joint-stock bank

简明释义

合资银行

英英释义

例句

1.The merger of two joint-stock banks created one of the largest financial institutions in the region.

两家股份制银行的合并创造了该地区最大的金融机构之一。

2.The joint-stock bank plays a crucial role in the economy by providing loans to businesses.

这家股份制银行在经济中发挥着重要作用，为企业提供贷款。

3.Many investors prefer to put their money in a joint-stock bank due to its stability.

许多投资者更愿意将资金存入股份制银行，因为它的稳定性。

4.A joint-stock bank is owned by shareholders who invest in the bank's capital.

一家股份制银行由投资于银行资本的股东拥有。

5.The government regulates joint-stock banks to ensure they operate fairly and transparently.

政府对股份制银行进行监管，以确保它们公平透明地运营。

作文

In the modern financial world, various types of banking institutions play crucial roles in economic development and stability. One such institution is the joint-stock bank, which has a unique structure that distinguishes it from other types of banks. A joint-stock bank is a financial entity owned by shareholders who invest capital in the bank and, in return, receive dividends based on the bank's profits. This system allows for greater mobilization of resources and provides a mechanism for raising large amounts of capital to fund various projects and initiatives.The concept of a joint-stock bank originated in the late 18th century, during a time when the need for more substantial financial support for industrial ventures became apparent. Traditional banking systems at that time were often limited in their capacity to provide loans and credit. The formation of joint-stock banks allowed multiple investors to pool their resources, thereby increasing the amount of capital available for lending.One significant advantage of a joint-stock bank is its ability to spread risk among a larger group of investors. If a bank encounters financial difficulties, the losses are shared among all shareholders, which reduces the burden on any single investor. This feature not only encourages investment but also enhances the stability of the financial system as a whole. Furthermore, because shareholders have a vested interest in the bank's performance, they are likely to be more engaged in ensuring that the bank operates efficiently and responsibly.Another important aspect of joint-stock banks is their capacity to adapt to changing economic conditions. Since these banks can raise funds through the sale of shares, they can quickly respond to shifts in the market or changes in regulatory environments. This flexibility makes them particularly well-suited to navigate the complexities of modern finance.Despite their advantages, joint-stock banks also face challenges. The need to generate profits for shareholders can sometimes lead to short-term decision-making that may not align with the long-term interests of customers or the broader economy. Additionally, the presence of numerous shareholders can complicate governance and decision-making processes, as differing interests and opinions may arise.In conclusion, the joint-stock bank plays a vital role in the financial landscape by providing essential services such as lending, investment, and financial management. Its structure allows for the pooling of resources, spreading of risk, and adaptability to market changes. However, the challenges it faces remind us of the importance of maintaining a balance between profit generation and responsible banking practices. As we move further into an era defined by technological advancements and evolving economic dynamics, the role of joint-stock banks will undoubtedly continue to evolve, shaping the future of finance and investment opportunities for individuals and businesses alike.

在现代金融世界中，各种类型的银行机构在经济发展和稳定中发挥着至关重要的作用。其中一个这样的机构就是股份制银行，它具有独特的结构，使其与其他类型的银行区分开来。股份制银行是一种由股东拥有的金融实体，股东向银行投资资本，并因此根据银行的利润获得分红。这种制度允许更大规模的资源动员，并为筹集大量资金以支持各种项目和倡议提供了机制。股份制银行的概念起源于18世纪末，当时对工业投资的更大金融支持的需求变得显而易见。在那个时候，传统的银行系统往往在提供贷款和信贷方面受到限制。股份制银行的形成使多个投资者能够汇集资源，从而增加可用于放贷的资本量。股份制银行的一大优势是能够将风险分散到更大范围的投资者之间。如果一家银行遭遇财务困难，损失将在所有股东之间分担，从而减少任何单一投资者的负担。这一特性不仅鼓励投资，而且增强了整个金融系统的稳定性。此外，由于股东对银行的业绩有直接利益，他们更有可能积极参与确保银行高效、负责任地运营。股份制银行的另一个重要方面是其适应变化经济条件的能力。由于这些银行可以通过出售股份来筹集资金，因此它们可以迅速响应市场变化或监管环境的变化。这种灵活性使它们特别适合于应对现代金融的复杂性。尽管有其优势，股份制银行也面临挑战。为了给股东创造利润的需要，有时可能会导致短期决策，这些决策可能与客户或更广泛经济的长期利益不一致。此外，众多股东的存在可能会使治理和决策过程复杂化，因为可能会出现不同的利益和意见。总之，股份制银行通过提供贷款、投资和财务管理等基本服务，在金融领域中发挥着重要作用。其结构允许资源的汇聚、风险的分散以及对市场变化的适应。然而，它所面临的挑战提醒我们在盈利生成与负责任的银行实践之间保持平衡的重要性。随着我们进一步进入一个以技术进步和经济动态演变为特征的时代，股份制银行的角色无疑将继续演变，塑造个人和企业未来的金融和投资机会。