licenced deposit takers

简明释义

特许收储机构

英英释义

例句

1.The government regulates licenced deposit takers to protect consumers.

政府对持牌存款接受机构进行监管以保护消费者。

2.Many licenced deposit takers offer competitive interest rates on savings accounts.

许多持牌存款接受机构提供具有竞争力的储蓄账户利率。

3.Before investing, ensure that the bank is a licenced deposit taker.

在投资之前，确保银行是持牌存款接受机构。

4.Only licenced deposit takers can accept deposits from the public.

只有持牌存款接受机构才能接受公众的存款。

5.It's important to verify if a financial institution is a licenced deposit taker before opening an account.

在开设账户之前，确认金融机构是否为持牌存款接受机构是很重要的。

作文

In the financial landscape, the term licenced deposit takers refers to institutions that are authorized to accept deposits from the public. These entities play a crucial role in the banking and financial system, providing a safe place for individuals and businesses to store their money while also offering various financial services. The concept of licenced deposit takers is essential for understanding how the banking industry operates and how it contributes to economic stability.When we think about licenced deposit takers, we often picture banks or credit unions. These institutions are regulated by government authorities to ensure they adhere to specific standards and practices aimed at protecting consumers. For instance, in many countries, licenced deposit takers must comply with strict capital requirements and undergo regular audits to maintain their licenses. This regulatory framework is designed to instill confidence in the financial system, assuring depositors that their funds are secure.One of the primary functions of licenced deposit takers is to provide a platform for individuals and businesses to save money. By accepting deposits, these institutions can offer interest on savings accounts, which incentivizes people to save rather than spend. This process not only helps individuals build wealth but also contributes to the overall liquidity in the economy. The money deposited in these institutions can then be lent out to borrowers, facilitating investment and spending in various sectors.Moreover, licenced deposit takers are integral in the payment system. They provide checking accounts, debit cards, and online banking services that enable customers to manage their finances effectively. This accessibility to banking services is vital for both personal finance management and business operations. Without licenced deposit takers, many individuals would struggle to conduct everyday transactions or access credit when needed.The importance of licenced deposit takers became particularly evident during financial crises. For example, during the 2008 global financial crisis, many licenced deposit takers faced severe challenges due to risky lending practices and inadequate regulation. However, those that adhered to sound banking principles and maintained strong capital reserves were able to weather the storm. This highlighted the significance of having robust and well-regulated licenced deposit takers in any economy.In conclusion, licenced deposit takers are fundamental components of the financial system. They not only provide a safe environment for individuals to deposit their money but also facilitate economic growth through lending and investment. Understanding the role of licenced deposit takers helps us appreciate the complexities of the banking sector and the importance of regulatory oversight in maintaining financial stability. As consumers, being aware of the institutions we rely on for our financial needs empowers us to make informed decisions and fosters trust in the financial system as a whole.

在金融领域，术语licenced deposit takers指的是被授权接受公众存款的机构。这些实体在银行和金融系统中发挥着至关重要的作用，为个人和企业提供一个安全的地方来存放他们的资金，同时也提供各种金融服务。理解licenced deposit takers的概念对于了解银行业如何运作以及如何促进经济稳定至关重要。当我们想到licenced deposit takers时，通常会想到银行或信用合作社。这些机构受到政府当局的监管，以确保它们遵循特定的标准和实践，旨在保护消费者。例如，在许多国家，licenced deposit takers必须遵守严格的资本要求，并定期接受审计以维持其执照。这种监管框架旨在增强公众对金融系统的信心，确保储户的资金是安全的。licenced deposit takers的主要功能之一是为个人和企业提供一个储蓄资金的平台。通过接受存款，这些机构可以提供储蓄账户的利息，从而激励人们储蓄而不是消费。这个过程不仅帮助个人积累财富，还促进了经济整体流动性。这些存入这些机构的钱随后可以借给借款人，促进各个行业的投资和消费。此外，licenced deposit takers在支付系统中也是不可或缺的。它们提供支票账户、借记卡和在线银行服务，使客户能够有效地管理自己的财务。对银行服务的这种可获得性对个人财务管理和商业运营至关重要。如果没有licenced deposit takers，许多人将难以进行日常交易或在需要时获得信贷。licenced deposit takers的重要性在金融危机期间尤为明显。例如，在2008年的全球金融危机中，许多licenced deposit takers由于冒险的贷款行为和不充分的监管而面临严重挑战。然而，那些遵循稳健银行原则并保持强大资本储备的机构能够渡过难关。这突显了在任何经济体中拥有强大且受监管的licenced deposit takers的重要性。总之，licenced deposit takers是金融系统的基本组成部分。它们不仅为个人提供一个安全的存款环境，还通过贷款和投资促进经济增长。理解licenced deposit takers的角色帮助我们欣赏银行业的复杂性以及监管监督在维持金融稳定中的重要性。作为消费者，了解我们依赖的金融机构使我们能够做出明智的决策，并增强对整个金融系统的信任。