Byatangajwe · Kinyarwanda

Gufungura konti ya banki y'ikigo i Bushinwa: Inzira n'Ibisabwa ku bashinze baturutse hanze

Ubuyobozi bufatika ku bashinze ibigo baturutse hanze bashaka gufungura konti ya banki y'ikigo i Bushinwa: ibisabwa, inzira, ibibazo bikunze kubaho, n'ingamba zo kwitegura. Ni amakuru rusange, atari inama y'amategeko cyangwa y'imirimo.

Gufungura konti ya banki y'ikigo (corporate bank account) ni intambwe y'ingenzi ku muhinzi cyangwa umushoramari w'umunyamahanga washinze ikigo i Bushinwa. Nta kigo gishobora gukora ubucuruzi busanzwe nta konti ya banki y'ikigo: ni yo ikoreshwa mu kwakira amafaranga y'abakiriya, kwishyura abafatanyabikorwa, kwishyura imisoro, no kwishyura abakozi. Iyi ngingo igaragaza uko ibintu bigenda, ibisabwa, n'ibintu by'ingenzi wakwitegura mbere yo kujya kuri banki.

Icyitonderwa: Iyi ngingo ni amakuru rusange gusa. Ntabwo ari inama y'amategeko, iy'imirimo cyangwa iy'imisoro. Amategeko n'ibisabwa bishobora guhinduka kandi bigatandukana bitewe na banki n'intara. Buri gihe jya uganira n'umuganga w'amategeko, umubaji w'ibaruramari cyangwa umujyanama w'ubucuruzi wizewe.

Impamvu konti y'ikigo ari ngombwa

I Bushinwa, ikigo gishya gishobora kuba gifite icyemezo cyo kwandikwa (business license) ariko ntikibe gishobora gukora neza nta konti ya banki. Konti ya banki y'ikigo ni yo ikoreshwa mu:

• Kwakira amafaranga ava ku bakiriya bo mu Bushinwa no hanze y'igihugu;
• Kwishyura abaguzi, abakozi n'abafatanyabikorwa;
• Kwishyura imisoro n'andi mafaranga asabwa na leta;
• Kwandika amafaranga mu buryo bwemewe n'amategeko (accounting records);
• Guhuza konti n'ubwishyu bwa digitale nka Alipay na WeChat Pay zifitanye isano n'ikigo.

Ibisabwa by'ibanze

Ibisabwa bishobora gutandukana gato bitewe na banki, ariko muri rusange banki zisaba ibi bikurikira:

1. Inyandiko z'ikigo

• Business license (icyemezo cyo kwandikwa) — inyandiko y'ibanze;
• Amabwiriza y'ikigo (articles of association) n'inyandiko z' abanyamigabane;
• Icyemezo cy'aho ikigo giherereye (proof of address), nk'amasezerano y'ubukode bw'ibiro cyangwa inyandiko y'umunyapolitiki w'aho;
• Inyandiko z'ubuyobozi: izina ry'umuyobozi w'ikigo (legal representative), abayobozi n'abanyamigabane.

2. Inyandiko z'abantu

• Pasiporo y'abanyamahanga bose bagira uruhare cyangwa abayobozi;
• Visa cyangwa uruhushya rwo gutura (residence permit) niba ihari;
• Icyemezo cy'aho umuntu atuye (proof of address), akenshi gisabwa ku bayobozi;
• Niba umuntu atari i Bushinwa, ashobora gusabwa inyandiko zemewe cyangwa zashyizweho ikimenyetso (notarized/apostilled) hakurikijwe amabwiriza ya banki.

3. Inyandiko z'ubucuruzi

Banki zishobora gusaba ibimenyetso by'uko ikigo kizakora ubucuruzi, urugero: amasezerano n'abakiriya, fagitire, cyangwa ibisobanuro by'ubwoko bw'ubucuruzi. Ibi bifasha banki kumenya ibikorwa by'ikigo mu rwego rwo kwirinda ibyaha by'amafaranga (anti-money laundering).

