Banka m\u00fclakatlar\u0131 \u0130ngilizce ger\u00e7ekle\u015febilmektedir ve pek \u00e7ok aday ne yaz\u0131k ki bu konuda yeterli kayna\u011fa ula\u015famayabilmektedir. \u00d6ncelikle derledi\u011fimiz sorular\u0131, uluslararas\u0131 m\u00fclakatlara da girme ihtimalinizi g\u00f6z \u00f6n\u00fcnde bulundurarak haz\u0131rlad\u0131\u011f\u0131m\u0131z\u0131 s\u00f6ylemekte fayda var. Zira terimler ve bankac\u0131l\u0131k sistemleri \u00fclkeden \u00fclkeye farkl\u0131l\u0131k g\u00f6sterebilmektedir. Yine de sizler i\u00e7in bu farkl\u0131l\u0131\u011f\u0131 minimum d\u00fczeye indirmeye ve size faydal\u0131 olmaya \u00f6zen g\u00f6sterdik. \u015eimdiden keyifli okumalar!<\/p>\n
The bank is a financial institution established as a cash deposit buyer. There are two types of banks: commercial banks and investment banks. In most countries, banking systems are regulated by the national government or central bank.<\/p>\n
Investment banking is a type of banking that manages certain portfolios. Some of these portfolios; financial asset, commodity and currency, fixed income, corporate finance, corporate consulting services for mergers and acquisitions, debt and equity writing.<\/p>\n
Commercial banks are banks that belong to groups of individuals or central banks. They can serve individuals or institutions. They are primarily concerned with receiving deposits and lending to businesses. The bank wins as the borrower pays interest on the loan it uses. Deposits deposited by customers will be used to lend to other customers as business loans, auto loans or home loans.<\/p>\n
It is a small and medium-sized bank that deals directly with consumer transactions rather than corporate or other banks.<\/p>\n
It deals with issues such as corporate banking, cash management, brokerage, financing and issuing stocks and bonds.<\/p>\n
Investment banking is a type of banking that manages certain portfolios. Some of these portfolios are; financial asset, commodity and currency, fixed income, corporate finance, corporate consultancy services for mergers and acquisitions, debt and equity writing.<\/p>\n
There are many non-bank institutions that offer financial services just like banks. Businesses, credit card companies, credit card report agencies, and credit card exporters are some of them.<\/p>\n
This type of account can be used as a savings account, but the traditional feature in savings accounts is not in those accounts. So you can’t get interest. However, you have no withdrawal restrictions.<\/p>\n
You can save your money in such accounts and also earn interest. The withdrawal amount is limited and the minimum balance in the account must be above a certain limit in order for the account to remain active.<\/p>\n
This is a new type of account. You can keep and control your money in this account. The balance on the account can be withdrawn at any time, but your chances of earning interest will be reduced. This account type does not require the least balance.<\/p>\n
In this account, you need to keep your money for a certain period of time, such as 5-7 years. You can also get your interest during this time. The state and the banks decide together the interest rates and you cannot withdraw your funded funds until the fixed period given to you expires.<\/p>\n
