mutual savings bank

glossary / mutual savings bank
A bank that has no capital stock and in which the depositors are the owners. See SAVINGS-AND-LOAN ASSOCIATION. [Cases: Banks and Banking 289; Building and Loan Associations 1. C.J.S. Banks and Banking §§ 599–600; Building and Loan Associations, Savings and Loan Associations, and Credit Unions §§ 2–4.]
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mutual savings bank

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mutual savings bank 〈美〉互助储蓄银行 由储户作为成员组建的无股本的合作性银行机构，其所有者即为该银行的储户。存款凭证上记明利息，目的在于为其成员提供安全的储蓄机制。该银行的经营原则是为不能以自己的资金进行高利润投资的小额存款人提供社会服务，其经营采用合作社方式。一般情况下，互助储蓄银行的所得收入在扣除各项支出和准备金之后，分配给各存款人。许多互助储蓄银行已开始发行股票和提供各种顾客服务业务，如信用卡和支票账户服务；也办理一些商业银行业务，如公司支票账户服务和商业不动产贷款。 (→savings and loan association；savings bank)

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