Le khasi laguqulelwa ngokuzenzakalela kusuka ngesiNgisi futhi ayikho ebuyekezwe ngumhumushi. Izimo zomthetho nezomthetho zingaba ziyiphutha. Uhlobo lwesiNgisi luyinguqulo egunyaziwe. Funda le khasi ngesiNgisi
Xhumana nommeli

Inhlangano yokwamukela imali

Ibhange

Ilayisense elinzima kakhulu, elinamakhono abanzi kakhulu.

54Izinkantolo ziqhathaniswa
i-USD 100kOkuphansi kakhulu okusemthethweni (kungaba yisidingo sangempela)
amasonto angu-9Isikhathi esiphezulu sohlobo olujwayelekile
17Izinhlelo ezinepasipoti

Thengisa

Imali engenayo ephansi ngokusho kwemithetho, ibheke ngakwesokudla.

Igumbi lezomthetho ezweni ngalinye. Le yindawo yokuqala yokuqhathaniswa, hhayi izimali: umqondisi ubeka imali esetshenzisiwe yebhange lakho.

  1. BahamasIlayisense lebhange ne/noma i-trust elahlekile (kufaka phakathi ilayisense le-trust yommeli)
    USD 100kBSD 100,000
  2. Iziqhingi zeCaymanIlayisense lebhange lesigaba "A"
    USD 488kKYD 400,000
  3. Iziqhingi zeCaymanIlayisense lebhange lesigaba "B" (kufaka phakathi i-"B" evunyelwe)
    USD 488kKYD 400,000
  4. South AfricaUbhaliso lwebhange olufanayo
    USD 601kZAR 10,000,000
  5. Iziqhingi zaseVirgin zaseBrithaniIlayisense lebhange elivunyelwe i-Class I nelayisense lebhange elivunyelwe i-Class II
    USD 1mUSD 1,000,000
  6. DominicaIlayisense lebhange elingaphandle kwezwe (elingaphandle kwezwe kuphela, elihlangene ezweni/elwandle, elwandle kuphela)
    USD 1mUSD 1,000,000
  7. LithuaniaIlayisense lebhange elikhethekile
    USD 1.1mEUR 1,000,000
  8. BarbadosIlayisense lebhange elithola imali yangaphandle (Ingxenye IIIB)
    USD 2mBBD 4,000,000
  9. BarbadosIlayisense lebhange lokuhweba (Ingxenye yesibili)
    USD 2mBBD 4,000,000
  10. Iziqhingi zaseVirgin zaseBrithaniIlayisense lebhange elijwayelekile
    USD 2mUSD 2,000,000
  11. SeychellesIlayisense lebhange elingaphandle kwezwe
    USD 2mUSD 2,000,000
  12. AustraliaIlayisense le-ADI elivunyelwe kuphela (indlela evunyelwe kuphela)
    USD 2.1mAUD 3,000,000
  13. Labuan (Malaysia)Labuan investment banking license
    USD 2.4mMYR 10,000,000
  14. I-Antigua neBarbudaIlayisense lezezimali zamazwe omhlaba (isigaba I, isigaba II nesigaba III)
    USD 3mUSD 3,000,000
  15. PanamaLicencia Internacional (license yebhange eliphakathi nendawo)
    USD 3mPAB 3,000,000
  16. Hong KongUbhaliso lwenkampani ethatha i-deposit
    USD 3.2mHKD 25,000,000
  17. CanadaIsitifiketi sokungena nomthetho wokuqashwa nokuqhuba ibhizinisi (ibhange leSchedule I noma iSchedule II)
    USD 3.5mCAD 5,000,000
  18. BahamasIlayisense lebhange likazwelonke ne/noma i-trust
    USD 5mBSD 5,000,000
  19. AustriaBank licence (Konzession zum Betrieb von Bankgeschäften), CRRcredit institution
    USD 5.6mEUR 5,000,000
  20. i-CyprusIgunyazwe njengenhlangano yemali engenayo
    USD 5.6mEUR 5,000,000
  21. EstoniaIgunya lenhlangano yezimali
    USD 5.6mEUR 5,000,000
  22. FranceAgrément as a credit institution (établissement de crédit)
    USD 5.6mEUR 5,000,000
  23. GermanyLicense to conduct banking business (CRR credit institution)
    USD 5.6mEUR 5,000,000
  24. IrelandIlayisense lebhange (inhlangano yezimali)
    USD 5.6mEUR 5,000,000
  25. LithuaniaIlayisense lebhange (inhlangano yezimali)
    USD 5.6mEUR 5,000,000
  26. MaltaIlayisense lokuphatha ibhizinisi lebhange (inhlangano yezimali)
    USD 5.6mEUR 5,000,000
  27. NetherlandsIlayisense lokuqhubeka nomsebenzi webhange
    USD 5.6mEUR 5,000,000
  28. PolandIgunya lokusungula ibhange kanye negunya lokuqala umsebenzi (ilayisense lebhange eliphakathi)
