摘要:本文分析的是巴基斯坦的MCB银行,这是一个十分庞大的体系性的银行,MCB银行是一个以12.5%的市场份额占据巴基斯坦第一位的银行。它也正是在巴基斯坦创新型的消费银行业务的先驱。
ee main departments in SFC branch of MCB
General banking
Foreign exchange
Advances/credit
GENERAL BANKING:
General banking deals with following services:
REMITTANCE:
It is transfer of funds. Funds can be transferred in shape of pay orders, demand draft, mail telegram and telegraph his transfer. Payments of fees of different organizations, fulfillment of tenders, collection of funds are the main functions of remittance. Maximum part of general banking depends on this department.
Issuance of different kinds of remittance:
1. PAYORDER:
Pay-order is the property of person/company (beneficiary) that has to take the benefit of the amount being pay-ordered by the concerned person. Pay-orders are made for the payment of fees, tender or issued for the payments of dealings. These are required for the proof of payments made between the bank and the customer in the favor of beneficiary. These are noted in printed block letters and yearly serial numbers are issued from computerized system.
2. DEMAND DRAFT:
Demand drafts are draft made for the beneficiary for payments, funds etc. these are made for outstation branches of the concerned banks. An advice is also made for the confirmation of the draft send. These are also approved and safe way of sending amount to the beneficiary. These are also noted by computerized system and a serial number is issued from the computer system.
3. MAIL TRANSFER:
Mail transfer is made with in the city for transfer of amount. An advice is also made for the confirmation of the draft send. These are also approved and safe way of sending amount to the beneficiary. These are also noted by computerized system and a serial number is issued from the computer system.
4.TELE GRAPHIC TRANSFER:
Telegraph is transfer is telegram message for transferring the amount from one branch to other branch. A message advice and a confirmation advice both are made with TT numbers that are issued for TEST. TEST depends on two steps:
First TEST is on DAY, DATE and FIX CODE NUMBER of branch.
Second TEST is on Currency: whether Pak rupees or Foreign currency; amount and TT number issued from manual registers and confirmed from computerized system.
These messages could be faxed and telegraphed.
PAYMENT OF PAY-ORDER AND DEMAND DRAFT:
Pay-order and demand draft both could be paid in shape of physical payment of cash and in case of transfer of amounts, the amount could be transferred in the beneficiary account. In case of physical payment authorized signature of beneficiary are taken for the proof of amount being paid to him and in case of transferring of amount authorized signature of the beneficiary are checked and verified for reducing risks.
CANCELLATION OF PAY-ORDER AND DEMAND DRAFT:
Any type of pay-order/demand draft is cancelled by the permission and instructions made by the beneficiary. The customer could only cancel the pay-order/Demand draft as the verified signature of beneficiary are present on the advice.
VOUCHERS AND ACCOUNTS:
Vouchers are made for records and they should be completed in all respects: the amount, Date, its Head, Particulars, Amount in words, authorized si
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