Thursday, May 21, 2020

ASSAM UNIVERSITY SYLLABUS (NON - HONS): BANKING AND INSURANCE (6th SEM - CBCS PATTERN)


B. Com: Semester VI
Paper B.C. 6.1 (b): BANKING AND INSURANCE
Internal Assessment -30
Term End Exam - 70
Marks: 100
Lectures: 65

Objectives: To impart knowledge about the basic principles of the banking and insurance
Contents
Unit 1: Introduction
Lectures 13                20
Origin of banking: definition, banker and customer relationship, General and special types of customers, Types of deposits, Origin and growth of commercial banks in India. Financial Services offered by banks, changing role of commercial banks, types of banks.
Unit 2: Cheques and Paying Banker
Lectures 13                       20
Crossing and endorsement – meaning, definitions, types and rules of crossing. Duties, Statutory protection in due course, collecting bankers: duties, statutory protection for holder in due course, Concept of negligence.
Unit 3: Banking Lending
Lectures 13            20
Principles of sound lending, Secured vs. unsecured advances, Types of advances, Advances against various securities.
Unit 4: Internet Banking
Lectures 13          20
Meaning, Benefits, Home banking, Mobile banking, Virtual banking, E-payments, ATM Card/Biometric card, Debit/Credit card, Smart card, NEFT, RTGS, ECS (credit/debit), E- money, Electronic purse, Digital cash.

Unit 5: Insurance
Lectures 13                       20
Basic concept of risk, Types of business risk, Assessment and transfer, Basic principles of utmost good faith, Indemnity, Economic function, Proximate cause, Subrogation and contribution, Types of insurance: Life and Non-life, Re-insurance, Risk and return relationship, Need for coordination. Power, functions and Role of IRDA, Online Insurance.
Suggested Readings:
1. Agarwal, O.P., Banking and Insurance, Himalaya Publishing House
2. Satyadevi, C., Financial Services Banking and Insurance, S. Chand.
3. Suneja, H.R., Practical and Law of Banking, Himalya Publishing House
4. Chabra, T.N., Elements of Banking Law, Dhanpat Rai and Sons.
5. Arthur, C and C. William Jr., Risk Management and Insurance, McGraw Hill
6. Saxena, G.S.; Legal Aspects of Banking Operations, Sultan Chand and Sons.
7. Varshney, P.N., Banking Law and Practice, Sultan Chand and Sons
8. Jyotsna Sethi and Nishwan Bhatia, Elements of Banking and Insurance, PHI Learning.
Note: Latest edition of text books may be used.

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