SHENZHEN, Gumiguru. [XX] — Apo kambani inotengesa zvinhu zvematoyi iri kuGuangzhou, iyo inonyanya kugadzira zvinhu zvinounganidzwa, yakapinda muaccount yayo yePayPal kutanga kwa2025, kambani yakatarisana nemamiriro ezvinhu anotyisa: \(320,000 yemari yekutengesa yakanga yamiswa pasina yambiro yekutanga. Mari yacho - yakachengeterwa kutenga zvinhu zvisina kugadzirwa nguva yezororo yakakosha isati yasvika - yakaramba isingawanikwe kwemazuva makumi manomwe nemaviri ukuwo puratifomu iyi ichiongorora "kutyorwa kwemitemo." Chiitiko ichi chinoratidza dambudziko riri kukura muchikamu chekutengesa zvinhu zvematoyi muChina: kuwedzera kwekubhadhara kwevanhu vechitatu kwamira kwakakanganisa \)2.8 bhiriyoni mukutengeserana mukati mehafu yekutanga ya2025, zvichienderana neChina Toy & Juvenile Products Association (CTJPA). Sezvo mapuratifomu ekubhadhara epasi rose achiwedzera kuongororwa pakati pemitemo yakaoma yekurwisa kushambidzwa kwemari (AML) uye manejimendi enjodzi anotungamirirwa nealgorithm, vatengesi vari kukwikwidza kushandisa nzira itsva dzekudzivirira kufamba kwemari yavo.
Denda reKuoma Kwechando: Zvinokonzera uye Kukura kweDambudziko
Kusamira kwekubhadhara kwa2025 kunobva mudutu guru rekusimbaradzwa kwemitemo uye kukanganiswa kwetekinoroji. Vanopa mari pasi rose vakaita sePayPal, Stripe, neAlipay+ vakaisa mitemo yekudzivirira njodzi zvakanyanya vachitevera gwara reFinancial Action Task Force (FATF) rakagadziridzwa mukupera kwa2024, iro rinorayira kuti kutariswa kwekutengeserana kuve kwakasimba uye kusimbiswa kwekuongorora kutengeserana kwemakambani akasiyana.
Misika yekuEurope yave yakaoma zvikuru mushure mekunge Single Euro Payments Area (SEPA) yawedzera kusvika yabatanidza North Macedonia neMoldova muna Gumiguru 2025, ukuwo chikumbiro cheSerbia chakanonoka nekuda kwekunetseka kweEU pamusoro pehurongwa hwayo hweAML. Kupatsanurwa kwemitemo uku kwakamanikidza mapuratifomu ekubhadhara kuti ashandise nzira ye "mhosva kusvika yaratidza kuti haina mhosva", nekutengeserana kwematoyi kunowanzo ratidzwa nekuda kwehuwandu hwavo hwakawanda, kuchinja-chinja kwemwaka, uye dzimwe nguva kubatana nezvinhu zvenhema.
"Mapuratifomu ari kushandisa masisitimu anotungamirwa neAI anoratidza kutengeserana kwakavakirwa pamazana ezvimiro, asi maalgorithms aya anowanzo tsanangura zvisirizvo kutengeswa kwematoyi epamutemo seane njodzi huru," anotsanangura kudaro Michael Chen, director wekutarisira njodzi kuXTransfer, kambani inopa mhinduro dzekubhadhara dzinopfuura miganhu. "Takaona kuwedzera kwe217% kwenyaya dzekuvharirwa kwematoyi eChina muna 2025, neavhareji yenguva dzekugadzirisa dzinobva pamazuva gumi nemana muna 2023 kusvika pamazuva makumi mana nemanomwe ikozvino."
Makambani ekubhadhara emuno ari kukonzerawo kumanikidzwa uku. Bhangi guru reChina rakashuma kuti UnionPay neNetUnion vakabvumidza vatengesi makumi maviri nevashanu vasingateereri mitemo mumwedzi misere yekutanga ya2025, vachimisa mari yavo uye vachivabvisa muzvibvumirano zvemangwana. Kunyange hazvo mabhizinesi mazhinji akakanganiswa aine matambudziko ekutevedzera mitemo, vemukati meindasitiri vanofungidzira kuti 15-20% yekumisa mitemo inosanganisira manyepo, kunyanya kukanganisa chikamu chematoyi uko 60% yemari yegore negore inowanikwa muchikamu chechitatu-kota yechina.
Njodzi Dzakanangana Nemusika Uye Nyaya Dzakakurumbira
Kumira kwekubhadhara kunosiyana zvakanyanya munzvimbo dzakasiyana siyana dzinotengeswa zvinhu kunze kwenyika, zvichigadzira njodzi dzakaoma kune vanotumira zvinhu kunze kwenyika vekuChina.
