社评 0522 我们坚守对社区之承诺

我们坚守对社区之承诺

环球第一银行正式开业

经过多年之筹备，并克服了诸多难题， 环球第一银行终於在今天正式对外营业。 如果说这是「好梦成真」，更是我们对社区承诺之开始。

银行是一项公共金融机构， 是被政府机构高度控管之事业， 也是国家经济之主要命脉。

做為一个社区银行， 我们主要之服务对象是社区之中小企业， 也是政府希望促进社区经济繁荣， 所以政府也有许多对银行贷款之保証。

根据统计，目前全美各地共有4844 家大小银行， 其中非裔银行二十家，  拉丁裔三十家， 亚裔共七十三家， 而且有日渐减少之趋势。

随着联邦储备银行之不断升息， 对社区银行之业务造成严重影响， 主要是某些贷款到期时，业主如果重新贷款， 几乎要付高过一倍的利率，  因此会造成许多业主无法负担， 在高利率之环境下也使住宅房地產之交易激速下降。

我们这家银行开业不久因為受到之影响有限， 但是我们还是企盼经济继续改善，利率下降才是大家的希望。

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.