Banking Law and Practice

Häftad, Engelska, 2013

Av Hong Kong Institute of Bankers (HKIB), Hong Kong Institute of Bankers (Hkib)

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A solid understanding of how banks operate is crucial to grasp the functioning of modern society. Banks are an intrinsic part of business, finance, and everyday life. Modern banking is regulated by a sophisticated set of laws and regulations that are constantly evolving. Banking Law and Practice from the Hong Kong Institute of Bankers outlines and explains these laws and regulations clearly and in detail.This regulatory framework has a deep impact on banks, bankers, and anyone that deals with them, which is the overwhelming majority of society. This high level of impact makes Banking Law and Practice an important book as well as a necessary and authoritative reference for industry professionals, students, and the public at large.Banking Law and Practice discusses a range of topics that have a direct bearing on the day-to-day operations of banks, from contracts to how to ensure safe and secure lending. It examines the development and current state of banking legislation and regulation and facilitates bankers and their institutions to shape their practice to meet all the necessary legal and regulatory requirements.Students, industry professionals, and the public at large will welcome the thorough and clear explanations of the legal and regulatory framework in which banks operate. This book is essential reading for candidates studying for the HKIB Associateship Examination and anyone else seeking expert knowledge of the legal and regulatory structure affecting banks in Hong Kong.Topics covered in this book include: Contractual RelationshipsCode of Banking PracticeMoney LaunderingNegotiable InstrumentsLaw Related to SecuritiesBankruptcy and Insolvency

Produktinformation

Utgivningsdatum2013-11-08
Mått180 x 244 x 20 mm
Vikt680 g
FormatHäftad
SpråkEngelska
Antal sidor256
FörlagJohn Wiley & Sons Inc
ISBN9780470827611

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Finansrätt inom Juridik

China Construction Bank (Asia) Corporation Limited ["CCB (Asia)"] is honored to sponsor the publishing of Banking Law and Practice by the HKIB. CCB (Asia) is a wholly owned subsidiary of China Construction Bank Corporation ["CCB"], the world's second largest listed bank by market capitalization as of December 31, 2011. CCB (Asia) offers consumer, retail, commercial, and private banking with an extensive range of professional services for customers.

Preface ixPART 1 BANK-CUSTOMER RELATIONSHIP AND ACCOUNT OPENING 11 Contractual Relationships in Law and Practice 3Learning Objectives 3Introduction 4Definition of ‘Customer’ 4Nature of the Banker-Customer Relationship 5Laws and Practice 7Mandates 9Power of Attorney 11Limitation of Actions 14Appropriation of Payments 15Set-off 17Banker’s Lien 20Banker’s Duty of Secrecy 21Personal Data and Consumer Credit Data 28Statement of Account or Passbook 33Wrongful Dishonour of Cheques 34Exemption Clauses 36Summary 37Key Terms 38Study Guide 39Further Reading 392 Opening and Conduct of Accounts 41Learning Objectives 41Introduction 42Opening of an Account 42Conduct of Account 44Closing of Account 51Opening and Conduct of Accounts for Various Customers 52Defi nition of Different Types of Authorities 82Anti-Money Laundering and Counter-Terrorist Financing 85Summary 98Key Terms 99Study Guide 100Further Reading 100PART 2 BANKING OPERATIONS 1013 Bills of Exchange and Promissory Notes 103Learning Objectives 103Introduction 104Negotiable Instruments 104Bills of Exchange 107Promissory Notes 124Summary 127Key Terms 128Study Guide 128Further Reading 1294 Other Banking Operations 131Learning Objectives 131Introduction 132Credit Cards 132Direct Debiting 138Automated Teller Machines 141Electronic Funds Transfer at the Point of Sale 143Investment Advice 144Safe Custody 146Other Banking Services 150Internet and Phone Banking 152Summary 154Key Terms 156Study Guide 156Further Reading 157PART 3 LAW RELATING TO SECURITY 1595 Guarantee 161Learning Objectives 161Introduction 162What is a Guarantee? 162Undue Infl uence 165Guarantees by Minors 166Guarantees by Partnerships 167Corporate Guarantees 168Joint and Several Guarantees 168Liability of Guarantors 170Guarantor’s Rights as Against the Creditor 172Guarantor’s Rights as Against the Debtor 173Rights of Co-Guarantors 174Duties of the Creditor Bank 175Discharge of the Guarantor 176Summary 180Key Terms 181Study Guide 182Further Reading 1826 Mortgage of Land 183Learning Objectives 183Introduction 184Land in Hong Kong 184Mortgages 187Priorities 192Rights of Mortgagee/Chargee 195Rights of Mortgagors/Chargors 201Discharge 205Summary 205Key Terms 206Study Guide 207Further Reading 2077 Other Security Interests 209Learning Objectives 209Introduction 210Company Charge 210Pledge 218Hypothecation 222Company Shares 224Insurance Policies 229Bankers’ Lien 235Summary 236Key Terms 237Study Guide 237Further Reading 238PART 4 INSOLVENCY 2398 Bankruptcy 241Learning Objectives 241Introduction 242Bankruptcy 242Bankruptcy Order 244Discharge From Bankruptcy 248Voluntary Arrangements 248Legal Issues for the Banker 250Summary 254Key Terms 256Study Guide 256Further Reading 2569 Winding Up 257Learning Objectives 257Introduction 258Winding Up 258Compulsory Winding Up 259Voluntary Winding Up 262Petition for Winding Up 265The Liquidator 265Unregistered Companies 271Assets Available for Distribution 271Ranking of Claims 274Antecedent Transactions 276Legal Issues for the Banker 278Summary 282Key Terms 283Study Guide 283Further Reading 284Index 285