MuNorth America, iyo inotora 38% yematoyi anotengeswa kunze kwenyika muChina, kusanganiswa kwemitemo yakasimba yekudzivirira vatengi uye kuona hutsotsi zvakanyanya kwakaita kuti "mari yekubhadharisa zvinhu iwedzere" ne189%. Mugadziri wematoyi epamusoro-soro anogara kuYiwu akaona $180,000 yakamira mushure mekunge mutengi wekuUS ati "haana kutumirwa" kunyangwe paine humbowo hwekutevera. Mari iyi yakaburitswa mushure mekuita kwekugadzirisa zvinhu kwakatora mazuva makumi matanhatu nematatu, zvichimanikidza kambani kunonoka kugadzira mutsetse wayo weKisimusi.
Misika yekuEurope ine matambudziko akasiyana pasi pemitemo mitsva yeSEPA. Vatengesi vanoburitsa kunze kwenyika vanoti kutengeserana kunodarika €15,000 ikozvino kwatarisana neongororo otomatiki, ne12% yekubhadhara kunotarisirwa kunonoka kwenguva refu. Kambani yeShenzhen inotumira matoyi ekudzidzisa kuGermany yakamiswa €240,000 munaKurume 2025 apo ma algorithms epuratifomu akaratidza "maitiro ekutengeserana asina kujairika" - akazonzi akakonzerwa nekuwedzera kwemwaka muodha dzemakit ayo emhando dzedinosaur anozivikanwa.
Misika iri kusimukira haina pekugara. MuSoutheast Asia, uko nzira dzekutengeserana dzisina kurongeka dzakajairika, kurambidzwa kwekubhadhara kwakawedzera ne230% gore negore, kazhinji kunokonzerwa nekusaenderana kwemagwaro. Mutengesi wekunze weGuangdong akarasikirwa nekuwana $95,000 muna Chivabvu 2025 mushure mekunge mumwe mubatsiri wekuMalaysia ashandisa account yake pane yebhizinesi kubhadhara, zvichikonzera AML flags.
Zvichida chinonyanya kunetsa inyaya dzakabatana nemakakatanwa epfuma yepfungwa. Muna Kubvumbi 2025, makambani emitero eShanghai akatora matoyi enhema e "POP MART" 1,800 aienda kuBelgium. Kunyange hazvo mutengesi wekutengesa kunze kwenyika akatarisana nematambudziko emutemo, masosi eindasitiri anoti mabhizinesi akati wandei epamutemo anoshandisa mhando dzezvigadzirwa zvakafanana akamira sezvo mapuratifomu akawedzera njodzi dzawo.
Mhinduro Dzakarongwa: Kuvaka Sisitimu Yekudzivirira Yakawanda
Vakatarisana nedambudziko iri riri kuramba richikura, vatengesi vematoyi vari kutungamira vari kutora nzira dzakakwana dzinosanganisa matanho ekudzivirira, nzira dzakasiyana-siyana dzekubhadhara, uye kutevedzera mitemo yepamutemo.
Kupatsanurwa Kwemari: Kuderedza Kuvimba Nepuratifomu
Makambani anofunga nezveramangwana ari kufamba kupfuura kuvimba nepuratifomu imwe chete kuti agadzire mapotifolio ekubhadhara akasiyana-siyana. "Iye zvino tava kupatsanura mari muzvikamu zvitatu: 40% kuburikidza netsamba dzekare dzechikwereti, 35% kuburikidza nevanopa mari veB2B vane hunyanzvi, uye 25% kuburikidza nemapuratifomu makuru," anodaro Zhang Wei, director wekutumira kunze kwenyika kuAlpha Group. "Nzira iyi yakaderedza kuratidzwa kwedu apo PayPal yakamisa imwe yemaakaundi edu muna Kukadzi."
Mhinduro itsva dzakadai se "mari bhiriji" yemari yedhijitari yeChina dziri kuwana mukurumbira. Muna Nyamavhuvhu 2025, bazi reShunde reBhangi reChina rakaita kuti pave nekutengeserana kwakakosha vachishandisa nzira yekubhadhara yakavakirwa pablockchain, iyo inobvumira kutamiswa kwakananga uye kunoteverwa pakati pemabhangi makuru ari kutora chikamu. "Mari bhiriji yakaderedza mari yedu yekutengeserana ne18% uye yakabvisa njodzi dzekuvhara mari yekubhadhara ikoko," anodaro maneja wezvemari wekambani inogadzira matoyi iri kuFoshan.
Kumisika yeEurope, vatengesi vekunze vari kuwedzera kushandisa hunyanzvi hweSEPA hwekubhadhara nekukurumidza hwakaunzwa muna 2024, izvo zvinoita kuti kutamiswa kwemari kwemasekondi gumi kuve pachena, zvichideredza zvakanyanya mikana yekumira kwemari.
