joint-stock bank (JSB)

简明释义

股份银行

英英释义

例句

1.Many investors prefer to deposit their money in a joint-stock bank (JSB) due to its stability.

由于其稳定性，许多投资者更愿意将资金存入股份制银行 (JSB)。

2.The joint-stock bank (JSB) announced a new loan product aimed at small businesses.

股份制银行 (JSB)宣布推出一款针对小型企业的新贷款产品。

3.Investing in a joint-stock bank (JSB) can yield good returns if managed properly.

如果管理得当，投资于股份制银行 (JSB)可以获得良好的回报。

4.The joint-stock bank (JSB) has branches in multiple cities, making it easily accessible.

股份制银行 (JSB)在多个城市设有分支机构，方便客户访问。

5.The joint-stock bank (JSB) provides various financial services to its shareholders.

这家股份制银行 (JSB)为其股东提供各种金融服务。

作文

In the world of finance, various types of banking institutions serve different purposes and functions. One such institution is the joint-stock bank (JSB), which plays a crucial role in the banking sector. A joint-stock bank (JSB) is a type of bank that is owned by shareholders who invest capital in the bank in exchange for shares. This structure allows the bank to raise significant amounts of capital while distributing the financial risk among multiple investors. The concept of a joint-stock bank (JSB) originated in the 17th century and has evolved over time to become a fundamental part of modern banking systems.The primary advantage of a joint-stock bank (JSB) is its ability to mobilize large sums of money, which can be used for lending, investments, and other financial services. By pooling resources from numerous shareholders, these banks can offer loans to individuals and businesses at competitive interest rates. This not only stimulates economic growth but also provides essential financial services to the community. For example, small businesses often rely on joint-stock banks (JSB) for financing their operations and expansion plans.Moreover, joint-stock banks (JSB) are typically more stable than other types of banks due to their diversified ownership structure. When a bank is owned by many shareholders, the risk is distributed, making it less susceptible to failure compared to a privately-owned bank. This stability is crucial during economic downturns when banks may face increased default rates on loans. The presence of a joint-stock bank (JSB) in the market can instill confidence among depositors and investors, contributing to overall financial stability.Another important aspect of joint-stock banks (JSB) is their governance structure. These banks are usually managed by a board of directors elected by the shareholders. This democratic approach to governance ensures that the interests of shareholders are represented, and it encourages transparency and accountability within the organization. Shareholders have the right to vote on key decisions, such as mergers, acquisitions, and changes in management, which empowers them and aligns the bank's operations with their expectations.However, joint-stock banks (JSB) also face challenges. One significant issue is the pressure to deliver short-term profits to shareholders, which can sometimes lead to risky lending practices or insufficient investment in long-term growth strategies. Additionally, the global financial crisis of 2008 highlighted the vulnerabilities of joint-stock banks (JSB) when many faced severe losses due to exposure to toxic assets. As a result, regulatory frameworks have been strengthened to ensure that these banks maintain adequate capital reserves and adhere to prudent lending practices.In conclusion, joint-stock banks (JSB) are an integral part of the financial landscape, providing essential services that drive economic growth and stability. Their ability to raise capital through shareholder investments, coupled with a democratic governance structure, positions them uniquely in the banking sector. While they face challenges, the benefits they offer to individuals and businesses cannot be understated. Understanding the role of a joint-stock bank (JSB) is vital for anyone interested in finance or economics, as these institutions continue to shape the way we conduct financial transactions and manage our economic resources.

在金融世界中，各种类型的银行机构服务于不同的目的和功能。其中一种机构是股份制银行（JSB），它在银行业中发挥着至关重要的作用。股份制银行（JSB）是一种由股东拥有的银行，股东通过投资资本获得股份。这种结构使银行能够筹集大量资金，同时将财务风险分散给多个投资者。股份制银行（JSB）的概念起源于17世纪，并随着时间的推移发展成为现代银行系统的基本组成部分。股份制银行（JSB）的主要优势在于其动员大量资金的能力，这些资金可用于贷款、投资和其他金融服务。通过从众多股东那里汇集资源，这些银行可以以具有竞争力的利率向个人和企业提供贷款。这不仅刺激了经济增长，还为社区提供了必要的金融服务。例如，小型企业通常依赖于股份制银行（JSB）为其运营和扩展计划提供融资。此外，股份制银行（JSB）通常比其他类型的银行更稳定，因为它们的所有权结构是多样化的。当一家银行由许多股东拥有时，风险就会被分散，使其在面对贷款违约率上升的经济低迷期时不那么容易失败。这种稳定性在经济衰退期间至关重要，当时银行可能面临贷款违约率上升的问题。市场上有股份制银行（JSB）的存在可以增强存款人和投资者的信心，从而有助于整体金融稳定。股份制银行（JSB）的另一个重要方面是其治理结构。这些银行通常由股东选举产生的董事会管理。这种民主的治理方式确保了股东的利益得到代表，并鼓励组织内部的透明度和问责制。股东有权对关键决策进行投票，例如合并、收购和管理层变更，这赋予了他们权力，并使银行的运营与他们的期望保持一致。然而，股份制银行（JSB）也面临挑战。一个重大问题是向股东交付短期利润的压力，这有时会导致冒险的贷款行为或对长期增长战略的投资不足。此外，2008年的全球金融危机突显了股份制银行（JSB）的脆弱性，因为许多银行因暴露于有毒资产而面临严重损失。因此，监管框架得到了加强，以确保这些银行保持足够的资本储备，并遵循审慎的贷款实践。总之，股份制银行（JSB）是金融领域不可或缺的一部分，提供推动经济增长和稳定的基本服务。它们通过股东投资筹集资金的能力，加上民主治理结构，使它们在银行部门中独树一帜。尽管面临挑战，但它们为个人和企业提供的好处不可小觑。理解股份制银行（JSB）的角色对于任何对金融或经济感兴趣的人来说都是至关重要的，因为这些机构继续塑造我们进行金融交易和管理经济资源的方式。