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- How to read in Japanese: correspondent bank
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Khi tiền được chuyển giữa các ngân hàng trong cùng một quốc gia, thông thường chỉ có số dư tài khoản tại ngân hàng trung ương của quốc gia đó được ghi lại chứ không phải số tiền thực tế được vận chuyển.
However, when remitting money to a foreign country (outward remittance), banks that have not opened a deposit account at the country’s central bank cannot use this method. Therefore, a correspondent agreement is concluded with a bank that has a deposit account at the central bank of that country, and that bank is called a correspondent bank. A correspondent contract is a contract that serves as a relay for overseas remittances.
For example, when Bank B in Country A sends money to Bank D in Country C, Bank B opens an account with Bank E, which has a deposit account with the central bank in Country C, in advance and enters into a correspondent account agreement. Then, when Bank B sends money to Bank D, it can request Bank E to send the money through the central bank in Country C.