Banking Knowledge is a fundamental discipline for anyone who wants to adequately prepare for public tenders, especially those aimed at the banking sector. This review guide will cover the main topics you need to know to be successful in your preparation.
1. National Financial System (SFN)
At the core of banking knowledge is an understanding of the National Financial System (SFN). This system is made up of several institutions and entities responsible for the functioning of the country's financial and monetary system. It is divided into four levels: the National Monetary Council (CMN), the Central Bank of Brazil (BACEN), financial institutions and users.
2. Financial Products and Services
Financial products and services are the backbone of the banking industry. They include current accounts, savings, loans, financing, investments, insurance, private pension, among others. Each of these products has its own characteristics, advantages and disadvantages, and it is essential to understand how they work in order to correctly answer the contest questions.
3. Capital Market
The capital market is a segment of the SFN where debt securities (debentures, promissory notes) and equity securities (shares) are traded. This market is fundamental for the long-term financing of companies and for creating savings for individuals and companies.
4. Credit Operations
Lending operations are an essential part of the banking industry. They include loans, financing, leasing, factoring, among others. Each of these operations has its own characteristics and rules, and it is essential to understand how they work in order to correctly answer the contest questions.
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5. Brazilian Payment System (SPB)
The Brazilian Payment System (SPB) is the set of procedures, systems and instruments that support financial transactions in the country. It is responsible for transferring funds between different economic agents, contributing to the efficiency and security of the financial system.
6. Prevention and Combat of Money Laundering
This topic is of great importance, given the crucial role that banks play in preventing and combating money laundering. Understanding applicable laws and regulations, as well as best practices for identifying and reporting suspicious activity, is essential.
7. Ethics and Professional Conduct
Finally, it is critical to have a good understanding of the standards of ethics and professional conduct in the banking industry. This includes knowing employee rights and duties, confidentiality and privacy policies, and penalties for ethical violations.
In summary, the subject of Banking Knowledge is broad and complex, but with adequate study and preparation, you can master it and increase your chances of success in public tenders. Remember that practice is the key to success, so do plenty of exercises and practice exercises to test your knowledge and identify areas that need further study.
