Lambar Swift

**ISO 9362 yana** bayyana ingantaccen tsari na **Lambobin Gano Kasuwanci** (wanda kuma aka sani da **SWIFT-BIC**, **BIC**, **SWIFT ID** ko **lambar SWIFT** ) wanda k**ungiya** ta Duniya ta Inganta (ISO) ta kuma amince da shi. Lambar tantancewa ce ta musamman don cibiyoyin kuɗi da waɗanda ba na kuɗi ba. A takaice **SWIFT** yana wakiltar Society don Sadarwar Kasuwanci ta Duniya a Duniya . ISO ya sanya SWIFT a matsayin hukumar rajistar BIC.  Lokacin da aka ba da shi ga ma'aikatar da ba ta kudi ba, ana iya sanin lambar kamar mai **gano** k**ungiyar** **Kasuwanci** ko **BEI** . Ana kuma amfani da wadannan lambobin yayin aika kudi tsakanin bankuna, musamman don canja wurin wayoyin duniya, da ma don musayar wasu saƙonni tsakanin bankuna. Lambobin wani lokaci ana samun su akan bayanan asusu.

An kuma tattauna batun juzu'i tsakanin ISO 9362 da ISO 13616 a cikin labarin Lambar Asusun Bankin Duniya (wanda ake kira IBAN). Cibiyar sadarwar SWIFT ba ta bukatar takamaiman tsari don ma'amala don haka gano asusun da nau'ikan ma'amala an bar shi zuwa yarjejeniyar abokan ma'amala. A yayin aiwatar da Yankin biyan Kudaden, manyan bankunan Turai sun amince da tsari iri ɗaya wanda ya danganci IBAN da BIC gami da tsarin watsawa na tushen XML don daidaitattun ma'amaloli. TARGET2 tsarin hada-hade ne mai girma a Tarayyar Turai wanda baya buƙatar cibiyar sadarwar SWIFT don watsawa (duba EBICS ). Takaddun TARGET ya lissafa duk BICs na bankunan da aka makala wa TARGET2-network kasancewar sufannin SWIFT-directory na BICs .

## Tsarin
Bugun da ya gaba ta shi ne ISO 9362: 2009 (mai kwanan wata 2009-10-01). Lambar SWIFT haruffa 8 ko 11 ne, an yi su da:

* Haruffa 4: lambar ma'aikata ko lambar banki.
* Haruffa 2: ISO 3166-1 alpha-2 lambar ƙasa (banda, SWIFT ta sanya lambar XK zuwa Jamhuriyar Kosovo, wanda ba shi da lambar ƙasa ta 31301)
* Haruffa 2 ko lambobi: lambar wuri
** idan hali na biyu shine "0", to yawanci shine gwajin BIC sabanin BIC da ake amfani dashi akan hanyar sadarwa kai tsaye.
** idan haruffa na biyu sune "1", to yana nuna mai shiga tsakani a cikin hanyar sadarwar SWIFT
** idan haruffa na biyu shine "2", to yawanci yana nuna BIC biyan kudi, inda mai karba ya kuma biya sakon sabanin yanayin da aka saba dashi wanda mai aikawa yake biya sakon.
* Haruffa 3 ko lambobi: lambar reshe, zabi {'XXX' don ofishin firamare}

Inda aka bayar da lambar lambobi takwas, ana iya dauka cewa yana nufin ofishin firamare.

Ka'idodin SWIFT, kungiya ce ta kungiyar Sadarwar Kasuwanci ta Banki ta Duniya (SWIFT), ta kula da rajistar waɗannan lambobin. Saboda asali SWIFT ya gabatar da abin da daga baya aka daidaita shi azaman Lambobin Gano Kasuwanci (BICs), har yanzu ana kiransu adiresoshin SWIFT ko lambobi.

Sabuntawar shekarar 2009 na ISO 9362 ya kuma fadada girman don hada da cibiyoyin da ba na kudi ba; kafin lokacin BIC galibi an fahimci cewa asalinta ne na *Lambar Bankin Banki* .

Akwai lambobin "rayuwa" sama da 7,500 (don abokan hadin gwiwa wadanda ke hadi da cibiyar sadarwar BIC) da kuma ƙididdigar darin lambobin BIC 10,000 waɗanda za a iya amfani dasu don ma'amalar hannu .

2009 version yanzu an maye gurbinsa da sabuwar fitowar (ISO 9362: 2014 mai dauke da 2014-12-01). 

## Misalai
Deutsche Bank banki ne na duniya, tare da babban ofishinsa a Frankfurt, Jamus . Lambar SWIFT na ofishinta na farko shine DEUTDEFF:

* DEUT yana gano bankin Deutsche
* DE lambar ƙasa ce ga Jamus
* FF shine lambar Frankfurt

Deutsche Bank yana amfani da lambar da aka haɓaka na haruffa 11 kuma ya ba da rassa ko yankunan sarrafa daidaitattun lambobin mutum. Wannan yana ba da izinin biyan kudin zuwa takamaiman ofishi. Misali, DEUTDEFF500 zai gabatar da biyan zuwa wani ofishi na Deutsche Bank a Bad Homburg.

Nedbank babban banki ne na Afirka ta Kudu, tare da babban ofishinsa a Johannesburg . Lambar SWIFT na ofishinta na farko ita ce NEDSZAJJ:

* NEDS yana gano Nedbank
* ZA lambar kasar ce ga Afirka ta Kudu
* JJ shine lambar Johannesburg

Nedbank bai aiwatar da karin lambar haruffa 11 ba kuma duk canja wurin SWIFT zuwa asusunsa ana tura su zuwa ofishin firamare don aiki. Wadannan musayar musanya wadanda ke buƙatar lambar lambobi 11 zasu shigar da NEDSZAJJXXX.

