Yeffeɣ-d · Tamazight

Aselday n umiḍan n tedrimt n tkebbanit deg Ccinwa

Amagrad amatay i imesnulfan ibṛṛaniyen ɣef wamek ad ldin amiḍan n tedrimt n tkebbanit deg Ccinwa: tiwuriwin, isaɣzifen, tarrayin, d yisekkilen i tengin. Mačči d tayuri n usaḍuf wala n teeẓẓi.

Win yebɣan ad yebnu takebbanit deg Ccinwa (mainland) ilaq ad yissin belli amiḍan n tedrimt n tkebbanit (corporate bank account) mačči d taluft n yiḍes. D tarrayt tusridt i wsenqed, i wakken ad tettwassen tkebbanit-nwen, daɣen i uselqem n yedrimen d yilemḍen. Deg umagrad-a ad nesfru tiwuriwin tigejdanin, isaɣzifen, d tarrayin i tettilin deg uselday n umiḍan n tedrimt n tkebbanit. Amagrad-a d amata n yisallen kan, mačči d tayuri n usaḍuf wala n teeẓẓi.

Ayɣer ilaq umiḍan n tedrimt n tkebbanit?

Takebbanit tettḥaǧǧ amiḍan n tedrimt i wakken ad teldi iẓuran n tedrimt, ad tqebbel tazmert n yidlisen n lmal (invoice), ad texdem tigawin n tniwiyin (transfer) d yisaliyen n lmal. Deg Ccinwa, tigawin-a tettwagendent s yisallen n tkebbanit d yisallen n umiḍan. Ma ur yelli ara umiḍan, takebbanit tzemmreḍ ad tettwakkes seg waṭas n yizerfan n tedrimt d yisaliyen.

Ismawen d yisekkilen n umiḍan

Deg Ccinwa, amiḍan n tedrimt n tkebbanit yettwassen s «duigong zhanghu» (对公账户). Llan snat n taggayin tigejdanin:

• Umiḍan n ussisen (basic account): d netta i d-yettwasemma am «basic deposit account». Yessefk ad yili ɣur-k yiwen kan. Deg-s i tettili tazmert n ufexs n yedrimen d uselqem n yidlisen. D netta i d-yettusemmaɣen i wakken ad tili tkebbanit tettwassen s lqanun.
• Umiḍan n tzemmurt (general account): yettwasemma daɣen «general deposit account». Yezmer ad yili ɣur-k ugar n yiwen, yettwasxedem i yigrawen n tedrimt, am uselqem n yilemḍen, maca ur yezmir ara ad yexdem akk tigawin n ussisen.

Llan daɣen imiḍanen n tedrimt n yisaliyen (foreign currency accounts) d imiḍanen n tedrimt n uselqeḍ (loan accounts), maca tigawin-nsen tettwasemma s tarrayin n tkebbanit d yiẓuran n uselqem.

Isekkilen n uselday: anwi idlisen i ilaqen?

Umuḍan n tedrimt n tkebbanit yettwasemma s usenqed n yisallen n tkebbanit d yisallen n yimḍanen. D aya i d-yessefraren atas n wuguren i imesnulfan ibṛṛaniyen. S umata, ilaq:

• Idlisen n tkebbanit: taṛṛat n uselday (business license), taṛṛat n ussisen n tkebbanit, d yidlisen n uselqem n tkebbanit.
• Idlisen n umḍan: passport n umḍan aqbur, d yidlisen n uselqem n tmacint n umḍan (visa wala residence permit) ma yella.
• Idlisen n tmacint: taṛṛat n tmacint n tkebbanit (business premises), am wakal n uxeddim wala taṛṛat n uselqem n wexxam.
• Idlisen n tedrimt: taṛṛat n uselqem n yedrimen (capital contribution), d yidlisen n ussisen n yidlisen n lmal.
• Idlisen n uselqem n tkebbanit: tarrayt n uselqem n tkebbanit (articles of association), d yidlisen n uselqem n yimḍanen n tkebbanit.

