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Cuscal Limited is an Australian Authorised Deposit-taking Institution (ADI) that predominately provides transactional banking, liquidity and capital management services and products to institutional customers including credit unions, mutual banking societies businesses and superannuation funds. Cuscal is a member of EFTPOS Payments Australia and the Australian Payments Clearing Association and is governed by the Australian Prudential Regulation Authority (APRA) and Australian Securities and Investments Commission (ASIC). Cuscal was established in 1992 as the Credit Union Services Corporation Limited and became Credit Union Services Corporation (Australia) Limited before changing its name to simply Cuscal in December 2005.〔(【引用サイトリンク】title=National Names Index )〕 Cuscal replaced the state based credit union bodies, which had been in operation since 1956. Cuscal was incorporated as a Special Service Provider (SSP) under the financial institutions scheme. It assumed a role of providing liquidity and balance sheet support, in addition to aggregated access to money markets, to the mutual banking industry through its treasury function. In 1994, Cuscal released the Credit Union Code of Practice. Until the Credit Union Industry Association (CUIA) and the Australia Association of Permanent Building Societies (AAPBS) merged to form a new joint industry association in 2006, the Association of Building Societies and Credit Unions (Abacus – Australian Mutuals), Cuscal also assumed the role of a trade association for Australian credit unions and co-operatives. Cuscal was downgraded by ratings agency Standard & Poor's from a rating of AA-/Stable/A-1+ to A+/Stable/A-1 in 2011. == Services == Cuscal's services include: * Electronic and paper payment processing including EFTPOS, direct entry, BPAY and member and corporate chequing; * Card products (including rediCARD debit and Visa debit and credit cards) * Ownership and management of the rediATM network * Specialised credit union finance facilities * Network communication services * Development of payments infrastructure * Velocity Global Wallet prepaid Visa product Treasury Services: * Mortgage securitisation services * Liquidity management and settlement services * Fixed interest / debt securities: Commonwealth bonds, Semi-government bonds, Corporate bonds, Commercial paper, Asset-backed securities * Interest rate derivatives: Fixed rate bills, Fixed rate agreements, Interest rate swaps * Financing products including standby letters of credit and guarantees * Bilateral loan facilities * Tradeable security brokerage services * Market and liquidity risk management advisory services * Fixed income portfolio management services 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Cuscal」の詳細全文を読む スポンサード リンク
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