chartered bank

简明释义

特许银行

英英释义

例句

1.A chartered bank must adhere to strict guidelines set by the government.

一家特许银行必须遵循政府制定的严格指南。

2.Investing in a chartered bank can provide better security for your money.

投资于一家特许银行可以为你的资金提供更好的安全性。

3.Many people trust their finances with a chartered bank because of its regulations.

由于监管原因，许多人信任将财务交给特许银行。

4.I opened a savings account at a chartered bank.

我在一家特许银行开了一个储蓄账户。

5.I received a loan from my local chartered bank for my new car.

我从当地的特许银行获得了购车贷款。

作文

A chartered bank is a financial institution that has received a charter from the government, allowing it to operate as a bank. This charter grants the bank the authority to accept deposits, make loans, and provide various financial services to its customers. The concept of a chartered bank is crucial in understanding the banking system and its regulation. In many countries, these banks are regulated by central banks or other government agencies to ensure stability and protect consumers. The main function of a chartered bank is to act as an intermediary between savers and borrowers. Individuals and businesses deposit their money into the bank, which then uses those funds to provide loans to others. This process helps facilitate economic activity by ensuring that capital is available for investment and consumption. For example, a small business may seek a loan from a chartered bank to expand its operations, while individuals might take out mortgages to purchase homes. One significant aspect of chartered banks is that they are required to maintain certain levels of reserves and adhere to specific regulations set by the government. These regulations are designed to protect the financial system and prevent bank failures that could lead to widespread economic problems. By having a charter, these banks are held to higher standards of accountability and transparency, which helps build trust with their customers. In addition to traditional banking services, chartered banks may also offer investment products, insurance, and wealth management services. They play a vital role in the economy by providing not only basic banking services but also more complex financial solutions tailored to meet the needs of their clients. This diversification of services allows chartered banks to attract a broader range of customers, from individuals to large corporations. Moreover, the presence of chartered banks contributes to financial stability in the economy. By providing a safe place for people to deposit their money, they help to instill confidence in the financial system. When customers trust that their deposits are secure, they are more likely to spend and invest, which in turn stimulates economic growth. Furthermore, chartered banks often participate in community development initiatives, supporting local businesses and contributing to the overall health of the economy. In conclusion, a chartered bank is an essential component of the financial landscape. It provides critical services that facilitate economic growth and stability. Understanding the role of chartered banks helps individuals appreciate how their personal finances are intertwined with the broader economy. As we navigate through various financial decisions in our lives, recognizing the importance of these institutions can lead to better financial literacy and informed choices. Thus, the concept of a chartered bank goes beyond just being a place to store money; it represents a cornerstone of economic infrastructure that supports both individual aspirations and national economic health.

特许银行是指获得政府颁发的特许经营权的金融机构，允许其作为银行运营。该特许经营权赋予银行接受存款、发放贷款和向客户提供各种金融服务的权力。理解特许银行的概念对于了解银行系统及其监管至关重要。在许多国家，这些银行受到中央银行或其他政府机构的监管，以确保稳定并保护消费者。特许银行的主要功能是充当储户和借款人之间的中介。个人和企业将资金存入银行，然后银行利用这些资金向他人提供贷款。这一过程通过确保资本可用于投资和消费来促进经济活动。例如，一家小企业可能会向特许银行申请贷款以扩展其业务，而个人则可能会申请抵押贷款以购买房屋。特许银行的一个重要方面是，它们必须维持一定水平的准备金，并遵守政府设定的特定法规。这些法规旨在保护金融系统，防止可能导致广泛经济问题的银行破产。通过拥有特许经营权，这些银行被要求遵循更高的问责和透明度标准，这有助于与客户建立信任。除了传统的银行服务外，特许银行还可能提供投资产品、保险和财富管理服务。它们在经济中发挥着重要作用，不仅提供基本的银行服务，还提供更复杂的金融解决方案，以满足客户的需求。这种服务多样化使特许银行能够吸引更广泛的客户群体，从个人到大型企业。此外，特许银行的存在有助于经济的金融稳定。通过为人们提供安全的存款场所，它们有助于增强对金融系统的信心。当客户相信他们的存款是安全的时，他们更有可能消费和投资，这反过来又刺激了经济增长。此外，特许银行通常参与社区发展计划，支持地方企业并为经济的整体健康作出贡献。总之，特许银行是金融环境的重要组成部分。它提供促进经济增长和稳定的关键服务。理解特许银行的角色帮助个人认识到他们的个人财务如何与更广泛的经济交织在一起。当我们在生活中进行各种财务决策时，认识到这些机构的重要性可以导致更好的金融素养和明智的选择。因此，特许银行的概念不仅仅是存钱的地方；它代表了支持个人愿望和国家经济健康的经济基础设施的基石。