There are many banking applications and some of them are as follows;<\/p>\n
Internet banking is the system that enables customers to make transactions using the websites of banks or financial institutions.<\/p>\n
An electronic banking system that allows customers to handle their basic transactions.<\/p>\n
Basic banking is a service offered by any bank branch connected to the common network. Thanks to this system, the customer can withdraw money from any branch.<\/p>\n
A common database, regardless of the bank, records all information about customers with any debt to the bank and shares them with the banks when necessary.<\/p>\n
Credit management system is a system used to process credit accounts, evaluate risks and determine how much credit will be given to the customer.<\/p>\n
A money management system or process that includes investments, banking transactions, budgeting and taxes.<\/p>\n
Stock market management is a system that manages the financial portfolio such as securities and bonds.<\/p>\n
The financial management system is used to manage, record and protect the customer’s income, expenses and assets.<\/p>\n
Overdraft protection is a service offered by banks to customers. For example, if you have Money both in your deposit account and in your checking account at the bank, and if there is not enough balance in one of your accounts to process your checks or pay your loan debts; the bank can transfer money from the account which has money, to an account with insufficient funds to prevent protests from checks or to pay your bills or debts on time. This is called overdraft account protection.<\/p>\n
In our country, this service becomes active after the approval of the customer and there is no charge.<\/p>\n
Annual interest rate, is a fee that banks apply to their customers for the usage of some services such as credit, credit card, mortgage loan etc.<\/p>\n
It is the interest rate applied by the largest banks in the countries for their private customers. Customers with a good credit score are eligible for this interest rate. Variable interest rates in the bank change depending on the prime interest. For example; If the annual interest rate of a credit card is 10%, the prime interest rate will also be added to it. Assuming that the prime interest rate is 3%, the real annual interest rate will be 13%.<\/p>\n
Banka, nakit mevduat al\u0131c\u0131s\u0131 olarak kurulmu\u015f olan bir finans kurulu\u015fudur. Ticari bankalar ve yat\u0131r\u0131m bankalar\u0131 olmak \u00fczere iki t\u00fcr banka vard\u0131r. \u00c7o\u011fu \u00fclkede, bankac\u0131l\u0131k sistemleri ulusal h\u00fck\u00fcmet veya merkez bankas\u0131 taraf\u0131ndan d\u00fczenlenmektedir.<\/p>\n
Yat\u0131r\u0131m bankac\u0131l\u0131\u011f\u0131, belirli portf\u00f6yler y\u00f6neten bankac\u0131l\u0131k t\u00fcr\u00fcd\u00fcr. Bu portf\u00f6ylerden baz\u0131lar\u0131; finansal varl\u0131k, emtia ve para birimi, sabit gelir, kurumsal finansman, birle\u015fme ve devralmalar i\u00e7in kurumsal dan\u0131\u015fmanl\u0131k hizmetleri, bor\u00e7 ve \u00f6z kaynak yazmad\u0131r.<\/p>\n
