An fassara wannan shafi da na'ura daga Ingilishi kuma ba a duba shi ta wani mai fassara ba. Waɗannan kalmomi na doka da dokoki za su iya zama marasa daidaito. Fassarar Ingilishi ce mafi inganci. Ka karanta wannan shafi cikin Ingilishi
Chile yana da ɗaya daga cikin mafi girman kasuwannin banki da tattalin arziki a Amurka ta Larabawa. Wani mai kulawa guda, Comisión para el Mercado Financiero (CMF), yana kula da bankuna, kamfanonin saka hannun jari, masu inshora da masu samar da fintech. Banco Central de Chile ya rubuta dokoki don katin biyan kuɗi da masu fitarwa da aka biya. Ley Fintec na 2023 ya ƙirƙiri tsarin rajista da izinin yin rijista don tallafawa jama'a, tsarin kasuwanci na musanya, sabis na crypto-asset da sauran sabis na kudi na fasaha.
Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes7
Kudin kudiCLP
S&P ratingA
Zaben gaba29 ga Oktoba, 2028
Chile ba a cikin jerin FATF masu launin rawaya ko maƙarƙashiya ba bayan 17 zuwa 19 ga watan Yuni na shekarar 2026. Ba a wallafa sakamakon taron majalisar dokokin Oktoba na 2026 ba a ranar bincikar. Ba a cikin jerin kasashe na uku masu haɗari mai tsanani na EU (Delegated Regulation (EU) 2016/1675 kamar yadda aka canza ta ƙarshe ta hanyar Delegated Regulations (EU) 2026/46 da 2026/83, a cikin aiki 29 ga Janairu 2026). Ba a cikin Sashi na I ba kuma ba a cikin Sashi na II ba na jerin harajin EU wanda aka sake dubawa ta shawarwarin majalisar na 9 ga watan Oktoba na shekarar 2026. An duba 13 ga watan Oktoba na shekarar 2026.
Gwamnati da siyasa
Gwamnati
Republic of President
Gwamna
José Antonio Kast · tun Maris 2026
Gwamna
José Antonio Kast (Partido Republicano (PRCh))
Jam'iyyun siyasa
Jam'iyyar Republicano (PRCh), Unión Demócrata Independiente (UDI), Renovación Nacional (RN), Evolución Política (Evópoli), Independents hold most cabinet posts
Zabe na ƙarshe
Janar (zaben shugaban kasa), 14 ga Disamba, 2025
Zaben gaba
Municipal and regional, 29 October 2028. Zaben shugaban kasa da na majalisar dokoki sun biyo bayan 18 Nuwamba 2029.
Legislature
National Congress: bicameral, House of Deputies (155 seats) da Senate (50 seats)
Sistema Legal
Civil law
Ƙasa da kudi
Jami'a
20m (2025)
GDP
USD 357.4bn (2025)
GDP per person
USD 17,837 (2025)
Kudin kudi
Chilean peso (CLP), free float
Bankin Cibiyar
Bankin Cibiyar
Credit rating
S&P A (stable) · Moody's A2 (stable) · Fitch A- (stable) (as of September 2026)
An buɗe, copper-led tattalin arziki da wani inflation-targeting Banco Central de Chile da daya daga cikin Latin Amurka mafi zurfi kudi kasuwanni. Banks, insurers da kayayyakin ciniki ne aka kula da Comisión para el Mercado Financiero (CMF).
Banki
Banki
Minimum capital800,000 Unidades de Fomento (UF) da aka biya a cikin jarin da kuma ajiyar (art. 50). Aƙalla 50% dole ne a biya a lokacin da bankin ya ƙunshi (art. 51). Har sai bankin ya kai ga mafi ƙarancin adadi, yana da ƙarin 2% na dukiyar haɗari-dauke da matsayin babban jarin, an rage shi zuwa 1% a kan UF 600,000.