    USD 5.6mEUR 5,000,000
  29. GibraltarInhlangano yemali (Ingxenye 7 imvume)
    USD 5.6mEUR 5,000,000
  30. BelgiumIgunyazo (agrément) njengohlelo lokukhokha
    USD 6.9mEUR 6,200,000
  31. I-Antigua neBarbudaIlayisense lokuphatha ibhizinisi lebhange (lomphakathi, ECCU)
    USD 7.4mXCD 20,000,000
  32. DominicaIlayisense lebhange (ibhange lokuhweba lasekhaya)
    USD 7.4mXCD 20,000,000
  33. Qatar (QFC)Ugunyazo lwe-QFC lomsebenzi webhange (othatha imali engenayo)
    USD 9.6mQAR 35,000,000
  34. LuxembourgIgunya lenhlangano yezimali
    USD 9.7mEUR 8,700,000
  35. United Arab Emirates: Abu Dhabi Global Market (ADGM)Isitifiketi Sezinsizakalo Zezimali Zokuqashwa Kwezinkokhelo (Isigaba 1, noma Isigaba 5 se-Islamic Financial Institution ephatha i-PSIAu)
    USD 10mUSD 10,000,000
  36. United Arab Emirates: Dubai International Financial Centre (DIFC)Ilayisense lokuthatha i-Deposit (iKategori 1, noma iKategori 5 ye-Islamic Financial Institution ephatha i-PSIA engavunyelwanga)
    USD 10mUSD 10,000,000
  37. BermudaIlayisense lebhange, ilayisensi yenkampani yokutshala imali noma ilayisense lebhange elilinganiselwe
    USD 10mBMD 10,000,000
  38. PanamaLicencia General (ilayisense elijwayelekile lebhange)
    USD 10mPAB 10,000,000
  39. AustraliaIlayisense lenhlangano egunyaziwe yokuthatha i-deposit (ADI), indlela eqondile
    USD 10.4mAUD 15,000,000
  40. BrazilAutorização para funcionamento de banco comercial ou banco múltiplo (ugunyazwa kwebhange lokuhweba noma eliningi)
    USD 11.2mBRL 56,000,000
  41. ItalyBanking license (autorizzazione all'attività bancaria)
    USD 11.2mEUR 10,000,000
  42. SingaporeIlayisense lebhange eligcwele ledijithali
    USD 11.7mSGD 15,000,000
  43. LiechtensteinBank licence (Bewilligung als Bank)
    USD 12mCHF 10,000,000
  44. SwitzerlandIlayisense lebhange
    USD 12mCHF 10,000,000
  45. JapanIlayisense lebhange
    USD 12.6mJPY 2,000,000,000
  46. Hong KongIlayisense lebhange elilinganiselwe (ibhange elinelayisense elilinganiselwe)
    USD 12.7mHKD 100,000,000
  47. I-South AfricaUbhaliso lwebhange (ugunyazo lokusungula ngaphansi kwesigaba 12, ubhaliso ngaphansi kwesigaba 16)
    USD 15mZAR 250,000,000
  48. PhilippinesDigital bank license
    USD 15.9mPHP 1,000,000,000
  49. South KoreaUgunyazo lwebhange lwe-inthanethi kuphela
    USD 18.6mKRW 25,000,000,000
  50. SpainIgunya lebhange (entidad de crédito)
    USD 20.1mEUR 18,000,000
  51. Hong KongIlayisense lebhange (ibhange eligunyaziwe)
    USD 38.2mHKD 300,000,000
  52. Hong KongIlayisense lebhange elidijithali (ibhange elibonakalayo)
    USD 38.2mHKD 300,000,000
  53. Labuan (Malaysia)Labuan digital bank license
    USD 48.9mMYR 200,000,000
  54. South KoreaIgunya lebhizinisi lebhange (ibhange lokuhweba)
    USD 74.4mKRW 100,000,000,000
  55. SingaporeIlayisense lebhange lokuhweba ngobukhulu
    USD 78mSGD 100,000,000
  56. SingaporeIlayisense lebhange lokuhweba ngedijithali
    USD 78mSGD 100,000,000
  57. BahrainIlayisense lebhange elijwayelekile (lokuthengiswa noma lokuhweba)
    USD 266mBHD 100,000,000
  58. BahrainIlayisense lebhange lase-Islamic (ukuthengiswa okuncane noma okuningi)
    USD 266mBHD 100,000,000
  59. United Arab Emirates (onshore)Restricted Licence Bank
    USD 272.3mAED 1,000,000,000
  60. United Arab Emirates (onshore)Ilayisense lebhange (ibhange elibhalisiwe e-UAE, ibhange elikhethekile noma inkontileka yebhange elisha)
    USD 544.6mAED 2,000,000,000

