correspondent bank

简明释义

往来行

英英释义

例句

1.To send money to a remote country, your bank may partner with a correspondent bank 代理行 that has better connections.

要向一个偏远国家汇款，您的银行可能会与一家拥有更好连接的代理行 correspondent bank 合作。

2.The correspondent bank 代理行 charges a fee for its services when processing international payments.

在处理国际支付时，代理行 correspondent bank 会收取服务费。

3.When transferring money internationally, you may need to use a correspondent bank 代理行 to facilitate the transaction.

在进行国际汇款时，您可能需要使用代理行 correspondent bank 来促进交易。

4.A correspondent bank 代理行 acts as an intermediary between two banks in different countries.

一家代理行 correspondent bank 充当不同国家两家银行之间的中介。

5.Many small banks rely on a correspondent bank 代理行 to access foreign currency transactions.

许多小型银行依赖于代理行 correspondent bank 来进行外币交易。

作文

In the world of finance, the term correspondent bank refers to a financial institution that provides services on behalf of another bank, particularly in international transactions. These banks play a crucial role in facilitating cross-border payments, foreign exchange, and trade finance. When a bank does not have a physical presence in a foreign country, it often relies on a correspondent bank to execute transactions on its behalf. This relationship is essential for banks to provide their clients with access to global markets and to ensure smooth operations in international banking. The concept of a correspondent bank is particularly important in today’s globalized economy where businesses frequently engage in international trade. For instance, if a company in the United States needs to pay a supplier in Japan, but its bank does not have a branch in Japan, it can use a correspondent bank located in Japan to facilitate the payment. The U.S. bank will send the funds to the correspondent bank, which will then transfer the money to the supplier's bank account in Japan. This process not only simplifies transactions but also reduces the risk and cost associated with international payments.Moreover, correspondent banks often have established networks that allow them to provide various financial services, including currency conversion and trade financing. This network enables smaller banks to offer competitive services without the need for extensive international operations. As a result, correspondent banks help bridge the gap between domestic and international banking, making it easier for businesses to operate globally.However, the operations of correspondent banks are not without challenges. Regulatory compliance is a significant concern, as these banks must adhere to the laws and regulations of both their home country and the foreign jurisdictions in which they operate. Anti-money laundering (AML) and know-your-customer (KYC) regulations are particularly stringent, requiring correspondent banks to conduct thorough due diligence on their clients and transactions. Failure to comply can result in severe penalties and damage to a bank's reputation.Additionally, the rise of digital banking and fintech companies poses both opportunities and threats to traditional correspondent banks. While technology has made it easier to conduct international transactions, it has also led to increased competition. New players in the market often offer faster and cheaper services, prompting traditional banks to innovate and adapt to the changing landscape. As a result, many correspondent banks are investing in technology to enhance their service offerings and improve efficiency.In conclusion, correspondent banks are vital players in the global banking system, enabling banks to conduct international transactions and provide services to their clients. They facilitate trade and commerce by ensuring that funds can flow smoothly across borders. Despite the challenges they face, including regulatory compliance and competition from fintech, correspondent banks continue to evolve and play an essential role in the interconnected world of finance.

在金融世界中，术语代理银行指的是代表另一家银行提供服务的金融机构，特别是在国际交易中。这些银行在促进跨境支付、外汇和贸易融资方面发挥着至关重要的作用。当一家银行在外国没有实体存在时，它通常依赖于代理银行代表其执行交易。这种关系对于银行向客户提供全球市场准入和确保国际银行业务的顺利运营至关重要。代理银行的概念在当今全球化经济中尤为重要，因为企业经常参与国际贸易。例如，如果一家美国公司需要支付给日本供应商，但其银行在日本没有分行，它可以使用位于日本的代理银行来促进支付。美国银行将资金发送到代理银行，然后该银行再将资金转移到日本供应商的银行账户。这一过程不仅简化了交易，还降低了与国际支付相关的风险和成本。此外，代理银行通常拥有建立的网络，使它们能够提供各种金融服务，包括货币兑换和贸易融资。这个网络使得较小的银行能够在不需要广泛国际业务的情况下提供竞争性服务。因此，代理银行帮助弥合国内银行与国际银行之间的差距，使企业更容易在全球范围内运营。然而，代理银行的运营并非没有挑战。合规性是一个重大问题，因为这些银行必须遵守其本国以及它们所经营的外国法域的法律法规。反洗钱（AML）和了解你的客户（KYC）法规尤其严格，要求代理银行对其客户和交易进行彻底的尽职调查。未能遵守可能导致严重的处罚，并损害银行的声誉。此外，数字银行和金融科技公司的崛起既为传统的代理银行带来了机遇，也带来了威胁。虽然技术使得进行国际交易变得更加容易，但也导致了竞争的加剧。市场中的新参与者往往提供更快、更便宜的服务，促使传统银行创新和适应不断变化的环境。因此，许多代理银行正在投资技术，以增强其服务产品并提高效率。总之，代理银行是全球银行系统中至关重要的参与者，使银行能够进行国际交易并向客户提供服务。它们通过确保资金能够顺利跨境流动来促进贸易和商业。尽管面临监管合规和金融科技竞争等挑战，代理银行仍在不断发展，并在互联的金融世界中发挥着重要作用。