Jeega socotada - waa maxay? Sida loo bixiyo ee jeega socotada iyo meesha ay u soo iibsadaan?

American Express jeega socotada - hab ku haboon oo lagu kalsoonaan karo in uu kaydiyo lacagta caddaanka ah ee lacagta qalaad. Iyada oo tayo lacageed (awoodda wax iibsiga iyo qiimaha magacaaban), waxay haystaan oo dhan faa'iidooyinka rasiidhada dhaqaale (waxay la soo celin karin haddii khasaare, iyo sidoo kale in dardaaranka). Ammaanka lacagta maal markii wax iibsiga ah jeegaga safarka, ballan qaaday shirkadda ugu weyn ee caalamiga ah, taariikhda oo dib 164 sano.

jeega socotada ee: fikradda iyo hawlaha ugu muhiimsan ee

Sharax waxa socotada ee jeegaga, waa ay fududahay - waa dukumeenti lacag bixinta, taas oo ah waajib lacageed, soo saartay shirkadda soo saaray, inay bixiyaan lacagta (calaamadee magacaaban) Milkiilaha, kuwaas oo soo xareeyo saxeexa ee jeegga la soo bandhigay. Dhab ahaantii, waxay matalaan badal buuxa oo ah lacag caddaan ah.

Isticmaal jeeg noqon kartaa sida ugu fudud in ay lacag kaash ah, iyo iyaga bixinta alaabta ama adeegga. Si arrintan loo sameeyo ay goobjoog ka ahaayeen shaqaalaha bangiga ama khasnaji u dhigay saxiixiisa jeegga (qaybta hoose) markii labaad.

Ammaanka lacagta maal marka aad gadaneyso jeega socotada aad loogu balan qaadayo ay soo saara, taas oo inta badan ay yihiin shirkadaha dalxiiska, bangiyada ganacsiga, iyo sidoo kale shirkadaha caalamiga ah ee waaweyn sida Travelex iyo American Express.

qayb ka mid ah taariikhda ...

Haddaba Express Shirkadda American ah, marka lagu daro jeega socotada ah, kaararka lacagta arrinta, kaararka deynta wareegi iyo waa mid ka mid ah hay'adaha socdaalka ee ugu weyn dunida oo dhan.

Shirkadda waxaa la aasaasay 1850 by William Fargo, Henry Wells iyo John Butterfield si ay u bixiyaan adeegyada gaadiidka ee lacagta caddaanka ah ee dalka. Business si degdeg ah u koray, iyo 1882 shirkadda waxa uu ku guulaystay tartanka xawaaladaha ka xafiiska boostada USA.

By 1890, xawaaladaha bilaabay inuu guulaysto qaaradda Yurub, halkaas oo adeeggan weli ma bixiyo. William Fargo, inay tagaan Yurub si ay u helaan wax u socdaan, ayuu dib ugu yimid caraysan. Inkastoo uu ahaa madaxweynaha shirkadda weyn, inuusan bedeli karin warqado ay dhaqanka ee credit lacag caddaan ah meel kasta marka laga reebo magaalooyinka waaweyn.

Xalka la soo jeediyay Flemming Berry, been abuurto in 1891 soo saarka dhaqaale oo cusub shirkadda American Express - jeega socotada.

The hab cusub oo lacagta si degdeg ah helo caan: in 1891 maamula si ay u hirgeliyaan jeegaga ee 1920 oo doolar, in 1909 shirkadda sameeyey iibinta 23 milyan oo doolar.

hab fudud oo wax ku ool ah ayaa la sameeyey si loo ogaado xaqiiq ah jeegaga: saxiixa on jeegga tuntay 2 jeer: on line ugu sareeya - waqtiga heshiiska waxiibsashada, iyo hooseysa - marka ay soo bandhiga in ay xisaabta. saxiixyada kadis cadeynayaa aqoonsiga milkiilaha iyo balan qaadayo jeeg lacag.

Lacagta iyo heshaan

The jeegaga oo kuwii hore ka soo saaray in madaahibta ah 10, 20, 50 iyo 100 oo doolar Maraykanka. By 1955 American Express oo bilaabay jeegaga in dollars Canadian oo pounds British.

In 1970, shirkadda ayaa horay shanqarta jeegaga in faran Swiss iyo Faransiis, yen Japanese iyo sumadda Jarmal. Tan iyo 1999 wuxuu bilaabay wax soo saarka ee jeegaga safarka ee euros qiimaha magacaaban 50 €, 100 €, 500 €, 1000 €.

