Excerpt from The Business Man and His Bank
The man who stands before the counter screen of a bank looks at a piece of complicated yet smooth working machinery that is to him a deep mystery. He admires but does not understand it. He knows that the receiving teller takes his deposit and the paying teller cashes his check. When he makes a loan he gets the use of the funds, how he does not know. He does not understand the bank processes any more than the average man understands the mechanism of his automobile. He knows its functions and that is enough. Only when it ceases to work smoothly does he appreciate how delicate is the machine that serves him.
Heretofore all writers on banking have treated the subject from within, for the information of the bank clerk Sand the student of banking. It is the writer"s aim to treat the bank from without; to show how it touches the interests of the business man and get the point of contact from the customer"s viewpoint. In discussing the subject of credit, for instance, I have tried to show what the applicant for credit should bring to the bank, rather than what the bank man should require.
It is a composite picture of banking as it has impressed itself upon the writer after many years of experience, first in mutual savings banks, then in national banks and lastly in a state bank under the able supervision of New York State. If credit is due any one it is to the publisher for suggesting that such a work would be acceptable to the business man.
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