Inzira yo gufungura konti

Intambwe 1: Guhitamo banki

Hari banki nyinshi zikorera mu Bushinwa, harimo banki z'igihugu n'abandi bakorana n'amahanga. Hitamo banki ukurikije aho ikigo giherereye, ubwoko bw'amafaranga ukeneye (RMB cyangwa amafaranga y'amahanga), n'iserivisi z'ubwishyu zikoreshwa n'abakiriya bawe. Banki zishobora kugira amabwiriza atandukanye ku bijyanye n'abanyamahanga.

Intambwe 2: Gutumira no kuganira na banki

Mbere yo kujya kuri banki, hamagara cyangwa ujye ku rubuga rwa banki urebe ibisabwa. Benshi mu bacunga konti (relationship managers) bashobora kuguha urutonde rw'inyandiko zisabwa. Ibi bigabanya igihe cyo gutinda.

Intambwe 3: Gutegura inyandiko

Tegura kopi n'inyandiko z'umwimerere. Banki zishobora gusaba ko inyandiko zimwe na zimwe zisemurwa mu Gishinwa cyangwa mu Cyongereza. Niba inyandiko zawe zanditse mu rurimi rw'amahanga, ushobora gusabwa kuzisemura n'umuhinduzi wemewe.

Intambwe 4: Kujya kuri banki

Akenshi umuyobozi w'ikigo cyangwa umuntu wahawe ububasha asabwa kujya kuri banki ubwe, afite pasiporo ye n'inyandiko z'ikigo. Banki ishobora gufata amafoto, gusaba umukono, no kuganira ku byerekeye ubucuruzi bwawe.

Intambwe 5: Kwemeza no gufungura

Nyuma yo kohereza inyandiko, banki isuzuma dosiye. Igihe gishobora kuba iminsi cyangwa ibyumweru bitewe n'ubwoko bw'ikigo n'ibisabwa bya banki. Iyo byemejwe, banki itanga nimero ya konti n'amabwiriza yo kuyikoresha.

Ibibazo bikunze kubaho

• Kutagira uruhushya rwo gutura: Abanyamahanga benshi bafite business license ariko nta residence permit. Banki zishobora gusaba ibisobanuro birambuye cyangwa inyandiko y'inyongera.
• Izina ridahuye: Niba izina ryawe kuri pasiporo ritahuye n'iryo ku nyandiko z'ikigo, bishobora gutinda. Vugana n'umujyanama wawe mbere.
• Ubwoko bw'ubucuruzi butazwi: Banki zishobora kwanga gufungura konti iyo ubucuruzi butagaragaye neza cyangwa iyo hari impungenge ku bijyanye n'amafaranga.
• Igihe cyo gutegereza: Mu bihe by'ubwiyongere bw'igenzura ry'amafaranga, banki zishobora gufata igihe kinini.

Ingamba zo kwitegura neza

• Tangira kuganira na banki mbere y'uko ikigo cyawe kirangiza kwandikwa, niba bishoboka;
• Tegura dosiye yuzuye: inyandiko z'ikigo, za pasiporo, n'ibimenyetso by'aho utuye;
• Ganira n'umujyanama w'amategeko cyangwa umubaji w'ibaruramari wamenya amabwiriza ya banki z'aho;
• Kora ugereranyije banki nyinshi mbere yo guhitamo;
• Komeza kwandika neza amafaranga yose yinjira n'asohoka mu kigo.

Ubutumwa bwo gusoza

Gufungura konti ya banki y'ikigo i Bushinwa birashoboka, ariko bisaba kwitegura neza no kubahiriza amabwiriza. Ntukekeranye kugisha inama abahanga mu by'amategeko n'ibaruramari mbere yo gufata ibyemezo. Amakuru yatanzwe hano ni ay'ubufasha gusa kandi ashobora guhinduka.