Bank of China †Survey of products and services provided Essay Example for Free

Bank of China – Survey of products and services provided Essay Personal Banking. In the personal banking segment one of the principal products and services include deposit products. The Bank of China provides a variety of deposit products including foreign currency deposits. It has also included multifunctional debit card which can assist financial planning. (Deposits, 2006). It has also got a facility for deposit collections at different places which facilitate those with transferable jobs or changing residences frequently to follow up their deposits without any geographical constraints (Deposits, 2006). Deposit Certificates are being issued by the Bank for people’s needs for studying abroad, visiting relatives or for domestic requirements. (Deposits, 2006). The bank also provides facilities for payment of fees, providing pay to employees, stock fund transfer service and handling of securities trading services. (Deposits, 2006). In addition Personal Checks are provided for high value account holders for making large purchases which are beyond the credit card limits allotted. (Personal Check, 2006). In the loans segment, Bank of China is providing a variety of loans to its personal customers. The primary loans include educational loans which can be commercial or state. The latter are at discounted interests by the central financial authorities in China, while commercial loans are for financing tuition and other fees which is supported privately. (Loans, 2006). Auto loans include financing for purchase of cars. In addition there are travel loans to facilitate in board as well as out board travel which however has to be only through approved travel company services as per bank norms. (Loans, 2006). There are petty consumer credit loans which are provided for facilitating normal consumption needs of customers such as labor service and fee payments. (Loans, 2006). For such purposes the client is required to be credit worthy. A normal service provided by the Bank is renting of safe deposit box. (Loans, 2006). Another important service provided by the bank is that of Bancassurance, which involves a tie up with the insurance companies, providing the client a full range of services to include insurance, premiums on policy and preservation at a savings outlet in BOC. (Bancassurance, 2006). Corporate Banking. In the corporate banking sector, the Bank of China has a strong presence with a global profile. Its experience and expertise is seen to be of particular benefit to the Chinese businessman seeking to do business globally. (Corporate, 2006) The bank claims to provide unique services based on its ability to assess market sensitivity. The various corporate services provided by the bank include financing for trade, risk controls, protection of risk of debt and is extending even further to management of ledger and collection. (Corporate, 2006). In the loans segment the various types of loans include providing working capital to the companies, for financing projects, real estate businesses, fixed assets and loans on foreign currency. (Corporate, 2006) Business is provided finance in various forms of credit such as a normal credit line, credit for export buyers, finance lease guarantees, credit for export sellers, accounts receivable purchases and labor service contracts. (Corporate, 2006). For international businesses, the services provided include both inward and outward remittance, collection of letters of credit for both imports and exports, bill discounting, packing loan and guarantees for businesses and shipping. (Corporate, 2006). The investment banking services include a financial advisory service, cash management, loan trusts and agent bank business. The bank has also developed extensive e banking services to include i-banking, telephone banking and mobile phone banking. These services are seen to be highly effective in providing the corporate a variety of mediums of interaction on the World Wide Web. (Corporate, 2006). In the segment of foreign exchange and settlement, it is the lead bank in China and hence enjoys considerable leverage in the Chinese banking industry. This caters for individual and personal foreign exchange needs. (Forex, 2006). It has also facilities for forward transactions in foreign exchange Global business facilities include same day facility of funds transfer with the GLOBAL NICS programme in place which enables transactions across 581 overseas branches in 26 countries and regions on a single computer network. (Global, 2006). Linked to SWIFT communications, it enables a safe and speedy transaction for business persons. This is particularly significant with the extensive network of the Bank within China comprising of over 12,000 branches. It also facilitates international clients to transfer money within China speedily. (Global, 2006). Overseas Presence. The Banks overseas presence has been consistently growing after the China Development Finance Company (HK) was established in 1979, followed by Bank of China Groups Securities Limited in 1983, Bank of China International UK Ltd 1996 and Bank of China International in Hong Kong in 1998. (BOCI, 2006). The subsequent entry of BOCI into mainland has provided it added opportunity to establish close links with stable Chinese corporations to include China National Petroleum Corporation, State Development Investment Corporation, China General Technology (Group) Holdings Limited and so on. (BOCI, 2006) This enables strengthening of the financial link of the Bank providing it greater stability in the international as well as national banking domains. (BOCI, 2006). Banking Facilitation. The BOC is also an agent bank for a large number of other banks providing them the services of consignment banking to manage loans between borrowers and the agent bank. The consignment banks include China Import and Export Bank and the State Development Bank. (Agent, 2006). This provides the client bank the advantage of drawing upon the experience, expertise and network of a larger bank with an international presence as the BOC. A relatively high quality of service is said to be provided to the agent bank by BOC. Generally a tripartite agreement is signed between the BOC, the client bank and the borrower. (Agent, 2006).

