member bank

简明释义

储蓄信贷银行

英英释义

例句

1.To access the shared resources, you need to be a part of a member bank 会员银行.

要访问共享资源，您需要成为一家会员银行 member bank 的一部分。

2.As a customer of a member bank 会员银行, you can enjoy lower fees on transactions.

作为一家会员银行 member bank 的客户，您可以享受更低的交易费用。

3.Each member bank 会员银行 in the network must follow the same compliance regulations.

网络中的每一家会员银行 member bank 必须遵循相同的合规规定。

4.The loan was approved by the member bank 会员银行 that we applied to last week.

我们上周申请的贷款得到了批准，由会员银行 member bank 批准。

5.The member bank 会员银行 offers competitive interest rates for savings accounts.

这家会员银行 member bank 为储蓄账户提供有竞争力的利率。

作文

In the world of finance, the term member bank refers to a financial institution that is part of a larger network or organization, typically a central bank or a banking association. These banks are essential components of the financial system because they adhere to specific regulations and standards set forth by the governing body they belong to. Understanding the role of a member bank can provide valuable insights into how banking and financial systems operate on both national and global scales.A member bank is often required to maintain certain reserves and follow guidelines that promote stability and trust in the banking system. For instance, in the United States, member banks are part of the Federal Reserve System, which comprises various banks that work together to influence monetary policy and ensure economic stability. By being a member bank, these institutions gain access to various resources, including the ability to borrow from the Federal Reserve, which can be crucial during times of financial distress.Furthermore, member banks enjoy certain privileges that non-member banks do not have. They can participate in the payment systems established by the central bank, which facilitates smoother transactions between financial institutions. This participation is vital for maintaining liquidity in the economy, as it ensures that funds can be transferred quickly and efficiently between banks.The relationship between member banks and the central bank also fosters a sense of accountability. Member banks must comply with regular audits and assessments to ensure they are operating within the legal framework and maintaining sound financial practices. This oversight helps protect consumers and investors, as it minimizes the risk of bank failures that could lead to significant economic turmoil.Moreover, member banks play a critical role in implementing monetary policy. Central banks often use these institutions as conduits to transmit policy changes to the broader economy. For example, when the central bank adjusts interest rates, member banks are responsible for modifying their lending rates accordingly, which can directly impact consumer spending and investment decisions.In addition to their regulatory responsibilities, member banks also contribute to community development. Many of these banks engage in various initiatives aimed at improving the economic conditions of the areas they serve. This may include offering loans to small businesses, providing financial education, or supporting local infrastructure projects. By doing so, member banks not only fulfill their obligations to their members but also enhance their reputations and strengthen their ties to the communities they serve.In conclusion, the concept of a member bank is integral to understanding the broader banking landscape. These institutions are not just financial entities; they are essential players in maintaining economic stability, facilitating transactions, and promoting community development. As we navigate the complexities of modern finance, recognizing the importance of member banks can help us appreciate the interconnectedness of our financial systems and the role these banks play in shaping our economies. The collaboration among member banks, regulatory bodies, and the communities they serve is vital for fostering a resilient and thriving financial environment.

在金融世界中，术语member bank指的是属于更大网络或组织（通常是中央银行或银行协会）的金融机构。这些银行是金融系统的重要组成部分，因为它们遵循由其所属的监管机构设定的特定法规和标准。理解member bank的角色可以为我们提供关于国家和全球金融系统运作的宝贵见解。member bank通常需要维持一定的储备，并遵循促进银行系统稳定和信任的指南。例如，在美国，会员银行是美联储系统的一部分，该系统由多个银行组成，这些银行共同努力影响货币政策并确保经济稳定。作为member bank，这些机构可以获得各种资源，包括在金融危机时期向美联储借款的能力，这可能至关重要。此外，member banks享有某些非会员银行所没有的特权。它们可以参与中央银行建立的支付系统，从而促进金融机构之间的更顺畅交易。这种参与对保持经济流动性至关重要，因为它确保资金可以在银行之间快速有效地转移。member banks与中央银行之间的关系也促进了一种问责感。会员银行必须遵守定期审计和评估，以确保它们在法律框架内运作并保持健全的财务实践。这种监督有助于保护消费者和投资者，因为它最小化了可能导致重大经济动荡的银行失败风险。此外，member banks在实施货币政策方面也发挥着关键作用。中央银行通常利用这些机构作为将政策变化传递给更广泛经济的渠道。例如，当中央银行调整利率时，member banks负责相应修改其贷款利率，这可以直接影响消费者支出和投资决策。除了其监管责任外，member banks还为社区发展做出了贡献。许多这些银行参与各种旨在改善其服务地区经济条件的倡议。这可能包括向小企业提供贷款、提供金融教育或支持地方基础设施项目。通过这样做，member banks不仅履行了对其成员的义务，还提升了他们的声誉并加强了与所服务社区的联系。总之，member bank的概念对于理解更广泛的银行格局至关重要。这些机构不仅仅是金融实体；它们是维护经济稳定、促进交易和推动社区发展的重要参与者。随着我们在现代金融的复杂性中航行，认识到member banks的重要性可以帮助我们欣赏金融系统的相互关联性以及这些银行在塑造我们经济中的作用。member banks、监管机构和它们所服务社区之间的合作对促进一个具有韧性和繁荣的金融环境至关重要。