Akunakho i-chart (akukho sithombe esisemthethweni, noma imali engenayo ngaphandle komkhawulo wokubhekisela): iPortugal, iGuernsey, i-Isle of Man, iJersey, iMonaco, i-United Kingdom, iQatar (QFC), iLabuan (iMalaysia), iNew Zealand, iPhilippines, iSingapore, iArgentina, iBolivia, iCanada, iChile, iCuraçao, iMexico, iPanama, iMauritius, iSeychelles. Bona ikhasi ngalinye lezomthetho.

Izinga eliphansi lemithetho evela kunoma yimuphi umphathi. Liguqulwe kuma- ECB amaphesenti okubonisa noma ama-pegs asemthethweni ka-2026-10-08. Isikali se-log. Lezi yizinkomba eziphansi zomthetho kuphela: umphathi ubeka izimali zebhange ngalinye kufanele zigcine, ngokuvamile phezulu kakhulu, futhi kumele zibe izikweletu ezingenalutho zabasebenzi.

Phambi kokuba uqale

Inhlokodolobha ivela kuqala.

Ibhange, ngokwesichazamazwi, yimali. Akukho indlela yokuthola ilayisense noma ukuthenga ngaphandle kwezimali zakho ezingenalutho, futhi isicelo esifakiwe ngaphandle kwazo silahlekile futhi sihlala kwirekhodi le-regulator.

Imali edingekayo yibhange elisha (isithombe, hhayi ukukala)

Isikweletu esincaneUmthetho usho ukuthi:
Imali elawulwayo isethelwe inqubo yakhoIzinkokheloIzindleko zokusebenza kuze kube yilaphoIlayisense, amasistimu, abantuYini ongase ufune
  • Isethelwe ngumqondisi. Umphathi uhlela imali engenayo yezinhlelo zakho zebhizinisi, iprofayili yongozi kanye nobukhulu. Ama-figures kule webhusayithi yindawo yomthetho kuphela.
  • Imali engenayo kanye neyakho. Ikhokhwe, ngemali engenayo, ngabanikazi bempahla abaphawuliwe abanendawo ebhalwe ngaphambilini noma ngesikhathi sokuthola ilayisense.
  • Abantu kanye nemali. Abaqondisi nabaphathi abanesipiliyoni sangempela sebhange; abalawulayo baxoxisana nabo.

