The word 银行 (yínháng) is formed by combining two meaningful characters: 银 (yín), which means "silver" or "money", and 行 (háng), which in this context means "business establishment" or "institution". It is a conceptual compound where the first character denotes the core commodity (silver, representing currency and wealth) and the second character denotes the type of venue or enterprise that deals with it, thus creating the modern meaning of "bank". The formation is a direct and logical semantic blend, visually representing a "money institution".