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PROJECT REPORT ON BANKING SYSTEM

Banking System : In the modern era, Banking constitutes the fundamental basis of economic growth. The term is being used since longtime but there the benefits of using money as medium of exchange, people would deposits and make loans i.e. the modern commercial banks.

In India as early as Vedic Era, banking existing in its crude form. The words of “Manu” contain reference deposits, pledge policy of loans and rates of interest etc. The original banking operations were in the hands of indigenous banks that dominated the finance to the extent that they provide credit to the government of the day also.

The origin of the word” Bank” is shrouded in mystery. According to one viewpoint, the Italian business house carrying on crude form of banking were called “Banchi Bancheri” According to other viewpoints, the word bank is derived from German word “Banck” which means a heap or a mound. Subsequently Italians started using the name “Banco”. Which meant accumulation of either money or stock. In England, the issue of paper money by the government was referred to as raising a bank. But it can be safely assumed that the word bank is derived from Italian or German.

Definition of Bank

The first bank was “Casa de san Giorgio” that was established in 1148. To define the bank is not an easy task, as it appears one, which accepts deposits from public and lends money.

“Bank is an establishment or custody of money which pays out on customers order”. - Concise oxford dictionary

“Bank is an financial intermediary, a dealer in loan and debts” -Cairn cross

“Bank company is one which transect the business of banking which means accepting for the purpose of lending or investment or deposits from the public payable on demand or other wise and withdrawal by cheque, draft order or otherwise” -Under section 5(B) banking regulation act 1949.

In short, a bank is an institution that accepts deposit withdrawal by cheque and makes loans and advances for the purpose of earning profits.

Thus:
A bank is a commercial establishment-a dealer in debts which:

Aims at earning profit on demand or otherwise and withdrawal by cheque, draft, order or otherwise” -Under section 5(B) banking regulation act 1949.

in short, a Bank is an institution that accepts deposit withdrawal by cheque and makes loans and advances for the purpose of earning profits.

Thus
A bank is a commercial establishment-a dealer in debts which:

  • Aims at earning profit
  • By accepting deposits from public which
  • Are repayable on demand or otherwise through
  • Cheques, draft or otherwise and
  • Which are used for lending or investment.

    PROJECT REPORT ON CUSTOMER SERVICE AND SATISFACTION IN RETAIL LOANS OF BANKS


    Project Report Customer Satisfaction : The introduction and application of the concept of customer services entered in a welcoming way in India only after independence. The banking system in India has come a long way during the last two centuries. Its growth was faster and the coverage wider since 1969. In 1969a major position of banking sector was entrusted to the public sector. This process continued and embraced few private banks in 1980.

    The transfer of ownership of banks from the public to private was aimed at entrusting the banks with greater responsibilities for the economic development of India by taking banking services to the masses and taking special care of the weaker section of the society and the priority sector of the economy. Though the number of banks offices magnitude and the variety of their operations has grown considerably during the period of near about three decades, but it appears that the banking sector has entered into serious among customers.

    For overcoming this problem, banking industry should seek introspection and adopt refined management techniques. It has been endeavor of this study to analyze the present state of various banks keeping in view the primary data has been collected regarding the present state of loan schemes in various banks by using a questionnaire.

    Types of Loans Project Report Advantages and Drawbacks of Loan Schemes










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