Si aad u taariikhda, ka ugu badan waa jeegaga ayaa caawimada ee pounds British, Australia, Canada, Doolar Singapore, Swiss Francs. jeegaga heshaan doolarka Maraykanka - $ 20, $ 50, $ 100, $ 1000.

Faa'iidooyinka la isticmaalayo

Faa'iidada ugu weyn ee jeega socotada - ammaankooda. Iyadoo isticmaalka saxda ah iyaga ka mid ah, ammaanka aad lacagta si buuxda loo ballan qaaday. Tan iyo jeeg diiwaan gashan, cid idinka mid ah, marka laga reebo lahayn ma awoodi doonaan in ay isticmaalaan jeeg lumay ama la xaday.

None of jeeg aan la sarifan doonaa maqnaanshaha milkiilaha ama aan dokumenti caddaynaya inuu aqoonsi. hubi milkiilaha awoodaan in ay soo celin in ay dhacdo dhaawac, khasaare ama xatooyo ee gabi ahaanba xor ah oo hal maalin uu noqon doono.

Faa'iidada kale oo muhiim ah - faa'iidada. jeega socotada dalalka ugu, waxaa lagu iibiyaa heerka wanaagsan ka badan lacag caddaan ah lacagta qalaad, oo komishanka ugu yar. Si kastaba ha ahaatee, sarrifka soo laabtay ay dibadda ka dhici heerka sare ka badan qaab beddelidda ee lacag caddaan ah. Faa'iidada A weyn ayaa sidoo kale waxaa macquul ah laga saaray dalka ee jeega socotada ee lacag kasta doonayo ee lacag aan xadeyn.

A hab gaar ahaan ku haboon kaydinta lacag caddaan ah sida marka aad safarka dibadda. jeega socotada ee la bixin karaa bangiga kasta oo dunida, si ay u siiyaan adeeg noocan oo kale ah, iyadoo aan loo eegin meesha ay gadashada.

dhibcood ee sale

Jawaabta su'aasha ah: "? Halkee si ay u iibsadaan jeega socotada" Waayo, dadka ugu badan dunida waa cad yahay: waxay waxaa lagu gadaa ka badan 100 kun oo xafiisyo American Express iyo in inta badan ee bangiyada adduunka ee keentay.

Joogitaanka shabakad ballaaran oo jeega socotada sarrifka ee si loo yareeyo khasaaraha waqtiga at furasho iyo dib u soo celinta. Marka dhibcood ee jeega socotada American Express dhaafsadaan in la iibsado iyo iibiyaan aan guddi kasta. Waayo, hawlaha la socotada ee jeegaga macmiilka u baahan yahay baasaboor ama laysanka darawalnimada.

Isticmaalka jeegaga iyada oo loo adeegsanayo bixinta waxay leedahay cillado ay: dib markii jeegaga diinta weli u baahan doonaa in ay isticmaalaan biilasha ah ee dal kale. Intaa waxaa dheer, dhibic raadinta waxiibsashada / sale of jeegaga iyo iibsadaan aad u baahan tahay in ay waqti gaar ah.

xaqiiqada Ruush

jeega socotada The Ruush ee "American Express" muuqday in Sberbank 1994 mahad. hawlgalka Checks qaadeen in ka badan 6 kun oo laamaha Sberbank guud ahaan dalka. In ka badan 10-sano ee soo socota ah dhaqangelinta hawlgallada xiran jeegaga iyo bangiyada kale ee qoyska, kaas oo gacan ka kordhay in ay caanka ah ee jeega ka mid ah Russia.

Xaaladdan oo kale, habka rasmiga ah ee jeega socotada lacag aan ku jiray ee dalkeenna. Waxay la soo isticmaalay sida alaabta muusikada oo kayd iyo kaydka lacagaha qalaad, iyo sidoo kale socdaalka caalamiga ah. Sberbank of Russia ee 2008, wuxuu noqday hogaamiyaha dunida diidanayn in iibinta jeegaga American Express by iyaga hirgalinta for wadar ahaan $ 1 billion. Waxa ay ahayd inta lagu jiro xiisadda dhaqaale, Russia bilaabay tirade si ay u iibsadaan jeega socotada. Sberbank of Russia wakhtigaas helay tiro badan oo ah jeegaga in ka dib oo aan la si buuxda u iibsaday.

