issuing bank

简明释义

开证银行

英英释义

例句

1.When you apply for a credit card, the issuing bank 发卡银行 will review your credit history.

当你申请信用卡时，发卡银行 issuing bank 会审核你的信用历史。

2.The issuing bank 发卡银行 sets the interest rates for your credit card.

发卡银行 issuing bank 为你的信用卡设定利率。

3.The issuing bank 发卡银行 may charge an annual fee for the credit card.

该发卡银行 issuing bank 可能会收取信用卡年费。

4.You can earn rewards points based on your spending with the issuing bank 发卡银行.

你可以根据与发卡银行 issuing bank 的消费赚取奖励积分。

5.If you lose your card, contact your issuing bank 发卡银行 immediately to report it.

如果你丢失了卡，请立即联系你的发卡银行 issuing bank 报告。

作文

In the realm of finance and banking, understanding various terms is crucial for both individuals and businesses. One such term is the issuing bank, which plays a significant role in the world of credit and loans. An issuing bank is a financial institution that provides credit cards or loans to consumers on behalf of a card network such as Visa or MasterCard. This bank is responsible for evaluating the creditworthiness of applicants and deciding whether to approve their requests for credit. In essence, the issuing bank acts as a bridge between the consumer and the credit card network, ensuring that transactions are processed smoothly and securely.When a consumer applies for a credit card, it is the issuing bank that reviews their credit history, income, and other financial factors to determine if they qualify for a credit line. If approved, the issuing bank will issue a credit card that allows the consumer to make purchases up to a specified limit. This process not only helps consumers access funds but also enables them to build their credit history, which is essential for future financial endeavors.Moreover, the issuing bank is responsible for setting the terms and conditions associated with the credit card, including interest rates, fees, and rewards programs. For instance, some issuing banks offer cash back rewards or travel points, incentivizing consumers to use their cards more frequently. This competitive aspect of the issuing bank market encourages financial institutions to create attractive offers that cater to different consumer preferences.In addition to providing credit, the issuing bank also plays a vital role in fraud prevention and customer service. They monitor transactions for any suspicious activity and take necessary actions to protect their customers. If a consumer notices unauthorized charges on their account, it is the issuing bank that they contact to resolve the issue. This relationship between the consumer and the issuing bank is crucial, as trust and reliability are fundamental to the banking sector.Furthermore, the issuing bank also collaborates with merchants and payment processors to facilitate transactions. When a consumer makes a purchase using their credit card, the issuing bank communicates with the merchant's bank to authorize the transaction. This involves verifying that the consumer has sufficient credit available and that the transaction is legitimate. Once approved, the funds are transferred, and the consumer can complete their purchase seamlessly.In conclusion, the concept of an issuing bank is integral to the functioning of modern financial systems. It not only provides consumers with access to credit but also ensures that transactions are secure and efficient. Understanding the role of the issuing bank can empower consumers to make informed financial decisions and navigate the complexities of credit and loans with confidence. As we continue to engage in an increasingly digital economy, the importance of the issuing bank will only grow, highlighting the need for financial literacy among consumers.Overall, the issuing bank serves as a cornerstone of the credit industry, making it essential for individuals and businesses alike to comprehend its functions and significance in their financial lives.

在金融和银行领域，理解各种术语对个人和企业至关重要。其中一个术语是发行银行，它在信用和贷款的世界中扮演着重要角色。发行银行是代表信用卡网络（如Visa或MasterCard）向消费者提供信用卡或贷款的金融机构。该银行负责评估申请人的信用worthiness，并决定是否批准他们的信用申请。从本质上讲，发行银行充当消费者与信用卡网络之间的桥梁，确保交易顺利安全地处理。当消费者申请信用卡时，是发行银行审查他们的信用历史、收入和其他财务因素，以确定他们是否有资格获得信用额度。如果获批，发行银行将发放一张信用卡，允许消费者在指定限额内进行消费。这个过程不仅帮助消费者获取资金，还使他们能够建立信用历史，这对未来的财务事务至关重要。此外，发行银行还负责设定与信用卡相关的条款和条件，包括利率、费用和奖励计划。例如，一些发行银行提供现金返还奖励或旅行积分，激励消费者更频繁地使用他们的卡。这种竞争性使得发行银行市场鼓励金融机构创造吸引不同消费者偏好的优惠。除了提供信贷之外，发行银行在防止欺诈和客户服务方面也发挥着重要作用。他们监控交易以发现任何可疑活动，并采取必要措施保护客户。如果消费者注意到他们账户上的未经授权的收费，正是发行银行是他们联系以解决问题的对象。这种消费者与发行银行之间的关系至关重要，因为信任和可靠性是银行业的基础。此外，发行银行还与商家和支付处理方合作，以促进交易。当消费者使用信用卡进行购买时，发行银行会与商家的银行沟通以授权交易。这涉及验证消费者是否有足够的信用可用，以及交易是否合法。一旦获得批准，资金就会转移，消费者可以无缝完成他们的购买。总之，发行银行的概念是现代金融系统运作的基石。它不仅为消费者提供了获取信贷的机会，还确保交易安全高效。理解发行银行的作用可以使消费者做出明智的财务决策，自信地应对信用和贷款的复杂性。随着我们继续参与日益数字化的经济，发行银行的重要性只会增加，强调了消费者财务素养的必要性。总体而言，发行银行作为信用行业的基石，使得个人和企业都必须理解其功能及其在财务生活中的重要性。