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课程名称：银行与金融基础（考试准备） 课程概述： 本课程旨在帮助学员全面了解银行与金融的基础知识，并为相关考试做准备。课程内容分为多个模块，涵盖了银行的演变、主要功能、存款账户的开立与操作程序、汇款方式、贷款原则、信贷创造以及可转让票据等主题。 课程内容： 模块一：银行的演变 - 银行的起源、含义和定义 - 银行在欧洲、美国和亚洲的演变历程 模块二：银行的功能 1. 主要功能： - 接收存款：活期存款、定期存款、零存整取等 - 发放贷款与预付款 - 票据的收购与贴现 2. 次要功能： - 代理功能：支票、票据和承诺书的支付与收取 - 一般公用功能：资金的安全保管、汇款、养老金支付等 模块三：开立和操作存款账户的程序 1. 开立存款账户程序： - 客户身份识别（KYC）规范 - 申请表、身份证明、签名样本等 2. 操作存款账户程序： - 存款单、取款单、存折及支票的发行 - 定期存款的提前支取及贷款 3. 账户的关闭与转移 4. 账户持有者的类型：个人与机构账户持有者 模块四：汇款的方法 - 汇票、银行本票及截票 - 邮寄转账和电报转账 - 电子资金转账（EFT） 模块五：贷款原则、信贷创造及银行的资产负债表 1. 贷款原则：安全性、流动性、盈利性等 2. 多重信贷创造过程 3. 商业银行的资产负债表 模块六：可转让票据 1. 定义、含义及特点 2. 支票的类型：持票人支票、规定支票、划线支票 3. 划线的种类：一般划线和特殊划线 本课程通过重要问题与答案的总结，帮助学员深入理解银行与金融领域的基础概念与实践。
Course Contents: Important Questions & AnswersMODULE 1: Evolution of Banking1.1 Origin, Meaning and Definition of 'Bank'1.2 Evolution of BankingEuropeUSAAsiaMODULE 2: Functions of Bank2.1 Primary Functions:Accepting Deposits:Demand deposits: Current and SavingsNo Frills AccountTime deposits: Recurring and Fixed depositsFlexi Deposits (Auto Sweep)Granting Loans and Advances:Term LoanShort term creditOverdraftCash CreditPurchasing and Discounting of bills2.2 Secondary Functions:Agency Functions:Payment and Collection of Cheques, Bills, and Promissory notesExecution of standing instructionsActing as Trustee, ExecutorGeneral Utility Functions:Safe CustodySafe deposit vaultsRemittances of fundsPension PaymentsMODULE 3: Procedure for Opening and Operating Deposit Account3.1 Procedure for Opening Deposit Account:Know Your Customer (KYC) NormsApplication formIntroductionProof of residenceSpecimen signatureNomination and their importance3.2 Procedure for Operating Deposit Account:Pay-in slipsWithdrawal slipsIssue of passbook (Current, Savings, Recurring deposits)Issue of cheque bookIssue of fixed deposit receiptPremature encashment of fixed deposits and loan against fixed depositRecurring deposits: Premature encashment and loan against recurring deposit3.3 Closure of Accounts and TransferClosure of accountsTransfer of accounts to other branches/banks3.4 Types of Account Holders:Individual Account Holders: Single, Joint, Illiterate, Minor, Married Woman, Non-Resident AccountsInstitutional Account Holders: Sole Proprietorship, Partnership Firm, Joint Stock Company, Hindu Undivided Family, Clubs, Associations, Societies, TrustsMODULE 4: Methods of Remittances4.1 Demand Drafts, Bankers' Cheques, and Truncated Cheques4.2 Mail Transfer and Telegraphic Transfer4.3 Electronic Funds Transfer (EFT):RTGSNEFTSWIFTMODULE 5: Lending Principles, Credit Creation, and Balance Sheet of a Bank5.1 Lending Principles:SafetyLiquidityProfitabilityDiversification of risksConflict between liquidity and profitability5.2 Multiple Credit Creation:ProcessLimitations5.3 Balance Sheet of a Commercial BankMODULE 6: Negotiable Instruments6.1 Definition, Meaning, and Characteristics:Promissory NoteBill of ExchangeCheques6.2 Types of Cheques:BearerOrderCrossed6.3 Types of Crossing:GeneralSpecial
