摘要:HSBC是世界上最大的银行和经济服务组织部门,它位于英国伦敦,它在欧洲的85个国家和地区中开创了9500多家公司,本文就HSBC的银行体系进行分析,是一篇十分优秀的留学生论文。
ducts.
The Bank shall ensure that all agents who sell, distribute or otherwise market Bank’s card products have a Code of Conduct for their dealings with prospective customers and Cardmembers. The Bank shall have monitoring process in place to review the agent’s compliance to this code, at regular intervals.
CARD OPERATIONS AND CUSTOMER SERVICE
The Bank shall have effective processes and systems to ensure quality in operations and customer service
The Bank shall maintain effective processes and systems to maintain quality in following card operations activities:
Timely§ Dispatch§decision to customers§processing for applications and communication of communication to inform about§of credit card in a secured mode and follow-up Availability of contact centers such as telephone service§issuance of card
§ centers for customers to contact for information or queries
§ on products, services and related subjects
§ Timely dispatch of credit card statements
§ Timely processing of payments received from credit card
§ customers
§ Receipt and satisfactory disposition of customer
§ correspondences and complaints
The Bank may have processes to honor customers’ choices and preferences during the period of customer relationship
The Bank may have processes to honor customers’ choices with regard to the following, subject to certain terms and conditions:
§ Change of payment modes within types offered by the
§ Bank
§ Opting out from receipt of Bank’s marketing and
§ promotional materials
Voluntary termination of credit card facility§
The Bank shall treat customers with respect and dignity during collection efforts
The Bank has policies and employee training programs to guide employees to exhibit courteous and fair behavior during collection efforts. The Bank shall ensure that all collection and recovery agents have a Fair Practice Code for their dealings with the customers.The Bank shall have monitoring process in place to review the agent’s compliance to this code, at regular intervals.
CUSTOMER PRIVACY
The Bank shall safeguard the privacy, confidentiality and security of customer data entrusted with it.
The Bank has privacy principles to ensure that the customer information collected is relevant, accurate and confidential. The Bank has adequate standards to protect customer accounts and information. These standards allow customers to remove their names from lists used for mail, telephone and online marketing. All employees shall be trained in customer privacy principles as appropriate to their work.
FAIR COMPETITION
The Bank shall comply fully with the letter and spirit of laws designed to preserve free and open competition
The Bank strongly supports vigorous but fair competition.
The Bank shall make completely factual and truthful statements about our own products or those of our competitions, whether in advertising or in speaking to customers or others
The making of false or misleading statements about our competitors is inconsistent with our reputation for integrity. The Bank and its employees shall deal fairly and honestly wi
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