issuing bank

简明释义

开证银行开证银行

英英释义

例句

1.The issuing bank 发卡银行 is responsible for setting your credit limit.

发卡银行 issuing bank 负责设定你的信用额度。

2.If you lose your card, you should contact your issuing bank 发卡银行 immediately to report it.

如果你丢失了卡片，应该立即联系你的发卡银行 issuing bank 报告此事。

3.When you apply for a credit card, the issuing bank 发卡银行 will assess your creditworthiness.

当你申请信用卡时，发卡银行 issuing bank 会评估你的信用状况。

4.You can earn rewards points through purchases made with your issuing bank 发卡银行 credit card.

通过使用你的发卡银行 issuing bank 信用卡购物，你可以获得奖励积分。

5.To dispute a charge, you must contact your issuing bank 发卡银行 for assistance.

要对收费提出异议，你必须联系你的发卡银行 issuing bank 寻求帮助。

作文

In today's global economy, the role of financial institutions is paramount, especially when it comes to facilitating international trade. One term that frequently arises in discussions about trade finance is the issuing bank. The issuing bank is a financial institution that issues letters of credit on behalf of a buyer, providing a guarantee to the seller that payment will be made as long as the terms of the letter of credit are met. This mechanism not only protects the seller from default but also assures the buyer that they will receive the goods as promised.To understand the significance of the issuing bank, we must first explore the concept of a letter of credit. A letter of credit is a document issued by a bank that guarantees a buyer's payment to a seller will be received on time and for the correct amount. If the buyer fails to make the payment, the issuing bank covers the loss. This arrangement is particularly beneficial in international transactions where the parties may not know each other well and where different legal systems can complicate matters.When a buyer wants to purchase goods from a seller in another country, they may request their issuing bank to issue a letter of credit. The bank will then assess the buyer's creditworthiness and, if deemed acceptable, issue the letter of credit specifying the terms under which the seller will receive payment. These terms usually include documentation requirements, shipping dates, and the condition of the goods.The issuing bank plays a crucial role in ensuring that all parties involved adhere to the agreed-upon terms. For instance, once the seller ships the goods, they must present specific documents to the issuing bank to prove that they have fulfilled their part of the agreement. This might include a bill of lading, an invoice, and a certificate of insurance. Upon receiving these documents, the issuing bank verifies them against the terms of the letter of credit. If everything is in order, the bank will release the funds to the seller.Moreover, the issuing bank also helps mitigate risks associated with currency fluctuations and political instability in the seller's country. By providing a secure payment method, the issuing bank allows both buyers and sellers to engage in international trade with greater confidence. This is particularly important in today’s market, where businesses often rely on overseas suppliers to source materials and products.However, the relationship between the buyer, the seller, and the issuing bank is not without its challenges. Disputes can arise over the interpretation of the terms laid out in the letter of credit, leading to delays in payment or even litigation. Therefore, it is essential for all parties to clearly understand the terms and conditions before entering into a transaction involving an issuing bank.In conclusion, the issuing bank serves as a vital intermediary in international trade, providing security and trust between buyers and sellers. Understanding the function and importance of the issuing bank can help businesses navigate the complexities of global commerce more effectively. As trade continues to grow across borders, the role of the issuing bank will remain critical in fostering smooth and secure transactions.

在当今全球经济中，金融机构的角色至关重要，尤其是在促进国际贸易方面。一个在贸易融资讨论中经常出现的术语是开证行。开证行是代表买方签发信用证的金融机构，向卖方提供担保，确保只要满足信用证的条款，就会进行付款。这一机制不仅保护卖方免受违约风险，还向买方保证他们将按承诺收到货物。要理解开证行的重要性，我们必须首先探讨信用证的概念。信用证是银行出具的一种文件，保证买方及时支付卖方的款项，并且金额正确。如果买方未能付款，开证行将承担损失。这种安排在国际交易中特别有利，因为交易双方可能互不相识，不同的法律体系也可能使事情复杂化。当买方想从另一个国家的卖方购买商品时，他们可能会要求自己的开证行签发信用证。银行会评估买方的信用状况，如果被认为可接受，就会根据信用证的条款签发信用证，规定卖方将获得付款的条件。这些条款通常包括文件要求、发货日期和货物的状态。开证行在确保所有相关方遵守约定条款方面发挥着至关重要的作用。例如，一旦卖方发运货物，他们必须向开证行提交特定文件，以证明他们已履行协议。这可能包括提单、发票和保险凭证。收到这些文件后，开证行会根据信用证的条款对其进行核实。如果一切正常，银行将向卖方支付款项。此外，开证行还帮助降低与货币波动和卖方国家政治不稳定相关的风险。通过提供安全的支付方式，开证行使买卖双方能够更有信心地进行国际贸易。这在当今市场中尤为重要，企业往往依赖海外供应商来采购材料和产品。然而，买方、卖方与开证行之间的关系并非没有挑战。有关信用证条款解释的争议可能会导致付款延迟甚至诉讼。因此，在涉及开证行的交易之前，所有相关方都必须清楚理解条款和条件。总之，开证行作为国际贸易中的重要中介，为买卖双方提供安全和信任。理解开证行的功能和重要性可以帮助企业更有效地应对全球商业的复杂性。随着跨境贸易的不断增长，开证行的角色将在促进顺利、安全的交易中继续发挥关键作用。