paying bank

简明释义

付款银行

英英释义

例句

1.The paying bank verified the signature before releasing the funds.

在释放资金之前，支付银行验证了签名。

2.The paying bank charged a fee for processing the transaction.

该支付银行对处理交易收取了费用。

3.If you want to cash a check, you need to go to the paying bank that issued it.

如果你想兑现支票，你需要去发出这张支票的支付银行。

4.The check was deposited at the paying bank to ensure funds were available.

支票在支付银行存入，以确保资金可用。

5.Customers often choose a local paying bank for convenience.

客户通常选择当地的支付银行以方便。

作文

In the world of finance, various terms and concepts are crucial for understanding how banking systems operate. One such term is the paying bank, which plays a significant role in the process of check clearing and payment transactions. A paying bank refers to the financial institution that is responsible for paying out funds on behalf of its customers when a check is presented for payment. This process ensures that the money is transferred from the account of the check issuer to the recipient's bank account. Understanding the function of a paying bank is essential for anyone involved in financial transactions, whether personally or professionally.When a person writes a check, they are essentially authorizing their paying bank to release a specific amount of money from their account to the individual or entity to whom the check is made out. The paying bank must verify that the account has sufficient funds to cover the amount of the check before processing the payment. This verification process is crucial because it helps prevent overdrafts and ensures that the check can be honored.Once the check is presented to the paying bank, the bank will either approve or decline the payment based on the availability of funds. If the check is approved, the paying bank will deduct the specified amount from the check writer's account and transfer it to the bank of the check recipient. This process is known as check clearing.The importance of the paying bank extends beyond just individual transactions. In the broader context of the banking system, paying banks are integral to maintaining trust and stability within the financial system. They are required to follow strict regulatory guidelines to ensure that they operate fairly and transparently. This oversight helps protect consumers and businesses alike, fostering a secure environment for financial transactions.Moreover, the rise of digital banking has transformed the role of the paying bank. With the advent of online banking and mobile payment systems, customers can now initiate payments instantly without the need for physical checks. However, even in these digital transactions, the concept of a paying bank remains relevant, as funds are still routed through financial institutions that act as the paying agents.In conclusion, the term paying bank represents a critical component of the banking ecosystem. Whether dealing with traditional checks or modern digital payments, understanding the role of a paying bank is vital for navigating the complexities of financial transactions. As technology continues to evolve, the functions of paying banks may also adapt, but their core responsibility of facilitating secure and reliable payments will always remain a fundamental aspect of banking.

在金融世界中，各种术语和概念对于理解银行系统的运作至关重要。其中一个术语是支付银行，它在支票清算和支付交易过程中发挥着重要作用。支付银行是指负责在客户提交支票进行支付时，从其账户中支付资金的金融机构。这个过程确保了资金从支票发行者的账户转移到收款人的银行账户。理解支付银行的功能对于任何参与金融交易的人，无论是个人还是专业人士，都是必不可少的。当一个人开出支票时，他们实际上是在授权其支付银行从其账户中释放特定金额的钱给支票所写的个人或实体。支付银行必须验证账户是否有足够的资金来覆盖支票金额，然后才能处理支付。这个验证过程至关重要，因为它有助于防止透支，并确保支票可以兑现。一旦支票提交给支付银行，银行将根据资金的可用性批准或拒绝支付。如果支票获得批准，支付银行将从支票开具人的账户中扣除指定金额，并将其转移到支票收款人的银行。这一过程被称为支票清算。支付银行的重要性不仅限于单个交易。在更广泛的银行系统背景下，支付银行对于维护金融系统内的信任和稳定至关重要。它们需要遵循严格的监管指南，以确保公平透明地运营。这种监督有助于保护消费者和企业，促进安全的金融交易环境。此外，数字银行的兴起改变了支付银行的角色。随着在线银行和移动支付系统的出现，客户现在可以即时发起支付，而无需实际支票。然而，即使在这些数字交易中，支付银行的概念依然相关，因为资金仍然通过作为支付代理的金融机构进行路由。总之，术语支付银行代表了银行生态系统的一个关键组成部分。无论是处理传统支票还是现代数字支付，理解支付银行的角色对于驾驭金融交易的复杂性至关重要。随着技术的不断发展，支付银行的职能可能也会适应，但其促进安全可靠支付的核心责任始终是银行业务的基本方面。