SWIFT: Ogidi nke ego zuru ụwa ọnụ taa

Usoro Society for Worldwide Interbank Financial Telecommunication (SWIFT) bụ netwọk ozi gbasara ego zuru ụwa ọnụ nke ụlọ akụ na ụlọ ọrụ ego na-eji iji hụ na azụmahịa echekwara na ahaziri ahazi. Dị mkpa maka ahia mba ụwa, ọ na-enye ohere mgbanwe ngwa ngwa nke ozi ụlọ akụ n'etiti ihe karịrị Ụlọ ọrụ 11 ekesara na ihe karịrị Mba 200. Isiokwu a na-enyocha otú o si arụ ọrụ, ọrụ ya na akụ na ụba ụwa, yana ihe ịma aka na-apụta na ihe ndị ọzọ, karịsịa na ịrị elu nke teknụzụ quantum na cryptocurrencies.

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Nchịkọta ibe Nsogbu

Kedu ihe bụ SWIFT?

Emepụtara na 1973 na Belgium, ỤLỌ bụ a nkwado mba ụwa nke na-enye netwọk echekwara na-enye ohere ka ụlọ akụ gbanwee ntuziaka ịkwụ ụgwọ na ozi gbasara ego. N'adịghị ka ihe mmadụ nwere ike iche, SWIFT anaghị ebufe ego ozugbo ; Ọ bụ naanị na ịnyefe ozi ahaziri ahazi nke na-eme ka ịkwụ ụgwọ n'oke ala.

Netwọk SWIFT na-arụ ọrụ site na a usoro koodu kpọmkwem akpọ BIC ( Koodu njirimara ụlọ akụ), nke na-achọpụta ụlọ ọrụ ego ọ bụla ma hụ na ezigara azụmahịa na ụlọ akụ ziri ezi.

Kedu ka SWIFT si arụ ọrụ?

  1. Onye ahịa na-arịọ maka mbufe mba ofesi ya na ụlọ akụ ya.
  2. Ụlọ akụ ahụ na-eziga ozi SWIFT site na netwọk echekwara gaa na ụlọ akụ nnata.
  3. Ụlọ akụ na-edekọrịta ibe ha : Ọtụtụ mgbe otu ma ọ bụ karịa intermediaries (ụlọ akụ ndị na-edekọ ozi) na-akwado nnyefe.
  4. A na-etinye ego n'ikpeazụ na akaụntụ onye ga-erite uru, mgbe nkwado na nkwụghachi ụgwọ nke ego.

Ejikọtara azụmahịa SWIFT ọ bụla na a Koodu pụrụ iche (MT103, MT202, wdg) nke na-ekwe nkwa traceability na nnabata na iwu ego.

Mkpa SWIFT na Economy zuru ụwa ọnụ

  1. Ụkpụrụ zuru ụwa ọnụ maka azụmahịa ụlọ akụ : Ụlọ akụ, azụmahịa na gọọmentị na-eji SWIFT eme ihe ịkwụ ụgwọ gafere oke, ahia mba ụwa, na njikwa ego. Nkuchi ya zuru ụwa ọnụ n'ezie Central akụrụngwa nke zuru ụwa ọnụ ego usoro.
  2. Ngwá ọrụ igodo maka nnabata usoro iwu: SWIFT na-arụ ọrụ dị mkpa na nke mgbochi ego mpụ (AML) na ego nke iyi ọha egwu site n'inyere ndị ọchịchị aka inyocha usoro ego na ịchọpụta azụmahịa ndị na-enyo enyo.
  3. Ihe nleba anya geopolitical: Ịnweta netwọk SWIFT bụ ngwá ọrụ bụ́ isi nke nrụgide akụ̀ na ụba. Dịka ọmụmaatụ, n'afọ 2012 na 2022. Ewepụla ụlọ akụ Iran na Russia na netwọkụ ahụ n'ihi mmachi mba ụwa, na-eme ka azụmahịa ego mba ụwa ha dị oke mgbagwoju anya.

SWIFT bụ a ngwá ọrụ dị mkpa maka ahia mba ụwa na ahịa ego n'ihi ọtụtụ ihe kpatara ya:

  • Standardization nke azụmahịa : N'ihi ozi ahazi ya, SWIFT na-eme ka nkwurịta okwu doro anya n'etiti ụlọ akụ gburugburu ụwa.
  • Nchekwa na ntụkwasị obi : Netwọk na-eji ezoro ezo dị elu iji chebe ozi ego.
  • Ịme ngwa ngwa nke ịkwụ ụgwọ : N'agbanyeghị na azụmahịa nwere ike were ọtụtụ ụbọchị, SWIFT ewebata atumatu dị ka SWIFT gpi (ihe ọhụrụ ịkwụ ụgwọ zuru ụwa ọnụ) iji mee ka ịkwụ ụgwọ gafere oke ọsọ ọsọ.
  • Nrube isi na ụkpụrụ mba ụwa : SWIFT na-etinye ụkpụrụ siri ike iji gbochie ịkwanye ego na ego ndị na-eyi ọha egwu.

