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Nowadays, when Banking Institutions received Checks which is due on the following day, each branch has to first run through their own banking procedures in order to pass on to Head Exchange at their Bank’s Head Office and to bring to the Check Exchange Center for exchange; And when a Post-Dated Check is received, because of its Exchange Date is not due yet, each branch will then have to keep those checks by themselves for the time being until the due date. On the due date, they will then first have to release from the Main Safe Deposit by going through the procedure of Check Release from Main Safe Deposit.
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Longer hours in handling: |
Because most of the work requires manual verification and stamping, which requires more processing hours. This lowers the efficiency and competitiveness. |
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Waste of manpower: |
Today, financial products come in all categories. If bank tellers can save some time on manning general affairs and use the time instead to contact customers and introduce financial products to them, it will surely lower the staffing cost and maybe even bring profit for their financial institutions. |
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Safe Guarding of the Checks: |
Because the Post-Dated Checks needs to be safe guarded by each branch itself, It takes up the space of Main Safe Deposit of the branch. Also, when conducting all procedures on releasing or restoring checks of which is due on the next day, it creates inconveniences and work pressure for the branch as well. |
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Utilizing the limited manpower to achieve the maximum effectiveness at work is what every enterprise pursuit for. According to statistics, among all work procedures at financial institutions, the labor intensive task is the procedure of handling of Pre-Accepted Post-Dated Checks and Pre-Accepted Next Day Checks. Harmonation brought in some professional hardwares from domestic and abroad combining with the system software through its own research and development which is suitable for domestic Banking Institutions and completed “Harmonation’s Centralized Check Processing System”.
With the Centralized System of Harmonation, when a branch receives post-dated checks or checks due on the following day they would only need to simply verify key items on the check. Count the total amount and Number of checks, and through scanning of the physical checks, the program will automatically send the Image, Basic information of the Check and the Physical Check itself to the operation center for Image Processing and key-in process. After the business hours, they will then submit all the physical checks to the operation center for the remaining procedures and to safe guard them. Making use of the “Harmonation’s Centralized Check Processing System” will not only save the cost of manpower, but also simplify procedures and increase the efficiency. Through Professional Work Sorting and Centralized Processing it can enhance the competitiveness of Banking institutions.
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China Trust Financial Holding Company, TaiShin Financial Holding Company, E.Sun Financial Holding Company, Taipei Commercial Bank, HongKong and Shanghai Banking of Corporation Limited, Hsinchu Commercial Bank, Tainan Enterprise Bank, Taichung Commercial Bank, Fubon Financial Holding Company, Bank of PanHsin, Far Eastern Bank, JihShen Bank, Cosmos Bank, Fuhwa Financial Holding Company, ShinKong Financial Holding Company, First Bank Financial Holding Company, Cathay Financial Holding Company, TaChong Bank …etc.
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