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The Rise and Fall of Abacus Banking in Japan and China phần 3

Sự nổi lên của Abacus ngân hàng tại Nhật Bản Trong mùa hè năm 1997, ở giữa của cuộc khủng hoảng ngân hàng, một trong những tác giả đã cố gắng để dây tiền Hoa Kỳ thông qua một ngân hàng lớn ở Nhật Bản. Để mất tinh thần của mình, chi nhánh nhân viên đông đúc không thể xử lý việc chuyển giao dây và ông đã đến thăm một chi nhánh trung tâm thành phố, chưa kể rằng ông đã có một thời gian khó tìm một người nào đó những người có thể nói tiếng Anh. . | Chapter 2 The Rise of Abacus Banking in Japan In the summer of 1997 in the middle of the banking crisis one of the authors tried to wire money to the United States through a major bank in Japan. To his dismay the employee-crowded branch could not handle the wire transfer and he had to visit another downtown branch not to mention that he had a hard time finding someone who could speak English. But even when he arrived at the other branch things were no better. He received several greetings a box of tissues and free blood pressure monitoring services but not the core banking services he expected. In fact it was easier for the Foreign Exchange desk manager at the bank to recommend a competing bank rather than undergo the procedure of wire transferring. In the end after waiting for over an hour and after checking his blood pressure several times in the monitor across the bank counter the desk manager did him a favor. He went to an ATM machine to withdraw the cash counted the money three times one with his abacus another with an electronic calculator and a third in his PC and wired it to the United States for a hefty triple fee a currency conversion fee a wire transfer fee and the loss of ten days interest the time it took the bank to have the funds transferred . Though just a personal experience this example demonstrates how Japanese banks treat their clients and how such treatment differs from that offered by banks in other countries especially the United States. Specifically in the United States a visit to the local branch of a major 20 The Rise and Fall of Abacus Banking in Japan and China bank and a moderate fee are sufficient for wiring money overnight all over the world. But the difference between Japanese and U.S. and European banking extends beyond money-wiring procedures and fees to the ways that Japanese banking performs its fundamental functions and earns its income and the ways that government bureaucrats supervise the industry and control the behavior of .