authorized bank

简明释义

指定银行

英英释义

例句

1.Only transactions made through an authorized bank are considered valid.

只有通过授权银行进行的交易才被视为有效。

2.An authorized bank can help you with foreign currency exchange.

一家授权银行可以帮助你进行外币兑换。

3.You need to go to an authorized bank to open a new account.

你需要去一个授权银行开一个新账户。

4.I received a loan from an authorized bank with a low interest rate.

我从一家授权银行获得了低利率的贷款。

5.Please provide your identification at the authorized bank for verification.

请在授权银行提供你的身份证明以进行验证。

作文

In today's globalized economy, the role of financial institutions has become increasingly significant. Among these institutions, the concept of an authorized bank plays a crucial role in facilitating various financial transactions and ensuring compliance with regulatory frameworks. An authorized bank is a financial institution that has received official permission from the relevant government authorities to operate within a specific jurisdiction. This permission allows the bank to offer a range of services, including accepting deposits, providing loans, and conducting international transactions. The importance of authorized banks cannot be overstated, as they serve as the backbone of the financial system, ensuring stability and trust in monetary transactions.One of the primary functions of an authorized bank is to safeguard the interests of depositors. By being regulated by government bodies, these banks are required to adhere to strict guidelines that protect customer funds. This regulation includes maintaining adequate capital reserves, conducting regular audits, and providing transparency in their operations. As a result, customers can feel secure knowing that their money is in safe hands when deposited in an authorized bank.Moreover, authorized banks play a vital role in the economic development of a country. They provide essential financial services to individuals, businesses, and governments, enabling them to access credit and invest in growth opportunities. For instance, small businesses often rely on loans from authorized banks to expand their operations, hire more employees, and contribute to the overall economy. Without these banks, many would struggle to find the necessary capital to thrive.International trade is another area where authorized banks are indispensable. They facilitate cross-border transactions by offering services such as foreign exchange, letters of credit, and trade financing. These services help mitigate risks associated with international trade, allowing businesses to engage in global markets with confidence. Furthermore, authorized banks often have correspondent banking relationships with foreign banks, which enables them to process international payments efficiently.In addition to their economic functions, authorized banks also play a critical role in combating financial crimes such as money laundering and fraud. Regulatory authorities impose stringent anti-money laundering (AML) and know your customer (KYC) regulations on these banks. By implementing robust compliance programs, authorized banks help detect and prevent illicit activities, thereby contributing to the integrity of the financial system.Despite their significance, authorized banks face numerous challenges in the modern financial landscape. The rise of fintech companies and digital currencies has introduced new competition, forcing traditional banks to adapt rapidly to changing consumer preferences. To remain relevant, authorized banks must embrace technological advancements and innovate their service offerings.In conclusion, the term authorized bank encompasses a wide range of responsibilities and functions that are vital to the health of the financial system. From protecting customer deposits to facilitating international trade and combating financial crime, these banks are essential players in the economy. As we move forward into an increasingly digital world, the role of authorized banks will undoubtedly evolve, but their fundamental purpose of serving the public interest will remain unchanged.

在当今全球化经济中，金融机构的角色变得越来越重要。在这些机构中，授权银行的概念在促进各种金融交易和确保遵守监管框架方面发挥着至关重要的作用。授权银行是指获得相关政府当局正式许可，在特定司法管辖区内运营的金融机构。这种许可使银行能够提供一系列服务，包括接受存款、提供贷款和进行国际交易。授权银行的重要性不容小觑，因为它们作为金融系统的支柱，确保货币交易的稳定性和信任。授权银行的主要功能之一是保护存款人的利益。由于受到政府机构的监管，这些银行必须遵循严格的指导方针，以保护客户资金。这项监管包括维持足够的资本储备、进行定期审计以及提供透明的运营信息。因此，客户可以放心地将他们的资金存入授权银行，因为他们知道自己的钱是安全的。此外，授权银行在国家经济发展中也发挥着至关重要的作用。它们为个人、企业和政府提供基本的金融服务，使他们能够获得信贷并投资于增长机会。例如，小企业通常依赖授权银行的贷款来扩大业务、雇佣更多员工，并为整体经济做出贡献。如果没有这些银行，许多企业在寻找必要的资本以蓬勃发展时将面临困难。国际贸易是授权银行不可或缺的另一个领域。它们通过提供外汇、信用证和贸易融资等服务来促进跨境交易。这些服务有助于减少与国际贸易相关的风险，使企业能够自信地参与全球市场。此外，授权银行往往与外国银行建立对应银行关系，从而使它们能够高效地处理国际支付。除了经济功能外，授权银行在打击金融犯罪（如洗钱和欺诈）方面也发挥着关键作用。监管机构对这些银行施加严格的反洗钱（AML）和了解你的客户（KYC）法规。通过实施强有力的合规程序，授权银行帮助检测和防止非法活动，从而为金融系统的完整性做出贡献。尽管其重要性显著，授权银行在现代金融环境中面临许多挑战。金融科技公司和数字货币的兴起引入了新的竞争，迫使传统银行迅速适应不断变化的消费者偏好。为了保持相关性，授权银行必须接受技术进步并创新其服务产品。总之，授权银行这一术语涵盖了对金融系统健康至关重要的广泛责任和职能。从保护客户存款到促进国际贸易和打击金融犯罪，这些银行都是经济中的重要参与者。随着我们进入一个日益数字化的世界，授权银行的角色无疑会演变，但它们服务公众利益的根本目的将保持不变。