IGuernsey- Kutheni iliZiko lokuGqwesa kweFintech?
imvelaphi
Ixesha langoku ledijithali liza nemiceli mngeni emitsha kunye namathuba kwicandelo lezemali. Ukuya kuthi ga nge-20 kaJulayi ka-2015 amazwe aseGuernsey akhuphe ingxelo yawo 'ngumbono weQhinga leFinTech' oyilwe yi-PwC kwaye waba negalelo kubameli abangaphezulu kwama-70 beshishini lendawo kunye necandelo leFinTech kubandakanya iDixcart Trust Corporation Limited.
I-FinTech, njengoko ichazwa yiKhomishoni yaseYurophu, yindibaniselwano yeenkonzo zezimali ezintsha kunye nokufumaneka kwenkunzi ngokusetyenziswa kobuchwephesha obutsha (bedijithali).
Ukuthetha ngokubanzi iFinTech inokwahlulwa ngokwamacandelo amane okwangoku;
- iintlawulo kunye neengxowa-mali (i-crypto-currencies, ukutshintshiselana kwemali, imali yeselula kunye neentlawulo zokusebenza),
- isoftware (nayiphi na inkqubo okanye inkqubo eyilelwe ukuphucula iinkqubo zeofisi kunye naphakathi),
- idatha / uhlalutyo (itekhnoloji eqokelela kwaye ihlalutye idatha ukuvelisa ulwazi ukuphucula ishishini okanye ukujolisa abathengi ngokufanelekileyo, ihlala ibizwa ngokuba "yidatha enkulu").
IFinTech yenza ifuthe elibonakalayo kwintengiso yeenkonzo zezemali. Ngelixa okunye koku kunguquko yendalo kushishino, inqanaba lotshintsho lwangoku kunye nenqanaba lamathuba amatsha zibalulekile.
Ukukhula kwehlabathi kwiFinTech kuye kwakhawuleza kwaye icandelo liqikelelwa ukuba liza kuqhubeka le patheni yomeleleyo yohlumo.
UQINISEKISO NJENGEZIKO LOKUGQIBELA LOKUGQIBELA
IGuernsey inamandla amakhulu ayenza ukuba inomdla kwicandelo leFinTech kubandakanya:
- Ukusekwa kweNtembeko kunye nokuthembeka njengeCandelo lezeziMali leHlabathi
Icandelo lezemali laseGuernsey likhule ngempumelelo ngaphezulu kweminyaka engamashumi amahlanu. Iingcali zinamava abanzi, iziseko zophuhliso zikhona kwaye kukho ingqokelela yemali efundisiweyo kwaye oku kube negalelo ekubeni isiQithi sibe liziko eliphambili lenkonzo yezemali, nelaziwa kakhulu.
- Ukukwazi ukuba yiFlexible kunye ne-Agile neMithetho kunye neMimiselo yokubonelela ngeemeko ezifanelekileyo 'zoVavanyo lweBhedi'
Ukuzimela ngokomthetho nakwezemali kuvumela isiqithi ukuba siphendule ngokukhawuleza kwiimfuno zeshishini. Ikhomishini yeeNkonzo zezeMali yaseGuernsey ikhuthaza umgaqo oqinileyo kodwa osebenzayo kwaye idume ngokufikeleleka, ifikeleleke kwaye ivulekele izimvo ezintsha.
IGuernsey izinze kwezopolitiko nakwezoqoqosho- inqanaba eliphezulu le-AA + ukulinganiswa ngetyala kwi-Standard & Poor's-kwaye inezonxibelelwano eziqinileyo nase-UK nakwi-Yurophu ngokubanzi.
Isiqithi ke ngoko yindawo efanelekileyo yovavanyo yeFinTech.
- Akukho Rhafu yeNzuzo
Ukungabikho kweRhafu yeNzuzo eGuernsey sisibonelelo esikhulu njengoko uninzi lwabarhwebi bejonge ukuphuma ekuqaleni kwabo kwiminyaka emithathu ukuya kwemihlanu.
Oku kuthetha ukuba abatyali mali kunye noosomashishini banokuphinda batyale yonke inzuzo yabo kwiiprojekthi ezintsha. Njengoko uninzi lwamashishini eFinTech engenzi nzuzo ininzi kwiminyaka yokuqala, irhafu ephantsi kwimivuzo (esinye isibonelelo seenkampani ezibhaliswe eGuernsey) azisiyo, kule meko, inkuthazo enjalo.
- Akukho VAT kwinkcitho mali
Akukho VAT eGuernsey kwaye ke ukugcinwa kweVAT kunokufezekiswa kwimali eyinkunzi nakwinkcitho ethile yokusebenza, njengeendleko zokuthengisa.
Ukungabikho kwe-VAT kwinkcitho ye-capital kufana nokonga kwiindleko zokuqala zokuseta, njengokuthengwa kweeseva ezikwiSiqithi. Iindleko zezixhobo kunye nesoftware yeshishini leFinTech zinokubaluleka, zisonyusa ukonga okunokonwatyelwa.
- Ukufikelela kwiNkunzi kubandakanya iiNdlela zoLuntu eziDwelisiweyo
IGuernsey ibonelela ngobubanzi obubanzi bobuchwephesha bobume bezemali ukunceda ukwandisa amandla engeniso ngokusebenzisa umjikelo wobomi beprojekthi.
