1974-12-02 — Page 23

REFERENCE LIBRARY

文

國際義工會公開討論

日二月二十年四七九一曆公年三十六國民華岳

相切磋意見。與八十八

國際研討會之參與者王

國本有粉都辦

與機 給消

與使後

地際準

气性

與公

作甚多貢獻 ...四國教育界人士均爲大學生對社區能,

辦之國際研討會 玫瑰离小學五年級楊森迪。(坤 :「港紙)在本擞:「送文盃」得獎者國語詩詞流業總决賽冠

學校教育與社會服務

【學校,在朗誦時之吝忱神慈。(本報攝)

·獲得兩項英詩集誦蒩賽冠軍之藍田聖保

馬菲。(本報攝 評判,左起,她媽,基芝、韋康,賓納及影美

·在堅道明愛中心進行英語朗誦集决表之三位

> 真三第張六第 日九十月十年寅甲腦蒙

有教僑華

1975

中學會考專欄

堅復書院主編、

經濟及公共事務科

(三):

ECONOMIC AND PUBLIC AFFAIRS. (#3) ozeetion: (2) why ac you think the

Banking Ordinance 1964 is vitally important to our Banking system? Answer The banking crisis of 1965 1s an eloquent proof of the need fore greater enforcement of an effective system of laws regdating the existing sanwing. practices in. Hong Kong Like many commercial practices, banking requires constant supervision over the way it functions and influences the " business activities in the Colorry, A sound: banweing system can staby- lize the economic structure of the country and stimulate its economid

growth. Should it fail to fure tiox

and relieblyy an economic throughout the country is

insvitable.

All hárks in Hong Kong are

goverimson gives the

by the Banking.

1.964

Secretary lie power to instruct the Banking Commissioner at any time to make an on-the-spot

igation.01 any bank suspected":

2.

this Ordinance.

If, in the opinion of the

Secretary, the situation has

deteriorated such se was in the case of the Ning Tak Bank on January 24 th 1963, and should therefore be taken over by the Banking Commissioner in the interests of the banks customers, the Financial Secretary: can act right.

away.

Any banke run da deterrent to the business community of the country.

The Banking Ordinance,

ce: 1964 exists, Among other things, to empower the Government through the Financial Secretary,

whose instructions are

acted upon by the Banking Com-⠀ „missioner, to take stepa to prevent

Such a situation from happening, and if it does, from developing to a state in which the entire banking community is adversely affected.

It is very easyy and very tempting too, for a bank to abuse the money of its customers: whd have opened.savings.

deposit accounte am with the bank.

." The intemal ad-

minstration of a tank should

function at all times within the capecified conditions of the Ordin

pance. The Banking Commissioner has the right and the power to -.

inspect the way a bank qurries. OUT ite day-to-day operatiope, so that at any time, he knows when a bank is using the customers' deposits Wrongly.

WAH KIU YAT PO

The Banking Ordinance, 1964 state

that a bank is not permitted to

This

Lend more than 25% of its capitay. and reserves to any one customer, firm, corporation or company. measure is to prevent any possible. loss of the loan should inflation. ooour.

A bank conducts business on its.

owri in a variety of ways in emer to expand its activities as well as facilities for the customers.. Among the various ways of acquiring

.quick. returns for ite money is by

It

investing its money in real estate.

must be borne in mind that the money. the bank uses is not the bank's but the cust

stomers

should the real estate-decline the" investment is lost. To prevent this from happening the Ordinance. hes Limited the bance investment in real estate to. 25% of its and reserves.

is no telling when:a.

customer will return to the bank to withdraw his deposit. Should he fail to get his money from the bank, rumours may quickly cimulate: around that the park is abusing * the customers' deposits, and when every customer takes flight, a bank run will result. The

Ordinance specifies that a bank

ehati always maintain a minimum of 25% of its deposit liabilities in liquid assets.

Finally, every bank must show:

ite financial, situation at the end of each calendar month and every

three months, by submitting a bank statement to the, Financial: Secretary. In this way. the Goverment can be regularly kept. informed of the true financial state of each bank..

The foregoing paragraphs clearly. show that if not for the oxiatende

3.964,

of the Banking Ordinance ntion.

bank's would be allowed to.

in their individual ways and the Government would have no power to standardize banking practices as well as to check for any irregu- larities that might have arisen from a chank's maladminiatution of îta affairs.

This Ordinance is, in fact, a preventive measure against any banking orisis that might ariss

2 bank rUKS

Question for next week

(3) What do you consider to be

the most important qualities of a civil servant?

之

寬

央

塞

院

發習問們區事 大耐

展在融該作質感

者員會把出上是格

||學生數盡力,共

一哭,大專院校之講師和

侯去發展自己的人格,

| |面對社會各種問題和磅| 研討會等

「携程除檢討過往一年之一席。.

。

芝湖區年會乃屬一

小席飾,士店

:作的學課證

- 2 DEC 1974

報日僑業 CITY HALI.

