Sobre este livro
Minha biblioteca
Livros no Google Play
CHAPTER
CONTENTS
I. THE SERVICES OF BANKING INSTITUTIONS
1. Allies of business
2. Safe deposits
3. Income from deposits
4. Loans of money and credit
5. Payments by check
6. Issue of own credit instruments
7. Adjustment of money in circulation
8. Collectional services
9. Information and financial advice
10. Trust and agency powers
11. Dealing in investments
12. Kinds of banks
13. Social services
II. OBLIGATIONS AND RIGHTS OF EACH PARTY TO A NOTE,
CHECK, OR DRAFT
14. Promises to pay and orders to pay
15. Attributes of negotiable instruments
16. What constitutes a promissory note or a bill of
20. What each party to a note, bill, or check agrees
to do
21. The sale of notes and bills
22. Indorsements
23. Secondary liability
24. What the indorser agrees to do
25. Presentment
26. Notice of dishonor
27. Protest
28. Holder in due course
29. Rights of holder in due course
PAGE
1
8
30. Other negotiable instruments
31. Extent of their negotiability
III. SAFE AND SAVINGS DEPOSITS
32. Kinds of deposits
33. Safe deposit boxes
34. Renting a box
35. Access by partner or deputy
36. Storage
37. Custodian of securities
38. Certificates of deposit
39. Savings deposits
40. Making the first deposit
41. The pass book
42. Computation of interest
43. Withdrawals
44. Kinds of accounts
45. Banking by mail
46. Assignment of accounts
47. Effect of death
48. Banks that take savings
32
53
53. Collection of checks and drafts
54. Necessity of a proper introduction
55. Opening a checking account
56. Varieties of check signatures
57. Deposits for credit
58. Payment of exchange and collection fees
59. Deposits for collection
V. CHECKING ACCOUNTS
61. Check writing
WITHDRAWALS AND BALANCES.
75
60. Making payments
62. Varieties of check forms
63. Check register and check stubs
64. Stale checks
65. Stopping payment on a check
66. Duplicate checks
67. Overdrafts
68. Checking of pass book and statement
69. Should checking deposits receive interest
70. Compensating balances
VI. THE TRANSFER OF FUNDS BY BANKS
71. Local transfers
72. Clearing houses
73. Old method of collecting out-of-town checks
74. The charge for exchange
75. The exchange controversy
76. The Federal reserve system of check clearing
and collection
77. The gold settlement fund
78. Exchange between cities of the United States
79. Why member banks do not collect all checks
through the Federal reserve bank
VII. USE OF LOANS KINDS OF NOTES.
80. Nature and importance of credit
81. Sound borrowing is not the asking of a favor
82. Character of loan desired
83. Real cost of a loan
84. Profits from borrowing
85. Failures
86. Loans for permanent investment
87. Loans for buying, producing, and selling
88. Loans may be large or small
89. Distinction between loans and discounts
90. Descriptions of notes
VIII. THE CREATION OF CREDIT BY BANKS.
91. Banks must have deposits
92. Banks lend their own funds
93. A bank's credit attracts the funds of others
which can be loaned
94. Banks create a preference for credit at bank rather than money in hand
95. Banks lend their own credit
96. Banks guarantee individual credit
97. A bank cannot lend several times its deposits
98. Adjustment between loans and deposits
IX. SECURITY FOR LOANS
99. Kinds of security
100. Judging security
101. Elements of collateral security
102. Stocks and bonds as collateral
103. Notes receivable as collateral
104. Warehouse receipts and bills of lading
105. The assignment of accounts
106. Real estate as security
xi
91
106
118
127
107. Elements of personal security
108. Property and income
109. Chances of success
110. The integrity of the borrower
X. THE BORROWER'S STATEMENT OF CONDITION
111. An analysis of debt-paying power
112. The ratio of quick assets to quick liabilities
113. The cash balance
114. Receivables
115. Investments
116. Inventories
117. Current liabilities
118. Fixed and miscellaneous assets
119. Fixed liabilities
120. Contingent liabilities
121. Necessity for intimate knowledge
XI. MAKING AND PAYING LOANS
122. Applying for loans
123. A borrowing account
124. The bank's knowledge of the borrower
125. Making paper eligible for rediscount
126. Distribution of the loans of a bank
127. The limit of a bank's lending power
128. Rates of interest
129. Paying loans or maturing instruments
130. Borrowing from land banks
XII. THE LOANS OF OTHER LENDING INSTITUTIONS
131. Note and bill brokers
132. Stock brokers
133. Building and loan associations
134. Insurance companies
135. Mortgage companies
136. Cattle loan companies
X.III DRAFTS AND THE ACCOMPANYING DOCUMENTS
137. The paradoxical bill of exchange
138. Descriptions of bills of exchange
139. The quality of an acceptance
140. Kinds of acceptances
141. The documentary bill of exchange
142. The shipper's invoice
143. The order bill of lading
144. The insurance certificate
145. The hypothecation certificate
142
156
187
199
xiii
146. The consular invoice and other certificates
147. The drawing of a bill
148. Instructions as to bills
149. Reference in case of need
XIV. THE USES OF DRAFTS AND ACCEPTANCES
150. The services of banks
151. C.O.D. by freight
152. Sight draft for collection
153. Authority to draw
154. Drafts against stored goods and securities
155. Cash against documents
156. Trade acceptances in domestic trade
157. Trade bills in foreign commerce
158. Bank acceptances and their advantages
159. American market for acceptances
160. The growth of dollar exchange
161. Commercial credits
162. A sterling credit
163. A dollar credit
164. Drafts for traveling
165. Travelers' letters of credit
XV. THE COST OF FINANCING FOREIGN SALES BY BILLS OF
173. Methods and costs of financing a sale by a bill
XVI. TRUST AND AGENCY SERVICES
174. Banks that do agency and fiduciary work
175. Registration of stock and bond issues
176. Safeguarding the transfer of securities
177. Trustee under mortgage
178. Depository of property to be delivered upon
condition
179. Probate and insolvency business
180. Care of trust funds
181. The growth of trust banks
XVII. THE ADMINISTRATION OF A BANK
182. Variations in organization
183. Character of the bank
246
258