Ticari bankalar, bireylerden olu\u015fan gruplara ya da merkez bankalar\u0131na ba\u011fl\u0131 bankalard\u0131r. Bireylere ya da kurumlara hizmet verebilirler. \u00d6ncelik olarak mevduat almak ve i\u015fletmelere bor\u00e7 vermekle ilgilenirler. Bor\u00e7lu, kulland\u0131\u011f\u0131 krediye faiz \u00f6dedik\u00e7e banka kazan\u0131r. M\u00fc\u015fteriler taraf\u0131ndan yat\u0131r\u0131lan mevduatlar, i\u015fletme kredisi, otomobil kredisi ya da konut kredisi olarak ba\u015fka m\u00fc\u015fterilere vermek i\u00e7in kullan\u0131lacakt\u0131r.<\/p>\n
Kurumsal veya di\u011fer bankalar yerine do\u011frudan t\u00fcketicinin i\u015flemleriyle ilgilenen k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli bir banka t\u00fcr\u00fcd\u00fcr.<\/p>\n
Kurumsal bankac\u0131l\u0131k, nakit y\u00f6netimi, arac\u0131l\u0131k, finansman ve hisse senetlerinin ve tahvillerin \u00e7\u0131kar\u0131lmas\u0131 gibi konularla ilgilenmektedir.<\/p>\n
Yat\u0131r\u0131m bankac\u0131l\u0131\u011f\u0131, belirli portf\u00f6yler y\u00f6neten bankac\u0131l\u0131k t\u00fcr\u00fcd\u00fcr. Bu portf\u00f6ylerden baz\u0131lar\u0131; finansal varl\u0131k, emtia ve para birimi, sabit gelir, kurumsal finansman, birle\u015fme ve devralmalar i\u00e7in kurumsal dan\u0131\u015fmanl\u0131k hizmetleri, bor\u00e7 ve \u00f6z kaynak yazmad\u0131r.<\/p>\n
Bankan\u0131nki gibi finansal hizmetler sunan bir\u00e7ok banka d\u0131\u015f\u0131 kurulu\u015f vard\u0131r. \u0130\u015fletmeler kredi kart\u0131 \u015firketleri, kredi kart\u0131 rapor acenteleri ve kredi kart\u0131 ihracat\u00e7\u0131lar\u0131 bunlardan baz\u0131lar\u0131d\u0131r.<\/p>\n
Bu hesap t\u00fcr\u00fc bir tasarruf hesab\u0131 olarak kullan\u0131labilir fakat tasarruf hesaplar\u0131ndaki geleneksel \u00f6zellik bu hesaplarda yoktur. Yani faiz elde edemezsiniz. Fakat para \u00e7ekme k\u0131s\u0131tlaman\u0131z bulunmamaktad\u0131r.<\/p>\n
Paran\u0131z\u0131 bu t\u00fcr hesaplarda biriktirebilir ve ayr\u0131ca faiz de kazanabilirsiniz. Para \u00e7ekme miktar\u0131 s\u0131n\u0131rl\u0131d\u0131r ve hesab\u0131n aktif kalabilmesi i\u00e7in hesaptaki en az bakiye belirli bir s\u0131n\u0131r\u0131n \u00fcst\u00fcnde olmal\u0131d\u0131r.<\/p>\n
Bu yeni bir hesap t\u00fcr\u00fcd\u00fcr. Bu hesapta paran\u0131z\u0131 tutabilir ve kontrol edebilirsiniz. Hesaptaki bakiye istendi\u011fi zaman \u00e7ekilebilir fakat faiz kazanma \u015fans\u0131n\u0131z d\u00fc\u015fm\u00fc\u015f olur. Bu hesap t\u00fcr\u00fc en az bakiyeye ihtiya\u00e7 duymaz.<\/p>\n
Bu hesapta paran\u0131z\u0131, 5-7 y\u0131l gibi belirli bir s\u00fcre tutman\u0131z gerekmektedir. Bu s\u00fcre zarf\u0131ndaki faizinizi de elde edebilirsiniz. Faiz oranlar\u0131na devlet ve bankalar birlikte karar verir ve size verilen sabit s\u00fcre sona erene kadar fonlanan paran\u0131z\u0131 \u00e7ekemezsiniz.<\/p>\n
Bir\u00e7ok bankac\u0131l\u0131k uygulamas\u0131 vard\u0131r ve bunlardan baz\u0131lar\u0131 \u015fu \u015fekildedir;<\/p>\n
\u0130nternet bankac\u0131l\u0131\u011f\u0131, m\u00fc\u015fterilerin bankalar\u0131n veya finansal kurumlar\u0131n web sitesini kullanarak i\u015flem yapmalar\u0131n\u0131 sa\u011flayan sistemdir.<\/p>\n
M\u00fc\u015fterilerin temel i\u015flemlerini halletmelerini sa\u011flayan bir elektronik bankac\u0131l\u0131k sistemidir.<\/p>\n
Temel bankac\u0131l\u0131k, ortak a\u011fa ba\u011fl\u0131 herhangi bir banka \u015fubesi taraf\u0131ndan sunulan bir hizmettir. Bu sistem sayesinde, m\u00fc\u015fteri herhangi bir \u015fubeden para \u00e7ekebilir.<\/p>\n
