathrendi amanje nawesikhathi esizayo ekunikezeni amalayisense ezezimali e-Tunisia
E-Tunisia, amalayisense ezezimali ayathuthuka futhi aya ngokuya edingeka. Amabhizinisi nabantu ngabanye bafuna izixazululo ezintsha zokuphatha izimali zabo nokutshalwa kwezimali. Amalayisense ezezimali anikezela ngezinsizakalo ezahlukahlukene nemikhiqizo engasiza ukufeza lezi zinhloso.
Izitayela zamanje zokuthola amalayisensi ezezimali e-Tunisia zigxile kakhulu ekusetshenzisweni kobuchwepheshe bedijithali ukuthuthukisa ukusebenza kahle nokuvikeleka kwezinsizakalo zezezimali. Amabhizinisi nabantu ngabanye sebengakwazi manje ukufinyelela izinsiza zezezimali ku-inthanethi, okwenza kube lula futhi kusheshe ukuphatha izimali zabo nokutshalwa kwezimali. Ukwengeza, ubuchwepheshe bedijithali buvumela izinkampani ukuthi ziqaphe imisebenzi yazo yezezimali futhi zenze izinqumo ezinolwazi.
Amathrendi wesikhathi esizayo ekunikezeni amalayisense ezezimali e-Tunisia agxile ekusebenziseni ubuhlakani bokwenziwa nobuchwepheshe bokufunda komshini ukuthuthukisa amasevisi ezezimali. Amabhizinisi nabantu ngabanye bazokwazi ukuzuza ezinhlelweni zezezimali ezenzelwe umuntu siqu nezinembe kakhulu ngokusebenzisa ubuhlakani bokwenziwa nokufunda komshini. Ngaphezu kwalokho, lobu buchwepheshe buzovumela amabhizinisi ukuthi aqaphe imisebenzi yawo yezezimali ngempumelelo futhi enze izinqumo ezinolwazi.
Sengiphetha, amalayisense ezezimali e-Tunisia ayathuthuka futhi aya ngokuya edingeka. Amabhizinisi nabantu ngabanye bafuna izixazululo ezintsha zokuphatha izimali zabo nokutshalwa kwezimali. Amathrendi amanje nawesikhathi esizayo ekunikezeni amalayisensi ezezimali e-Tunisia agxile ekusetshenzisweni kobuchwepheshe bedijithali nobuhlakani bokwenziwa ukuze kuthuthukiswe ukusebenza kahle nokuvikeleka kwezinsizakalo zezezimali.
