Borrowing Information's Introduction

Before developing a credit relationship with any customer, a banker finds out every posswible details about the borrower.Regarding borrower information, study of six Cs i.e character,capacity,
capital,collateral,conditions and compliance is made.Under C6, credit worthiness of the borrower,
payment capacity, managerial capacity,security, sensitivity of the cash flows to markets situations
and the corporate governance with the compliance of rules and regulations formulated by the government etc. are studied.

In the borrowing process, there are so many methods some of them are as follows:

1. C6 Analysis: It covers character, capacity, capital, collateral, condition and compliance.
2. Credit Agencies: It reflex that in foreign countries there are specialized agencies which collect status reports of businessmen.They collect market report from sources such as market place, private agencies and various newspapers.
3. Status Reports: It consists of credit inquiry loan application,market report, study of account, financial statements,other sources and personal interview etc.

However, while assessing the credibility b of the borrower one must be free from biases or undue influence.Hence, as a lending officer one must evaluate all information independently.
It is always advisable to keep space with people having doubtful character or whose intention is not clear.

World Share Market

Share Market is one of the major challenging markets of the world. It is dynamic and changable everything right from economical to political informations and considers market to be supreme.Shares are tificates which gives ownership rights to the holder in the companies.Share Market plays an important role in bank and financial sectors from the investors to the business houses.Abroadly study on the world share market, also known as the world stock exchange.A stock market indicates a market where the trading of company shares, stocks, and bonds take place on a large scale along with issuing and redemption of the securities.

Investment in Share Markets are possible through Stock Exchanges. Exchanges are organized market places where stocks, bonds and other equivalents are traded between the buyers and sellers in an organized market.There are two channels of market for investment purpose, these are: one is Primary Market and the other is Secondary Market. Primary Market deals with securities that are channelized through the Initial Public Offer. In the Secondary Market, investors trade the securities among themselves for profits.Some major roles of world share markets are:

Raising capital for companies,Facilitating company growth, Mobilizing Savings for Investment,
Redistribution of wealth etc.

Hence we can conclude by saying that world Share Market is expanding and helping the economies to grow through proper channelization of funds. World share market participants range from small individual stock investors to large-scale hedge fund investors.

Customer Relations Group

Bank is solely a service orieted business organization.Service excellence is paramount to satisfy a customer and unless a customer is satisfied, it is almost unthinkable of retaining a customer.Ther are two types of customer: namely walk- in customer and permanent customer.Walk - in customers are those customers who enter the bank just to take a one- time service like draft issuance, fax transfer or encashment of cheques. Permanent customer of a bank must fulfil mainly three conditions viz. there must be visible dealing activities between the customers and banker.

Customers are king in the real business world, the Customer Relations Group works with companies in making the transition to superiority in the delivery of superior service, internally and externally. The Customer Relations Group, is an internationally known and respected in a right manner.

Managers helping them fine-tune their problem solving, service and leadership skills and find their behavior with individually by the help of different way, in this way the bank or organizations will get suceeding in the propper way that's the reality in overral looking.Small companies particularly need to differentiate themselves because they don't have the advertising that larger firms do. One of the best ways to differentiate in your relationships with customers is to focus more on listening than on talking.

Hence bank or organization firstly, find out the customer behaviour and then know the customer group , as well as to build the their relationship.Otherwise There will never be a second opportunity to take care of the customer right the first time.