Pānuitanga
Ko te rā nei te mutunga o tētahi wā i roto i te pūnaha pēke o Brazil: ko te rā whakamutunga hei whakahaere whakawhitinga mā te Documento de Ordem de Crédito (DOC). He tohu tēnei panonitanga mō te whakawhitinga nui ki ngā tikanga whakawhiti moni hou ake, whaihua ake hoki. Ko DOC, i noho nei hei ara matua mō te whakawhiti pūtea i te whenua, kua tuku wāhi ināianei ki ngā whiringa tere ake, ngāwari ake hoki, pēnei i te PIX. I roto i tēnei tuhinga, ka tirotirohia e tātou te pānga o tēnei panonitanga me tōna tikanga mō ngā kaiwhakamahi me ngā kamupene o Brazil.
Ka puta te whakatau ki te whakamutu i ngā whakawhitinga mā DOC i te wā e tere anga whakamua ana a Brazil ki tētahi pūnaha pūtea matihiko ake. Nō reira, nā te putanga mai o PIX, he pūnaha utu inamata i hangaia e te Pēke Matua, kua tino heke te whakamahinga o DOC. Me mārama ake tātou ki ngā take kei muri i tēnei panonitanga me te pānga ki ngā mahi pēke o ia rā.
Pānuitanga
Tirohia Ētahi Atu: Kua whakaitihia tō tepe kāri me te kore whakamōhiotanga i mua? Kia mōhio ki ō tika
Te hekenga o DOC me te pikinga o PIX
Ko te DOC, i āhei ai te whakawhiti pūtea tae noa ki te 10 i te pō mō te rā mahi e whai ake nei, kua kore e whai tikanga i te taenga mai o te PIX. Nō reira, ka āhei tēnei pūnaha hou ki ngā whakawhitinga pūtea i ngā wā katoa o te rā, tae atu ki ngā mutunga wiki, me te kore utu mō ngā kaiwhakamahi takitahi.
Hei whakataurite, kua tawhito kē te DOC, ā, he hautanga iti noa iho o te tapeke o ngā mahi pēke te rahi o ngā whakawhitinga. Nō reira, e ai ki ngā raraunga a te Federation of Brazilian Banks (Febraban), e 18,3 miriona noa iho ngā mahi o tēnei momo i te haurua tuatahi o 2023, arā, 0,05% noa iho o te tapeke 37 piriona o ngā mahi i mahia i taua wā.
Te pānga o te mutunga ki ngā kaiwhakamahi me ngā kamupene
Mō ngā kaiwhakamahi, ko te mutunga o te DOC he tohu i te urunga ki ngā tikanga whakawhiti hou, inā koa ko PIX. Ehara i te mea he tere ake, he wātea ake noa iho tēnei pūnaha, engari ka whakakore hoki i ngā utu e pā ana ki ētahi momo whakawhitinga. Mō ngā kamupene, ina koa ngā mea i whakamahi i te DOC mō ngā utu painga ki ngā kaimahi, me whakahou ngā tukanga pūtea nā tēnei panonitanga. Ko te whakawhiti ki PIX, ki ētahi atu tikanga matihiko rānei, e kīia ana ka pai ake, ka tere ake hoki ngā whakawhitinga pūtea o ia rā.
Ko te whakamutunga o ngā whakawhitinga mā te DOC he takahanga nui i te whanaketanga o te pūnaha pēke o Brazil. E whakaata ana tēnei i te piki haere o te hiahia ki ngā rongoā matihiko tere, whai hua hoki, e whakahāngai ana i a Brazil ki ngā ia o te ao mō ngā ratonga pūtea.
