
banker kii sweekriti

banker kii sweekriti bhavishya mein bhugtan karane key liye baink dwara kii gaee pratibaddhata haye. anurodh aam taur parr bhugtankarta, raashi aur usa tarikh koo nirdisht karega jiss parr yeh bhugtan key liye paatr haye. sweekriti key baad, anurodh baink kaa ack binaa shart daayitva bunn jaataa haye. banker kii sweekriti koo samanya samay masaudon seey alag kiya jaataa haye jisamen swaamitva paripakvata seey pahale hastantaraniya hotaa haye, jisase unhein maadhyamik bajar mein vyaapaar karane kii anumati milati haye.
ack banker kii sweekriti bhavishya key bhugtan aur shulk kii raashi mein jamaa key saath shuru hoti haye. jamaa parr taiyar kiya jaane vaalaa samay masauda bhavishya kii tarikh mein bhugtan key liye jaari kiya jaataa haye, joe ack post-dated check key samaan hotaa haye. baink draft dhaarak koo bhugtan karane key daayitva koo sweekaar kartaa haye (guaranti), joe ack cashier key check key samaan haye. masauda dhaarak paripakvata taka sweekriti rakh sakata haye aur baink seey ankit moolya bhugtan praapt curr sakata haye, yaa vaha baink key vaade key bhugtan koo praapt karane key liye paripakvata taka prateeksha karane key ichchuk kissy anya paksh koo chhoot parr sweekriti (vinimay) betch sakata haye. 
rinn jokhim koo cumm karke anjaan pakshon key beach lenden mein banker kii sweekriti fayademand hoti haye, aur iss kaaran seey antarrashtriya vyaapaar mein iska vyaapak roop seey upayog kiya jaataa haye. ack samjhaute mein jisake tahat maal koo bhavishya kii tarikh mein becha jaayega, yadi kharidar kaa vikreta key saath koee sthaapit sambandh naheen haye yaa anyatha vikreta seey rinn praapt naheen curr sakata haye, tou ack banker kii sweekriti ise apane liye baink kii rinn yogyata koo pratisthaapit karane mein saksham banaati haye. 
banker kii sweekriti aamtaur parr 1 seey 6 maheene key beach paripakvata avadhi key saath kaee gunaa mein jaari kii jaati haye.
itihas.
bankers kii sweekriti 12veen shatabdi seey shuru hoti haye jaba way anishchit vyaapaar key vittaposhan key saadhan key roop mein ubhare, kyonki bainkon ney chhoot parr vinimay key bill khareede they. 18veen aur 19veen shatabdi key dauran, landan mein sterling banker kii sweekriti key liye ack sakriya bajar thaa. jaba 1913 mein sanyukt raajya sanghiya reserve kaa gathan kiya gayaa thaa, tou iska ack uddeshya hamaare vyaapaar koo badhaava dene aur americi bainkon kii pratispardhi sthiti koo badhaane key liye pratidvandi landan key liye ack gharelu banker kii sweekriti bajar koo badhaava denaa thaa. rashtriya baink samay masauda sweekaar karane key liye adhikrit they, aur sanghiya reserve kuchh yogya banker kii sweekriti khareedane key liye adhikrit thaa, lekin aaj americi kendriya baink banker kii sweekriti naheen khareedata haye (balki isake bajaay ack praathamik dealer seey jyaadaatar americi sarkari baand khareedata haye).
chean key janvaadi ganarajya mein, banker key sweekriti nott ack chhaaya mudra bunn gaye hain, jisamen sthaaniya sarkaaron key bandee baink apane rinn key star koo chhipaane key liye bee. aeye. jaari curr rahey hain.
banker kii sweekriti darein.
banker kii sweekriti darein bajar darein hain jinn parr banker kii sweekriti vyaapaar hoti haye, aur vartamaan moolyon dwara nirdhaarit kii jaati hain joe pratyaksh moolyon key saapeksh hoti hain. yadi aaj bajar moolya parr koee sweekriti kharidi gaee thee aur bhugtan kii tarikh taka rakhee gaee thee tou way praapt vaapsee kaa pratinidhitva karate hain. 
sabhi darein banker kii sweekriti darein hain jinamen baink kaa commission shamil haye.
anya masaudon key saath tulanaa.
jaba ack masauda masauda dhaarak koo tatkaal bhugtan kaa vaadaa kartaa haye, tou ise drishti masauda kahaa jaataa haye. maang jamaa parr likhe gaye check drishti masaude key udaaharan hain. jaba ack masauda masauda dhaarak koo ack sthagit bhugtan kaa vaadaa kartaa haye, tou ise samay masauda kahaa jaataa haye. jiss tarikh koo bhugtan deya haye, usey paripakvata tithi kahaa jaataa haye. aise mamle mein jahaan samay masaude kaa praaptakarta aur praaptakarta alag-alag paksh hain, praaptakarta masauda koo prastut curr sakata haye taaki yeh pushti kii jaa sakey kii masauda ack vaidh adesh haye aur yeh kii praaptakarta nirdisht tithi parr bhugtan karega. iss tarah kii pushti koo sweekriti kahaa jaataa haye-draui bhugtan key adesh koo vaidh key roop mein sweekaar kartaa haye. draft parr sweekrit daak tikat aur usake baad deya honey parr nirdisht bhugtan karane key liye baadhya haye. yadi rinn lene vaalaa ack baink haye, tou sweekriti koo banker kii sweekriti kahaa jaataa haye. 31 see. aff. aar. bhaag 203 key tahat koshagar curr aur rinn (tii. tii. aind ell.) karyakram key tahat bankers kii sweekaryata koo paatr sampaarshvik maanaa jaataa haye.
banker kii chhoot kii tulanaa vaastavik chhoot (vartamaan moolya key anusaar) key saath kii jaae.
aksar, baink sweekaar karane vaale paksh seey samay draft khareedane key liye taiyar hotey they, basharte kii jarikarta shreya key yogya hoe. yadi sweekriti rakhane vaalaa paksh paripakvata seey pahale nott betch detaa haye, tou davedar koo saunpi jaane vaali raashi key ankit moolya koo cumm karane key liye banker kii chhoot naamak chhoot moolya kaa upayog kiya jaataa thaa. aitihaasik roop seey, iss tarah kii sweekaryataon parr bainkon dwara upayog kii jaane vaali chhoot darr fv × aar × tii (efaveeh ankit moolya, aarah byaaj darr, teeh samay avadhi) thee. yadi yeh chhoot lagu kii jaati haye, tou sweekriti dhaarak koo lauti gaee raashi kaa moolya ganitiya roop seey nott key sahee moolya (yaa vartamaan moolya) seey cumm hoga. antar koo banker kaa laabh kahaa jaataa haye aur yeh chook key jokhim koo sweekaar karane key badale mein baink dwara arjit laabh kaa pratinidhitva kartaa haye.