Ayivunyelwe njengenhlokodolobha

  • Imali ekhokhweIzimali, kufaka phakathi izikweletu eziqinisekisiwe kwibhange othengayo noma onikeza ilayisense kulo.
  • Imali yomthengisi noma umhlinzeki wezimaliAma-sellers akhokhela ukuthenga kwebhange labo, futhi abaqondisi abagunyazi ukuthengwa okukhokhwa ngemali yekhasimende.
  • Amathuluzi ephephaIziqinisekiso zebhange, i-SBLCs, i-MTNs, amathuluzi athengiswe noma “akhokhelwa imali”, izibopho zomlando, igolide noma isitifiketi sokufaka imali.
  • Izinhlamvu ezibonisa imaliIzinhlamvu zokuzijabulisa, izithombe-skrini, iziphakamiso zemali elahlekile noma imali engakho ongayisebenzisi.
  • Abaxhasi abangekho emthethweniImali evela kubatshalizimali abangaziwa, abahlolwe futhi bavunyelwe njengezithameli.
  • Izinto ezingenakuguqulwa noma ezingahlolwaIzinto ezingenakho incwadi, umsuka osemthethweni wemali ongaqinisekiswa ngumqondisi.

Singakwazi ukuhlinzeka nganoma yini ibhange elisha elifunayo, kusuka kuhlelo lwebhizinisi nesicelo kuya kumasistimu nama-akhawunti ahambisanayo, ngaphandle kwemali kanye nabantu abazoyiqhuba. Phambi kokuqala siqinisekise ubunikazi nobufakazi bezimali ezigcinwe ebhange elilawulwayo. Izicelo ezingabonisa lokhu azithathwa ngaphezu kwalokho.

I-baseline yebhange ngalinye

Izingxenye eziyisishiyagalombili, ilayisense elilodwa.

Zonke izinkantolo zihlukile, kodwa lezi ezine kufanele zibe khona ngaphambi kokuba isicelo sifakwe. Abaqondisi babala ezintathu zazo ngaphezu kwazo zonke: imali, ikhono lebhange kanye nohlelo lwebhizinisi.

  1. 01Business plan

    Inhloso yamamakethe, imikhiqizo, iminyaka emithathu kuya kweziyisihlanu zezinguquko zezimali, amaphoyisa kanye nenqubomgomo. Umqondisi ufunda ingxenye ngayinye ngengxenye.

  2. 02Capitalisation

    Imali engenayo, ekhokhwa ngabanikazi bezimali abaphawulwe, kumazinga abekwe ngumqondisi wohlelo lwakho.

  3. 03Key individuals

    Ibhodi kanye nohlelo lokuphatha olunemisebenzi emide yebhange, kanye nabasebenzi abasebenza ngokuhambisana nengozi. Bonke bahlolwa futhi baxoxwa nabo.

  4. 04IT systems

    Ukuphathwa kwezimali, ukuhlolwa kokuhambisana nomthetho, ukushicilelwa kwezinqumo, isigaba sokugcina kanye nesigaba sangaphambili, nokukhishwa kwangaphandle okuvunyelwe yinhlangano elawula.

  5. 05Correspondent relations

    Ama-akhawunti namabhange ahambisanayo kanye nokufinyelela kuzinhlelo zokukhokha, ngaphandle kwazo ibhange alikwazi ukuhambisa imali.

Izidingo 1Ukusetshenziswa okulungile kwegama elikhulu

Izimali eziphilayo eziqinisekise ukusebenza kwebhange futhi zishiye umkhawulo wephutha emthethweni webhizinisi. Akukho sinqumo esihlukile sokuba neziphilayo.

Izidingo zokuqala 2Isizinda sebhange

Abaqondisi nabaphathi abanemisebenzi ebhange abakwazi ukuqinisekiswa yi-regulator. Over ten years is usually expected for senior roles, twenty preferred.

Izidingo ezingu-3Uhlelo lwebhizinisi olubanzi

Izimakethe, imikhiqizo, izibikezelo kanye nanoma iyiphi imithetho evela kumathuluzi kamuntu kuya ekuthobeleni, kanye nemiphumela yayo empilweni yezomnotho yasekhaya.

Ibhange Elinjani

Ezweni, elwandle, yasekhaya noma yedijithali.

Lezi zinto eziyisishiyagalombili zisebenza kuwo wonke uhlobo lwebhange. Ushintsho olukhona wukuthi ubani ongasiza, lapho, nokuthi umqondisi uzolindele ukuthi yini.

Ibhange lokuhweba

Ilayisense eliphelele lezwe: izitolo kanye nokudlulisa abahlali. Um kapitali ophezulu nokuhlolwa okude kakhulu.

