CITIC Securities yasohoye raporo y’ubushakashatsi ivuga ko kuzamura amafaranga y’ikoranabuhanga nk’ibikorwa remezo byo kwishyura mu gihe cy’ubukungu bwa digitale ari ibintu rusange.Ukurikije ibiranga amafaranga ya digitale, uburyo bwo kwishyura bwabakoresha nuburyo bwo kwishura kuri terefone igendanwa bishobora guhura nuburyo bwo kuvugurura.Uruhare rugaragara rwabakora inganda zitandukanye ruteganijwe kuzana ibitekerezo byinshi mukuzamura no gukoresha amafaranga ya digitale.Digital Digital ifite uburyo bwa tekiniki bwo gukoresha imipaka, kandi biteganijwe ko izava mu bicuruzwa ikagera ku kwambuka imipaka mu gihe kiri imbere, kugira ngo ishimangire ihiganwa mpuzamahanga ry’amafaranga hamwe n’inyungu ya mbere yimuka.Hamwe nogukomeza kuzamura porogaramu ya digitale ya digitale, urunigi rwinganda ruteganijwe gukomeza inyungu.Birasabwa kwita kubatanga serivise zijyanye no gukora Hard Wallet, gushyigikira guhindura ibikoresho byo gukusanya & terminal byemewe, kubaka sisitemu yubucuruzi yubucuruzi nikoranabuhanga ryumutekano.
Ibitekerezo byingenzi bya CITIC Securities nuburyo bukurikira:
Digital Digital e-cny: ibikorwa remezo byo kwishyura mugihe cyubukungu bwa digitale, inzira rusange yo kuzamurwa.
Ifaranga rya digitale yemewe nuburyo bwiza bwo kunoza imikorere, kugabanya amafaranga yo kwishyura no gushimangira imiyoborere ya leta.Muburyo bwinshi bwamategeko agamije iterambere ryifaranga, guhindura ibidukikije byishyurwa no kuzamura ikoranabuhanga rya digitale, biteganijwe ko ifaranga rya digitale ryemewe rizahinduka ibikorwa remezo byishyurwa mugihe cyubukungu bwa digitale hamwe niterambere rusange ryiterambere.Ifaranga rya digitale ryatanzwe na Banki Nkuru yUbushinwa ryitwa e-cny.Ihagaze nkibikorwa remezo byo kwishyura mugihe cyubukungu bwa digitale.Ikorwa ninzego zabigenewe.Ukurikije sisitemu ya konte rusange, ishyigikira imikorere idahwitse ya konti ya banki.Iringana n'amafaranga y'umubiri kandi ifite ibiranga agaciro n'indishyi zemewe n'amategeko.Kugeza ubu, umuderevu wa e-cny aratera imbere gahoro gahoro, kandi kumenyekanisha no kuyishyira mu bikorwa bizihuta mu 2021.
Imikorere & Ikoranabuhanga Sisitemu: imiyoborere ikomatanyirijwe hamwe, ibyiciro bibiri byububiko bwububiko, ibintu birindwi + ibyubatswe bivanze byafunguye umwanya.
E-cny ishyizwe mugusimbuza igice igice cyamafaranga azenguruka (M0), ihuza ibyiza byamafaranga no kwishyura hakoreshejwe ikoranabuhanga.Byongeye, ifata imiyoborere ikomatanyije hamwe na sisitemu yo gukora ibyiciro bibiri byo gutanga ibyiciro no kuzenguruka.E.Digital Digital ntabwo ishyiraho inzira ya tekiniki kandi ishyigikira ubwubatsi bwa tekinoroji yubuhanga, bivuze ko ibintu byinshi biteganijwe ko havuka ibintu bishya bya tekiniki biranga e-cny, biteganijwe ko bizana imishinga mishya yubucuruzi n'amahirwe yo kwisoko.
Ubwihindurize bushingiye ku bwihindurize: biteganijwe ko buzava mu bicuruzwa bikagera ku kwishyura kwambukiranya imipaka, kunoza imikorere yo kwambuka imipaka no guteza imbere mpuzamahanga.
Kugeza ubu, byihuse, hamwe na sisitemu yo kwishyura imipaka y’Ubushinwa CIPS hamwe n’uburyo bugezweho bwo kwishyura mu Bushinwa CNAPS, bigize gahunda yo kwishyura imipaka y’Ubushinwa, ari nacyo gipimo ngenderwaho mpuzamahanga cy’ubutumwa rusange bw’imari.Banki Nkuru y'Ubushinwa ifata iyambere mu kuzamura ifaranga rya digitale mu bukungu bukomeye ku isi.Guhuza konti za banki hamwe nibiranga ubwishyu nkuko kwishyurwa bishobora gufasha amafaranga yishyuwe kwambuka imipaka kugabanya kwishingikiriza kuri sisitemu yihuse no kunoza imikorere yo kwambuka imipaka.Hamwe n’inyungu ya mbere yimuka, biteganijwe ko bizashimangira ihiganwa mpuzamahanga ry’ifaranga ryabaturage.Nk’uko impapuro zera zivuga ku bushakashatsi n’iterambere ry’iterambere ry’amafaranga y’Ubushinwa yatanzwe na banki nkuru, amafaranga y’ikoranabuhanga afite uburyo bwa tekiniki bwo gukoresha imipaka yambukiranya imipaka, ariko kuri ubu akoreshwa cyane cyane mu gukemura ibibazo byo kwishyura mu gihugu imbere.Kugeza ubu, ubushakashatsi niterambere ryikizamini cyo kwambuka imipaka kigenda gitera imbere muburyo bwiza.
Ingeso zabakoresha, imiterere yisoko cyangwa isura ivugurura, hamwe nubucuruzi bushobora gukoreshwa ni bunini.
1) Umufuka woroshye: abakora porogaramu ya digitale ya digitale baratandukanye, ssenariyo yo gusaba ikotomoni yoroshye ihora ikungahaye, kandi uburambe bwo gukoresha bugenda bwegera buhoro buhoro ibikoresho byo kwishyura bya elegitoroniki.Nukwinjira kwishura, birashobora gufasha amabanki yubucuruzi kwagura umugabane wisoko ryo kwishura ibicuruzwa, kandi banki zubucuruzi nazo ziteganijwe guteza imbere serivisi zongerewe agaciro hafi yumubare w’amafaranga yishyurwa.
)CITIC Securities yizera ko hari amahirwe yo guhindura imikorere yimikoreshereze yabakoresha nuburyo bwo kwishura kuri terefone igendanwa mubundi buryo bwikariso ikomeye, nkikarita, itumanaho rya terefone igendanwa hamwe n’ibikoresho byambara bitanga serivisi zitanga serivisi zifite intego yo kugira uruhare mu kwinjira kugirango baharanire gusobanukirwa ibishya. ibinyabiziga byinjira nibikorwa.Uruhare rugaragara rwabashoramari batandukanye ruzazana ibitekerezo byinshi mukuzamura no gukoresha amafaranga ya digitale.
3) Imikino Olempike yubukonje yahindutse urwego rwingenzi rwo kuzamura e-cny, kandi ibyashingiweho biteganijwe ko bizakomeza gutera imbere mugihe kizaza.
Impamvu zishobora guterwa: guteza imbere politiki y’ifaranga rya digitale bitinda kurenza uko byari byitezwe, kandi kubaka ibikorwa remezo byo kuri interineti ntibiri munsi y’uko byari byitezwe.
Igihe cyo kohereza: Werurwe-14-2022