Making Use of a Bank

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H. Holt, 1923 - 371 páginas

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Definitions of promissory note and bill of ex change 18 Varieties of notes and bills 19 How a bill becomes an acceptance certified checks
12
What each party to a note bill or check agrees to
13
The sale of notes and bills
21
Indorsements
22
Secondary liability
23
What the indorser agrees to
24
Presentment
25
Notice of dishonor
26
Protest
27
Holder in due course
28
Rights of holder in due course
29
SAFE AND SAVINGS DEPOSITS 32 Kinds of deposits
32
Safe deposit boxes 34 Renting a
33
Access by partner or deputy
35
Storage 37 Custodian of securities
37
Certificates of deposit
39
Savings deposits
40
Making the first deposit 41 The pass book 42 Computation of interest
42
Withdrawals
43
Kinds of accounts
44
Banking by mail
45
Assignment of accounts
46
Effect of death
51
Banks that take savings
52
CHECKING ACCOUNTS DEPOSITS 49 The basis of checking accounts
53
Form and nature of a check
54
Advantages of checks
55
The risk in taking a check
56
Collection of checks and drafts
57
Necessity of a proper introduction
59
Opening a checking account
61
Varieties of check signatures
65
Deposits for credit
66
Local transfers
71
Payment of exchange and collection fees 59 Deposits for collection
72
Old method of collecting outoftown checks
73
The charge for exchange
74
CHECKING ACCOUNTS WITHDRAWALS AND BALANCES 60 Making payments
75
The Federal reserve system of check clearing and collection
76
The gold settlement fund
77
Exchange between cities of the United States
78
Check writing
79
Varieties of check forms
80
Check register and check stubs 64 Stale checks
82
Stopping payment on a check
83
Duplicate checks
84
Overdrafts 68 Checking of pass book and statement
85
Should checking deposits receive interest
86
Compensating balances
87
PAGE
94
through the Federal reserve bank
98
USE OF LOANS KINDS OF NOTES 80 Nature and importance of credit
106
Sound borrowing is not the asking of a favor
107
Character of loan desired 83 Real cost of a loan 84 Profits from borrowing
108
Failures 86 Loans for permanent investment
110
Loans for buying producing and selling
112
Loans may be large or small 89 Distinction between loans and discounts 90 Descriptions of notes
114
THE CREATION OF CREDIT BY BANKS 91 Banks must have deposits 92 Banks lend their own funds 93 A banks credit attracts the funds of others...
118
Banks lend their own credit
121
Banks guarantee individual credit
124
A bank cannot lend several times its deposits 98 Adjustment between loans and deposits
125
SECURITY FOR LOANS 99 Kinds of security
127
Judging security 101 Elements of collateral security
128
Stocks and bonds as collateral
132
Notes receivable as collateral 104 Warehouse receipts and bills of lading
134
The assignment of accounts 106 Real estate as security
136
Elements of personal security
138
Property and income 109 Chances of success
139
The integrity of the borrower
140
THE BORROWERS STATEMENT OF CONDITION 111 An analysis of debtpaying power
142
The ratio of quick assets to quick liabilities
143
PAGE
144
293
148
The cash balance 114 Receivables
149
Investments 116 Inventories
151
Current liabilities
152
118
153
Fixed liabilities
154
Paying loans or maturing instruments
177
Borrowing from land banks 156
178
The directors
185
Chairman of the board of directors
186
THE LOANS OF OTHER LENDING INSTITUTIONS 131 Note and bill brokers
187
Stock brokers
188
Building and loan associations
189
Insurance companies
190
Mortgage companies
191
Cattle loan companies
197
DRAFTS AND THE ACCOMPANYING DOCUMENTS 137 The paradoxical bill of exchange
199
Descriptions of bills of exchange
200
The quality of an acceptance 140 Kinds of acceptances
201
The documentary bill of exchange 142 The shippers invoice
202
The order bill of lading 144 The insurance certificate
203
The hypothecation certificate
204
THE USES OF DRAFTS AND ACCEPTANCES
209
SAFEGUARDING THE BUSINESS OF BANKING 227 Regulation promotes confidence
227
How and by whom national banks may be or ganized
228
Maintenance of capital and surplus
229
Duties and responsibilities of stockholders directors and officers
230
Maintenance of reserves
231
THE Cost OF FINANCING FOREIGN SALES BY BILLS
232
Liquidation and receivership
233
Reports and examinations
234
Guaranty funds
235
Issue of national bank notes
236
TRUST AND AGENCY SERVICES
246
THE ADMINISTRATION OF A BANK
258
The loan and discount committee 189 The president
262
The vicepresidents 191 The cashier
263
The assistant cashiers
266
The receiving tellers
267
The savings teller 195 The paying tellers
268
The transit manager
269
The exchange and collection teller 198 The bond clerk 199 The custodian of the safedeposit vault 200 The auditor
271
The bookkeepers
272
The statement clerk 203 Other employees
273
KINDS OF BANKS IN THE UNITED STATES 204 The interest of the business man in kinds of banks 205 A system of local independent banks
274
Private banks 207 State commercial banks
276
Mutual savings banks 209 Stock savings banks
277
Safe deposit companies 211 Trust companies 212 Banking and trust companies 213 Investment and loan companies 214 Building and loan and farm ...
278
Morris plan banks
279
Discount and acceptance banks 217 National banks 218 Federal reserve banks
280
Federal land banks
281
Farm loan associations 221 Joint stock land banks
282
Federal intermediate credit banks
285
National agricultural credit corporations
287
The War Finance Corporation
289
International or foreign banking corporations
290
Regulation of banks
292
THE BULWARK OF AMERICAN BANKING THE FEDERAL RESERVE BANKS 237 The organization of the Federal reserve banks
309
Membership of state banks
313
Powers of the Federal Reserve Board
315
Fiscal agent of the United States 241 Establishment of rediscount facilities
316
Open market operations 243 Issue of Federal reserve notes
318
Issue of Federal reserve bank notes
323
Contraction of Federal reserve notes
324
Criticisms of the system
326
Results of the system
328
THE WORK OF THE INVESTMENT BANKER 248 Need of more permanent capital
331
Kinds of securities 250 Ownership securities
332
Credit securities
334
Other characteristics of bonds
336
Methods of selling securities 254 Inside distribution 255 Direct sale to the public
338
Sale through a middleman
340
The operation of a syndicate
342
Appealing to speculators
344
The dilemma of the investor
345
The way
346
THE MEANING OF A BANK STATEMENT THE CHOICE OF A BANK 261 A bank statement
348
Loans and investments
349
Real estate banking house etc 264 Miscellaneous assets 265 Cash on hand and in bank
351
Capital surplus and undivided profits 267 Miscellaneous liabilities
354
Due to depositors 269 Trust funds
355
The choice of a bank
356
Direitos autorais

