Izikhangiso
Namuhla kuphawula ukuphela kwenkathi ohlelweni lwamabhange lwaseBrazil: usuku lokugcina lokwenza ukudluliselwa kwemali nge-Documento de Ordem de Crédito (DOC). Lolu shintsho lufanekisela inguquko ebalulekile eya ezindleleni zokudlulisa imali zesimanje nezisebenza kahle kakhulu. I-DOC, eyake yaba enye yezindlela eziyinhloko zokudlulisa imali ezweni, manje inikeza indawo kwezinye izindlela ezishesha nezisebenziseka kalula, njenge-PIX. Kulesi sihloko, sizohlola umthelela walolu shintsho nokuthi lusho ukuthini kubathengi nasezinkampanini zaseBrazil.
Isinqumo sokuqeda ukudluliselwa kwemali nge-DOC siza ngesikhathi lapho iBrazil ithuthukela ngokushesha ohlelweni lwezezimali lwedijithali kakhulu. Ngakho-ke, ngokufika kwe-PIX, uhlelo lwezinkokhelo ezisheshayo olwakhiwe yiBhange Elikhulu, ukusetshenziswa kwe-DOC kwehle kakhulu. Ake siqonde kangcono izizathu zalolu shintsho nokuthi luthinta kanjani imisebenzi yasebhange yansuku zonke.
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Ukwehla kwe-DOC nokukhuphuka kwe-PIX
I-DOC, eyayivumela ukudluliselwa kwezimali kuze kube u-22h kosuku olulandelayo lokusebenza, yalahlekelwa ukubaluleka kwayo ngokufika kwe-PIX. Ngale ndlela, lolu hlelo olusha luvumela ukuthengiselana kwezezimali nganoma yisiphi isikhathi sosuku, kuhlanganise nangezimpelasonto, ngaphandle kwezindleko kubasebenzisi abangabantu ngabanye.
Uma kuqhathaniswa, i-DOC yaba yisidala, nenani lokuthengiselana elalimelela ingxenye encane kakhulu yesamba semisebenzi yasebhange. Ngakho-ke, ngokwedatha ye-Federação Brasileira de Bancos (Febraban), ukuthengiselana kwale ndlela kwaba yimisebenzi eyizigidi ezingu-18,3 kuphela engxenyeni yokuqala ka-2023, okulingana no-0,05% kuphela wesamba semisebenzi eyizigidi eziyizinkulungwane ezingu-37 eyenziwa ngaleso sikhathi.
Umthelela wokuphela kwayo kubasebenzisi nasezinkampanini
Kubasebenzisi, ukuphela kwe-DOC kusho ukujwayela izindlela ezintsha zokudlulisa imali, ikakhulukazi i-PIX. Lolu hlelo alunikezi nje kuphela isivinini esikhulu nokutholakala, kodwa futhi lususa izindleko ezihambisana nezinye izindlela zokudlulisa imali. Ezinkampanini, ikakhulukazi lezo ebezisebenzisa i-DOC ukukhokhela abasebenzi izinzuzo, lolu shintsho ludinga ukubuyekezwa kwezinqubo zezimali. Ukushintshela ku-PIX noma kwezinye izindlela zedijithali kuthembisa ukusebenza kahle nokushesha ekuthengiseni kwezimali kwansuku zonke.
Ukuqedwa kokudluliswa kwemali nge-DOC kuyisinyathelo esibalulekile ekuthuthukisweni kohlelo lwamabhange lwase-Brazil. Kubonisa ukukhetha okwandayo kwezixazululo zedijithali ezisheshayo nezisebenza kahle, kuhambisanisa i-Brazil nezitayela zomhlaba wonke ezinsizeni zezimali.