Layin lokaciCMF na iya kin amincewa da shirin a cikin kwanaki 180 (art. 30), wanda za'a iya fadada shi sau ɗaya ta hanyar kwanaki 180 a cikin lokuta masu ban sha'awa. Bayan izinin kasancewar, CMF zai binciki shiryarwa a cikin kwanaki 90 kuma ya ba da izinin aiki a cikin kwanaki 30 (art. 31).
AuthorityMa'aikatar Kudi
800,000 Unidades de Fomento (UF) da aka biya a cikin jarin da ajiyar (art. 50). Aƙalla 50% dole ne a biya a lokacin da bankin ya ƙunshi (art. 51). Har sai bankin ya kai ga mafi ƙarancin adadi, yana riƙe da ƙarin kashi 2% na dukiyoyin haɗari-matsakaici kamar jarin farko, an rage shi zuwa kashi 1% a kan UF 600,000.
Dokar
Ley General de Bancos (DFL 3 of 1997, as amended by Ley 21.130 of 2019), arts. 27 to 32, 50 and 51
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Bankin ya kamata ya zama wani Chile sociedad anónima (sashe na 27)
Masu kafa sun gabatar da wani shirin kasuwanci na shekaru uku (aikace 27)
Masu kafa sun bayar da tabbaci na kashi 10% na jarin da aka tsara (sashe na 27)
Founders da masu sarrafawa bukatar net daraja aƙalla daidai da tattalin arzikin da aka tsara, da kuma fit da kyau gwaje-gwajen (art. 28)
Ma’aikatun kudi na kasashen waje suna bukatar kulawa ta gida da kuma amincewa daga baya daga mai kula da gida (sashe na 29)
Sarrafa takardar shaidar farko, sa'an nan kuma amincewa da kasancewa, sa'an nan kuma amincewa da aiki (aikacen 27 da 31)
Minimum capital800,000 UF mafi ƙaranci kamar yadda wani banki na Chile (aiki. 50 da 51). Aƙalla 50% dole ne a biya a lokacin da sashen ya amince (aiki. 51).
Layin lokaciBa a wallafa ba
AuthorityMa'aikatar Kudi
Kamar 800,000 UF mafi ƙaranci kamar wani banki na Chile (aiki. 50 da 51). Aƙalla 50% dole ne a biya lokacin da aka amince da sashen (aiki 51).
Dokar
Ley General de Bancos (DFL 3 of 1997), arts. 29, 32 and 51
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Certificate of provisional authorization obtained as for a new bank (art. 32)
Documents required by law for an agency of a foreign sociedad anónima (art. 32)
Idan an yi la’akari da iyali da yardar mai kula da gida (aikace 29)
Za a iya musayar bayanai tsakanin masu kulawa (aikace 29)
Mai fitar da katin biyan kudi na baya-bayan nan wanda ba banki ba
Minimum capitalPaid-a jarin kai tsaye da kuma ajiyar na aƙalla mafi girman 25,000 UF ko wani tsari: 1% na yawan kudin shekara zuwa unrelated 'yan kasuwa, da 8% na kuɗaɗen abokan ciniki a cikin dogon lokaci kayan aiki, da 3% na kuɗin abokan ciniki a cikin short-lokaci kayan aiki (Cap. III.J.1.3, Title II.B.iii)
Layin lokaciBa a wallafa ba
AuthorityBankin Duniya
Paid-a a hannun jari da ajiyar na aƙalla mafi girma daga 25,000 UF ko wani fom: 1% na yawan kudin shekara zuwa unrelated 'yan kasuwa, da kuma 8% na kuɗaɗen abokan ciniki a cikin dogon lokaci kayan aiki, da kuma 3% na kuɗin abokan ciniki a cikin short-lokaci kayan aiki (Cap. III.J.1.3, Title II.B.iii)
Dokar
Ley 20.950 of 2016, arts. 1 to 3; Banco Central de Chile Compendio de Normas Financieras, Capítulo III.J.1.3 (Acuerdo 2650-01-240627)
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Chilean musamman sociedad anónima tare da wani dalili na musamman (Ley 20.950 art. 3)
Shigar a cikin CMF Registro de Emisores de Tarjetas kafin fara kasuwanci
CMF na duba goyon baya ga aiki kafin rajista
Liquidity reserve of at least 10% of the minimum capital requirement (Title II.B.v)
Dokar kula da haɗari da lissafi na musamman na kuɗaɗen abokin ciniki
Minimum capital10,000 UF ko kuma 20% na adadin biyan kuɗin yau da kullum a cikin watanni 24 da suka gabata (Sashe III.J.2). Masu sayen-bayani suna buƙatar 1,000 UF, ko kuma 2,000 UF don sayen-bayani tsakanin iyakoki.
