cash letter

简明释义

立即收帐的票据托收清单［银行间］

英英释义

例句

1.The bank sent a cash letter to process the check deposits efficiently.

银行发送了一份现金信函以高效处理支票存款。

2.After receiving the cash letter, the funds were available in my account within hours.

收到现金信函后，资金在几小时内就可以使用。

3.A cash letter is essential for reconciling accounts at the end of the month.

在月底对账时，现金信函是必不可少的。

4.We had to wait for the cash letter before we could access our funds.

在我们能够访问资金之前，我们必须等待现金信函。

5.The company issues a cash letter to confirm the amount of checks they have deposited.

公司发出一份现金信函以确认他们已存入的支票金额。

作文

In the world of finance and banking, terminology plays a crucial role in understanding various processes. One such term that often comes up is cash letter, which refers to a document sent by a bank that lists checks being deposited into another bank. The cash letter serves as a means of communication between banks, detailing the checks that are included in a deposit batch. This process is essential for ensuring that funds are transferred accurately and efficiently between institutions.The importance of the cash letter cannot be overstated. When a bank receives a batch of checks for deposit, it must verify the information contained within the cash letter. This includes checking the amounts, verifying the account numbers, and ensuring that the checks are valid. The cash letter acts as a summary of these checks, allowing the receiving bank to process them swiftly. Without this document, the process of reconciling deposits would be significantly more complicated and prone to errors.Moreover, the cash letter also plays a vital role in the electronic processing of checks. In recent years, many banks have adopted electronic methods for handling deposits, where checks are scanned and processed digitally. Even in this electronic environment, the cash letter remains relevant. It is often generated automatically by the depositing bank's systems and sent electronically to the receiving bank, streamlining the entire process.Understanding the function of a cash letter is particularly important for businesses that deal with large volumes of checks. For instance, a retail company that receives numerous customer payments via checks must ensure that these payments are deposited correctly and efficiently. By utilizing the cash letter, the company can keep track of all checks being deposited, making it easier to manage cash flow and maintain accurate financial records.In addition to its practical applications, the cash letter also highlights the importance of interbank relationships. Banks rely on each other to facilitate transactions and maintain the integrity of the financial system. The cash letter is a testament to this relationship, as it represents the trust and cooperation between banks. When one bank sends a cash letter to another, it is essentially vouching for the validity of the checks included in the document, thereby establishing a level of accountability.Furthermore, the regulatory framework surrounding the cash letter ensures that banks adhere to certain standards when processing checks. Regulations may dictate how cash letters must be formatted, what information must be included, and how long records must be retained. This oversight helps to protect consumers and maintain the overall stability of the banking system.In conclusion, the concept of a cash letter is fundamental to the operation of banks and the smooth functioning of the financial system. It facilitates the accurate processing of check deposits, supports electronic banking practices, and underscores the importance of interbank cooperation. As the financial landscape continues to evolve, the cash letter will undoubtedly remain a key component of banking operations, ensuring that transactions are conducted efficiently and securely.

在金融和银行业的世界中，术语在理解各种流程中起着至关重要的作用。其中一个经常出现的术语是现金信函，它指的是由银行发送的文件，列出了存入另一家银行的支票。现金信函作为银行之间的沟通工具，详细说明了存款批次中包含的支票。这一过程对于确保资金在机构之间准确、高效地转移至关重要。现金信函的重要性不容小觑。当一家银行收到一批支票进行存款时，它必须验证现金信函中包含的信息。这包括检查金额、验证账户号码以及确保支票的有效性。现金信函作为这些支票的摘要，使接收银行能够迅速处理它们。如果没有这个文件，存款的对账过程将会复杂得多，容易出错。此外，现金信函在支票的电子处理过程中也发挥着重要作用。近年来，许多银行已经采用电子方式处理存款，支票被扫描并数字化处理。即使在这一电子环境中，现金信函仍然相关。它通常由存款银行的系统自动生成，并以电子方式发送给接收银行，从而简化了整个过程。理解现金信函的功能对于处理大量支票的企业尤为重要。例如，一家通过支票接收众多客户付款的零售公司必须确保这些付款被正确高效地存入。通过利用现金信函，公司可以跟踪所有被存入的支票，从而更容易管理现金流并保持准确的财务记录。除了实际应用外，现金信函还突显了银行间关系的重要性。银行依赖彼此来促进交易并维护金融体系的完整性。现金信函就是这种关系的证明，因为它代表了银行之间的信任与合作。当一家银行向另一家银行发送现金信函时，它本质上是在为包含在文件中的支票的有效性担保，从而建立了一定程度的问责制。此外，围绕现金信函的监管框架确保银行在处理支票时遵循某些标准。法规可能规定现金信函的格式、必须包含的信息以及记录的保留期限。这种监督有助于保护消费者并维护银行系统的整体稳定性。总之，现金信函的概念对于银行的运作和金融系统的顺利运行至关重要。它促进了支票存款的准确处理，支持电子银行实践，并强调了银行间合作的重要性。随着金融格局的不断发展，现金信函无疑将继续成为银行运营的关键组成部分，确保交易的高效和安全。