| Popis: |
Due to the economic imbalance on the labor market that generates a growing unemployment rate, I consider necessary to educate young students in the spirit of financial and banking through their participation in certain stages of practice conducted by faculty especially for training and professional development. In this regard, the banking practice has implemented a virtual computer program that works according to the rules and regulations in force and which provides practitioners, both a baggage of theoretical knowledge and the possibility to accumulate a practical experience. The training process includes a stage of familiarization with the usual banking terms and concepts, with the products promoted by means of virtual banking, the registration of credits granted in the computer system, and a stage where practitioners will be assigned specific tasks of a bank worker. In the first stage the practitioners will perform all operations related to the granting, management and tracking of a credit from granting and until its full repayment after the typical transactions that take place in a real bank. The second stage involves the development of scenarios where a part of practitioners are bank employees and the others are clients of the bank. It will be presented and examined how to make an application for credit, a credit report, of the underlying documents preparation and that are parts of a credit agreement (contract of mortgage, with everything that involves, contract of pledge on movable property registered in the ELECTRONIC ARCHIVE OF REAL MOVABLE GUARANTEES). Using computer system facilitates the accumulation of theoretical and practical knowledge corresponding to the executive functions from a bank unit respectively that of front-office administrator, credit counselor for individuals and legal entities. Through the approach and presentation of the topic, this way of learning is gaining more and more ground whereas removes monotony and routine of regular courses and allows an active interaction between students and teacher. |
