commercial bank

简明释义

储蓄信贷银行

英英释义

例句

1.The interest rates at this commercial bank are quite competitive.

这家商业银行的利率相当有竞争力。

2.I went to the commercial bank to open a savings account.

我去商业银行开设一个储蓄账户。

3.The commercial bank offers various loan options for small businesses.

这家商业银行为小企业提供多种贷款选择。

4.Many people prefer using online services provided by their commercial bank.

许多人更喜欢使用他们的商业银行提供的在线服务。

5.You can deposit checks at any commercial bank branch.

你可以在任何一家商业银行的分行存支票。

作文

In today's economy, the role of a commercial bank is crucial for both individuals and businesses. A commercial bank (商业银行) primarily provides financial services such as accepting deposits, offering loans, and facilitating payment transactions. These banks are essential in maintaining the liquidity of the economy by providing funds that can be used for various purposes. For instance, when an individual deposits money into a commercial bank (商业银行), the bank uses these funds to issue loans to other customers, thereby creating a cycle of lending and borrowing that stimulates economic growth.One of the key functions of a commercial bank (商业银行) is to offer savings accounts to its customers. These accounts allow individuals to save their money while earning interest over time. This not only encourages saving habits among the public but also provides the bank with the capital necessary to fund loans. By offering competitive interest rates, commercial banks (商业银行) attract more deposits, which in turn increases their ability to lend.Moreover, commercial banks (商业银行) play a significant role in the business sector. They provide various types of loans, including personal loans, business loans, and mortgages. Small businesses, in particular, rely heavily on commercial banks (商业银行) for financing their operations and expanding their ventures. Without access to credit from these banks, many businesses would struggle to survive or grow. The approval process for loans involves assessing the creditworthiness of the borrower, which helps mitigate risks for the bank and ensures that loans are given to those who are likely to repay.In addition to loans and deposits, commercial banks (商业银行) also offer a range of services such as checking accounts, debit and credit cards, and online banking. These services enhance the convenience of managing finances for customers. For example, with online banking, individuals can easily transfer money, pay bills, and check their account balances from the comfort of their homes. This technological advancement has made banking more accessible and efficient.Furthermore, commercial banks (商业银行) are regulated by government authorities to ensure stability and protect depositors' interests. Regulations require these banks to maintain certain levels of reserves and adhere to strict lending practices. This oversight helps prevent bank failures and promotes public confidence in the banking system. In times of economic uncertainty, the stability provided by commercial banks (商业银行) becomes even more critical, as they serve as a safeguard for individuals' savings and a source of credit for businesses.In conclusion, the importance of commercial banks (商业银行) in our financial system cannot be overstated. They facilitate daily transactions, provide essential services to individuals and businesses, and contribute to the overall economic stability. As we navigate through an increasingly complex financial landscape, understanding the functions and significance of commercial banks (商业银行) will help individuals make informed decisions about their finances and foster a healthy economy. Therefore, whether you are saving for a future goal or seeking a loan to start a business, a commercial bank (商业银行) will likely be your primary partner in achieving your financial objectives.

在当今经济中，商业银行 的角色对个人和企业都至关重要。商业银行（commercial bank）主要提供金融服务，如接受存款、提供贷款和促进支付交易。这些银行在维持经济流动性方面至关重要，因为它们提供可用于各种目的的资金。例如，当个人将钱存入商业银行（commercial bank）时，银行会利用这些资金向其他客户发放贷款，从而创造出一种刺激经济增长的借贷循环。商业银行（commercial bank）的一个关键功能是为客户提供储蓄账户。这些账户允许个人在节省资金的同时获得利息。这不仅鼓励公众养成储蓄习惯，还为银行提供了必要的资本来资助贷款。通过提供具有竞争力的利率，商业银行（commercial bank）吸引更多的存款，从而增加它们的放贷能力。此外，商业银行（commercial bank）在商业领域也发挥着重要作用。它们提供各种类型的贷款，包括个人贷款、商业贷款和抵押贷款。尤其是小企业，尤其依赖于商业银行（commercial bank）为其运营和扩展提供融资。如果没有这些银行的信贷支持，许多企业将难以生存或发展。贷款的批准过程涉及评估借款人的信用worthiness，这有助于降低银行的风险，并确保贷款发放给那些可能偿还的人。除了贷款和存款，商业银行（commercial bank）还提供一系列服务，如支票账户、借记卡和信用卡，以及在线银行。这些服务提升了客户管理财务的便利性。例如，通过在线银行，个人可以轻松地转账、支付账单和查看账户余额，而无需离开家。这一技术进步使银行业务变得更加便捷和高效。此外，商业银行（commercial bank）受到政府机构的监管，以确保稳定并保护存款人的利益。法规要求这些银行保持一定的准备金水平，并遵循严格的放贷实践。这种监管有助于防止银行倒闭，并促进公众对银行系统的信心。在经济不确定时期，商业银行（commercial bank）提供的稳定性变得更加关键，因为它们作为个人储蓄的保障和企业信贷的来源。总之，商业银行（commercial bank）在我们的金融系统中的重要性不容小觑。它们促进日常交易，为个人和企业提供必要的服务，并为整体经济稳定做出贡献。在我们应对日益复杂的金融环境时，理解商业银行（commercial bank）的功能和重要性将帮助个人做出明智的财务决策，并促进健康的经济。因此，无论您是为未来目标储蓄还是寻求贷款以启动企业，商业银行（commercial bank）都可能成为您实现财务目标的主要合作伙伴。