loro account; vostro account

简明释义

国外同业存放我方帐户

英英释义

例句

1.You can find the transaction details in your vostro account (你们的账户) statement.

您可以在你们的vostro account（你们的账户）对账单中找到交易详情。

2.Please transfer the funds to the loro account (他们的账户) as per our agreement.

请根据我们的协议将资金转入loro account（他们的账户）。

3.We need to confirm the amount in the loro account (他们的账户) before making any decisions.

在做出任何决定之前，我们需要确认loro account（他们的账户）中的金额。

4.Make sure to check the balance in your vostro account (你们的账户) before proceeding.

在继续之前，请确保检查一下你们的vostro account（你们的账户）的余额。

5.The payment was successfully credited to the loro account (他们的账户) last week.

上周，付款成功记入了loro account（他们的账户）。

作文

In the world of international banking and finance, understanding the terms loro account and vostro account is crucial for both businesses and individuals engaged in cross-border transactions. These terms stem from the Latin language, where 'loro' means 'their' and 'vostro' means 'your'. In essence, these accounts represent different perspectives on the same banking relationship, which can be quite beneficial in navigating the complexities of global finance.A loro account refers to an account that a foreign bank holds in its own name but is used by a domestic bank on behalf of its clients. Essentially, it is an account held by a bank for another bank. For example, if a bank in the United States has an account with a bank in Germany, the German bank would refer to this account as a loro account. This arrangement allows the domestic bank to facilitate transactions for its clients without needing to establish a direct relationship with the foreign bank.On the other hand, a vostro account is the mirror image of a loro account. It is an account that a domestic bank holds for a foreign bank, allowing the foreign bank to manage its funds within the domestic banking system. Continuing with the previous example, the U.S. bank would consider the account it holds for the German bank as a vostro account. This type of account is essential for enabling international trade and investment, as it simplifies currency exchange and facilitates the movement of money across borders.The distinction between loro account and vostro account is vital for understanding how banks operate in a globalized economy. When a company in the U.S. wants to pay a supplier in Germany, it may use its bank to initiate a wire transfer. The U.S. bank will debit the company's account and credit the vostro account it holds for the German bank. The German bank, in turn, will credit the supplier's account using the funds from the loro account it maintains with the U.S. bank. This process illustrates the interdependence of these accounts in facilitating international transactions.Moreover, the use of loro accounts and vostro accounts can also have implications for currency risk management. Businesses engaging in international trade must be aware of the fluctuations in exchange rates and how these can affect their transactions. By utilizing these accounts effectively, companies can mitigate some of the risks associated with currency conversion and ensure smoother financial operations.In conclusion, the concepts of loro account and vostro account are fundamental to the functioning of international banking. They provide a framework for understanding how banks interact with each other across borders and enable businesses to engage in global trade with greater ease. As the world becomes increasingly interconnected, a solid grasp of these terms will empower individuals and organizations to navigate the complex landscape of international finance more effectively.

在国际银行和金融的世界中，理解术语loro account和vostro account对参与跨境交易的企业和个人至关重要。这些术语源于拉丁语，其中'loro'意为'他们'，而'vostro'意为'你的'。从本质上讲，这些账户代表了同一银行关系的不同视角，这在应对全球金融复杂性时非常有益。loro account指的是一个外国银行以其名义持有的账户，但由一家国内银行代表其客户使用。实质上，它是一个银行为另一个银行持有的账户。例如，如果美国的一家银行在德国有一个账户，那么德国银行会将该账户称为loro account。这种安排使得国内银行能够为其客户促进交易，而无需与外国银行建立直接关系。另一方面，vostro account是loro account的镜像。它是国内银行为外国银行持有的账户，使外国银行能够在国内银行系统内管理其资金。继续之前的例子，美国银行会将其为德国银行持有的账户视为vostro account。这种类型的账户对于促进国际贸易和投资至关重要，因为它简化了货币兑换并便利了资金的跨境流动。loro account和vostro account之间的区别对于理解银行在全球化经济中的运作至关重要。当美国的一家公司想要支付给德国的供应商时，它可能会利用其银行发起电汇。美国银行将从公司的账户中扣款，并将其信用到它为德国银行持有的vostro account。德国银行随后将使用来自loro account的资金给供应商的账户进行信用。这一过程说明了这些账户在促进国际交易中的相互依赖性。此外，使用loro accounts和vostro accounts也可能对货币风险管理产生影响。参与国际贸易的企业必须意识到汇率波动及其对交易的影响。通过有效利用这些账户，公司可以减轻与货币转换相关的一些风险，并确保更顺畅的财务操作。总之，loro account和vostro account的概念是国际银行运作的基础。它们提供了一个框架，以理解银行如何在跨境互动，并使企业能够更轻松地参与全球贸易。随着世界日益互联，对这些术语的扎实掌握将使个人和组织能够更有效地应对国际金融的复杂格局。