Grievances Management in Bank & House Keeping!
Grievances Management:
– Factors responsible for Grievances
– Its importance
– Reason for Grievance in Bank
– Resolving Process
(A) Factors:
1.Environment of Office
2.Sitting Arrangement
3.Time Schedule
4.Boss – Subordinate Relation
5.Financial Facilities
6.Posting
7.Promotion
8.Non Appreciation of Personal Problem
9.Career Opportunity
10.Work Load
- Nature of Work
- Communication Hazards specially Language
- ACR
- Special Favor
- Under Estimation
(B) Effects:
1.Low Productivity
2.Affecting Planning
3.Affecting for Attaining Goal/Objectives
4.Dissatisfaction, Demotivating, Discouraging Situation
5.Affecting Innovation
6.Draining out of Prospective, Efficient Officer
7.Shortage of Skilled Man Power
8.Disturbing/Affecting Work Environment
9.Affecting Reputation
10.Non Acceptances of Banking Career by the Prospective Candidate
(C) Some Resolving Process:
1.Create congenial environment/working environment
2.Satisfactory, respectful sitting arrangement
3.Priority basis work planning should be arranges to avoid unnecessary delay in office
4.Try to maintain scheduled time
5.Controlling is necessary but should not cross the limit
6.Justice to be maintained with the subordinate i.e. appreciate good performance & discourage unacceptable performance
7.Financial facilities should be reasonable
8.Reasonable distribution of work load i.e. on the basis of efficiency, performance & knowledge considering load also.
9.Posting should have reasonable consideration i.e. merit, performance, efficiency, quality etc. should be given priority.
10.Appreciate reasonable personal problem
11.ACR must have sufficient justification i.e. avoid undue favor or deceive right person
12.Motivate people at work at different ways.\
13.Arrange training for right employee for skill development
14.Career path planning is essential
15.Distribute work on the basis of efficiency
16.Appreciate good performance and discourage slow and ineffective performance.
17. Recommend promotion for the right person
- Try to avoid special favor
- Don’t under estimate anyone
- Care while using language
House Keeping: Discussion Point
Importance
“Service is the Moto
&
Profit is the Target”
To Achieve
Proper Planning, Organizing, Assembling Resources, Implementing, Disciplining, Directing, Motivating, Coordinating, Communicating, Supervising, Monitoring, Reporting, Follow-up, Evaluating, Controlling, Feedback & Complying.
Result
Success – Goodwill – Marketing – Success.
Factors:
Human Factor, Material & Non-material Factor
(Man, Money, Material, Moment, Methods (5’m) and Environment)
Management of Human Resource:
Selection & Placement:
Considering Knowledge, Skill Attitude, Aptitude, Responsibility, Accountability, Communication & Negotiation Skill with Goal Oriented, Development Through Training & Motivating, Managing Grievance, Discipline, Maintenance of Environment, Service Compliance with Duty List, Maintenance of Dairy & Dress.
Materials:
- a) Physical: Layout considering time & motion study, sign board & notice board & sitting arrangement, cleanliness.
- b) Record Management: Filling, setting, indexing, personal record filing, identifying importance & use custody, security, safety and secrecy, preservation
Nature:
Documents, forms, books, registers, security stationeries, vouchers, books of A/Cs, B.B.I., circulars, guidelines, instructions, checklist, report, statements, compliances, different index, card box, valuables etc.
Operational Management:
- a) General Banking:
- b) Credit:
- c) Forex:
Internal control & compliance
a)Compliance unit
b)Monitoring unit & ICT
c)Audit: Risk based audit
Internal Control Process:
a)DCFCL: Daily, weekly, monthly checklist
b)Recording functions
c)BM will analyze & confirm
d)BM will preserve for inspection
i)Loan documentation checklist
ii)Operation report
iii)Risk analysis & rating
iv)Monitoring & follow-up
v)Reporting
vi)Compliance in all stages
vii)Branch compliance officer (BCO)
Short Functions
- General Banking:
Customer service – A/C opening & operation – Cash management – accounting – statement, return – dispatch – clearing – collection – remittance etc.
-
Credit:
Selection – processing – CRM – security – documentation disbursement – supervision – monitoring – follow-up – classification & provisioning – NPL management – renewal rescheduling – write-off – recovery measures (Legal & non-legal)
Forex:
Processing- maintaining books, circulars, guidelines, publications – forms & documents – operation – doc, exam & scrutiny – settlement – handling LIM & demand Loan – statement & returns & maintenance etc.
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국외선물의 개시 골드리치와 동참하세요.
골드리치는 오랜기간 투자자분들과 함께 선물마켓의 행로을 함께 여정을했습니다, 투자자분들의 안전한 자금운용 및 알찬 이익률을 향해 계속해서 전력을 기울이고 있습니다.
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신속한 대응: 편리하고 빠른속도의 프로세스를 제공하여 누구나 수월하게 사용할 수 있습니다.
안전 프로토콜: 국가기관에서 사용하는 상위 등급의 보안체계을 적용하고 있습니다.
스마트 인가: 모든 거래데이터은 암호화 처리되어 본인 외에는 그 누구도 내용을 열람할 수 없습니다.
보장된 수익률 공급: 리스크 요소를 낮추어, 보다 더 확실한 수익률을 제시하며 그에 따른 리포트를 제공합니다.