Kuvandudza Kutevedzera Mutemo: Kunyora Mapepa uye Kunyatsoongorora
Vatengesi vekunze vari kuisa mari yakawanda mukusimbisa mitemo yekutevedzera mitemo yekudzivirira kurambidzwa kwekutengeserana. Nzira dzakanakisisa dzinosanganisira:
- Maitiro eKYC (Ziva Mutengi Wako) akavandudzwa nekusimbiswa kwemarezinesi ebhizinesi evatengi uye zvinyorwa zvemitero
- Magwaro akadzama ekutengeserana anosanganisira ma invoice epro forma, manifest ekutumira, uye zvitupa zvekubvumidza IP
- Kubatanidzwa kwekutevera panguva chaiyo kuti kupe humbowo hwekutumira husingarambike
- Kudzidziswa kwevashandi nguva dzose pamusoro pemitemo yepuratifomu inoshanduka uye zvinodiwa zveAML zvepasi rose
"We"Izvi zvino chengetedzai gwaro rekutevedzera mitemo yekutengeserana kwega kwega uko kwaizoramba kuchiongororwa nemutemo," anotsanangura kudaro Li Jia weHobbyMax. "Patakabhadhara chimwe chezvibvumirano zvedu muna Chikumi, takapa gwaro remagwaro uye mari yakaburitswa mumaawa makumi mana nemasere panzvimbo pemavhiki."
Kuronga Zvingangoitika uye Maitiro Ekudzoreredza
Pasinei nematanho ekudzivirira, kumira kwechirwere kuchiri kuitika, zvichiita kuti nzira dzinoshanda dzekupora dzive dzakakosha. Nzira dzinobudirira dzinosanganisira:
- Kugadzira hukama hwakananga nemapoka ekutarisira njodzi pachinzvimbo chekuvimba chete nemasisitimu anoshanda ega
- Kutenga inishuwarenzi yechikwereti chekutengeserana inovhara mari dzakamiswa (ikozvino iri kupihwa neSinosure ne20% yekutora pakati pevatengesi vekunze vematoyi muna 2025)
- Kushanda nemakambani emutemo ane hunyanzvi anoziva nezvemaitiro ekugadzirisa gakava papuratifomu yekubhadhara
- Kuchengetedza mari inochengeterwa zvinhu yakaenzana ne15-20% yehuwandu hwezvinhu zvinotengeswa kunze kwenyika pamwedzi kuti zvivhare mipata yekupinda kwemari
CTJPA yakatangawo "Mutsetse weKubhadhara Dambudziko reKubhadhara" muna 2025, ichibatsira makambani ane nhengo zana nemakumi maviri nenomwe kuwana mari yakavharwa inosvika mamiriyoni makumi mana nematatu emadhora kuburikidza nekutaurirana kwepuratifomu uye kutsigira mitemo.
Maonero Eramangwana: Kujairana Nemamiriro Enjodzi Anogara Aripo
Nyanzvi dzemaindasitiri dzinofanotaura kuti kuongororwa kwemari yekubhadhara kuchawedzera, nekuwirirana kwemitemo yepasi rose uye kutarisa kunotungamirirwa neAI kuchiva zvinhu zvechigarire zvekutengeserana kwepasi rose. "Nguva yekubhadhara pasina kupokana kwemakambani echitatu ekutengeswa kwematoyi kunze kwenyika yapera," anodaro Sarah Lee weEuromonitor. "Kupona kunoda kuti kutarisira njodzi yekubhadhara kuve chinhu chakakosha pane kufunga nezveramangwana."
Tichitarisa mberi, vanotengesera kunze kwenyika vakashinga zvikuru ndeavo vanodyara mari mu:
- Kubatanidzwa kweAPI pakati pemasisitimu avo eERP nemapuratifomu ekubhadhara ekutarisa njodzi panguva chaiyo
- Mhinduro dzekutengesa dzakavakirwa paBlockchain dzinopa zvinyorwa zvekutengeserana zvisingachinjiki
- Kudyidzana kwakarongeka nevatengesi vemuno mumisika mikuru kuti zviite kuti kugadziriswa kwekubhadhara kwemuno kuve nyore
- Kutora chikamu muzvirongwa zvekubhadhara zvakasiyana-siyana zvakaita sezambuko remarikuderedza kuvimba nemapuratifomu akavanzika
Sezvakataurwa nemumwe mutengesi: "Tachinja maitiro edu kubva pakutarisira kuti hapana chando chichaitika" kuenda pakuva 'nekuronga kuti zvichaitika riini.' Dambudziko ra2025 rave richirwadza, asi riri kumanikidza indasitiri yedu kuvaka zvivakwa zvekubhadhara zvakasimba kwenguva refu."
Nekuda kwekunge maodha emwaka wezororo atowanda, vatengesi vekuChina vanotumira zvinhu kunze kwenyika vari kushandisa zvidzidzo izvi zvakawanikwa zvakaoma kuchengetedza mari yavo. Kune indasitiri yakavakirwa pakuunza mufaro kuvana pasi rose, kuziva kuoma kwekubhadhara kwepasi rose kwave chinhu chisingatarisirwi asi chakakosha mukuita bhizinesi muna 2025.
Nguva yekutumira: Gunyana-22-2025
