Los bancos son las instituciones financieras más importantes del mundo. Gracias al sistema bancario, todas las transacciones financieras posibles sin mucha molestia. Las personas pueden ahorrar su dinero en bancos, tomar préstamos y transferir fondos fácilmente a través de cuentas bancarias. Sin embargo, todos los bancos no son iguales. Según sus partes interesadas, los bancos pueden clasificarse en dos tipos. Estos son bancos del sector público y bancos del sector privado. Aunque ambos tipos de bancos ofrecen servicios similares al público, existen algunas diferencias importantes entre ellos. Echemos un vistazo más de cerca y veamos qué es el banco del sector público y cómo funciona.
¿Cómo funciona?
Los bancos del sector público son aquellos bancos donde el gobierno posee más del 50% de propiedad. Con estos bancos, el gobierno regula las pautas financieras. Debido a la propiedad del gobierno, la mayoría de los depositantes creen que su dinero está más asegurado en los bancos del sector público. Como resultado, la mayoría de los bancos del sector público tienen una gran base de clientes.
Por ejemplo, el Banco Estatal de India ( SBI ) es el mayor banco del sector público de la India. En este banco, el gobierno indio posee más del 63% de participación. Una gran parte de la acción restante también se negocia en el mercado de valores indio.
En relación con otros bancos, los empleados de los bancos del sector público disfrutan de más seguridad laboral. También disfrutan de otras ventajas como pensión después de la jubilación. Por esta razón, muchos de estos empleados son reacios a brindar su mejor servicio. Como resultado, la tasa de morosidad de préstamos es mucho mayor en los bancos del sector público. La promoción en los bancos del sector público se basa en la antigüedad, que desmotiva a muchos empleados.
La mayoría de los bancos del sector público ofrecen un servicio menos personalizado a los clientes. Como resultado, la queja del cliente debido a un servicio deficiente es muy común en los bancos del sector público. Sin embargo, los bancos del sector público ofrecen más tasas de interés al cliente. Los clientes también pueden obtener diferentes préstamos con una pequeña tasa de interés.
Ventajas de los bancos del sector público
Las múltiples ventajas están asociadas con el uso de bancos del sector público. Por esta razón, estos bancos tienen millones de clientes. Aquí hay algunas ventajas que los clientes obtienen de los bancos del sector público.
- Tasa de interés alta en depósitos
- Cargo por intereses bajos sobre préstamos
- Los empleados obtienen seguridad laboral completa
- Estos empleados también obtienen una pensión después de la jubilación
- Ofrezca servicio a una gran base de clientes
- Ofrecer su servicio a la parte rural de la nación
- Ofrecer servicio financiero a través de múltiples sucursales
Desventajas de los bancos del sector público
La mayoría de los bancos públicos de todo el mundo enfrentan múltiples desafíos. Estos desafíos también los están haciendo impopulares en público. Aquí hay algunas desventajas asociadas con los bancos del sector público.
- El gran sistema burocrático a nivel gerencial
- Incapacidad para una gran decisión financiera rápidamente
- Ofrezca un servicio menos personalizado a los clientes
- Demasiadas quejas contra los empleados por su mal servicio
- La mayoría de los bancos del sector público sufren grandes escándalos de corrupción
- Alta tasa de incumplimiento del cliente
- Los bancos del sector público gastan mucho dinero en operaciones financieras
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