What’s the relationship between banks and clients? What services do banks provid

游客2025-06-21 18

问题 What’s the relationship between banks and clients? What services do banks provide to the personal customers?

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答案 (1)The relationship between banks and clients:
A. It is a contractual agreement under which, once an account is established, the agreement begins to operate.
B. It is a debtor-creditor relationship.
   Depositor-banker-borrower.
C. It is the principal-agent relationship.
   The agent refers to the services that the bank provides to the customer.
(2)The services provided by banks to personal customers:
A. The services can be divided into two categories:
General banking to regular customers and the private banking to specific or selected high net worth customers.
B. General banking services:
a. Traditional types of deposit taking services:
Hong Kong Dollar deposit
Current Account Deposit
Savings deposit
Time deposit
Call deposit
Target deposit
Foreign Currency Deposit
Savings Deposit
Time and Call Deposit
Swap Deposit
Paper Gold Deposit
b. Innovational types of deposit taking services:
Index Deposit
Time deposit plus investment
Principal amount protected
Interest rate is linked with the performance of stock market
Investment
Similar to the index deposit
Covers more investment choices
c. Personal loans:
-Installment loans:
-They are granted by the bank to the customer over a fixed period of time.
-Repayment schedule is usually fixed in amount and time.
-Secured installment is based on a security provided by the customer which is attached to the loan agreement. Most popular secured loans are those for financing the purchase of durable items.
-Unsecured installment is a loan granted by banks up to a certain limit, without security; the loan is usually for a shorter period of time and for smaller value.
d. Credit card and plastic money
e. Automatic Teller Machines (ATMs)
f. Foreign currency exchange
g. Travel facilities
h. Insurance services
i. Hire purchase
j. Investment and personal advice services
C. Private banking to specific or selected high net worth customers:
—The banker provides a wide spectrum of personal services to wealthy clients who may have little knowledge of how to handle their own financial affairs or who are too busy.
—The banker provides tailor-made investment program to the customer.

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