Layin lokaciBa a wallafa ba
AuthorityBankin Duniya
10,000 UF ko kuma 20% na adadin biyan kuɗin yau da kullum a cikin watanni 24 da suka gabata (Sashe III.J.2). Masu sayen-bayani suna buƙatar 1,000 UF, ko kuma 2,000 UF don sayen-bayani tsakanin iyakoki.
Dokar
Ley General de Bancos, art. 2; Ley 20.950; Banco Central de Chile Compendio de Normas Financieras, Capítulo III.J.2 (Acuerdo 2650-01-240627)
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Chilean special sociedad anónima tare da manufar aiki na katin
Registration in the CMF Register of Card Operators
CMF na duba goyon baya ga aiki kafin rajista
Ya rufe katin bashi, katin kudi da katin biyan kuɗi
Crypto-asset sabis a ƙarƙashin Ley Fintec (custody, hanyar haɗin gwiwa, tsarin ciniki na zaɓi don crypto-assets)
Minimum capital5,000 UF, ko 3% (har zuwa 6%) na dukiyoyin da aka yi la’akari da haɗari idan ya fi girma, bayan an kai ga matsakaicin adadin CMF (Ley 21.521 art. 11). A ƙarƙashin NCG 502, ƙananan kamfanoni (Block 1) an hana su. Block 2 kamfanoni bukatar 1,000 UF a daidaitacce equity ko garanties. Block 3 firms need the full art. 11 adadin.
Layin lokaciCMF dokoki a kan rajista cikin 30 kwanakin kasuwanci (art. 6) da kuma a kan sabis izinin cikin mafi yawan watanni shida (art. 7); biyu sa'o'i tsaya yayin da CMF jira ga gyara
AuthorityMa'aikatar Kudi
5,000 UF, ko 3% (har zuwa 6%) na dukiyoyin da aka yi la'akari da su idan sun fi girma, bayan an kai ga matsakaicin adadin CMF (Dokar 21.521 art. 11). A ƙarƙashin NCG 502, ƙananan kamfanoni (Block 1) an hana su. Block 2 kamfanoni bukatar 1,000 UF a daidaitacce equity ko garanties. Block 3 firms need the full art. 11 adadin.
Dokar
Ley 21.521 of 2023 (Ley Fintec), arts. 3, 5, 6, 7, 10 and 11; CMF Norma de Carácter General N° 502 of 2024 (consolidated text)
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Crypto-assets (activos financieros virtuales) count as financial instruments under the Ley Fintec (article 3)
Registro de Prestadores de Servicios Financieros (art. 5)
Ma'anar bayar da sabis na Ley Fintec (sashe na 6)
Kamfanoni na waje dole ne su sami ofishinsu a Chile (sashe na 5)
Sabon izinin CMF ga kowane sabis, tare da buƙatun gudanarwa da kula da haɗari (aikace 7)
Garantiya ta hanyar banki ko ribar inshora a sama da matsaloli na CMF (art. 10)
Minimum capitalMatsakaicin daidaiton 6,000 UF, ko 14,000 UF don kasuwanci a kan asusunka (art. 26(d)). An kuma buƙaci wani alkawari na farko na 4,000 UF (art. 30).
Layin lokaciCMF ta tanadi dokoki game da rajistar cikin kwanaki 30 na shigar da shi; a lokacin da CMF ke neman karin bayani, agogon ya tsaya (aikace 28)
AuthorityMa'aikatar Kudi
Kashe-kashe na UF 6,000, ko UF 14,000 don kasuwanci a kan asusunka (aikace 26(d)). An kuma buƙaci wani lasisi na farko na UF 4,000 (aikace 30).