Uluhlu luyafumaneka ngeChannel Islands Security Security, kunye nolunye utshintsho.
IGuernsey izenzele indawo ebonakalayo ekunikezeleni ukufikelela kutshintshiselwano lwestokhwe samanye amazwe, ngakumbi iLondon Stock Exchange. Iinkampani ezingakumbi zaseGuernsey ziye zanempumelelo ekunikezelweni koluntu kwasekuqaleni kwezinto ezingezizo zase-UK, kunalo naliphi na elinye igunya emhlabeni.
- Ulawulo lweDatha
IGuernsey yintando yesininzi ezilawulayo, nenkululeko yomthetho kunye nemali evela e-UK nase-EU. Uwisa umthetho kuyo yonke imicimbi yangaphakathi, kubandakanya ukhuseleko lwedatha.
Isiqithi samkelwe yi-EU njengemigaqo eyaneleyo yokukhuselwa kwedatha. Oku kwenza ukuba amashishini akwazi ukuhamba ngokukhululekileyo phakathi kwe-EU neGuernsey.
'Ukunqandwa konxibelelwano' komthetho waseGuernsey usekwe kwinkqubo yokuvunywa kwezomthetho efanelekileyo xa kuthelekiswa neminye imimandla kwaye ifumene ukuvunywa ngokubanzi.
- Ukukhuselwa kwe-cyber ngokubanzi kwesiQithi
IGuernsey inonxibelelwano olomeleleyo nolukhuselekileyo lwedatha kuthungelwano lwehlabathi lweentambo zefayibha ezisezantsi. Iintambo zefayibha ezintandathu zidibanisa iGuernsey e-UK, France nase-phambili ukuya kwihlabathi liphela.
Njengesiqithi, kukho amandla okwenza 'iinkqubo zokubiyela' ngaloo ndlela kuncitshiswa izoyikiso ezithile ze-cyber, ezinje ngokuhanjiswa kwenkonzo (DDoS).
Ababoneleli beenombolo zeGuernsey babonelela ngeenkonzo zokucoca idatha eziqonda xa kuhlaselwa i-DDoS, kwaye ichonga kwaye ibhloka ukuhamba kwezithuthi ezinobungozi, ngelixa ivumela idatha efanelekileyo.
- Inkqubela phambili yeNkampani kunye noMthetho wePropati yeNgqondo
Isiqithi siqulunqe umthetho ophambili wepropathi enomgangatho ophezulu wokuqonda oquka iindawo ezininzi ezichaphazela uFinTech, eziquka;
- Ukukhuselwa kweBrand ngeempawu zorhwebo kunye namalungelo emifanekiso,
- Ilungelo lokushicilela, kubandakanya uLawulo lwamalungelo edijithali,
- Amalungelo olwazi, ukukhusela ixabiso elenziwe xa uhlalutya idatha,
- Ukubhaliswa kwakhona kwe-Patent, kubandakanya 'indlela yoshishino' patent.
- Indlela yokuphila kunye noLuntu
IGuernsey yindawo edlamkileyo kodwa ekhululekile yokuhlala kwaye isebenze ngemigangatho ephezulu yezempilo kunye nemfundo kunye nolwazelelo loluntu.
IGuernsey ineshishini leenkonzo ezibanzi ezisekwe kububanzi (kubandakanya neenkonzo zenkxaso) kwaye onke amashishini esiqithi kunye namaziko aphambili asondelelene omnye nomnye oko kuthetha ukuba lithuba lokuhlangana kobuso nobuso, ngexesha elincinci.
Indawo yesiqithi phakathi kweYurophu ne-UK siyibeka kwindawo yexesha phakathi kwe-US kunye neMpuma Ekude. Oku kwenza iGuernsey ibe yindawo efanelekileyo yokuqhuba ishishini namazwe ahlukeneyo.
isishwankathelo
Imithetho, imimiselo kunye nobuchule obukhoyo baseGuernsey buthetha ukuba isiqithi sele siyindawo enomtsalane kwiFinTech.
Ukungabikho kweRhafu yokuZuza ngeNtengo kunye neVAT eGuernsey kubonelela ngenkuthazo eyongezelelweyo kwiinkampani zeFinTech ukufumana apho.
Umsebenzi ozinzileyo kuwo onke amacandelo eFinTech ubandakanya; i-inshurensi, iimarike zezemali, imodeli yezemali, ababoneleli ngeenkonzo zokuhlawula, ulawulo lobutyebi, abatyali mali beqonga, oontanga, ulingano lwabucala kunye neinshurensi.
Ngolwazi oluthe kratya malunga nenkxaso yeshishini leFinTech ngaphakathi kunye nokusuka eGuernsey nceda uqhagamshelane neofisi yeDixcart eGuernsey: ingcebiso.guernsey@dixcart.com okanye kungenjalo nceda uthethe kunxibelelwano lwakho oluqhelekileyo lwe-Dixcart.
I-Dixcart Trust Corporation Limited, eGuernsey: Ilayisenisi epheleleyo yeFiduciary enikezwe yiKhomishini yeeNkonzo zezeMali yaseGuernsey.
Inombolo yenkampani ebhalisiweyo yaseGuernsey: 6512.