Ibhange eliphakathi nendawo noma elingasese

Izitifiketi ezitholakala emaphakathini asezweni lonke (njengesitifiketi se-Class B, Category 2 noma izitifiketi zebhange lasezweni lonke) ezihlinzeka kuphela ngezinsizakalo kubantu abangabahlali, futhi zivame ukuba nemali engenayo ephansi futhi azithatheli imali yasendaweni.

Ibhange Elizimele

Ukuphatha imali yekhasimende elilinganiselwe. Igunyazwe njengebhange, futhi ivame ukuxhunywa nelayisense lemali ekhokhelwayo.

Ibhange ledijithali

Ilayisense eligcwele noma elilinganiselwe ngaphandle kwezifunda. Abaqondisi babheka kakhulu i-IT, ukukhishwa kwangaphandle, ukuphepha kwe-cyber kanye nemodeli yoxhaso.

Izidingo ezijwayelekile kakhulu

  • Okungenani abanikazi bamasheya ababili kanye neqembu lokulawula elinamarekhodi alungile: akukho ukuvalwa, ukugeza imali noma ukugembula
  • Abaqondisi abaphezulu abanesipiliyoni esibanzi sebhange: ngaphezulu kweminyaka engu-10 kuyinto ejwayelekile, 20 noma ngaphezulu kukhethwa
  • Umphathi wezinga lokuhambisana, umphathi wengozi kanye nezinye izinhlelo ezibalulekile
  • I-ofisi yasendaweni kanye nobukhona obungokoqobo emthethweni
  • Abaqondisi abanekhono eliqinisekisiwe, njenge-MBA evela esiteshini esikhona
  • Ukuhlolwa okuphelele kwengqalasizinda kunoma yimuphi umqondisi nomnikazi we-share, ngokuvamile yinkampani yangaphandle ekhethiwe ngumlawuli
  • Uhlelo lwebhizinisi lokuqala olufakiwe nesicelo
  • Imali engenayo ekhokhiwe, igcwele ngesikhathi sokufaka isicelo
  • Isofthiwe eyinhloko yebhange neyokuqondisa ukuhlaziywa ikhona ngaphambi kokuqala

From first meeting to an operating bank usually takes between six months and three years, depending on the jurisdiction and the case. Ukuthola ilayisense lebhange kuvame ukuba yisinqumo sepolitiki njengoba kuyinqubo yomthetho, futhi akukho luhlu lokubheka oluqinisekisile ilayisense.

Ilayisense eliyisikhathi esizayo ayikho ilayisense yebhange

Ezinye iziphakamiso zithengisa izinqumo “zokuqeda” noma “zesikhathi esizayo”. Ezindaweni zomthetho ezizikhiphayo, izinqumo zesikhathi esizayo zivumela inkampani kuphela ukuthi ibhalise futhi ivule. Ngakho-ke ayikwazi ukuthatha amadiphozithi noma ukudlulisa amakhasimende kuze kube yilapho inqumo egcwele ivunyelwa, futhi inqumo egcwele idinga imali, abantu kanye nenqubomgomo egunyazwe. Qaphela izimpendulo ngaleyo ndlela.

Indlela

Kusuka kuhlelo kuya license.

Ukulandelana okujwayelekile kwelayisense. Inqubo nesikhathi sokusebenza somphathi ngamunye sitholakala kwikhasi lezomthetho.

  1. Inqubo

    Imodeli yebhizinisi, amamakethe afuna ukuwafinyelela kanye nemithetho efanelekayo, kufaka phakathi ukungena okuhambisanayo kwezimali zakho.

  2. Isisebenziso esingaphambili

    Izingqungquthela zokuqala nomthethosivivinywa ukuhlola imodeli, isakhiwo sokuba ngumnikazi kanye nohlelo lwemali engenayo ngaphambi kokufaka isicelo.

  3. Isisebenziso sephakethe

    izinhlelo zebhizinisi, izikweletu zeminyaka emithathu, amabhange nama-liquidity plans AML izinhlelo, IT kanye nokukhishwa kwangaphandle.

  4. Ilungele futhi ilungile

    Ukulinganisa abanikazi bezikhundla, abaqondisi kanye nalabo abanemisebenzi ebalulekile: isikhundla, ubuholi, umthombo wemali.

