Issuing Bank

简明释义

开证银行

英英释义

例句

1.If you lose your credit card, contact the Issuing Bank 发卡银行 immediately to report it.

如果你丢失了信用卡，请立即联系发卡银行报告。

2.Your Issuing Bank 发卡银行 may offer rewards points for every purchase you make.

你的发卡银行可能会为你每次消费提供积分奖励。

3.When you apply for a credit card, the Issuing Bank 发卡银行 will evaluate your creditworthiness.

当你申请信用卡时，发卡银行会评估你的信用状况。

4.The Issuing Bank 发卡银行 is responsible for setting the terms of your loan.

发卡银行负责设定你的贷款条款。

5.The Issuing Bank 发卡银行 can provide you with a replacement card if yours is stolen.

如果你的信用卡被盗，发卡银行可以为你提供一张替换卡。

作文

The concept of an Issuing Bank is crucial in the world of finance, especially when it comes to international trade and transactions. An Issuing Bank refers to a financial institution that issues letters of credit or guarantees payment on behalf of a buyer to a seller. This role is essential because it helps facilitate trust between parties who may not know each other, particularly in cross-border transactions. Without the involvement of an Issuing Bank, many businesses would hesitate to engage in international trade due to the risks involved.In essence, the Issuing Bank acts as an intermediary that assures the seller that they will receive payment for goods or services provided, as long as the terms of the letter of credit are met. This assurance is vital because it mitigates the risk of non-payment, which can occur due to various reasons such as bankruptcy, fraud, or other unforeseen circumstances. The Issuing Bank evaluates the creditworthiness of the buyer before issuing the letter of credit, ensuring that the buyer has the financial capability to fulfill their obligations.The process typically begins when a buyer and seller agree on a transaction. The buyer approaches their Issuing Bank to request a letter of credit, which outlines the terms and conditions under which the bank will make a payment to the seller. Upon approval, the Issuing Bank issues the letter of credit and sends it to the seller’s bank, known as the advising bank. The advising bank then verifies the letter of credit and informs the seller that payment is guaranteed upon fulfillment of the specified conditions.Once the seller complies with the terms outlined in the letter of credit, they present the required documents to their advising bank, which forwards them to the Issuing Bank. After reviewing the documents to ensure they meet the agreed-upon conditions, the Issuing Bank processes the payment, thereby completing the transaction. This entire process highlights the importance of the Issuing Bank in ensuring smooth and secure international trade operations.Moreover, the role of the Issuing Bank extends beyond just guaranteeing payments. They also play a significant part in managing risks associated with currency fluctuations, political instability, and other external factors that can affect international trade. By providing financial instruments such as letters of credit, the Issuing Bank helps businesses navigate these challenges and maintain a stable trading environment.In conclusion, the Issuing Bank serves as a vital component in the realm of international finance. Their ability to provide assurance and mitigate risks makes them indispensable in facilitating trade between buyers and sellers across borders. Understanding the function of an Issuing Bank is essential for anyone involved in international business, as it enhances the overall efficiency and security of global trade transactions.

在金融领域，特别是在国际贸易和交易中，Issuing Bank的概念至关重要。Issuing Bank指的是代表买方向卖方发行信用证或担保付款的金融机构。这个角色是必不可少的，因为它有助于促进双方之间的信任，尤其是在跨境交易中。如果没有Issuing Bank的参与，许多企业将不愿意进行国际贸易，因为涉及的风险太大。从本质上讲，Issuing Bank充当中介，向卖方保证，只要满足信用证的条款，他们就会收到货物或服务的付款。这种保证至关重要，因为它减轻了因破产、欺诈或其他不可预见情况而导致的未付款风险。在发行信用证之前，Issuing Bank会评估买方的信用worthiness，以确保买方有能力履行其义务。这个过程通常始于买方和卖方达成交易协议。买方向其Issuing Bank提出请求，要求开具信用证，其中列出了银行将在何种条件下向卖方付款。经过批准后，Issuing Bank发出信用证，并将其发送给卖方的银行，即通知银行。通知银行随后核实信用证，并告知卖方在满足特定条件时付款已得到保证。一旦卖方遵守信用证中规定的条款，他们将所需文件提交给通知银行，通知银行再将这些文件转交给Issuing Bank。Issuing Bank在审核文件以确保其符合约定条件后，会处理付款，从而完成交易。整个过程突显了Issuing Bank在确保国际贸易操作顺利和安全中的重要性。此外，Issuing Bank的角色不仅限于担保付款。他们还在管理与货币波动、政治不稳定和其他可能影响国际贸易的外部因素相关的风险方面发挥着重要作用。通过提供信用证等金融工具，Issuing Bank帮助企业应对这些挑战，并维持稳定的交易环境。总之，Issuing Bank在国际金融领域中是一个至关重要的组成部分。他们提供的保证和减轻风险的能力使他们在促进跨国买卖双方的交易中不可或缺。理解Issuing Bank的功能对于任何参与国际业务的人来说都是必不可少的，因为这增强了全球贸易交易的整体效率和安全性。