• I-SEC ixwayisa “Ngomkhonyovu Wemali Ethuthukile,” ixwayisa umphakathi ngabakhohlisi abazenza izinkampani ezibolekisayo ezisemthethweni noma ezixhasa ngezimali ezidinga amadiphozithi angaphambili.
• Lo mkhonyovu ubandakanya ukukhohlisa izisulu ngezithembiso zezinzuzo noma izinzuzo zezezimali ukuze uthole izinkokhelo zangaphambili, ngokuvamile ezenzeka ezinkundleni ezinjenge-“Telegram” kanye nenkundla yezokuxhumana.
• Umphakathi uyakhunjuzwa ukuthi uqinisekise ukuba semthethweni kwemisebenzi yezezimali futhi uhlale uqaphile ngemikhonyovu engase ibe khona.

I-Securities and Exchange Commission (SEC) ixwayise ngomkhonyovu omusha owaziwa ngele-“Advance Fee Scam”. Umphakathi uyakhunjuzwa ukuthi uqaphe abakhohlisi abazenza izinkampani ezibolekisayo ezibhalisiwe noma ezixhasa ngezimali izinkampani ezibolekisayo kodwa zidinga idiphozithi noma imali ekhokhwa kusengaphambili kumboleki kuqala. 

Yini Umkhonyovu Wenkokhelo Engaphambili?

Ngokusho kweKhomishana, “umkhonyovu wemali ekhokhwa kusengaphambili” kuwuhlobo lokukhohlisa lapho abantu noma izinhlangano, ezivame ukuzenza njengabahlinzeki besevisi abasemthethweni, ababolekisi, noma izinhlangano, zicele inkokhelo kusengaphambili noma imali kulowo ohlukunyeziwe, ethembisa inzuzo enkulu, isevisi, noma inzuzo yezezimali esikhathini esizayo.

Kwenzeka kanjani umkhonyovu wemali ekhokhwa kusengaphambili?

The SEC kuphawulwe ukuthi abenzi bobubi bangase bathi banikeza imali ebolekiwe ngamanga futhi bacele abangase bababoleke ukuthi bakhokhe imali ekhokhwa ngaphambili noma idiphozithi ngaphambi kokuba imalimboleko icutshungulwe noma inikezwe. 

Uma isisulu sesikhokhe inkokhelo yangaphambi kwesikhathi, umkhohlisi ngokuvamile uyanyamalala ngaphandle kokunikeza imali mboleko noma isevisi ethenjisiwe.

Ikhomishana yabelane ngokuthi ukukhohlisa kuvame ukuvela ku-"Telegram" nakwezinye izinkundla zokuxhumana. Izisulu zengezwa engxoxweni yeqembu nababoleka mbumbulu abathi bathole imali ebolekiwe ngosizo lwenkampani mbumbulu ebolekisayo noma exhasa ngezimali. 

Ngaphezu kwalokho, i-SEC iphawule ukuthi abantu abaseqenjini lengxoxo bavame ukukhuluma ngolimi okungelona olwasePhilippines noma ngolimi lwangaphandle. 

Amafulegi Abomvu okufanele uwaqaphele

Izinkokhelo zangaphambili

Ababolekisi bangempela abaziceli izinkokhelo kusengaphambili, amadiphozithi, izimali zokucubungula, noma izimali ezikhokhwa kusengaphambili ngaphambi kokunikeza imali mboleko. Qaphela uma uhlangabezana nesidingo senkokhelo enkulu ngaphambi kokuthola noma yiziphi izinsiza.

Izithembiso Ezingenangqondo

Abakhwabanisi bavame ukwenza izithembiso ezibonakala zizinhle kakhulu ukuba zibe yiqiniso, njengokugunyazwa okuqinisekisiwe kwemali mboleko, kungakhathaliseki umlando wesikweletu. Ababoleki kufanele baqaphele uma okunikezwayo kubonakala kuphana ngokweqile noma kungenangqondo.

Amaqhinga Okucindezela

Abakhwabanisi bangase basebenzise amasu anengcindezi ephezulu ukuze bacindezele abantu ekwenzeni izinqumo ngokushesha, lokhu kungase futhi . Qaphela ukuphuthuma ezicelweni zenkokhelo noma zolwazi lomuntu siqu.

