Chartered Bank

简明释义

渣打银行［英国］

英英释义

例句

1.She works as a financial advisor at a well-known Chartered Bank.

她在一家知名的特许银行担任财务顾问。

2.Many people trust their savings with a Chartered Bank due to its stability.

由于稳定性，许多人将他们的储蓄信任于特许银行。

3.The Chartered Bank offers competitive interest rates on loans.

特许银行在贷款方面提供有竞争力的利率。

4.I decided to open a savings account at my local Chartered Bank.

我决定在我当地的特许银行开一个储蓄账户。

5.The Chartered Bank has a strong online banking platform.

特许银行拥有强大的在线银行平台。

作文

A Chartered Bank is a financial institution that has been granted a charter by a national or state government, allowing it to operate as a bank. The term 'chartered' indicates that the bank has met specific regulatory requirements and has received official permission to conduct banking activities. This is an important distinction because it ensures that the bank adheres to the laws and regulations set forth by the governing authorities. In many countries, Chartered Banks are subject to rigorous oversight to protect consumers and maintain the stability of the financial system.The concept of a Chartered Bank can be traced back to the early days of banking when governments sought to regulate and control the banking industry. By granting charters, they could ensure that only financially sound institutions could operate, thereby safeguarding depositors' funds. This system not only instills confidence in the banking sector but also promotes fair competition among banks.In addition to being regulated, Chartered Banks often offer a wide range of financial services. These can include personal banking services such as checking and savings accounts, loans, mortgages, and credit cards. They also provide business banking solutions, including commercial loans, treasury services, and investment banking. The diverse offerings make Chartered Banks essential players in the economy, facilitating both personal and business financial needs.One of the key advantages of dealing with a Chartered Bank is the level of security and trust associated with them. Because these banks are federally or state-chartered, they are typically insured by government agencies, which protects depositors in case of bank failure. For instance, in the United States, deposits in Chartered Banks are usually insured by the Federal Deposit Insurance Corporation (FDIC) up to a certain limit. This insurance gives customers peace of mind knowing their money is safe.Moreover, Chartered Banks play a crucial role in the economy by providing loans to individuals and businesses. This lending activity stimulates economic growth by enabling consumers to make significant purchases, such as homes and cars, and allowing businesses to invest in new projects and expand operations. By assessing creditworthiness and managing risk, Chartered Banks contribute to the overall health of the economy.Another important aspect of Chartered Banks is their commitment to compliance and ethical standards. Given their regulatory framework, these banks must adhere to strict guidelines regarding anti-money laundering, consumer protection, and fair lending practices. This commitment to ethical behavior helps maintain public trust and ensures that the banking system operates fairly.In conclusion, a Chartered Bank is a vital component of the financial landscape. It not only provides essential banking services to individuals and businesses but also plays a significant role in maintaining the stability and integrity of the financial system. The chartering process ensures that these institutions meet necessary regulatory standards, fostering trust and security for consumers. As we navigate an increasingly complex financial world, the importance of Chartered Banks cannot be overstated, as they remain steadfast pillars of our economy.

特许银行是指获得国家或州政府颁发的特许证的金融机构，允许其作为银行运营。‘特许’一词表明该银行已满足特定的监管要求，并获得官方许可以进行银行活动。这是一个重要的区别，因为它确保银行遵循政府当局制定的法律和法规。在许多国家，特许银行受到严格的监督，以保护消费者并维护金融系统的稳定。特许银行的概念可以追溯到银行业早期，当时政府寻求对银行业进行监管和控制。通过授予特许证，他们可以确保只有财务稳健的机构能够运营，从而保护存款人的资金。这一制度不仅增强了人们对银行业的信心，还促进了银行之间的公平竞争。除了受到监管外，特许银行通常还提供广泛的金融服务。这些服务可以包括个人银行服务，如支票和储蓄账户、贷款、抵押贷款和信用卡。它们还提供商业银行解决方案，包括商业贷款、财务管理服务和投资银行业务。这些多样化的服务使得特许银行成为经济中不可或缺的参与者，满足个人和企业的金融需求。与特许银行打交道的一个关键优势是与之相关的安全性和信任度。由于这些银行是联邦或州特许的，它们通常由政府机构投保，这在银行倒闭的情况下保护存款人。例如，在美国，特许银行的存款通常由联邦存款保险公司（FDIC）保险，保险金额有一定上限。这种保险让客户放心，知道他们的钱是安全的。此外，特许银行通过向个人和企业提供贷款在经济中发挥着至关重要的作用。这种放贷活动通过使消费者能够进行重大购买（如住房和汽车）以及使企业能够投资新项目和扩展运营来刺激经济增长。通过评估信用状况和管理风险，特许银行为经济的整体健康作出贡献。特许银行的另一个重要方面是它们对合规和道德标准的承诺。鉴于其监管框架，这些银行必须遵守关于反洗钱、消费者保护和公平借贷实践的严格指南。这种对道德行为的承诺有助于维护公众信任，确保银行系统的公平运行。总之，特许银行是金融格局中的重要组成部分。它不仅为个人和企业提供必要的银行服务，还在维护金融系统的稳定性和完整性方面发挥着重要作用。特许过程确保这些机构满足必要的监管标准，从而为消费者提供信任和安全。随着我们在日益复杂的金融世界中航行，特许银行的重要性不容低估，因为它们仍然是我们经济的坚实支柱。