بانکهای پسانداز (Saving Banks)
بانک دولتی، بانکی است که به جای سرمایهگذار ان خصوصی، در اصل توسط نهاد دولتی کنترل و تأمین وجه میشود و در اصل مؤسسه ای منبعث از نهاد حاکمیتی به وجود آورنده خود یعنی دولت، کشور یا شهرداری است. این نهاد حاکمیتی همه درآمدها، مالیاتها، کارمزدها و سایر عایدی ها را در بانک مربوطه سپردهگذاری کرده و در عین حال میتواند از بانک مذکور استقراض نیز بکند.
English Definition 1. A public bank is a bank that is controlled by and principally funded by a government body rather than by private investors. In essence, it is an extension of the governing body that created it — state, county, or city government. The governing body for the bank deposits all its revenue, taxes, fees, and other earnings, in the bank. In addition, it can borrow from their bank.
English Definition 2. A public bank is a bank, a financial institution, in which a state, municipality, or public actors are the owners. It is an enterprise under government control. Public or 'state-owned' banks proliferated globally in the late 19th and early 20th centuries as vital agents of industrialisation in capitalist and socialist countries alike; as late as 2012, state banks still owned and controlled up to 25 per cent of total global banking assets.
Reference address 1. http://bankingoncolorado.org/what-are-public-banks-and-how-do-they-benefit-us
Reference address 2. Marois, Thomas (2016). "State-Owned Banks and Development: Dispelling Mainstream Myths". Handbook of Research on Comparative Economic Development Perspectives on Europe and the MENA Region: 52–72.
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