能是由人事、社會、心

列此樣業自」

『爲大來有對材

謝知之同育之眼

區參與經驗之學生能把

·自退時不踝務献師來生。

我更磁程到。媵,的能

能之服,像心可麽辦

*每超學館于其车按代能 加國洲墨九 1年常將務主利會國表、如 區東 生日 親 生號用 本學兩 保税加餸 至本會店 會族系 五洲

亞港經T

接活故·村學 搞生 政商

梁劃,組實生康織 性學

。及各證宴上,

運主堂

人會禮事

新港顧威東

出使間景酒五

管理擘一時尅門警

健康 商:

亞洲會照國均派代表參加下

月五日開幕

此看來,社會服務現與國際機濟廣商事學生協會

社會之發展有著一種

基於不可迴避之浪我查

港分會舉行年會 巴達

一宓單,E煜的本質很可能「出之湖電腦化 「不只限於技術上的那麼阿洲區有創,面攝之理遊戲及研討會,名爲

·表意見,其大綱:

星之影啊,12腦軍素动撤力讓泰校中四學生狐萬霖、坤 「香港筆會盡」得獎者粤语数文獨誦耱决赛

開联禮定十二月五

1 印度、泰園、尼伯爾及

「應有之正確態度,盡 卅長人格之&

月,英國之教育界人士就 一係方面作 公開幹談論。 ,將會培琤學生對社區

學校教育與社會服務開 一季换敎育透過社區參與

日之公開討論,來自 總括來說:等均爲

(坤 西新局總理聯誼素第一中學中大連文署 「起低艾普博士葆∫有乘清粤香芹桐道舫

使

社區與教育得到平衡的

道贺一番,他獲得「英賾文化協會盃」。(本報飽藏賞《本報記者淸》 評判商英詩獨業中學决島冠軍菲文。艾爾莎娜·联殼(小學,母親及親友正向 女孩英文啪男,女子甜耱决安冠

都皇·聲麗·品

冠金·華六·約紐

聲凱馨意

寶藍

17 K 847015 H. 76872]

▶| 映箱場五天气

映献天三後

場五天

蜜飄出現

要互馊理新景廠片數影還成北

片事故爭取放解

攝四配題。堤三后皇

貝陳

小

玉四橋鳳:蒂盤

發現色彩

牛牛 馬生

北

南

林

正正正融:正九半

後三山馬

戰征

獎金度白

和 父教

會唱演善慈拉加孟

泰和少

客龍|

跳

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平江局苗

康保管風包

主演

囘起:點十早皇 生死半二场后

宜

快解院兩期 至殺屠話

金帝食菜瞿斷琴樓紅韩期下

舞色飛眉到睇證保

敦倫

珠明

好亞葳 荷 娛翡 景洲金活李

京英·峥虛華·都新

吉Î場四⁑聚天今|

二用、11時放四今

縣道載碑口

專嚭影。道歡碍口

網天罐

劉胡程林佟樊羅

準值

梅

午剛圖林生烈 出欲之呼物人事故

史賓莎德利西到

瘋狂世界 门

㙻在午加活李荷柴漪

京英頓盛華都 映献今映天今映天今

繇情色似 咯片龑似映天今

·長出租比儅招

點點

演樂團室

三個綁匪

四事勒索

琪錦 岡

胡程:林佟樊羅被

偉梅 擄案

圖林生烈...

[宗奇案,

天 片 金大七 網

和少

尙林

否翻案奇的會社動轟

雲頓盛華驗都新

看偷偷

演頓精控林,維斯陶 騒風置兒娅姑鸻|恋量够仔

刀士武鬥决麻太」

女

行

天網

太田北民

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江珠·光新·慶普

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**

!!

●映場五後最

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五今爆昨四今

片豆黑吃黑司公斯離戴

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耳灣多出纓現: 片兼色品司片代

·片故戰解銀色行方

張緊怖恐雜七

:觀冶情色參

巨排激武正 片門烈術泉

牛伞 馬生

吃王

映献天明

黑魚霸

教眞

父假

DIRTY

1火燮 合水

樂快

映放天今| 映仍天今

華文·華豪

國際體

Z真会 場五今滿狂

H 702412

血獎

K 678091

夜今

● 多無期映

安全

计三利用功武品出一

金貝林

尙林

和少 魔女

片豆怖恐頂絕品出利盤:

榮志青鮮

ㄓ:

宜不意见来者胆有

臣朗布文理香

今殺店

葛治

【佐治

色遊

尼斯暴车 主杜。素 波安馬波

作卽獎獲

博輔盧卡片觀大

半生

和少

戰北征南

尙林

魔女

回玉

金貝祐陳

玉蒂”

李溫金質藕 主道梆燕志 演供媚珍榮彎

主姐康媽

CEO)

雲夫氣澍:塔联合

映場正天换

片巨 艾期下

手殺靂霹