loro account; vostro account

简明释义

来帐［国际汇兑］

英英释义

Loro account refers to a type of account held by a bank on behalf of another bank, typically used for international transactions. It allows the bank to manage funds and facilitate payments for its correspondent banking relationships.

Loro账户是指由一家银行代表另一家银行持有的一种账户，通常用于国际交易。它允许银行管理资金并促进其对应银行关系的支付。

Vostro account is an account held by a foreign bank in the domestic currency of the country where the account is maintained, allowing the foreign bank to hold deposits and conduct transactions in that country's currency.

Vostro账户是指外国银行在账户所在国家的本币中持有的账户，使外国银行能够以该国货币持有存款和进行交易。

例句

1.The payment will be credited to the loro account (他们的账户) within three business days.

付款将在三个工作日内记入loro account (他们的账户)。

2.Make sure to include the reference number when transferring to the loro account (他们的账户).

转账到loro account (他们的账户) 时，请确保包含参考号码。

3.We need to verify the details of the vostro account (我们的账户) before processing the transaction.

我们需要在处理交易之前核实vostro account (我们的账户) 的详细信息。

4.You can find the balance of your vostro account (我们的账户) in the online banking portal.

您可以在网上银行门户中找到您vostro account (我们的账户) 的余额。

5.Please transfer the funds to the loro account (他们的账户) as specified in the invoice.

请按照发票上的说明将资金转入loro account (他们的账户)。

作文

In the world of banking and finance, understanding terms related to accounts is crucial for both individuals and businesses. One such pair of terms that often come up in discussions about international transactions and foreign exchange is loro account and vostro account. To grasp their significance, we need to delve deeper into what these terms mean and how they are used in banking operations. A loro account is essentially an account that a bank holds on behalf of another bank. This term originates from the Italian word 'loro', which translates to 'their' in English. When one bank opens a loro account with another bank, it allows the first bank to hold funds for its customers in a foreign currency. This is particularly useful in facilitating international trade and transactions, as it helps streamline the process of sending and receiving payments across borders. For instance, if a bank in the United States has a loro account with a bank in Europe, it can manage its clients' transactions in euros without needing to convert every dollar to euros each time a transaction occurs.On the other hand, a vostro account refers to an account that a foreign bank holds in the local currency of the domestic bank. The term 'vostro' comes from the Italian word meaning 'your'. In this context, when a foreign bank opens a vostro account with a domestic bank, it allows the foreign bank to hold funds in the local currency. This arrangement is beneficial for foreign banks because it enables them to conduct business more efficiently within the domestic market. For example, if a bank from Japan establishes a vostro account with a bank in the United States, it can facilitate transactions in US dollars, making it easier for Japanese companies to engage in trade with American businesses.The relationship between loro account and vostro account is fundamental in the realm of international banking. They are two sides of the same coin, where one bank's loro account is another bank's vostro account. Understanding this connection is vital for professionals in finance and banking, as it impacts how money flows between countries and how transactions are processed.Moreover, the implications of these accounts extend beyond mere definitions. They play a significant role in managing liquidity, reducing transaction costs, and mitigating risks associated with currency fluctuations. Banks use loro accounts and vostro accounts to ensure that they have access to the necessary funds in various currencies, allowing them to operate smoothly in a globalized economy.In conclusion, the terms loro account and vostro account are integral components of international banking. By understanding these concepts, individuals and businesses can better navigate the complexities of cross-border transactions. As the world becomes increasingly interconnected, having a solid grasp of financial terminologies like these will undoubtedly enhance one’s ability to engage in global commerce effectively. Thus, whether you are a seasoned banker or a novice entering the field, familiarizing yourself with loro accounts and vostro accounts is essential for success in the financial landscape.

在银行和金融的世界中，理解与账户相关的术语对个人和企业都至关重要。其中一个常常在国际交易和外汇讨论中出现的术语对是loro account和vostro account。要掌握它们的意义，我们需要深入了解这些术语的含义以及它们在银行业务中的使用。loro account本质上是银行代表另一家银行持有的账户。这个术语源自意大利语单词'loro'，在英语中翻译为'their'。当一家银行在另一家银行开设loro account时，它允许第一家银行为其客户以外币持有资金。这在促进国际贸易和交易方面尤其有用，因为它有助于简化跨境发送和接收付款的过程。例如，如果一家美国银行在欧洲有一个loro account，它可以管理客户的欧元交易，而无需每次交易发生时将美元兑换成欧元。另一方面，vostro account指的是外国银行在本地银行以本地货币持有的账户。术语'vostro'来自意大利语，意思是'your'。在这种情况下，当一家外国银行在国内银行开设vostro account时，它允许外国银行以本地货币持有资金。这种安排对外国银行是有利的，因为它使他们能够在国内市场内更高效地开展业务。例如，如果一家日本银行在美国的银行建立了vostro account，它可以以美元促进交易，使日本公司更容易与美国企业进行贸易。loro account和vostro account之间的关系在国际银行领域是基础性的。它们是同一枚硬币的两面，一家银行的loro account就是另一家银行的vostro account。理解这一联系对于金融和银行专业人士至关重要，因为它影响着资金在国家之间的流动以及交易的处理。此外，这些账户的影响超出了简单的定义。它们在管理流动性、降低交易成本和减轻与货币波动相关的风险方面发挥着重要作用。银行利用loro accounts和vostro accounts确保它们可以获得各种货币所需的资金，使它们能够在全球化经济中顺利运作。总之，loro account和vostro account是国际银行业务的重要组成部分。通过理解这些概念，个人和企业可以更好地驾驭跨境交易的复杂性。随着世界日益互联，对这些金融术语的扎实掌握无疑会增强人们有效参与全球商业的能力。因此，无论您是一位经验丰富的银行家还是一位进入该领域的新手，熟悉loro accounts和vostro accounts对在金融领域取得成功至关重要。