correspondent bank

简明释义

通汇银行

英英释义

例句

1.The correspondent bank 代理银行 allows smaller banks to access foreign markets without having to establish their own branches abroad.

通过correspondent bank 代理银行，小型银行可以在不必在国外设立分行的情况下进入外国市场。

2.When transferring money internationally, your bank may use a correspondent bank 代理银行 to facilitate the transaction.

在进行国际汇款时，您的银行可能会使用一个correspondent bank 代理银行来促进交易。

3.Your bank has a partnership with a correspondent bank 代理银行 in Europe to handle euro transactions efficiently.

您的银行与欧洲的一家correspondent bank 代理银行建立了合作关系，以高效处理欧元交易。

4.The fees charged by a correspondent bank 代理银行 can vary depending on the service provided.

一家correspondent bank 代理银行收取的费用可能会根据提供的服务而有所不同。

5.For businesses dealing with overseas suppliers, understanding how a correspondent bank 代理银行 works can save time and money.

对于与海外供应商打交道的企业来说，了解correspondent bank 代理银行的运作方式可以节省时间和金钱。

作文

In the world of international finance, the term correspondent bank plays a crucial role in facilitating cross-border transactions. A correspondent bank is essentially a financial institution that provides services on behalf of another bank, especially when the latter does not have a physical presence in a foreign country. This arrangement allows banks to conduct business internationally without the need for a branch in every location. For instance, if a bank in the United States wants to send money to a bank in Brazil, it might use a correspondent bank that has established relationships with Brazilian banks. This process simplifies the complexities of international payments and enhances the efficiency of global trade.The functions of a correspondent bank are varied and significant. They include processing wire transfers, handling foreign currency exchanges, and providing information on local banking regulations. By leveraging the network of a correspondent bank, smaller banks can offer their customers access to international markets, which would otherwise be challenging due to geographical barriers. This is particularly beneficial for businesses that engage in international trade, as they can easily manage their transactions without needing to navigate the intricacies of foreign banking systems.Moreover, correspondent banks also play a vital role in risk management. When a bank engages with a correspondent bank, it can mitigate risks associated with foreign exchange fluctuations and political instability in certain regions. The correspondent bank typically has a better understanding of the local market conditions, which helps in making informed decisions regarding currency conversions and transaction settlements. This aspect is especially important in times of economic uncertainty, where the stability of local banks may be in question.However, the relationship between banks and their correspondent banks is not without challenges. Compliance with international regulations, such as anti-money laundering (AML) and know your customer (KYC) requirements, is paramount. Banks must ensure that their correspondent banks adhere to these regulations to avoid legal repercussions. Additionally, the cost of maintaining these relationships can be significant, especially for smaller banks that may struggle to meet the financial demands of partnering with larger institutions.In conclusion, the concept of a correspondent bank is essential for the smooth functioning of international banking. It enables banks to provide services across borders, thereby supporting global commerce and investment. Understanding the role of a correspondent bank helps to appreciate the complexities of international finance and the importance of collaboration among financial institutions. As globalization continues to shape the landscape of banking, the significance of correspondent banks will only grow, making them integral players in the financial ecosystem.

在国际金融的世界中，术语代理银行在促进跨境交易方面发挥着至关重要的作用。代理银行本质上是代表另一家银行提供服务的金融机构，尤其是在后者在外国没有实体存在时。这种安排使得银行能够在国际上开展业务，而无需在每个地点都设立分支机构。例如，如果一家美国银行想向巴西的一家银行汇款，它可能会使用一家与巴西银行建立了关系的代理银行。这个过程简化了国际支付的复杂性，提高了全球贸易的效率。代理银行的功能多种多样且意义重大。它们包括处理电汇、处理外币兑换以及提供有关当地银行法规的信息。通过利用代理银行的网络，小型银行可以为其客户提供进入国际市场的机会，否则由于地理障碍，这将是具有挑战性的。这对参与国际贸易的企业尤其有利，因为它们可以轻松管理交易，而无需应对外国银行系统的复杂性。此外，代理银行在风险管理中也发挥着关键作用。当一家银行与代理银行合作时，它可以减轻与外汇波动和某些地区政治不稳定相关的风险。代理银行通常对当地市场状况有更好的了解，这有助于在货币转换和交易结算方面做出明智的决策。在经济不确定时期，这一点尤其重要，因为当地银行的稳定性可能受到质疑。然而，银行与其代理银行之间的关系并非没有挑战。遵守国际法规，例如反洗钱（AML）和了解你的客户（KYC）要求，是至关重要的。银行必须确保其代理银行遵守这些规定，以避免法律后果。此外，维护这些关系的成本可能是显著的，尤其是对于那些可能难以满足与大型机构合作的财务要求的小型银行。总之，代理银行的概念对于国际银行的顺利运作至关重要。它使银行能够跨境提供服务，从而支持全球商业和投资。理解代理银行的作用有助于欣赏国际金融的复杂性以及金融机构之间合作的重要性。随着全球化继续塑造银行业的格局，代理银行的重要性只会增加，使其成为金融生态系统中的重要参与者。