kwemisebenzi ye -PIX e-Brazil kuhambisane nokwenyuka okukhulu ezimeni zokukhwabanisa kwezezimali . Ngokusho kocwaningo lwakamuva olwenziwe yi -ACI Emhlabeni Wonke , inkampani ekhethekile kwezobuchwepheshe bokukhokha, iBrazil ingafinyelela ku -R $ 11 billion emikhonyovuni ehlobene ne-PIX ngo-2028 .
Isivinini nokusebenza kwe- PIX , eguqule uhlelo lokukhokha ezweni, iphinde ivuse intshisekelo yabakhwabanisi , abasebenzisa ubungozi ohlelweni lwezezimali ukuze benze imikhonyovu, okuhlanganisa nokusebenzisa ubuhlakani bokwenziwa (AI) .
Uma kubhekwa lesi simo, kubaluleka ukuqonda imikhawulo yesibopho sezikhungo zezezimali namalungelo ezisulu zokukhwabanisa kwebhange .
Imithetho Yebhange Elimaphakathi kanye Nomsebenzi Wokuphepha Kwezikhungo Zezezimali
Isinqumo No. 147/2021 seBhange Elikhulu Lase-Brazil (BCB) sisungula imihlahlandlela yokuvimbela nokunciphisa ukukhwabanisa ku-PIX . Izihloko 39-B kanye no-78-F zicacisa ukuthi, lapho zisola ukukhwabanisa, izikhungo zezezimali kufanele zivimbe okwesikhashana izimali ezidlulisiwe , ngokuthanda kwazo noma ngokwesicelo seklayenti.
Ngaphezu kwalokho, i-athikili 32, into V , yesinqumo esifanayo, ibeka kubahlanganyeli be-PIX isibopho sokuthweswa icala lokukhwabanisa okubangelwa ukwehluleka ezindleleni zabo zokulawula ubungozi . Lokhu kubandakanya ukunganakwa kwezinyathelo zokuphepha , ezinjengokwengamela okwenziwayo okusolisayo nokuphendula ngokushesha ekukhohliseni okungaba khona.
Imihlahlandlela yeBhange Elikhulu ikwenza kucace ukuthi izikhungo zezezimali zinomsebenzi wokuqapha ngokuqhubekayo izinsiza ezizihlinzekayo , ukuthatha izinyathelo zokuvimbela ukugwema ukukhwabanisa kanye nemikhonyovu. Phakathi kwalezi zinyathelo, okulandelayo kuyagqama:
- Ukuvinjwa okusheshayo kokwenziwayo okusolisayo.;
- Ukuqapha okuqhubekayo kokunyakaza kwe-atypical.;
- Ukwamukelwa kokuphepha okuqinile kanye nezivumelwano zokuqinisekisa.;
- Ukusebenzisana phakathi kwezikhungo zezezimali zokwabelana ngedatha yokukhwabanisa..
Izikhungo Zezezimali Zingaboshwa Nini?
Izikhungo zezimali zingathweswa icala kulezi zimo ezilandelayo :
- Ukunganaki ekuphenduleni isicelo sokumisa izimali : Lapho isisulu sokukhwabanisa sibika ngokushesha ukukhwabanisa ebhange futhi sicele ukuthi izimali ziqandiswe , kodwa azisizwa ngesikhathi, okuvumela abakhwabanisi ukuthi bafinyelele izimali.
- Ukwehluleka kwesistimu yezokuphepha : Uma ukugxambukela ohlelweni lwangaphakathi lwebhange , okubonisa ubungozi ezindleleni zalo zokuvikela, isikhungo singase sithweswe icala ngomonakalo owumphumela.
- Ukwehluleka ukuthobela izinkombandlela zeBhange Elikhulu : Uma isikhungo sehluleka ukugcina izimiso zokuphepha ezimisiwe , njengokungabikho kokuqapha okwanele noma ukwehluleka ukusebenzisa izinyathelo zokuvimbela, kungase kudingeke ukuthi sinxephezele ngokugcwele umsebenzisi othintekayo.
Uma ukweqiwa noma ukwehluleka ekunikezeni isevisi , isikhungo sezezimali kungase kudingeke ukuthi sinxephezele iklayenti ngokulahlekelwa kwezimali elikutholile .
Izinyathelo Zokuvimbela Izikhungo Zezezimali Nabasebenzisi
Ukuze kuncishiswe umthelela wokukhwabanisa nokuqinisekisa ukuvikeleka okukhulu kumakhasimende, izikhungo zezezimali kufanele zisebenzisa amasu okuvimbela, njengalokhu:
Ukubeka imikhawulo yokwenziwayo ukuze kuncishiswe umthelela womkhonyovu wenani eliphezulu;
Ukuqapha amaphethini okuziphatha komsebenzisi ukuze kutholwe umsebenzi osolisayo;
Ukutshala imali kwezobuchwepheshe kanye nobuhlakani bokwenziwa ukuze kuqiniswe izindlela zokuqinisekisa nokuvikeleka;
Ukwabelana ngolwazi mayelana nokukhwabanisa phakathi kwamabhange nezigungu ezilawulayo ukuze kuthuthukiswe izinqubomgomo zokulwa nemikhonyovu yezezimali.
Amathiphu Abalulekile Wabasebenzisi be-PIX
Ngakolunye uhlangothi, abasebenzisi kufanele futhi bathathe izinyathelo zokuzivikela ekukhwabaniseni, okuhlanganisa:
Ukugwema ukuchofoza izixhumanisi ezingaziwa noma ukunikeza imininingwane yasebhange kwabanye abantu;
Ukuqaphela imilayezo esolisayo ecela ukudluliselwa okuphuthumayo;
Njalo iqinisekisa ubuqiniso bomamukeli ngaphambi kokwenza noma yikuphi ukuthengiselana;
Ukunika amandla izaziso zokwenziwa kwebhange ukuze kuqashwe ukuthengiselana kwazo ngesikhathi sangempela.
Yini okufanele uyenze uma uyisisulu sokukhwabanisa kwe-PIX?
Uma uba yisisulu somkhonyovu we-PIX, kufanele uthathe isinyathelo ngokushesha ukuze uzame ukubuyisela izimali:
1 – Thinta isikhungo sezezimali ngokushesha futhi ubike ukukhwabanisa;
2 – Cela ukuvinjwa kwezimali ezidlulisiwe ngokusebenzisa i- Special Refund Mechanism (MED) ;
3 - Faka umbiko wamaphoyisa futhi uqoqe ubufakazi bokukhwabanisa;
4 – Uma izimali zingabuyiswa , funa usizo lwezomthetho ukuze uhlole isikweletu sesikhungo sezezimali.
I- Special Refund Mechanism (MED) ivumela ukutholwa kwezimali ezimeni lapho ukukhwabanisa noma ukwehluleka ohlelweni lwamabhange kufakazelwa .
Uma isikhungo sezezimali sihluleka ukubuyisela izimali futhi kutholakala ukuthi kube nokuphulwa kwemithetho yeBhange Elikhulu noma ukwehluleka kwezokuphepha ohlelweni , isisulu singase sifune isinxephezelo esigcwele ngomonakalo wezinto ezibonakalayo owenziwe .
U-Vitor Henrique Mainardes – Ingcweti Yomthetho Womphakathi Nebhizinisi ovela ku-PUC/PR kanye nommeli enkampanini yabameli u-Alceu Machado, uSperb & Bonat Cordeiro Advocacia .
