Zviziviso
Nhasi rinoratidza kupera kwenguva muhurongwa hwemabhanga hweBrazil: izuva rekupedzisira rekuita kutumira mari kuburikidza neDocumento de Ordem de Crédito (DOC). Shanduko iyi inomiririra shanduko yakakosha kuenda kunzira dzemazuva ano uye dzinoshanda dzekutumira mari. DOC, iyo yakambova imwe yenzira huru dzekutumira mari munyika, yava kupa nzvimbo kune dzimwe nzira dzinokurumidza uye dziri nyore, dzakaita sePIX. Muchinyorwa chino, tichaongorora mhedzisiro yeshanduko iyi uye zvainoreva kune vatengi nemakambani eBrazil.
Sarudzo yekumisa kutumira mari kuburikidza neDOC yauya panguva iyo Brazil iri kufambira mberi nekukurumidza yakananga kuhupfumi hwemari hwakanyanya kushandisa tekinoroji yedhijitari. Saka, nekusvika kwePIX, hurongwa hwekubhadhara nekukurumidza hwakagadzirwa neBanco Central, kushandiswa kweDOC kwakadzikira zvikuru. Ngatinzwisisei zviri nani zvikonzero zviri seri kweshanduko iyi uye kuti inobata sei mashandiro emabhanga ezuva nezuva.
Zviziviso
Onai Zvimwe: Muganhu wako waderedzwa pasina yambiro? Ziva kodzero dzako
Kuderera kweDOC nekukwira kwePIX
DOC, iyo yaibvumira kutamisirwa kwemari kusvika na22h kuti isvike pazuva rinotevera rebasa, yakarasikirwa nekukosha kwayo pakasvika PIX. Saka, hurongwa hutsva uhwu hunobvumira kutengeserana kwemari chero nguva yezuva, kusanganisira pakupera kwevhiki, pasina muripo kune vashandisi vanova vanhuwo zvavo.
Kana zvichienzaniswa, DOC yakava yechinyakare, iine huwandu hwekutengeserana hwaingova chidimbu chidiki kwazvo chehuwandu hwese hwekushanda kwemabhanga. Naizvozvo, maererano nedata reBrazilian Federation of Banks (Febraban), kutengeserana kwemhando iyi kwakasvika pamabasa mamiriyoni 18,3 chete muhafu yekutanga ya2023, zvinova zvinongowirirana ne0,05% yehuwandu hwemabasa mabhiriyoni 37 akaitwa panguva iyoyo.
Mhedzisiro yekupera kwayo kune vashandisi nemakambani
Kune vashandisi, kupera kweDOC kunoreva kujairana nenzira itsva dzekuendesa mari, kunyanya PIX. Hurongwa uhwu hahungopi kukurumidza nekuwanikwa kwakanyanya chete, asi hunobvisawo mari dzinobhadharwa dzine chekuita nedzimwe nzira dzekuendesa mari. Kumakambani, kunyanya aya aishandisa DOC kubhadhara mabhenefiti evashandi, shanduko iyi inoda kuvandudzwa kwemaitiro emari. Kuchinjira kuPIX kana dzimwe nzira dzedhijitari kunovimbisa kushanda zvakanaka nekukurumidza mukutengeserana kwemari kwemazuva ese.
Kuvharwa kwekutumirwa kwemari kuburikidza neDOC idanho rakakosha mukushanduka kwehurongwa hwebhangi hweBrazil. Kunoratidza kuwedzera kwekuda mhinduro dzedhijitari dzinokurumidza uye dzinoshanda, zvichiita kuti Brazil ienderane nemaitiro epasi rose mumabasa emari.