Bankin Danske babban banki ne na Danish, tare da ybabban ofishinsa a Copenhagen . Lambar SWIFT don ofishinta na farko shine DABADKKK:

* DABA ta gano bankin Danske
* DK shine lambar ƙasar don Denmark
* KK shine lambar don Copenhagen.

UniCredit Banca babban banki ne na Italiya tare da babban ofishinsa a Milan . Lambar SWIFT na ofishinta na farko shine UNCRITMM:

* UNCR tana gano Unicredit Banca
* IT lambar ƙasa ce don Italiya
* MM shine lambar don Milan.

Bankin Dah Sing babban banki ne da ke Hong Kong wanda ke da rassa guda biyar a cikin kasar Sin (reshen babban yankin China a Shenzhen). Lambar SWIFT don reshe a Shanghai ita ce DSBACNBXSHA.

* DSBA tana gano bankin Dah Sing
* CN lambar ƙasa ce ta ƙasar Sin
* BXSHA shine lambar Shanghai.

Yana amfani da lambar adadi mai lamba 11, kuma SHA yana gano reshen Shanghai.

BDO Unibank shine babban banki a Philippines, tare da babban ofishin sa a Makati. Lambar SWIFT don BDO ita ce BNORPHMM. Duk rassan BDO suna da SWIFT Code ɗaya.

* BNOR yana gano BDO Unibank
* PH shine lambar ƙasa don Philippines
* MM shine lambar Metro Manila wanda Makati keɓaɓɓe.

Lura cewa banki ɗaya na iya zama kamar yana da mai gano banki fiye da ɗaya a cikin wata ƙasa don dalilai na rabuwa. Bankin Gabashin Asiya ya raba reshen wakilinta a cikin Amurka da ayyukanta na Amurka don abokan cinikin gida zuwa cikin BEASUS33xxx (bin lambar da aka yi amfani da ita a ƙasarta) da kuma BEAKUS33xxx bi da bi. Wannan kuma ya banbanta da ayyukanta na babban yankin China wanda suma BEASCNxxxxx suna bin Hong Kong maimakon suna da lambar ganowa ta daban.

* Misali na wannan shine Bankin Amurka a Amurka. Don wayoyin da aka ambata na Dalar Amurka, lambar SWIFT ita ce BOFAUS3N. Lambar SWIFT na wayoyi da aka aika cikin kuɗin waje (ba dalar Amurka ba) zuwa Bankin Amurka a Amurka ita ce BOFAUS6S.

A baya, biyan SEPA ya buƙaci BIC da IBAN. Tun daga 2016-02-01 IBAN kawai ake buƙata a cikin SEPA (Tarayyar Turai da wasu ƙarin ƙasashe).

## Adireshin SWIFTNet FIN mai hali goma sha biyu bisa BIC
Don gano ƙarshen ƙarshe a kan hanyar sadarwar ta, SWIFT kuma yana amfani da lambobin haruffa goma sha biyu waɗanda aka samo asali daga BIC na cibiyar. Irin wannan lambar ta ƙunshi 'BIC8', sannan lambar harafi ɗaya tak da take gano Loofar gicari ta Lantarki (LT), (wanda ake kira "makamar gari" ko "Adireshin gicarshen gicari"), da lambar reshe mai haruffa uku . Duk da cewa 'BIC12's ba sa cikin ƙa'idodin ISO, kuma suna dacewa ne kawai a cikin yanayin dandalin aika saƙon, suna taka rawa a saƙon FIN na tsarin. Dangane da SWIFT, Login Terminals su ne "mahaɗan da masu amfani da su ke aikawa da karɓar saƙonnin FIN.", Don haka, na iya taka rawa a cikin hanyar aika saƙon.

- Don ganin rashin ƙarfi tsakanin taken SWIFT ta amfani da Terminal mai ma'ana:

- Don ƙarin bayani game da amfani da LT, duba mai zuwa:

FIN Terminals Masu ma'ana 

## Amfani
**Lambobin Gano Lambobin Kasuwanci** ana amfani dasu da farko don gano cibiyoyin kuɗi da na ba na kuɗi waɗanda ke haɗuwa da kuma ma'amalar kasuwanci ta yau da kullun tsakanin ɗayan ko fiye da cibiyoyi a cikin rayuwar ma'amala.

Misali: A cikin sakonnin SWIFT waɗannan BIC ɗin suna cikin saƙonni. Yi la'akari da nau'in saƙo don canja wurin kuɗi MT103, a nan za mu iya samun BIC a ƙarƙashin alamomi daban-daban kamar 50a (odar abokin ciniki), 56a (matsakaici), 57a (asusu tare da ma'aikata), da sauransu.

## Duba kuma

* Asusun banki
* Lambar Asusun Banki (BIN)
* Lambar Asusun Bankin Duniya (IBAN)
* Kngiyar Sadarwar Kuɗi ta Bankin Bankin Duniya (SWIFT)
* Tsarin Biyan Kuɗaɗen Tsarin Bankin-Banki ( Tsarin Biyan Kasa na China ) (CIPS)
* Tsarin canja wurin Daraja
* Kwamitin Tsaron Kudi
* Mai Gano ityungiyar Shari'a
* Data Universal Numbering System

## Manazarta

## Hanyoyin haɗin waje

* ISO 9362: 2014 Banki - Saƙonnin banki na sadarwa - Lambar gano kasuwanci (BIC)
* Kayan aikin bincike na SWIFT na hukuma don sunayen banki da Lambobin Gano Banki