社評 0522 我們堅守對社區之承諾
經過多年之籌備，并克服了諸多難題， 環球第一銀行終於在今天正式對外營業。 如果說這是「好夢成真」，更是我們對社區承諾之开始。
銀行是一項公共金融機構， 是被政府機構高度控管之事業， 也是國家經濟之主要命脈。
做為一個社區銀行， 我們主要之服務對象是社區之中小企業， 也是政府希望促進社區經濟繁榮， 所以政府也有許多對銀行貸款之保証。
根據統計，目前全美各地共有4844 家大小銀行， 其中非裔銀行二十家， 拉丁裔三十家， 亞裔共七十三家， 而且有日漸減少之趨勢。
隨着聯邦儲備銀行之不斷升息， 對社區銀行之業務造成嚴重影響， 主要是某些貸款到期時，業主如果重新貸款， 幾乎要付高過一倍的利率， 因此會造成許多業主無法負擔， 在高利率之環境下也使住宅房地產之交易激速下降。
We Stick With Our Commitment To The Community
After years of preparation and overcoming many difficulties, Global One Bank is finally officially open for business today. This is our dream come true, and it is also the beginning of our commitment to the community.
A bank is a public financial institution. It is a business highly controlled by government agencies and the bank is part of our nation’s lifeblood.
As a community bank, our main goal is to serve local business. Our main duty is to promote the economic prosperity of the community.
According to the latest statistics, there are 4,844 banks in America, including 20 African-American banks, 30 Latino banks and 73 Asian banks, and there are decreasing trends.
With the continuing rise in interest rates, it has a made a serious impact on the community banking business. The main reason is that when some loans become due, customers have to pay double the amount of their balances, which is a lot, and many of them can’t afford it. In a high interest rate environment, the transactions of residential real estate also declines.
Our bank just opened. We have not yet made too much of an impact, but we still hope the decline of interest rates will soon benefit all businesses.