Ortak bir veri taban\u0131, banka fark etmeksizin, bankaya herhangi bir borcu olan m\u00fc\u015fterilere dair t\u00fcm bilgileri kaydeder ve gerekli durumlarda bunlar\u0131 bankalarla payla\u015f\u0131r.<\/p>\n
Kredi y\u00f6netim sistemi, kredi hesaplar\u0131n\u0131 i\u015flemek, riskleri de\u011ferlendirmek ve m\u00fc\u015fteriye ne kadar kredi verilece\u011fini belirlemek i\u00e7in kullan\u0131lan bir sistemdir.<\/p>\n
Yat\u0131r\u0131mlar, bankac\u0131l\u0131k, b\u00fct\u00e7eleme ve vergileri de i\u00e7inde bar\u0131nd\u0131ran bir para y\u00f6netim sistemi ya da s\u00fcrecidir.<\/p>\n
Borsa y\u00f6netimi, menkul k\u0131ymetler ve tahviller gibi finansal portf\u00f6y\u00fc y\u00f6neten bir sistemdir.<\/p>\n
Finansal y\u00f6netim sistemi: Finansal y\u00f6netim sistemi, m\u00fc\u015fterinin gelir, gider ve varl\u0131klar\u0131n\u0131 y\u00f6netmek, kay\u0131t alt\u0131na almak ve elde etti\u011fi kar\u0131 korumak i\u00e7in kullan\u0131l\u0131r.<\/p>\n
Kredili mevduat korumas\u0131, bankalar taraf\u0131ndan m\u00fc\u015fterilere sunulan bir hizmettir. \u00d6rnek verecek olursak, bankada hem vadesiz hem de vadeli hesab\u0131n\u0131z varsa ve hesaplar\u0131n\u0131zdan birinde \u00e7eklerinizi i\u015flemek ya da kredi bor\u00e7lar\u0131n\u0131z\u0131 \u00f6demek i\u00e7in yeterli bakiye yoksa; banka \u00e7eklerin protesto olmas\u0131n\u0131 \u00f6nlemek ya da fatura veya bor\u00e7lar\u0131n\u0131z\u0131n zaman\u0131nda \u00f6denmesini sa\u011flamak i\u00e7in para olan hesaptan, bakiyenin yetersiz oldu\u011fu hesaba para transfer edebilmektedir. Buna kredili mevduat hesab\u0131 korumas\u0131 denmektedir.<\/p>\n
\u00dclkemizde bu hizmet m\u00fc\u015fterinin onay\u0131ndan sonra aktif olur ve herhangi bir \u00fccret al\u0131nmaz.<\/p>\n
Bankalar\u0131n m\u00fc\u015fterilerine kredi, kredi kart\u0131, konut kredisi vb. hizmetlerini kullanmak i\u00e7in uygulad\u0131\u011f\u0131 bir \u00fccret veya faizdir. Verilen faizler y\u0131ll\u0131k olarak hesaplan\u0131r.<\/p>\n
\u00dclkelerdeki en b\u00fcy\u00fck bankalar\u0131n tercih ettikleri \u00f6zel m\u00fc\u015fterileri i\u00e7in uygulad\u0131klar\u0131 faiz oran\u0131d\u0131r. \u0130yi bir kredi puan\u0131na sahip olan m\u00fc\u015fteriler bu faiz oran\u0131ndan yararlanmaya hak kazan\u0131rlar. Bankadaki de\u011fi\u015fken faiz oranlar\u0131, ba\u015flang\u0131\u00e7 faizine ba\u011fl\u0131 olarak de\u011fi\u015fmektedir. \u00d6rne\u011fin; bir kredi kart\u0131n\u0131n y\u0131ll\u0131k faiz oran\u0131 %10 ise, buna temel faiz oran\u0131 da eklenecektir. Temel faiz oran\u0131n\u0131n da %3 oldu\u011funu varsayarsak ger\u00e7ek y\u0131ll\u0131k faiz oran\u0131 %13 olacakt\u0131r.<\/p>\n
\u0130ngilizce i\u015f m\u00fclakat\u0131na uzman e\u011fitmenlerle haz\u0131rlanmak ister misiniz? Binlerce \u00f6\u011frencimiz gibi siz de Konu\u015farak \u00d6\u011fren ile \u0130ngilizce i\u015f m\u00fclakat\u0131nda ba\u015far\u0131n\u0131z\u0131 garanti alt\u0131na alabilirsiniz.<\/p>\n
A\u015fa\u011f\u0131daki linke t\u0131klayarak \u00fccretsiz kay\u0131t olabilir, e\u011fitim dan\u0131\u015fmanlar\u0131m\u0131zdan m\u00fclakatlara haz\u0131rl\u0131k paketi hakk\u0131nda detayl\u0131 bilgi alabilirsiniz.<\/p>\n
M\u00fclakat Program\u0131 Linki:\u00a0https:\/\/www.konusarakogren.com\/mulakat-<\/a><\/p>\n