Cash ama non-caddaan ah lacagta?

Cash leeyahay taariikh dheer. The-baarka ugu horreeya ee lacagta caddaanka ah ee foomka of qadaadiicda muuqday in ka badan 2500 oo sano ka hor gayiga Turkey casriga ah, ee gobolka Lydian ah. Laakiin daaweyn qadaadiicda baahsan helay 450 BC ee Faaris, markii boqorkii Daariyus iyaga bedelay is-dhaafsiga badeecadaha, oo ay ku jiraan hargahood oo sida lacagta waxaa sida caadiga ah loo isticmaalo, baararka biraha, qolofka, xoolaha iyo wixii la mid ah. Lacag Paper asalkiisu ka soo jeedo ku dhawaad 800 oo sano ka dib war abuurashadoodii ah warqad, dhamaadka BC ugu horeysay ama kunkan sanadood, ee Shiinaha (910 sano), halkaas oo ay ka heleen wareegga a mass.

Maanta, ereyga "lacag caddaan ah" macnaheedu waa qoraalada bangiga iyo lacagta qadaadiicda in ay yihiin iyada oo la raacayo sharciga uu soo saaray Bangiga Russia. bangiga dhexe ee dalka waxa uu xaq u gaar ah si ay u soo saaraan lacag caddaan ah, lacagta been-abuurka ah waxaa maxkamad hoos Xeerka Dambiyada.

Cash - xisaabinta ka dhigan tahay ugu horayn loogu talagalay dadka (muwaadiniinta) aan ku hawlan dhaqdhaqaaqa ganacsiyada, in uu yahay, waayo kiisaska kuwa, marka qofka wax iibsada naftayda ... Qaar ka mid ah dhaqdhaqaaqyadii ugu weyn oo lacag caddaan ah waxaa waajib ah in la xakameeyo (tusaale ahaan, haddii shaqsi ahaan ayaa iibsaday isaga nafsaddiisa u securities ka qiimo badan tahay 600 oo kun. rubles oo bixisay lacag caddaan ah).

Qayb weyn oo ka mid ah hawlaha u dhaxeeya shirkadaha iyo ururada (hay'adaha sharciga ah) ama ururada iyo muwaadiniinta fuliyay layliga hawlaha ganacsi waa in la fuliyaa by kala iibsiga bangiga.

Si kastaba ha ahaatee, lacagta ka dhaxeeya shaqsiyaadka iyo hay'adaha sharci dalban karaan lacag kaash ah oo aan lacag caddaan ah. The hawlaha shirkadaha lacag caddaan ah waa iyada oo la raacayo xeerarka lagu maamulo hawlgallada lacagta caddaanka ah, oo ay ku jiraan lacagta aan lacagta caddaanka ah bixinta kaararka bangiga, marka, ka dib markii reading macluumaadka ku qoran kaadhka oo macaamiisha la soo saaray jeeg.

Si ka duwan ee dhaqdhaqaaqa kaashka, banaanka waa la fuliyay oo kaliya iyada oo loo marayo urur idman credit iyada oo loo marayo diiwaangelinta si bixinta, hubi, ama hawlgalka credit ururinta.

Cash iyo non-caddaan ah lacagaha leeyihiin faa'iido iyo khasaare u gaar ah oo ay. The darrada lacagta aan lacagta caddaanka ah waxa ka mid ah xaqiiqda ah in shirkadaha iyo hay'adaha badan ee dalkeenna ma taageersani xisaabaha dheer kaararka bangiga shakhsiyaadka. E. Inta badan dadka warbaahinta tafaariiqda yar ma iibsan kartaa alaabta by kala iibsiga silig. Tirada hawlgallada been abuur ah ku qaadeen kaararka lacagta aan lacagta caddaanka ah, ma hoos sannad ka sannad. mudalabyada daacad makhaayad, tusaale ahaan, qori kartaa off lacagta map ka badan wixii adeegyada waxaa lagu buriyay weyn. ATM inta badan geliya akhristayaasha, jidaynayey khaa'imiintan inuu wax xado lacag ka kaarka.

Dhinaca kale, kaadhka kuu ogolaanayaa inaad si ay u fuliyaan idiina agagaarka weyn oo ah qaab rikoor elektaroonik ah. Haddii uu lumo, oo ku furid waqtigii lacag on waxba dhacdo ugu danbeyn, ka duwan lacagta birta ah lumo ama la burburay ama rabadh - inkastoo Bank of Russia iyo qaadataa sarrifka ee duugoobay oo lacag warqad ay waxyeello ah xaaladaha qaarkood.

xaqiiqada Ruush soo jeedisay in qofka qaba baahi loo qabo in mar walba lacagta caddaanka ah ee lacagta yar. Oo cabbaar ka fog magaalooyinka waaweyn, weyn ee u baahan yahay lacag caddaan ah. Si kastaba ha ahaatee, xidhashada xaddi weyn oo leh mar walba ma nabdoon (kanna waa la'aanta weyn oo lacag caddaan ah), marka lagu daro lacagta birta ah iyo lacag warqad waa ka wanaagsan in ay leeyihiin kaarka bangiga, taas oo uu leeyahay shabakad balaadhan oo ah ATM iyo laamo, halkaas oo aad had iyo jeer ka saari kara lacagta la doonayo.