Amelia Earhart :: Biography Biographies

Amelia Earhart Amelia Earhart is one of the worlds greatest aviators, heroes, women, and all around person. She wasn't afraid of the things people said about Women not being aviators. She broke the stereo type boundaries and let the world know that she was not afraid of being a one of the best aviators of our time. Amelia was born in her grandparents house on July 24,1897. Her Father Edwin Earhart was working for a law practice in Kansas city during this time. Amelia didn't know that 2 1/2 years later she would have a sister named Muriel with the nickname Pidge. Amelia and Pidge were born into a life of privilege through their grandparents. They both attended a private school and took pleasure in their life of leisure. There grandfather was not impressed, though, with his son in law Edwin, the girls father. He apparently failed to live up to his father in laws social and financial expectations. Her Mother and Father moved to Des Moines in 1905 leaving the girls with their grandparents. The girls moved back to their parents in Des Moines in 1908. Amelia saw her first airplane when she was ten years old at the Iowa State fair. In her words she said "It was a thing made of wire and not all that interesting..."She took more interest in the Hat that she purchased at the fair. It would be almost ten years until Amelia's interest in aviation would unfold. Amelia father was promoted in 1909 and their conditions of living improved greatly. But Edwin had begun to drink and soon it became apparent to Amelia that her father was a drunkard. It also became apparent to family and friends. Finally in 1914 Amelia, Pidge and her mother left her father and he was fired and went to live with some friends in Chicago. There social life dropped and they became a subject of pity. Amy took money out of a trust fund to support Amelia and her sister through a prepatory school for collage. Amelia decided to train to become a nurse and served as a Voluntary Aid Detachment until the Armistices in November 1918.In her words she said: "There for the first time I realized what the World War meant."She also told about the horrible things that she saw like men without arms or legs, blind men, and even Paralyzed men. In the fall of 1919 Amelia enrolled as a pre- med student at Columbia University .

Summary of website & About The Company

Netscape Communications Corporation is a â€Å"leading provider of open software for linking people and information over private TCP/IP-based enterprise networks (â€Å"intranets†) and the Internet.† They develop market and support a wide area of enterprise client and server software, tools for development and commercial applications which creates a single communication platform shared for other network applications.All its software is on industrial standard protocols; therefore it can be deployed on any operating system, hardware platform and databases. It can also be connected with various other client/server applications. The software can be used across different geographic locations, third party partners and customers.The product can be used by individuals or by organizations for any internet related transactions such as buying and selling of information, software, merchandise or publications.The company also offers services for the user and the network. These featu res include graphics and e-mail. The Company also offers software products and tools for intranet users. Their marketing strategy incorporates multiple channel distribution, direct sales, internet, telesales, resellers, value-added resellers and retailers.Some of the companies with which Netscape does business are AT&T, Apple, British Telecom, Compaq,   Deutsche   Telekom,   Digital,   France   Telecom,   Hewlett-Packard, IBM, Informix, Novell, Olivetti,   Siemens, Silicon  Ã‚   Graphics, Sybase and Sun. Netscape was incorporated in April 1994 in Delaware. The homepage is available at http://home.netscape.com. The Executive office is situates at 501 East Middlefield Road, Mountain View, California 94043. Stocks are traded on NASDAQ under the symbol â€Å"NSCP†. The U.S. offering was a total of 4,250,000 shares.The International offering was 750,000 shares, carrying the total to 5,000,000 shares. This includes 2,000,000 shares sold by The Company and 3,000,000 shares which were sold by Selling Stockholders. 86,535,395 shares were outstanding from the Common Stock after offering.The summary of the supplemental and consolidated financial information is as follows. In the months of March 1995, June 1995, September 1995, December 1995, March 1996, June 1996 and September 1996. The total revenue was $100,016 the highest in September 1996 and the lowest in $5,814 in March 1995.The gross profit was $85,322 the highest in September 1996 and the lowest in $5,814 in March 1995. The merger related charges were lowest in $2,033 in December 1995 and highest $6,100 in June 1996. Total operating expenses was highest $76,362 in September 1996 and lowest in $10,412 in March 1995. The Net income (loss) per share was 0 in September 1995.

Writing and Literature is the Best Way of Expressing Emotions

Writing is arguably the most fluid way of expressing emotion, thought, personality, and wit. One’s thoughts are spread to others, by simply writing them down, and expressing them. Ultimately however, it is how one defines the language that distinguishes genuine individuality of thought. Often times in literature, there is often a common literary structure including certain emotions and thought. This traditional literary structure includes common moods, styles, or emotions as a reflection of the culture of the time period. In sixteenth century England for example, literary works were rarely if ever created in isolation from other currents in the social and cultural world. John Donne, a seventeenth century poet, created works during a period†¦show more content†¦Looking at line five of Holy Sonnet 10, â€Å"From rest and sleep, which but thy pictures be,† (Donne) there is clearly a physical, and metaphysical component. â€Å"From rest and sleep,† suggest t he physical, and â€Å"which but thy pictures be,† suggest an absence of presence. Clearly, although Donne pays attention to the image, he weds to it subtle hints of heavenly and earthly spheres of existence. Because John Donne had the capacity to differentiate himself - as many metaphysical poets at that time would - the ways through which he created the actual text is important to analyze, as it reveals insight into the relationship between the structure of the text and the context of the poem. Looking at The Anniversary, clearly there is a unique relationship between the structure of the line, and the metaphysical depth it brings. Looking at lines 21 and 22 of The Anniversary, one can clearly see the importance of where Donne divided the line. â€Å"And then we shall be throughly bless’d,† (Donne) suggests an acceptance into a life beyond life. â€Å"But we no more than all the rest,† (Donne) a separate line, characterizes life being good. Robert Mart in Adams stated there is â€Å"a distinction of tone, feeling, and intellectual content between Donne’s prose which seemed classical, verse, and line length† (Adams 283). Clearly, as a result of the time period, John Donne exercised writing approaches that were not dictated by theShow MoreRelatedOthello: The Tragedy of an Aristotelian Tragic Hero Essay1531 Words   |  7 PagesOthello, is an excellent illustration of what Aristotle constitutes as a tragic hero. The play imitates life through basic human emotions such as jealousy and rage. In addition, Othello is far from being a perfect character - another quality that meets Aristotles requirements. 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