BANKING LAW AND PRACTICE
Teacher
DR. RUPSA MAHAPATRA
Category
Domain Courses
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Course Name : BANKING LAW AND PRACTICE
Code(Credit) : CUBC2433 (3+1+0)
Course Objectives
- To provide the student an understanding of legal and regulatory aspects of banking.
- To make the students understand the conceptual and legal parameters including the judicial interpretation of banking law.
- To make the students aware about new emerging dimensions in banking system including e-commerce and e-banking.
Course Outcomes
- Learn to know basics of Banking in India.
- Have an understanding about basic terminologies in Banking.
- Understand about various banking products including digital products.
| COS | COURSE OUTCOMES | MAPPING COS WITH POS (High-3; Medium-2; Low-1) |
| CO1 | Learn to know basics of Banking in India.
|
PO1(3), PO2(2)
|
| CO2 | Have an understanding about basic terminologies in Banking. | PO1(3), PO3(3) |
| CO3 | Understand about various banking products including digital products. | PO1(2), PO2(1)
|
Course Syllabus
Module I:
Regulatory Framework and Compliances: Provisions of RBI Act 1935, Banking Regulation Act 1949, Prevention of Money Laundering Act, 2002, Government and RBI’s Powers Opening of New Banks and Branch Licensing
Module II:
Legal Aspects of Banking Operations: Case Laws on Responsibility of Paying and Collecting Banker Indemnities or Guarantees - Scope and Application – Obligations of a Banker - Precautions and Rights - Laws relating to Bill Finance, LC and Deferred Payments - Laws Relating to Securities - Valuation of Securities - Modes of Charging Securities-Lien, Pledge, Mortgage, Hypothecation etc. Registration of Firms/Companies - Creation of Charge and Satisfaction of Charge
Module III:
Loans and Advances: Law, Practice and Policies governing the employment of the funds in the hands of the banker with special reference to the lending banker State Policy on Loans and Advances - Priority sector advances and socioeconomic policies - Financial inclusion - Self- Employment Schemes - Women Entrepreneurs - Small Scale Industries - Agricultural Finance, Export Finance, etc. – Micro Finance - How the banker profitably uses the fund - Call loans and loans repayable at short notice - Loans and advances - Overdrafts - Legal control over bank’s deployment of funds.
Module IV:
Securities for Banker’s Loans: The legal issues involved in and the practice governing different kinds of securities for banker’s advances and loans Guarantees, pledge, lien, mortgage, charge – subject matters of collateral security Corporate Securities Documents of title to goods Land and Buildings Book debts Life Policies Factoring; Bill Discounting; Bank Guarantees; Letters of Credit; Commercial Papers.
Module V:
Electronic Banking and IT in Banks: Introduction, IT Applications in Banking- Computer-Based Information Systems for Banking; Electronic Banking; Electronic Fund Management, Enabling Technologies of Modern Banking- Electronic Commerce and Banking; Supply Chain Management; Customer Relationship Management; Integrated Communication Networks for Banks Security and Control Systems - Cybercrimes and fraud management Planning and Implementation of Information Systems
Session 38
Group discussion and Presentation of students on selected topics assigned to him.
Session 39
Doubt Clearing Class and Project work
Session 40
Project Presentation
Note: Topics are related to banks
Our Main Teachers
Dr. Mahapatra is working as an Assistant Professor (Finance) at Centurion University of Technology & Management. She holds a master’s degree in finance from Ravenshaw university. After that she did her Master in Philosophy degree (M.Phil. in Management) from Ravenshaw University. She has also completed her Ph.D. in Commerce from Ravenshaw University. She has more […]
My qualification is M.Com,LL.B,MBA,CAIIB(certified Indian Institute of Bankers). I started my career as a Lecturer in commerce (UGC PAY),appointed by DPI (HE) Odisha in 1978.I opted for Probationary officer in 1982.I started my career as a national Faculty of NIIT in 2012 imparting training to Bank officers PAN India both Retail and Corporate. I joined […]