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Página 12 - A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person, or to bearer.
Página 20 - ... 3. Where no place of payment is specified and no address is given and the instrument is presented at the usual place of business or residence of the person to make payment; 4.
Página 30 - A person to whom a negotiable receipt has been ' duly negotiated acquires thereby (a) such title to the goods as the person negotiating the receipt to him had or had ability to convey to a purchaser in good faith for value, and also such title to the goods as the depositor or person to whose order the goods were to be delivered by the terms of the receipt had or had ability to convey to a purchaser in good faith for value...
Página 306 - And the same shall be received at par in all parts of the United States in payment of taxes, excises, public lands and all other dues to the United States, except duties on imports ; and also for all salaries and other debts and demands owing by the United States to individuals, corporations, and associations within the United States, except interest on the public debt, and in redemption of the national currency.
Página 318 - To buy and sell, at home or abroad, bonds and notes of the United States, and bills, notes, revenue bonds, and warrants with a maturity from date of purchase of not exceeding six months, issued in anticipation of the collection of taxes or in...
Página 25 - A holder in due course is a holder who has taken the instrument under the following conditions: (1) That it is complete and regular upon its face. (2) That he became the holder of it before it was overdue, and without notice that it had been previously dishonored, if such was the fact. (3) That he took it in good faith and for value. (4) That at the time it was negotiated to him he had no notice of any infirmity in the instrument or defect in the title of the person negotiating it.
Página 305 - Every person, firm, association other than national bank associations, and every corporation, State bank, or State banking association, shall pay a tax of 10 per centum on the amount of their own notes used for circulation and paid out by them.
Página 168 - But the discount of bills of exchange drawn in good faith against actually existing values, and the discount of commercial or business paper actually owned by the person negotiating the same, shall not be considered as money borrowed.
Página 309 - Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta. Chicago, St. Louis, Minneapolis, Kansas City, Dallas and San Francisco.
Página 318 - ... bills, notes, revenue bonds, and warrants with a maturity from date of purchase of not exceeding six months, issued in anticipation of the collection of taxes or in anticipation of the receipt of assured revenues by any State, county, district, political subdivision, or municipality in the continental United States, including irrigation, drainage and reclamation districts...

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