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해외선물이란?
다양한 정보를 알아보세요.
해외선물은 국외에서 거래되는 파생상품 중 하나로, 특정 기초자산(예시: 주식, 화폐, 상품 등)을 바탕로 한 옵션계약 약정을 의미합니다. 본질적으로 옵션은 지정된 기초자산을 향후의 어떤 시점에 일정 금액에 사거나 매도할 수 있는 권리를 허락합니다. 국외선물옵션은 이러한 옵션 계약이 외국 마켓에서 거래되는 것을 뜻합니다.
외국선물은 크게 콜 옵션과 풋 옵션으로 구분됩니다. 매수 옵션은 지정된 기초자산을 미래에 정해진 금액에 사는 권리를 허락하는 반면, 매도 옵션은 지정된 기초자산을 미래에 일정 가격에 매도할 수 있는 권리를 부여합니다.
옵션 계약에서는 미래의 특정 날짜에 (종료일이라 지칭되는) 정해진 가격에 기초자산을 사거나 매도할 수 있는 권리를 가지고 있습니다. 이러한 금액을 행사 가격이라고 하며, 만기일에는 해당 권리를 행사할지 여부를 결정할 수 있습니다. 따라서 옵션 계약은 거래자에게 향후의 시세 변화에 대한 보호나 수익 실현의 기회를 부여합니다.
외국선물은 시장 참가자들에게 다양한 운용 및 차익거래 기회를 마련, 외환, 상품, 주식 등 다양한 자산유형에 대한 옵션 계약을 포괄할 수 있습니다. 거래자는 풋 옵션을 통해 기초자산의 하락에 대한 보호를 받을 수 있고, 콜 옵션을 통해 상승장에서의 이익을 겨냥할 수 있습니다.
외국선물 거래의 원리
실행 가격(Exercise Price): 외국선물에서 행사 금액은 옵션 계약에 따라 특정한 가격으로 약정됩니다. 종료일에 이 가격을 기준으로 옵션을 행사할 수 있습니다.
종료일(Expiration Date): 옵션 계약의 만기일은 옵션의 행사가 허용되지않는 최종 일자를 뜻합니다. 이 날짜 다음에는 옵션 계약이 종료되며, 더 이상 거래할 수 없습니다.
매도 옵션(Put Option)과 매수 옵션(Call Option): 매도 옵션은 기초자산을 명시된 금액에 팔 수 있는 권리를 허락하며, 콜 옵션은 기초자산을 지정된 금액에 사는 권리를 허락합니다.
계약료(Premium): 외국선물 거래에서는 옵션 계약에 대한 계약료을 지불해야 합니다. 이는 옵션 계약에 대한 가격으로, 시장에서의 수요와 공급에 따라 변경됩니다.
실행 방식(Exercise Strategy): 투자자는 만료일에 옵션을 행사할지 여부를 선택할 수 있습니다. 이는 마켓 환경 및 거래 플랜에 따라 다르며, 옵션 계약의 수익을 극대화하거나 손해를 감소하기 위해 결정됩니다.
마켓 위험요인(Market Risk): 해외선물 거래는 마켓의 변화추이에 영향을 받습니다. 시세 변동이 기대치 못한 방향으로 발생할 경우 손실이 발생할 수 있으며, 이러한 시장 위험요인를 감소하기 위해 투자자는 전략을 구축하고 투자를 계획해야 합니다.
골드리치와 동반하는 외국선물은 보장된 확신할 수 있는 투자를 위한 최상의 선택입니다. 고객님들의 투자를 뒷받침하고 인도하기 위해 우리는 최선을 다하고 있습니다. 함께 더 나은 내일를 향해 계속해나가세요.
Tether TRC20 Transaction Verification and Financial Crime Prevention (AML) Practices
As crypto coins like Tether TRON-based increase in usage for fast and low-cost payments, the need for safety and conformance with financial crime prevention standards grows. Here’s how to review USDT TRON-based transfers and confirm they’re not connected to unlawful actions.
What is USDT TRC20?
USDT TRC20 is a stablecoin on the TRX network, pegged in accordance with the US dollar. Recognized for its low transaction fees and quickness, it is commonly utilized for international transactions. Checking transfers is important to block connections to financial crime or other criminal acts.
Monitoring USDT TRC20 Transactions
TRONSCAN — This blockchain viewer allows individuals to track and validate USDT TRON-based transfers using a wallet address or TXID.
Tracking — Advanced users can monitor unusual trends such as significant or quick transactions to spot irregular behavior.
AML and Dirty Cryptocurrency
Financial Crime Prevention (Anti-Money Laundering) rules help block illegal money transfers in digital assets. Platforms like Chainalysis and Elliptic Solutions enable enterprises and crypto markets to identify and stop criminal crypto, which refers to capital related to unlawful operations.
Solutions for Adherence
TRX Explorer — To verify TRON-based USDT transaction information.
Chain Analysis and Elliptic — Employed by trading platforms to ensure Anti-Money Laundering adherence and monitor unlawful operations.
Summary
Making sure safe and lawful TRON-based USDT transactions is essential. Platforms like TRONSCAN and Anti-Money Laundering tools assist guard participants from interacting with criminal crypto, supporting a secure and lawful digital market.