  5. Hlola

    Imibuzo yomthethosivivinywa, ukuvakashelwa kwendawo kanye, ezindaweni ze-euro, isinqumo se ECB mayelana nesicelo somphathi wezwe.

  6. License and mobilisation

    Ilayisense inikezelwe, ngezinye izikhathi ngemibandela noma isiqalo esilinganiselwe; um kapitali ukhokhiwe, amasistimu kanye nabasebenzi bakhona.

  7. Qhubeka

    Imisebenzi iqala ngaphansi kokuqondiswa okuqhubekayo, ukubikezela kanye nokubuyekezwa kwansuku zonke.

Yini olawulayo ozoyicela

Ihele lohlelo lokusebenza.

  1. 01Uhlelo lwebhizinisi oluneminyaka emithathu
  2. 02Izinhlelo zemali, ubufakazi bezimali kanye nombiko wemali oqinisekisiwe
  3. 03Isiqinisekiso semali engenayo kanye nenani eliphelele lomnikazi wesiqalo ngasinye
  4. 04Ikapitali yengxenye kanye nenani elilinganayo lebhange elisha
  5. 05Izindleko zokufaka isicelo, ezikhokhelwa ngaphambi kokufaka
  6. 06Izitifiketi zePolisi kanye nokuhlola okuphelele kwesithombe esingaphambili salabo bonke abantu abathintekayo
  7. 07Umsebenzi ophelele kanye nembali yemfundo yabaqondisi nabaphathi
  8. 08I-chart yobunikazi kulabo abanenzuzo enkulu
  9. 09I-CVs kanye nefomu elifanele lokuhlelwa kwabaqondisi nalabo abanemisebenzi ebalulekile
  10. 10Ukulawula umngcipheko, ukuhambisana nezinhlelo zokuhlola ngaphakathi
  11. 11AML/CFT amaphoyinti enqubomgomo kanye nomphathi wezokuxhumana
  12. 12I-IT, ukuhlinzekwa kwangaphandle kanye nezinhlelo zokusebenza
  13. 13Iphuzu lokubuyisa kanye ne-liquidity contingency plan

Phambi kokuba usebenzise

Bona, bese funda.

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Indlela egcwele yokuthola ilayisense lebhange: ngaphambi kokufaka isicelo, iphakethe lokufaka isicelo, imali-mboleko, ukulungele nokufaneleka, IT, AML, ukuqashwa kanye nesikhathi esifanele.

Umhlahlandlela womthetho · 10 min

Ukuthenga ibhange: ushintsho lokulawula kanye nokuhlelwa kwempahla

Indlela ukuthengwa kwebhange eligunyazwe kanye nezinkampani zezimali ezivunyelwene ngayo: izikhundla ezifanele, CRD Amathuluzi 22 kuya ku-27, amahora, ukunakekelwa okudingekayo namaflegi amnyama.

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Yini ibhange?

Iyini eyenza inhlangano ibe yibhange ngokusemthethweni, izinhlobo eziyinhloko zebhange, nokuthi yini evunyelwa yilayisense yebhange nokuthi yini engavumelekile.

Isichazamazwi · 8 min

Izimali zebhange kanye nohlelo lwe-Basel

CET1, i-Tier 1 kanye nemali ephelele, izimpahla ezibhekene nobungozi, Basel III ama-minimums nama-buffers, inqubekela phambili, kanye nemali encane yokuqala yamabhange amasha.

Ulwazi · 9 min

Usizo lwezimali: LCR, NSFR, inshuwalense yediphozithi kanye nomhlinzeki wokugcina

Indlela amabhange adingeka ngayo ukumelana nobunzima bezinsuku ezingu-30 futhi abe nemali eqinile, nokuthi indlela inshuwalense yediphozithi kanye nokudluliswa kwebhange eliphakathi nendawo kuqedela inethiwekhi yokuphepha.

Inyathelo elilandelayo

Thola i plan yelayisense yecala lakho.

Sizophendula ngemibandela efanele kanye nento olindeleke ukuthi ikhokhwe yinoma iyiphi inhlangano elawulayo.

Thola izinhlelo zelayisenseThengisa zonke izinkantolo