Ongaziwas noma Amapulatifomu Angaqinisekisiwe

Uma okwenziwayo noma ukuxhumana kwenzeka ezinkundleni ezingaziwa noma ezingaqinisekisiwe, njengezinhlelo zokusebenza zemiyalezo eyimfihlo noma inkundla yezokuxhumana, kungase kuphakamise ukukhathazeka. Amabhizinisi asemthethweni ngokuvamile asebenza ezinkundleni ezimisiwe nezingaqinisekiswa.

Ukuntuleka Kwemibhalo Esemthethweni

Ukubolekisa okusemthethweni noma ukuthengiselana ngezimali kuhilela imibhalo efanele nezinkontileka. Abatshalizimali kumele baqinisekise ukuthi basebenzisana namafemu abhalisiwe. Uma inqubo ingenakho obala noma amaphepha asemthethweni, ingase ibonise umkhonyovu.

Ukuxhumana Okungenamsebenzi

Uhlelo lolimi olungalungile, amaphutha esipelingi, noma ukuxhumana okubonakala kungenamsebenzi kungase kube inkomba yomkhonyovu. Ukusetshenziswa kwezinye izilimi nakho kungaba ifulegi elibomvu. Amabhizinisi asemthethweni agcina izinga lochwepheshe ekusebenzelaneni kwawo.

Oxhumana Nabo Abangaphandle Noma Abangatholakali

Abakhwabanisi bangase basebenze besuka ezindaweni zangaphandle noma basebenzise imininingwane yokuxhumana engatholakali. Qaphela uma kuyinselele ukuqinisekisa ukufaneleka kwenkampani noma komuntu.

Alikho Ikheli Lendawo

Amabhizinisi asemthethweni ngokuvamile anekheli lendawo. Uma umbolekisi noma inkampani exhasa ngezimali inganikezi ngendawo engokoqobo engaqinisekiswa, kungaba ifulegi elibomvu.

Ukunikezwa okungacelwanga

Uma uthola okunikezwayo kwemali mboleko okungaceliwe ngama-imeyili, imilayezo, noma amakholi, qaphela. Ababolekisi abasemthethweni abavamile ukufinyelela ngokungahleliwe ukuze banikeze imali mboleko.

Izikhumbuzi ze-SEC Nezeluleko

Izinkampani ezibolekisayo ezisemthethweni noma ezixhasa ngezimali aziceli amadiphozithi, izimali zokucubungula, noma izimali ezikhokhwa kusengaphambili kubaboleki ngaphambi kokuhlinzeka ngemalimboleko. 

Ikhomishana igcizelele ukuthi abantu kufanele bacwaninge ngokucophelela noma yikuphi ukuthengiselana kwezezimali okubandakanya imali ekhokhwa kusengaphambili, njengoba ngokuvamile kubonisa umkhonyovu ongase ube khona. Ngaphezu kwalokho, umphakathi uyanxuswa ukuba uhlale uqaphile, ubhekisise, futhi ugweme ukuzibandakanya nalezi zinhlelo.

Ngenyanga edlule, i-SEC ixwayise umphakathi mayelana “umkhonyovu wokushajwa kabusha kanye nokwenza umsebenzi,” lapho abakhwabanisi besebenzisa amapulatifomu e-e-commerce mbumbulu, bezenza izinkampani ezinedumela elihle njenge-Amazon neShopee, eziyenga abantu ukuthi batshale imali ngezithembiso zamakhomishini nemivuzo. Uhlelo, olufana nohlelo lwe-Ponzi, lusebenzisa izimali zabatshalizimali abasha ukukhokha inzuzo yomgunyathi kubatshalizimali bangaphambili naphezu kwemivuzo ethenjisiwe.

Lo mbhalo ushicilelwe ku-BitPinas: I-SEC Ikhipha Isexwayiso Esisesidlangalaleni Ngomkhonyovu Wenkokhelo Esedlule

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• Ngaphambi kokutshala imali kunoma iyiphi i-cryptocurrency, kubalulekile ukuthi uzenzele eyakho inkuthalo futhi ufune izeluleko ezifanele zochwepheshe mayelana nesikhundla sakho esithile ngaphambi kokwenza noma yiziphi izinqumo zezezimali.
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• Source: https://bitpinas.com/fintech/sec-warns-advance-fee-scam/