The Second bank of the United States was Alexander Hamilton's second attempt at establishing a National bank that he believed was necessary to ensure stability in the currency and fiscal operations of government.
This bank had more capital than its predecessor as it was 80% owned by four thousand wealthy private individuals who by buying stock in it, gave it the aforementioned capital.
Spheres of influence are areas in which the imperial powers had exclusive trading rights or railroad-building and mining privileges. Granting Europeans these rights weakened the power of the Qing.