简述银行账户
[size=4][size=5]Banks hold a number of different types of transactions accounts. And deposit accounts are composed of demand deposits, savings deposits and time deposits, which is the principal source of funds for most banks. They serve as the basic medium of exchange in the economy, accounting for about three-fourths of the total money supply.Because people have different need in daily life, they would like to open different accounts in order to make themselves more convenient. People are closely associated with deposit accounts. The most active account is demand account which is withdrawable on demand by check without the advanced notice to banks. Because of its convenience, people like to open it for their daily cost and they can withdraw money at any time especially urgencies happening without any interest loss. Savings account, which is usually put monthly in a given small amount in a deposit account, is the second favorite choice for people. People always prefer much more profits. Its interest rate would be higher than demand account’s but lower than time account’s. But people want to make as much as money good liquidity, so they would like to store a small amount of their money to get the higher interest monthly. And withdrawing steady deposits is a kind of financing people’s capital.
Time account is withdrawable only after a period of notice. But it provides a high interest rate to compensate people’s loss from inflation. People will open this account in order to store the extra money, not only to earn much more but also help the banks to gather the money to develop the economy.
As we know, small banks hold substantial demand deposit balances in large urban banks, we called it correspondent balances, and the bank we called correspondent. First of all, small banks hold their own demand deposit balances in the large banks, the recipient bank can invest or loan out part of these deposits and earn income for itself; secondly, correspondent balances provide compensation to large correspondent banks for services they provide respondent banks. For example, small banks receive check-clearing, foreign exchange, and trust advisory services from large banks. At last, the correspondent relation was built up.
And the same time, this relationship has its own functions: International settlement, trade financing, foreign exchange, money market, capital market and securities depositories, the liquidation of foreign currency, the RMB financing, bond, project financing and information exchange, personnel training and so on. But the most important function is collecting the demand deposit balances form the small banks, and then use those funds to invest or loan out part of them in order that earn income for themselves, of course, in order to compensate to the small banks, the correspondent banks will give some operations to the small banks, such as check-clearing, foreign exchange, trust advisory services and so on, those operations make the small banks have enough income. [/size][/size]
:daxiaoa :daxiaoa :keaibu :keaibu 银行持有一些不同类型的交易账户。与存款账户组成，活期存款，储蓄存款及定期存款，这是主要的资金来源大部分银行。它们作为基本交易的媒介，在经济，占约四分之三的总货币供应量。
因为人有不同的需要，在日常生活中，他们希望能够打开不同的帐目，以使自己更加方便。人们密切相关存款账户。最活跃帐户是需求户口是withdrawable按需用支票，没有先进通知银行。因为它的方便，人们喜欢打开它，为他们的日常费用，他们可以收回钱，在任何时候都迫切，特别是发生在没有任何利息损失。储蓄帐户，这是通常在每月的某个小数额存款账户，是第二个最喜欢的选择，为人民。人总是喜欢得多的利润。其利率将高于需求户口的，但低于当时户口的。但是，人们也希望向多的钱好，流动性强，所以他们想储存少量的金钱，以获得更高的利息，每月。撤回稳定存款，是一种融资人的资本。
当时户口是withdrawable只有经过一段时间的预告。但它提供了一种高利率，以补偿人民的损失，从通货膨胀。人们将公开这个帐户，以储存额外的钱，这不仅是为了赚更多的，但也有利于银行收集的资金发展经济。
我们都知道，小银行持有大量的活期存款余额在大型城市银行，我们称其为通讯员余额，以及银行，我们所谓的通讯员。首先，小银行持有自己的活期存款余额中，大银行，受援国银行可以投资或贷款的部份，这些存款和赚取收入，为本身;其次，通讯员余额提供补偿，以大型代理行，为他们所提供的服务应诉银行。举例来说，小银行接受检查，结算，外汇，信托和咨询服务，从大型银行。最后，通讯员关系就建立起来。
和相同的时间，这种关系有其自身的功能：国际结算，贸易融资，外汇买卖，货币市场，资本市场和证券托管，清算外币，人民币融资，债券，项目融资和信息交流，人员培训等等。但最重要的功能是搜集活期存款余额形成小型银行，然后用这些资金进行投资或贷款出他们中的一部分，以赚取收入，为自己的，当然，为了弥补给小银行，代理银行将部分业务转到小银行，如检查，结算，外汇，信托咨询服务等，这些业务，使小银行有足够的收入。
;ghost ;ghost ;ghost
翻译了一下~~~~ 楼上翻得不错啊。。有点水平:haotingu :wink
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