correspondent bank

简明释义

同业行

英英释义

例句

1.The correspondent bank (代理银行) acts as an intermediary for international wire transfers.

这家correspondent bank (代理银行) 作为国际电汇的中介。

2.When sending money abroad, it's important to understand the fees charged by the correspondent bank (代理银行).

在向国外汇款时，了解correspondent bank (代理银行) 收取的费用是很重要的。

3.Our company relies on a correspondent bank (代理银行) to handle transactions with suppliers overseas.

我们的公司依赖于一家correspondent bank (代理银行) 来处理与海外供应商的交易。

4.The correspondent bank (代理银行) helps us process payments in foreign currencies.

这家correspondent bank (代理银行) 帮助我们处理外币支付。

5.To facilitate international transactions, our bank partnered with a correspondent bank (代理银行) in Europe.

为了促进国际交易，我们的银行与欧洲的一家correspondent bank (代理银行) 建立了合作关系。

作文

In today's globalized economy, the role of banks extends far beyond traditional banking services. One crucial aspect of international banking is the concept of a correspondent bank, which serves as an intermediary between banks in different countries. A correspondent bank is a financial institution that provides services on behalf of another bank, typically to facilitate international transactions and access to foreign markets. This relationship is essential for banks that do not have branches or operations in every country where they conduct business. The primary function of a correspondent bank is to enable domestic banks to offer their clients services such as wire transfers, foreign currency exchange, and international trade financing. For example, if a bank in the United States wants to facilitate a transaction for a client in Brazil, it may not have a direct presence in Brazil. Instead, it can partner with a Brazilian correspondent bank to complete the transaction. This allows the U.S. bank to provide its customer with seamless access to global markets without the need for establishing a physical branch in Brazil.Moreover, correspondent banks play a vital role in the clearing and settlement of payments across borders. When a bank sends money to another bank in a different country, the funds must be cleared and settled through a network of correspondent banks. This process ensures that the transaction is secure and that both parties receive the correct amount of money in their respective currencies. The relationship between a bank and its correspondent bank is built on trust and mutual benefit. The domestic bank relies on the correspondent bank to handle transactions efficiently and securely, while the correspondent bank earns fees for its services. This arrangement allows banks to expand their service offerings and reach more customers without incurring the costs associated with setting up new branches.However, the use of correspondent banks is not without risks. Regulatory compliance is a significant concern, as banks must ensure that their correspondent banks adhere to anti-money laundering (AML) and know your customer (KYC) regulations. Failure to comply with these regulations can result in hefty fines and damage to a bank's reputation. Therefore, banks must conduct thorough due diligence when selecting correspondent banks to partner with.In conclusion, correspondent banks are a fundamental component of the global banking system, facilitating international transactions and expanding access to foreign markets. They enable banks to serve their clients better by providing essential services that would otherwise be challenging to offer. As the world becomes increasingly interconnected, the importance of correspondent banks will only continue to grow, making it essential for banks to understand this concept and manage their relationships with correspondent banks effectively.

在当今全球化的经济中，银行的角色远远超出了传统的银行服务。国际银行业务的一个关键方面是代理行的概念，它作为不同国家银行之间的中介。代理行是一家金融机构，代表另一家银行提供服务，通常用于促进国际交易和进入外国市场。这种关系对于在每个国家开展业务的银行至关重要，因为它们并没有在所有国家设立分支或运营。
代理行的主要功能是使国内银行能够为其客户提供诸如电汇、外币兑换和国际贸易融资等服务。例如，如果一家美国银行希望为巴西的客户促成一笔交易，它可能在巴西没有直接的业务存在。相反，它可以与一家巴西的代理行合作来完成交易。这使得美国银行能够为其客户提供无缝访问全球市场的服务，而无需在巴西建立实体分支。
此外，代理行在跨境支付的清算和结算中发挥着至关重要的作用。当一家银行向另一家位于不同国家的银行汇款时，资金必须通过一系列代理行进行清算和结算。这个过程确保交易的安全性，并确保双方在各自货币中收到正确的金额。
银行与其代理行之间的关系建立在信任和互利的基础上。国内银行依赖代理行高效、安全地处理交易，而代理行则通过其服务赚取费用。这种安排使银行能够扩展其服务范围，接触更多客户，而不必承担开设新分支所需的成本。
然而，使用代理行并非没有风险。合规性是一个重大问题，因为银行必须确保其代理行遵守反洗钱（AML）和了解你的客户（KYC）规定。未能遵守这些规定可能会导致巨额罚款并损害银行的声誉。因此，银行在选择合作的代理行时，必须进行彻底的尽职调查。
总之，代理行是全球银行系统的基本组成部分，促进国际交易并扩大对外国市场的接入。它们使银行能够更好地服务客户，提供本来难以提供的必要服务。随着世界日益互联互通，代理行的重要性只会继续增长，这使得银行理解这一概念并有效管理与代理行的关系变得至关重要。