摘要:本文分析的是巴基斯坦的MCB银行,这是一个十分庞大的体系性的银行,MCB银行是一个以12.5%的市场份额占据巴基斯坦第一位的银行。它也正是在巴基斯坦创新型的消费银行业务的先驱。
gnatures and contra advice or voucher should be present. Vouchers are advice either debit or credit slips. They are contra of each other. If any voucher of debit is passed its contra credit voucher should also be passed for the balancing of accounts, their respective sheets.
CLEARING:
1. INWARD CLEARING:
It depends on those checks that are cleared inter branch and with in the city. As the concerned branch receive any type of clearing check first of all physical checking is taken place. For clearing procedure there should be two days margin. These checks have their vouchers and the amount of the check and voucher should be identical. Than these checks are stamped and noted on receiving sheet as well as feed in to the computerized system.
2. OUTWARD CLEARING:
It depends on those checks that are cleared out side the city. For outward clearing checks are send because the home branch has there accounts but checks are of other banks. Contra of these checks are vouchers that are recorded in the home branch.
TOKEN:
Token is the process of different steps of checking of the cheaques:
1. PHYSICALLY CHECKING:
First of all the cheaques is physically checked:
2. DATE:
It should not be advanced of the latest date. Date should be limited to only past six months.
3. AMOUNT:
Amount in words and figures should be written in clear writing. Any kind of over writing and cutting should be prevented. Other wise it could not be passed and returned to the customer.
3.PAYEES / BEARER CHEAQUES:
If the cheaques are payees' accounts head or they have marked bearer then these cheaques are not labeled token.
4. VERIFICATION OF SIGNATURES:
Signatures are checked as well as verified. In case of other representative of the account holder brings the cheaque then two signatures of that person are taken.
5. STAMPS:
After physical checking of the cheaques they are stamped.
6. TOKEN NUMBER:
As the cheaques are stamped token numbers are issued for the payment of either cash or transfer of amount in the account.
7. NOTING:
As the cheaques are stamped and token numbers are issued they are also recorded as well as noted in the token number register. A serial number from the token register is generated that should be same of the token being issued. If any cheaque that is recorded wrong then that number is cancelled and the token is placed at other place or returned in the cash department.
ISSUANCE OF CHEAQUE BOOKS:
Any account holder that has opened the account he/she could credit his/her account and for this purpose there should be a cheaque book, so he/she could be able to credit the needed amount whenever he/she wishes. For the issuance of the cheaque book a person is advised to fill a requisite slip with his/her full name and the account number with two verified signatures. These signatures are checked and then another requisite slip prepared by the bank staff send to the NIFT, and it issues the printed cheaque books after completion of the procedure in two or three days.
Account holder can take it by signing on the issuance register or if the absence of the account holder another person could
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