Concetti Chiave
- Private Banks have unlimited liability with capital provided by partners, while Joint Stock Banks may have limited or unlimited liability, with capital from numerous shareholders.
- Different types of banks include Bank of Issue, Commercial Bank, Merchant Bank, and Saving Bank, each serving unique functions in managing finances.
- Founded in 1694, the Bank of England serves as the government's banker and debt manager, evolving significantly since its inception.
- Banks offer various transactions such as borrowing, lending, and third-party transactions, including loans, overdrafts, and mortgages.
- Banking services for businesses include foreign trade support, factoring for credit collection, and leasing arrangements for equipment and machinery.
Banks are foundamental in modern commerce for all the services that they offer. The consumers deposit in the banks all the money that they not use immediately. They are divided in Private Banks, that have the unlimited liability and the capital is provided by the partners; and in Joint Stock Banks that have the either limited or unlimited liability and is formed by a large numeber of members,calld Shareholders. Banks are classified in Bank of issue, that manages the public debts, receives and gives the national currency; Commercial Bank, that manages money, provides facilities for the public and provides capital for the agricultural, industrial or commercial purposes; Merchant Bank, that accepts credit for the international trade; Saving Bank, that encurages people to save money.
The bank of England
The bank of England was found in 1694 to act as the government's banker and debtmanager.
Banking transactions and services
Banks provide a lot of services like borrowing transactions, lending transactions and transactions on behalf of third parties. In borrowing transactions the banks borrows or recives money from the customers and the bank pays the interest on money borrowed. Lending transactions are important functions like: loans where the customer ask to the bank the amoun of money he needs. Then a period of time, he pays the loan and the interest on it; discouting bill of exchange, where the customer pays a bill of exchange before the date; overdrafts are means of credit that the bank gives to the approved customers; mortgages, where the customer promises over his property if he doesn't pay the loan.
Banking services for business
Banking services for business are:
foreign trade where the banks play many services for overseas trade like: obtein minformation concerning merchants; accepptance and payment of bill of exchange; purchaise of bill of exchange and issuing letters of credit;
factoring is used if you want to avoid all the problems relating to the collection of credit. The factor can be a private factoring company, a group of insurance or a bank. Factoring is also used in foreign trade.
Leasing: a company called lessor rent to a company called lessee equipment, machinery pr goods for a monthly fee. At the end of the contract, the lessee can buy the good or return it to the owner.
Domande da interrogazione
- Quali sono i principali tipi di banche e le loro funzioni?
- Qual è il ruolo storico della Bank of England?
- Quali sono i principali servizi di transazione offerti dalle banche?
- In che modo le banche supportano il commercio estero e le imprese?
Le banche si dividono in Private Banks, con responsabilità illimitata e capitale fornito dai soci, e Joint Stock Banks, con responsabilità limitata o illimitata e formate da azionisti. Le categorie includono Bank of issue, Commercial Bank, Merchant Bank e Saving Bank, ognuna con funzioni specifiche come gestione del debito pubblico, facilitazione del commercio e promozione del risparmio.
La Bank of England è stata fondata nel 1694 per agire come banchiere e gestore del debito del governo. Ha avuto un ruolo cruciale nel fornire stabilità politica e finanziaria all'Inghilterra dopo la rivoluzione del 1688, continuando a svolgere queste funzioni fino ad oggi.
Le banche offrono servizi di transazione come operazioni di prestito e di prestito, inclusi prestiti, sconti su cambiali, scoperti di conto e mutui. Questi servizi aiutano i clienti a gestire le loro esigenze finanziarie attraverso il pagamento di interessi e la gestione del credito.
Le banche supportano il commercio estero fornendo servizi come l'accettazione e il pagamento di cambiali, l'emissione di lettere di credito e il factoring. Offrono anche leasing, permettendo alle aziende di noleggiare attrezzature e macchinari, con la possibilità di acquisto alla fine del contratto.
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