deposit-taking institution

简明释义

吸收存款机构

英英释义

例句

1.When looking for a safe place to save money, many people turn to deposit-taking institutions.

在寻找安全存钱的地方时，许多人会选择存款机构。

2.A bank is a common type of deposit-taking institution that accepts deposits from customers.

银行是一个常见的存款机构，接受客户的存款。

3.Credit unions are also considered deposit-taking institutions as they provide savings accounts for their members.

信用合作社也被视为存款机构，因为它们为成员提供储蓄账户。

4.The government regulates deposit-taking institutions to ensure the safety of depositors' funds.

政府对存款机构进行监管，以确保存款人资金的安全。

5.Before opening an account, it's important to research the fees associated with different deposit-taking institutions.

在开设账户之前，了解不同存款机构相关的费用是很重要的。

作文

In today's rapidly evolving financial landscape, the role of a deposit-taking institution cannot be overstated. A deposit-taking institution (存款机构) refers to any financial entity that accepts deposits from customers and provides them with various banking services. These institutions play a crucial role in the economy by facilitating savings, providing loans, and ensuring the stability of the financial system.Firstly, one of the primary functions of a deposit-taking institution is to encourage individuals and businesses to save their money. By offering attractive interest rates on deposits, these institutions incentivize people to deposit their funds rather than keeping them at home. This not only helps individuals accumulate wealth over time but also contributes to the overall economic growth by increasing the amount of money available for lending.Moreover, deposit-taking institutions are essential for providing loans to consumers and businesses. When a customer deposits money into their account, the institution can use a portion of those funds to offer loans to others. This process, known as fractional reserve banking, allows banks to create credit and stimulate economic activity. For instance, when a small business seeks a loan to expand its operations, the deposit-taking institution can provide the necessary funds, thereby fostering entrepreneurship and job creation.Additionally, deposit-taking institutions contribute to financial stability. They are typically regulated by government authorities to ensure they operate safely and soundly. This regulation helps protect depositors' funds and maintain public confidence in the banking system. In many countries, deposits in deposit-taking institutions are insured up to a certain limit, which further enhances consumer trust. This safety net encourages more people to utilize banking services, knowing their money is secure.Furthermore, deposit-taking institutions offer a wide range of financial products and services beyond just savings accounts and loans. Many institutions provide checking accounts, credit cards, mortgages, and investment opportunities. This diversity allows customers to manage their finances more effectively and meet their various financial needs under one roof. For example, a customer might open a savings account to save for a vacation while simultaneously applying for a mortgage to buy a new home.However, it is important to note that not all deposit-taking institutions are created equal. There are different types of institutions, including commercial banks, credit unions, and savings and loan associations. Each type has its own unique features, benefits, and drawbacks. For instance, credit unions are member-owned and often offer lower fees and better interest rates compared to traditional banks. On the other hand, commercial banks may provide a wider range of services and greater accessibility due to their larger network of branches and ATMs.In conclusion, deposit-taking institutions play a vital role in the economy by encouraging savings, providing loans, and ensuring financial stability. Their diverse offerings cater to the financial needs of individuals and businesses alike. As the financial landscape continues to change, the importance of these institutions will only grow, making it essential for consumers to understand their functions and choose the right institution for their needs. By doing so, individuals can make informed decisions about their finances and contribute to a healthier economy overall.

在当今快速发展的金融环境中，存款机构的角色不可低估。存款机构（deposit-taking institution）是指任何接受客户存款并为其提供各种银行服务的金融实体。这些机构通过促进储蓄、提供贷款和确保金融体系的稳定，在经济中发挥着至关重要的作用。首先，存款机构的主要功能之一是鼓励个人和企业存钱。通过提供有吸引力的存款利率，这些机构激励人们将资金存入银行，而不是留在家中。这不仅帮助个人随着时间的推移积累财富，还通过增加可用于放贷的资金总量，为整体经济增长做出贡献。此外，存款机构对于向消费者和企业提供贷款至关重要。当客户将钱存入他们的账户时，机构可以利用这些资金的一部分向其他人提供贷款。这一过程被称为部分准备金银行，允许银行创造信用并刺激经济活动。例如，当小企业寻求贷款以扩大其运营时，存款机构可以提供必要的资金，从而促进创业和创造就业机会。此外，存款机构有助于金融稳定。它们通常受到政府当局的监管，以确保其安全稳健地运营。这种监管有助于保护存款人的资金，并保持公众对银行系统的信心。在许多国家，存款机构的存款在一定限额内是受到保险的，这进一步增强了消费者的信任。这一安全网鼓励更多的人使用银行服务，因为他们知道自己的钱是安全的。此外，存款机构提供的不仅仅是储蓄账户和贷款的金融产品和服务。许多机构提供支票账户、信用卡、抵押贷款和投资机会。这种多样性使客户能够更有效地管理财务，并在一个地方满足其各种财务需求。例如，客户可能会开设一个储蓄账户来为假期存钱，同时申请抵押贷款来购买新房。然而，重要的是要注意，并非所有的存款机构都是一样的。存在不同类型的机构，包括商业银行、信用合作社和储蓄与贷款协会。每种类型都有其独特的特点、优势和缺点。例如，信用合作社是会员拥有的，通常提供比传统银行更低的费用和更好的利率。另一方面，商业银行可能由于其更大规模的分支机构和ATM网络，提供更广泛的服务和更大的可达性。总之，存款机构通过鼓励储蓄、提供贷款和确保金融稳定，在经济中发挥着重要作用。它们多样化的产品满足个人和企业的财务需求。随着金融环境的不断变化，这些机构的重要性只会增加，因此消费者了解其功能并选择适合自己需求的机构至关重要。通过这样做，个人可以就自己的财务做出明智的决策，并为整体经济的健康做出贡献。