Tartiib tartiib baahida loo qabo jeegaga bilaabay inuu hoos u, iyo sanadkii 2011 Bank Savings ayaa bilaabay cusub ah, si wadajir ah ula kaararka caymiska arrinta mashruuca American Express iyo super-premium.

Laabi hawlaha la jeegaga

Ka dib markii xiisadda 2008 ka, bangiyada badan gudaha ayaa sidoo kale la dedejiyey in ay soo saaraan kaararka iyo si ay u bartaan oo ay xarunta processing u gaar ah. u kaca ee ay caanka ah ee lacagta aan lacagta caddaanka ah iyo horumarinta network ah kaararka soo dhaweynta si buuxda hoos u caanka ah ee jeega socotada ee. Mid ka mid ah dhaqdhaqaaqyadii ugu tagay marka hore la Bank jeeg "VTB" ee Russia. Tani waxay dhacday bishii February 2012, ka dib markii isbedel maamulka hay'adda credit ah.

go'aan la mid ah ayaa loo qaaday by Sberbank of Russia, wayna raaceen. Tan iyo March 2013 waxaa la gabi ahaanba la joojiyo hawlgallada gadashada, iibinta, soo celiyo arrinta iyo diiwaangelinta dhaxalkiisa ee ku jirta jeega socotada ee. Sberbank dhiiriyo falalkiisa u baahan tahay in ay tayadoodii khadka alaabta tafaariiqda iyo in la yareeyo kharashka adeegyada maamulka lacagta caddaanka ah shaqsiyaadka. khubaro Sberbank ayaa sidoo kale sheegay in iskaashiga ay la leeyihiin American Express on waxyaabaha kaarka sii wadi doonaan.

Ka dib markii Bank Savings go'aanka in ay joojiyaan dhammaan hawlaha la jeega socotada ee ka May 2013 uu ku dhawaaqay a "Raiffeisen Bank".

Joojinta iibka

Isagoo ka lumay inta badan oo ka mid ah dhibcood ee sale ee Russia, Express Shirkadda American tan iyo 1 August, 2013 ayaa lagu qasbay inuu joojiyo iibinta jeega socotada. booska rasmiga ah ee shirkadda ahaa si loo hubiyo in ay sabab u tahay in si qoto dheer iyo falanqayn ballaadhan oo khubaro ay soo gaarnay heer ah in hoos u dhac weyn oo baahida loo qabo adeegan ka Russia. sale dheeraad ah oo jeega socotada in Russia waxaa loo aqoonsan yahay sida aan wax tar lahayn.

All hore iibin jeegaga noqon doonaa muddo aan xad lahayn. Cash iyaga weli waxay noqon kartaa iyada oo loo marayo bangiyada idman, iyo sidoo kale dhibcood jeegaga socotada ee sarrifka dunida dacaladeeda.

Oo ka mid ah bangiyada waaweyn ee dalka Ruushka oo kaliya "Svyaz-Bank" leeyahay in uu aqbalo jeega socotada. Iyagu ma ay iibsan kartaa maanta. jeegaga lacagta caddaanka ah, caawimada ee doolar iyo in euros, xafiiska madaxa ama laamaha gobolka bangiga noqon karto iyo bixinta lacag dhan 2.5% ee qiimaha ku magacaaban.

Back to Mustaqbalka

A dhowr sano ka hor, dhaqaaleyahannada dad badan ayaa rumaystay in jeega socotada waa si buuxda u dhacsan, bedelay kaararka caaga ah. Maanta, fikrad this uma muuqato mid cad. Kibermoshennichestva kiisaska soo noqnoqda, iyo sidoo kale ugu dambeeyay si loo joojiyo nidaamka lacag bixinta Visa iyo MasterCard xawaalad on kaararka bangiyada dhowr Ruush, si cad u muujiyey oo dhan dhinac xun ee qalab bixinta this.

Dadka haysta kaararka caag ka dhacay bangiyada ku yaalla dibadda, waxay ahaayeen kuwo aan awoodin in ay lacagta u isticmaalaan. Qaar badan oo iyaga ka mid ah waa at xaasidnimo la joogo milkiilayaasha jeega socotada, kuwaas oo, by qeexidda, ma noqon karto in xaaladda this.

jeega socotada aan laga badiyay oo ay caan ku xilligii qaybinta caalamiga ah ee lacagta aan lacagta caddaanka ah. Ka dib markii qarni iyo badh ka dib markii la bilaabay, waxay sii wadaan in ay hab ku haboon oo lagu kalsoonaan karo ee lacag caddaan ah.