La banque postale

La banque postale

 

What is really a banking system? It seems just like a straightforward question. Nonetheless, dependant upon wherever you sit plus your personalized perspective there is usually various various solutions.

When I pose this question to contributors on my courses I invariably get a solution that promotions exclusively which has a computerized approach. In the present jargon the term “system” seems to immediately make reference to a computer and also a pc only.

However a “system” is bigger than simply a pc. A “system” is usually a grouping or mixture of things or parts forming a posh or unitary full. An simply understood case in point is the postal procedure which includes things such as letters, stamps, parcels, letter boxes, put up offices, sorting places of work, personal computers, clerks, mailmen, delivery vans, airlines; simply to point out a number of of its parts. It really is how all of this is organised and built to work which makes it worthy with the title “postal system”. So, whenever we speak of the system, we discuss of a thing much bigger and more complex than the computerized element of that procedure.

The exact same logic pertains to every other “system” and “banking systems” are not any different.

The cheque clearing method (or check clearing process to our American cousins) can most likely lay assert towards the honour of being the oldest banking method on the planet. This method, with variations, is used to this incredibly day in all nations wherever the cheque nevertheless sorts a part of the countrywide payment technique.

Today within the twenty first century, in the majority of international locations exactly where the cheque remains in use, the cheque clearing procedure is really a extremely advanced method making use of point out on the artwork technological innovation, viewers, sorters, scanners, coded cheques, electronic photographs and lots and much of computing power.

The cheque is essentially a humble piece of paper, an instruction to some financial institution for making a payment. The tale with the cheque clearing technique can be a tale that may be worthy of telling. It is that story of a banking technique that is certainly now in its 3rd century of procedure. It is the story of the banking procedure which has progressed and changed and been improved by means of a great number of innovations and changes. It is a story on the key payment instrument which has served grease the wheels of commerce and sector.

How did the cheque commence? Most likely in ancient occasions. There may be converse of cheque-like instruments through the Roman empire, from India and Persia, courting back two millennia or more.

The cheque is usually a composed order resolved by an account holder, the “drawer”, to his / her lender, to pay for a certain quantity on the payee (generally known as the “drawee”). The cheque is a payment instrument, that means that it’s the particular automobile by which a payment might be taken from one particular account and transferred to a different account. A cheque provides a lawful temperament – it truly is a negotiable instrument ruled for most international locations by legislation.

To illustrate allow us use an case in point. Your Aunt Sally offers you a present for your birthday. A cheque for one hundred lbs .. To receive a maintain of the serious current (the cash that’s) you’ve got two options. You could take by yourself off to Aunt Sally’s lender and declare payment in money by presenting the cheque there your self, or else you could give the cheque for your possess financial institution and check with them to gather the quantity on your own behalf.

Collecting your current in man or woman may be a true bind, in particular if Aunt Sally life in a further town, miles away from where you live. So you deposit your cheque with the financial institution.

Cheque clearing is definitely the system (or technique) that is certainly used to obtain the cheque that Aunt Sally gave you in your birthday, from the bank branch, in which you deposited it, to Aunt Sally’s financial institution department also to get settlement for that quantity due back again on your personal department. On condition that on anybody working day tens of millions and countless cheques are processed, sorted, processed, transported; acquiring payment for and holding tabs on every one of these merchandise is not any easy feat.

 

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