英国金融学论文代写范文:商业银行与小额信贷。三大主要类型的银行包括中央银行、商业银行和投资银行。本文将讨论,分析和理解商业银行小额信贷及其对利率的影响。
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这项研究包括分析和理解商业银行,小额信贷及其对利率的影响。根据牛津高级学习者的字典,利率是当你借出钱或者收回投资钱的时候所要偿还的额外的钱。利益基本上是收费资金的借贷,通常作为年度百分率。
根据爱康(Americans for Community Co-operation in Other Nations),利率是由借款人向贷款人支付作为使用出借人一段时间钱的交换。
银行利息是既作为支出金额来吸引存款也是发放给借款人的财务费用。消费贷款的利息必须由年度成本百分率(APR)来计算。贷款利息也可以包括年费、逾期付款费用,超过限制的费用。利率通常通过每年的资金借贷百分比来传达。利率既可以是固定的也可以是变动的。
银行的名称来源于意大利语,是“桌子/台/计数器”的意思。银行接受支付给贷款人或向借款人收取来自不同利率的存款,贷款；来获取利润。银行也从收取服务费用中获取盈利。三大主要类型的银行包括中央银行、商业银行和投资银行。银行也让客户通过电汇,销售处资金电子过户和自动取款机等其他支付方式来进行支付。
商业银行利率和小额贷款-Interest Rates On Commercial Bank And Microfinance
The research includes the analyzing and understanding of commercial banks and microfinance and their impacts on interest rates.According to Oxford Advanced Learner’s Dictionary,interest is the extra money that you pay back when you borrow money or that you receive when you invest money.Interest is basically the charge for the borrowing of money,generally conveyed as an annual percentage rate.
According to ACCION(Americans for Community Co-operation in Other Nations),Interest rate is the amount paid by a borrower to a lender in exchange for the use of the lender’s money for a certain period of time.
Bank interest is on both as an amount paid to attract deposit funds and a finance charge for money loaned to borrowers.interest that is due on consumer loans must be calculated in terms of an Annual Percentage Rate(APR).Interest on loans may as well include annual fees,late payment fees,and over limit charges.Interest rate is ordinarily conveyed as a percentage per annum which is charged on money borrowed or lent.The interest rate may be fixed or variable.
The name bank derives from the Italian word banco which means“desk/bench/counter”.Bank accepts deposits and makes loans and derives a profit from the difference in the interest paid to lenders and charged to borrowers.Banks as well make profit from fee charged for services.The three major classes of banks include central banks,commercial banks,and investment banks.Banks also enable customer payments thru other payment methods such as telegraphic transfer,EFTPOS,and ATM.
A commercial bank is a type of financial intermediary and a type of bank.Commercial banking is as well known as business banking.It is a bank that provides checking accounts,savings accounts,and money market accounts and that accepts time deposits.Many commercial banks supply trust services,foreign exchange,trade financing,and international banking.Commercial banks provide different types of loans which include secured loans,unsecured loans,and mortgage loans.A commercial bank as a financial institution provides a variety of services that are helpful for business and general purpose.Now a days commercial banks are using microfinance as a part of the institution because of its benefits and the market share its gaining.