Kra n tkebbanin zemmrent ad ssutrent idlisen-nniḍen, am uselqem n yisallen n tkebbanit ɣef yisaliyen, wala taṛṛat n uselqem n yisallen n tedrimt. Ilaq ad tessnem tkebbanit-nwen belli isaɣzifen-a ttemxallafen seg tkebbanit ɣer tayeḍ, seg temnaḍt ɣer tayeḍ.

Tarrayin n uselday: amek i tettili?

Amecwar yezmer ad yeṭṭef seg kra n wussan ɣer kra n yimalasen, ɣas akken ur nzemmir ara ad d-nessken isallen n wakud aɣbalu. S umata, tarrayin tettili akka:

• 1. Wehhu idlisen: semmaẓ idlisen-nwen d yidlisen n tkebbanit, s tsuɣt n uselqem d yisallen n yimḍanen.
• 2. Fren takebbanit: ṭṭef deg yiwet wala deg snat n tkebbanin i uselday. Kra n tkebbanin ɣur-sent tarrayin n uselqem n yisallen n tkebbanit ibṛṛaniyen.
• 3. Ssuter amiḍan: ɣer tkebbanit s yidlisen-nwen. Zemreḍ ad tessutreḍ amiḍan n ussisen (basic account) seg tazwara.
• 4. Uselqem n tkebbanit: tkebbanit ad tessebgen yisallen-nwen ɣef tkebbanit d yimḍanen. Kra n tkebbanin ad ssutrent ad tṛuḥeḍ ɣer tkebbanit s timmad-nwen.
• 5. Uselday n umiḍan: ma tettwaqbel, ad tettunefk-ak tazmert n umiḍan d yisallen n uselqem.
• 6. Asefsi n umiḍan: seld amiḍan s yedrimen n uselqem n tkebbanit, d tarrayt n uselqem n yedrimen.

Tiwuriwin tigejdanin i imesnulfan ibṛṛaniyen

Atas n imesnulfan ibṛṛaniyen ttḥaǧǧen ad qeblen kra n tiwuriwin i wakken ad zzin ɣef wuguren:

• Taɣara n tkebbanit: amiḍan n tedrimt yettwasemma s yisallen n tkebbanit, ur yezmir ara ad yili s yisallen n umḍan kan.
• Tutlayt d uselqem: kra n tkebbanin ssutrent idlisen s tutlayt n Ccinwa. Ilaq ad tḥeṛṛseḍ tsuɣt n usuɣel n yidlisen.
• Asenqed n yisallen n tkebbanit: tkebbanin ttwalin s leɛnaya ɣef yisallen n uselqem n tkebbanit, d yisallen n yedrimen, d yisallen n yimḍanen.
• Uselqem n yisallen n tkebbanit: ma yella umḍan-nwen d aqbur wala d amaynut, ilaq ad tesselqemem yisallen-nwen ɣer tkebbanit.
• Amḍan n yedrimen: kra n tkebbanin ɣur-sent tarrayin ɣef wazal n yedrimen i ilaqen i uselday n umiḍan.
• Aḍfar n yisallen: ɣer-s tazmert n uselqem n yisallen n tkebbanit ɣef yisaliyen d yedrimen. Aḍfar-a yezmer ad yeṭṭef wakud.

Tiwelliyin tigjdanin

Ma tettwasemma tmurt d tettwassen s lqanun, takebbanit-nwen tettḥaǧǧ amiḍan n tedrimt n tkebbanit i wakken ad teldi tigawin-nwen. Maca, amecwar yezmer ad yeṭṭef wakud, d yisallen i ilaqen zemmren ad mgaraden seg tkebbanit ɣer tayeḍ. Ilaq ad teqqimem d imsawalen d tkebbanit-nwen d yimḍanen n uselqem n tkebbanit. Ma tesriḍ tallelt, tzemmreḍ ad tsutreḍ seg yimḍanen n uselqem n tkebbanit wala seg yimḍanen n usaḍuf.

Tamawt: amagrad-a d amata n yisallen kan. Mačči d tayuri n usaḍuf wala n teeẓẓi, ur yettaǧǧa ara ad tettwaqbel am uselqem n usaḍuf wala n tedrimt. Ilaq ad teqqimem d imsawalen d yimḍanen n usaḍuf d yimḍanen n tedrimt i uselqem n tkebbanit-nwen.