banker's check

简明释义

银行支票;

英英释义

例句

1.The seller requested a banker's check (银行本票) to ensure the funds are guaranteed.

卖方要求提供一张banker's check（银行本票），以确保资金是有保障的。

2.When dealing with large transactions, using a banker's check (银行本票) is safer than cash.

在处理大额交易时，使用banker's check（银行本票）比现金更安全。

3.To complete the property purchase, I need to provide a banker's check (银行本票) as a deposit.

为了完成房产购买，我需要提供一张banker's check（银行本票）作为押金。

4.I went to the bank to get a banker's check (银行本票) for my tuition fees.

我去银行办理了一张banker's check（银行本票）用于支付学费。

5.For the auction, I was required to bring a banker's check (银行本票) as a form of payment.

参加拍卖时，我需要携带一张banker's check（银行本票）作为付款方式。

作文

In today's fast-paced financial world, having a reliable method of payment is crucial for both individuals and businesses. One such method that has gained popularity is the banker's check. A banker's check, also known as a cashier's check, is a check issued by a bank on behalf of a customer, guaranteeing the payment amount. This type of check is considered more secure than a personal check because it is backed by the bank's funds rather than the account holder's balance. When a customer requests a banker's check, they must provide the bank with the necessary funds upfront. The bank then issues a check that is drawn on its own funds, ensuring that the payment will be honored when presented for cashing or deposit. This feature makes the banker's check an ideal choice for large transactions, such as purchasing a car or making a down payment on a house. One of the primary advantages of using a banker's check is its security. Since the funds are guaranteed by the bank, the recipient of the check can feel confident that they will receive the full amount without any risk of bouncing, which can happen with personal checks if there are insufficient funds in the payer's account. Additionally, banker's checks are often required in situations where sellers want assurance that they will receive their money, such as in real estate transactions. However, obtaining a banker's check does come with certain fees, which can vary from bank to bank. Customers should be aware of these fees when deciding to use this payment method. Furthermore, while banker's checks are generally safe, there have been instances of fraud involving counterfeit checks. Therefore, it is essential for both parties involved in a transaction to verify the authenticity of the check before proceeding. Another important aspect to consider is that banker's checks can only be issued by banks and cannot be obtained through other financial institutions like credit unions. This exclusivity means that individuals and businesses must have a relationship with a bank to access this service. In conclusion, the banker's check is a valuable tool in the realm of financial transactions. Its secure nature and guarantee by the issuing bank make it a preferred option for significant payments. While there are fees associated with obtaining a banker's check and potential risks of fraud, the benefits often outweigh the drawbacks, particularly in high-stakes situations. Understanding how to effectively use a banker's check can help individuals and businesses navigate their financial dealings with greater confidence and security.

在当今快节奏的金融世界中，拥有可靠的支付方式对个人和企业都至关重要。银行支票是一种越来越受欢迎的支付方式。银行支票，也称为出纳支票，是由银行代表客户签发的支票，保证支付金额。这种类型的支票被认为比个人支票更安全，因为它是由银行的资金支持，而不是账户持有人的余额。当客户请求一张银行支票时，他们必须提前向银行提供必要的资金。然后，银行签发一张支票，该支票以其自己的资金为基础，确保在兑现或存入时将支付金额得到兑现。这一特性使得银行支票成为大额交易的理想选择，例如购买汽车或支付房屋的首付。使用银行支票的主要优点之一是其安全性。由于资金由银行担保，支票的接收者可以放心，他们将获得全额支付，而无需担心支票会因付款人账户资金不足而退票。此外，在卖方希望确保他们会收到款项的情况下，银行支票往往是必需的，例如在房地产交易中。然而，获取银行支票确实需要支付一定的费用，这些费用因银行而异。客户在决定使用这种支付方式时应注意这些费用。此外，尽管银行支票通常是安全的，但也曾发生过涉及伪造支票的欺诈事件。因此，交易双方在进行交易之前务必核实支票的真实性。另一个重要方面是，银行支票只能由银行签发，不能通过其他金融机构如信用社获得。这种独特性意味着个人和企业必须与银行建立关系才能访问此服务。总之，银行支票在金融交易领域是一种宝贵的工具。其安全性及由发行银行担保的特点，使其成为重大支付的首选选项。尽管获取银行支票时会产生费用，并存在欺诈的潜在风险，但在高风险情况下，其好处往往超过缺点。有效理解如何使用银行支票可以帮助个人和企业更自信、更安全地处理财务交易。