Dokar
Ley 18.045 de Mercado de Valores, arts. 24 to 30
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Ma'anar takamaiman tattaunawa, tare da kalmomin corredores de bolsa ko agentes de valores a cikin sunan (rubutun 27)
An kafa ofishin kasuwancin hadin gwiwa (sashe na 26)
Ma’aikata, manajoji da ma’aikatan hulɗa dole ne su tabbatar da sani game da tattaunawar kuɗaɗe (rubuce-rubucen 26 da 27)
Corredores de bolsa ya kamata su kasance 'yan'uwa na wani musayar hannun jari; agentes de valores aiki off musayar (art. 24)
Ka'idoji na ribar kudi, kudin shiga, biyan kudade da kula da haɗarin da aka gindaya ta CMF (sashe na 29)
Comisión para el Mercado Financiero (CMF) · websitebanks, E-money institutions, Payment service providers, Virtual asset service providers (VASPs), Investment firms, Insurance
Banco Central de Chile (BCCh) · websiteE-money institutions, Payment service providers
An sanya adadin dukiyar a Chile cikin Unidades de Fomento (UF), wani bangare na lissafi wanda aka nuna ta hanyar hauhawar farashi. UF ba wata kudade ba ce. Kudin pesonsa ya canja kowace rana kuma an wallafa shi da Banco Central de Chile. Don haka ana adana adadin dukiyar a cikin UF a ƙarƙashin lambar ISO CLF. Ba a adana adadin peso ba. Ley Fintec ta kuma gyara Ley 20.950: shirye-shiryen dijital waɗanda aka goyi bayan su kuma aka yi musu darajar kuɗi kai tsaye, gami da takamaiman takardu a kan littattafai masu rabawa, suna lissafa kamar hanyoyin biyan kudi da aka biya a baya. Masu fitar da irin waɗannan stablecoins ɗin biyan kuɗi don haka sun faɗi a karkashin tsarin mai bayar da kudin da aka biya a baya na Banco Central de Chile. Ley Fintec ya maye gurbin sashe na 24 na Ley 18.045 tare da sigar da aka jinkirta; ranar da take aiki ba a tabbatar da ita ba a cikin wannan bincike. CMF ta canza NCG 502 a watan Disamba 2024 kuma ta ƙara Sashe X ta NCG 559 a watan Fabrairu 2026; wannan shigarwa tana amfani da rubutun haɗin gwiwa a shafin CMF. Ba a tabbatar da kudaden aikace-aikacen CMF daga wuraren hukuma ba, don haka bangarorin kudaden basu da amfani. Bankunan da wasu sauran kungiyoyi masu kulawa za su iya samar da sabis na Ley Fintec ba tare da yin rajista ba (Ley 21.521 art. 5). Wasannin intanet, inshora da manajan kuɗaɗe ba su kasance a cikin wannan binciken ba.
Bayanai na Gabaɗaya
About Chile
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
Status
Sovereign state
Capital
City in Chile
Area
756,102 km²
Yarukan hukuma
Spanish
Yana da Lokaci
UTC-04:00 (UTC-03:00 a lokacin hunturu) a kan ƙasa; Magallanes da Aysén suna cikin UTC-03:00 duk shekara; Easter Island yana cikin UTC-06:00 (UTC-05:00 a lokacin hunturu)
Main exports
Copper ores and concentrates
Rafined copper
'Ya'yan itãcen marmari mãsu dãɗi da ƙwãya.
Kifi da abincin teku
Inorganic chemicals
Main export partners
China
United States
Japan
Koriya ta Kudu
Brazil
Sources for the country information(15)
Bayanin ƙasar da aka bincika 13 Oktoba 2026. Bayanan lasisi an sabunta su 13 Oktoba 2026. Bayani kawai, ba shawara ta doka ba; buƙatu sun canja. Labari na dokoki.