Ihe ịma aka na oke nke Sistemụ SWIFT

N'agbanyeghị ọrụ ya bụ isi, SWIFT nwere ụfọdụ adịghị ike:

  • Azụmahịa nwayọ : Nbufe SWIFT nwere ike were 1 ruo 5 ụbọchị ọrụ, karịsịa n'ihi iji ọtụtụ ụlọ akụ intermediary.
  • Ọnụ ego dị elu : Onye ọ bụla azụmahịa na-arụpụta nnyefe ego na ụlọ akụ Commission, na-eme ka ego gafere oke ọnụ.
  • Ọdịdamma nke mwakpo cyber : N'agbanyeghị usoro nchekwa dị elu, SWIFT bụ ebumnuche nke mwakpo cyber, karịsịa na 2016 na-ezu ohi nke 81 nde dollar na Central Bank of Bangladesh.

Mgbochi ndị a emela ka mpụta ihe ndị ọzọ na ngwọta teknụzụ ọhụrụ.

SWIFT chere ihe ịma aka geopolitical na teknụzụ ihu

Mkpebi na ndọrọ ndọrọ ọchịchị nke netwọk

N'ihi ọrụ etiti ya, a na-ejikarị SWIFT dị ka ngwá ọrụ nke nrụgide geopolitical. Dịka ọmụmaatụ, na 2012 na 2022, ejiri SWIFT mee ihe ewepu ụfọdụ ụlọ akụ Iranian na Russia na nzaghachi na mmachi mba ụwa. Ndabere na netwọkụ a akpalila ọtụtụ mba, ọkachasị Russia na China, ịmalite Nhọrọ maka SWIFT, dị ka Russian SPFS na Chinese CIPS.

Mmụba nke teknụzụ Blockchain na CBDC

ịrị elu nke cryptocurrencies, blockchain na ego dijitalụ ụlọ akụ etiti (CBDCs) na-ajụ ụdị SWIFT. Teknụzụ ndị a na-enyere aka azụmahịa ngwa ngwa na-enweghị intermediaries, na-ebelata mkpa nke netwọk etiti dị ka SWIFT.

Iji nọgide na-asọmpi, SWIFT na-etinye ego na ya teknụzụ ọhụrụ, karịsịa:

  • Nchikota Blockchain iji melite nghọta na traceability nke ịkwụ ụgwọ.
  • SWIFT gpi inye ugwo agafe agafe ozugbo.
  • Jiri ego dijitalụ nke ụlọ akụ etiti nwale (CBDCs) iji hụ na ọrụ ya na ego nke ọdịnihu.

Nhọrọ maka SWIFT na Teknụzụ Ego Ọhụrụ

  • Cryptocurrencies na Blockchain: Netwọk dabeere na blockchain, dị ka Ripple (XRP) na Bitcoin, kwe ka a na-eme azụmahịa n'oke ala ihe fọrọ nke nta ka ọ bụrụ ozugbo na ọnụ ala dị ala, na-enye ihe ọzọ kwesịrị ntụkwasị obi na SWIFT.
  • Ndị China CIPS (Sistemụ Ịkwụ Ụgwọ Interbank Cross-Border): Ewepụtara na 2015, na CIPS bụ usoro ịkwụ ụgwọ mba ụwa nke China mebere iji belata ịdabere na SWIFT wee kwado mgbanwe n'ime yuan nuAmerica.
  • The Quantum Financial System (QFS) na ndịEgo Quantum : Na biakwa obibia mgbakọ na mwepụ quantum, ọhụrụ usoro dị ka Usoro ego nke Quantum (QFS) nwere ike gbanwee ego zuru ụwa ọnụ site n'ịkwado azụmahịa ngwa ngwa, nchekwa na ihe mgbochi. Ejikọtara ya ego quantum, ọ pụrụ iwepụ ihe ize ndụ nke wayo na mbanye anataghị ikike.
Foto onye edemede

 

Cristina Balan
Onye na-azụ ahịa na onye nyocha ego
N'ihe karịrị afọ 15 nke ahụmahụ na obi nke ahịa ego mba ụwa, Cristina Balan bụ onye a ma ama na ịzụ ahịa na itinye ego. Onye bụbu onye isi ahịa ahịa European na Admirals na onye isi ahịa na XTB, Ọ zụrụ ma kwado ọtụtụ puku ndị ahịa kwupụta ihe ịga nke ọma ego ha. 💫 Ọkachamara ya: Nka na ụzụ azụmaahịa na azụmaahịa azụmaahịa, ihe egwu na njikwa isi obodo azụmaahịa azụmaahịa azụmaahịa 🎓 ntozu ya: Ugboro abụọ Master ESCP Business School & Aarhus University Certification AMF CFA Level I Expert Committee on Admirals Founder of the platforms Edubourse.com and TraderFrancophone.fr, Cristina taa na-ekerịta ọkachamara ya pụrụ iche site na ọzụzụ na nyocha nke enyerela ọtụtụ puku ndị na-etinye ego aka ịgbanwe ụzọ ha. nke trading. "Ebumnobi m: inye gị mkpịsị ugodi maka ịzụ ahịa ego na ịmepụta atụmatụ ịzụ ahịa ogologo oge na-emeri." Chọpụta nyocha na ọzụzụ ọhụrụ ya iji bute azụmaahịa gị n'ọkwa ọzọ 🚀

 

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