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.By their very nature financial institution attract criticism:banks would not be doing their jobs if their did not turn down some requests for loans, and those who are denied funds sometimes feel hard done by and are vociferous in their complains.
If you have a checking account, the bank sends you your canceled checks along with your monthly statement. These checks can be used instead of receipts. They can be used as proof that payment has been made.
How do the clearing banks meet these requirements? Their first concern is to see that they always have sufficient notes and coin in their tills, or in reserve, to meet instantly all the demands for cash that may be made upon them.
It's hard to imagine that people could do business without the services of a bank.
As the business matures, an initial public offering(IPO) may take place, or the business merged or sold, or other sources of capital found.
The most widely held liquid security is the Treasury bill, which is commonly issued by the ministry of finance.
.The majority of shares on the listed exchange, not just those included in narrow stock indexes.
In analyzing a business, the users of financial statements should consider its liquidity, solvency, and profitability.
China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOF is in charge of financial accounting and taxation part of banking regulation and management.
The person who makes a guarantee is secondarily liable if the person who is primarily liable defaults.
Bills of exchange, also referred to as bills, are essentially a short term credit instrument that can be used by a company either for financing or investment. Bills can be issued for any term up to a year and are generally issued for periods of less than 6 months.
What is money? Anything which performs the functions of money is money. Money's essential characteristic is that it is generally acceptable. When people generally refuse to accept something as money, it is not money.
.Satisfactory payment facilities are something which we are inclined nowadays to take for granted, but productive economic activity is dependent on their existence,and indeed on traders having reasonable access to short term credit facilities.
The higher the debt ratio is, the higher the strain of paying principal and interest is, and the higher the risk of solvency is.
The turnover ratios can reflect the firms' speed of fund turnover and time of operating cycle, hence indicate the liquidity.
A public offer of new shares shall be underwritten by a legally established securities institution and an underwriting agreement shall be executed.
Currently Chinese fund management companies are engaged in the following business: securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses.
a bank deposit is safer and less troublesome than keeping a stock of cash. A commercial bank undertakes to provide cash on demand to a customer who keeps money on current account, and after a few day’s notice to deposit account customers.