MEANING OF RETAIL
In finance dissertation project Retail means sale of goods in small quantities, it is apprehensive with buying of goods in small quantities from the wholesaler and selling them in small quantities to the final consumers as per their requirements. The person engaged in this trade is called the “retailer.” He acts as a link between the wholesaler and the customers. In finance dissertation retail trade of goods are sold to the ultimate consumers for personal use and for the use of the business in small quantities only. The retailer does not focus in a particular line or a particular product. Rather he maintains a big range of goods. Generally, sales are limited to a local and on a small scale.
MEANING OF BANKING
Banking has come to occupy a pivotal position in a nation’s economy. According to the modern concept, banking is a business which not only deals with borrowings, lending and remittance of funds, but also an important instrument for fostering economic growth.
The Banking Regulation Act 1949, defines the term banking as “the accepting for the purpose of lending or investment of deposits of money from the public or otherwise and withdraw able by cheque, draft, order or otherwise.” Thus, the essentials of banking are:
(1) There should be acceptance of deposited.
(2) Deposits should be from the public.
(3) Deposits should be repayable on demand or expiry of a term or after a specified period.
(4) The purpose of deposits should be lending or investment.
“Bank” is an institution, which deals in money and credit. It buys money from depositors and sells to the borrowers. It is body of persons whether incorporated or not who carry on the business of banking. A bank may define as a corporation or person which collects deposits from the public, repayable on demand and which supplies and facilitates all kinds of exchanges.
RETAIL BANKING
Retail banking means mobilizing deposit form individuals and providing loan facilities to them in the form of home loans, auto loans, credit cards, etc, is becoming popular. This used to be considered by the banks as a tough proposition because of the volume of operations involved. However, during the last couple of years or so, banks seem to have realized that the only sustainable way to increase deposits is to look at small and central class consumer retail deposit and not the price aware corporate depositors. With financial dissertation sector reforms gathering force, the banking system is facing increasing companies from non-banks and the capital market. More and more companies are tapping the capital market directly for finance. This is one of the main reasons for the banks to focus vigorously on the much ignored retail deposits. Another reason is the current liquidity the margins are 1 to 2 percent above the prime rate; in retail market, they are 3to4 percent.
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