chartered bank

简明释义

特许银行

英英释义

例句

1.I opened a savings account at a chartered bank.

我在一家特许银行开了一个储蓄账户。

2.You can easily transfer money between accounts at any chartered bank branch.

你可以在任何特许银行的分行轻松转账。

3.The chartered bank offers competitive interest rates on loans.

这家特许银行提供具有竞争力的贷款利率。

4.Many people trust their finances with a chartered bank due to its regulatory oversight.

由于监管机构的监督，许多人信任特许银行来管理他们的财务。

5.A chartered bank must meet specific requirements set by the government.

一家特许银行必须满足政府设定的特定要求。

作文

A chartered bank is a financial institution that has been granted a charter by a national or regional government, allowing it to operate as a bank. This charter provides the bank with the authority to conduct banking activities such as accepting deposits, making loans, and providing various financial services to customers. In many countries, chartered banks are subject to strict regulations and oversight to ensure their stability and protect the interests of depositors. The significance of chartered banks in the economy cannot be overstated. They play a critical role in the financial system by facilitating the flow of money and credit. By accepting deposits from individuals and businesses, these banks create a pool of funds that can be lent out to borrowers. This process not only helps individuals achieve their financial goals, such as buying a home or starting a business, but it also stimulates economic growth by enabling investment and consumption.Moreover, chartered banks are often seen as a safe place for individuals to store their money. The backing of a government charter typically means that these banks must adhere to certain capital requirements and risk management practices, which can provide an added layer of security for depositors. In many jurisdictions, deposits in chartered banks are insured up to a certain limit, further enhancing public confidence in these institutions.In addition to traditional banking services, chartered banks have evolved to offer a wide range of financial products and services, including investment advice, wealth management, and insurance. This diversification allows them to cater to the varying needs of their customers, whether they are individuals, small businesses, or large corporations. As the financial landscape continues to change with advancements in technology and shifts in consumer behavior, chartered banks are also adapting by incorporating digital banking solutions and improving customer service.However, chartered banks also face challenges. The global financial crisis of 2008 highlighted vulnerabilities in the banking sector and led to increased scrutiny and regulation of these institutions. Many chartered banks were forced to strengthen their balance sheets and enhance their risk management practices to prevent future crises. Additionally, the rise of fintech companies has introduced new competition, pushing chartered banks to innovate and improve their offerings to retain customers.In conclusion, chartered banks are essential components of the financial system, providing a safe and regulated environment for individuals and businesses to manage their finances. Their role in facilitating economic activity, combined with the ongoing evolution of the banking industry, underscores the importance of these institutions in our daily lives. As we move forward, it will be interesting to see how chartered banks continue to adapt to changing market conditions and technological advancements while maintaining their core functions of safeguarding deposits and providing credit to those in need.

一家特许银行是指由国家或地区政府授予特许权的金融机构，允许其作为银行运营。该特许权赋予银行进行银行业务的权力，例如接受存款、发放贷款以及为客户提供各种金融服务。在许多国家，特许银行受到严格的监管和监督，以确保其稳定性并保护存款人的利益。特许银行在经济中的重要性不容小觑。它们通过促进资金和信贷的流动，在金融体系中发挥着关键作用。通过接受个人和企业的存款，这些银行创造了一池资金，可以借给借款人。这一过程不仅帮助个人实现他们的财务目标，例如购买房屋或创办企业，而且通过促进投资和消费来刺激经济增长。此外，特许银行通常被视为个人存储资金的安全场所。政府特许的支持通常意味着这些银行必须遵守某些资本要求和风险管理实践，这可以为存款人提供额外的安全保障。在许多司法管辖区，特许银行的存款在一定限额内受到保险，进一步增强了公众对这些机构的信心。除了传统的银行服务外，特许银行还发展出了广泛的金融产品和服务，包括投资建议、财富管理和保险。这种多样化使它们能够满足客户的不同需求，无论是个人、小型企业还是大型公司。随着技术进步和消费者行为的变化，特许银行也在通过引入数字银行解决方案和改善客户服务来适应。然而，特许银行也面临挑战。2008年的全球金融危机突显了银行部门的脆弱性，并导致对这些机构的审查和监管增加。许多特许银行被迫加强其资产负债表，并提升其风险管理实践，以防止未来的危机。此外，金融科技公司的崛起带来了新的竞争，迫使特许银行创新并改善其产品，以留住客户。总之，特许银行是金融系统的重要组成部分，为个人和企业提供一个安全和受监管的环境来管理他们的财务。它们在促进经济活动方面的作用，加上银行业不断演变，凸显了这些机构在我们日常生活中的重要性。随着我们向前发展，观察特许银行如何继续适应市场条件和技术进步，同时保持其保护存款和为有需要者提供信贷的核心职能，将是非常有趣的。