Izikhangiso
Qonda ukuthi lusebenza kanjani uhlu lwabakweletayo lwe-Banco Central nokuthi lungaba namuphi umthelela ezimalini zakho zomuntu siqu.
Izinqumo zezimali, enkathini yedijithali, zibhekana nokuhlaziywa okuningiliziwe, futhi e-Brasil, i-“Registrato”, uhlelo lwe-Banco Central (BC), sekuvele kuyindlela ebalulekile yokuba abantu base-Brasil baqaphe ukuzibandakanya kwabo ne-Sistema Financeiro Nacional (SFN).
Kulo mbono, i-Registrato yenza kube nokwenzeka ukuba zonke izakhamuzi zithole “isitatimende” esinemininingwane sobudlelwano bazo nezikhungo zezimali, kusukela kuma-akhawunti asebhange kuya ezikweletini. Ngakho-ke, inhloso yokwenza izinto obala ukuhlinzeka ngokulawula okukhulu kwezimali zomuntu siqu.
Ngaleyo nhloso, yenza kube nokwenzeka ukubona izikweletu ezisasebenza, ukuqinisekisa ama-akhawunti angaziwa ngisho nezikhiye ze-Pix ezingakaqinisekiswa. Ngakho-ke, kusho ukuthini lokhu lapho ufuna ukubolekwa imali noma uxhaso lwezimali? Lokhu kuzocaciswa ngezansi.
Uhlu lwe-Banco Central luwuthinta kanjani izimali zakho zomuntu siqu?
I-BC, ngaphezu kokunikeza ithuluzi lokuzihlola, ugcizelela ukuthi idatha equkethwe ku-Registrato ivamise ukuhlaziywa izinkampani ngesikhathi zihlola ukufaneleka komuntu ukuthola isikweletu.
Kule ndlela, izizindalwazi eziningi zisekela ukunqunywa kwephrofayela yobungozi, okuwukuhlolwa kwekhono lekhasimende lokufeza izibopho zalo zezimali. Phakathi kwazo kukhona i-Central Bank Credit Information System (SCR). Nakuba ulwazi olukwi-Registrato lungaba wusizo esakhamuzini, kunokwesaba okuvelayo kokuthi le datha ingaba yisithiyo ekutholeni isikweletu.
Funda futhi: R$7,4 Bilhões em Dinheiro Esquecido. Ungayifuna kanjani?
Lokhu kwenzeka ngoba ochwepheshe, njengoMarcos Piellusch waseFIA Business School, baveza ukuthi ukuba khona kwezikweletu eziningi, ikakhulukazi ezingakhokhiwe, kungabiza kakhulu isikweletu noma kwenze singafinyeleleki nhlobo. Ngokuphambene nalokho, umlando ongenazinkinga ungenza inqubo ifinyeleleke kalula futhi isheshe.
Ungalisusa kanjani igama ohlwini?
Okokuqala, sazisa ukuthi i-BC icacisa ukuthi akukho mvume yokususa amarekhodi ezikweletu. Nokho, kungenzeka ukucela ukulungiswa kwedatha engalungile. Ngale njongo, isinyathelo sokuqala ukuxhumana nesikhungo sezezimali esinikeze lolo lwazi bese ucela ukulungiswa.
Le nqubo iyadingeka, ngoba kunesikhathi esiphakathi kokukhokhwa kwangempela kwesikweletu nokubuyekezwa kwaso ohlelweni lwe-Registrato. Ngokusho kwe-Banco Central, lesi sibuyekezo senziwa njalo ngenyanga yizikhungo zezezimali, futhi sibonakala kuphrofayela yesakhamuzi cishe ngosuku lwama-20 lwenyanga elandelayo.
