collateralized

简明释义

[/kəˈlæt.ər.ə.laɪzd/][/kəˈlæt.ər.ə.laɪzd/]

v. 以……作抵押(collateralize 的过去式和过去分词)

英英释义

Collateralized refers to an asset or loan that is secured by collateral, which is an asset pledged by a borrower to a lender to reduce the risk of default.

抵押是指由抵押品担保的资产或贷款,抵押品是借款人向贷款人承诺的资产,以降低违约风险。

单词用法

collateralized mortgage

抵押贷款

collateralized financing

担保融资

collateralized against property

以财产作为担保

fully collateralized

完全担保的

collateralized by real estate

以房地产作为担保

collateralized with cash

以现金作为担保

collateralized instruments

担保工具

collateralized credit

担保信用

同义词

secured

有担保的

A secured loan requires collateral from the borrower.

有担保的贷款要求借款人提供抵押品。

backed

支持的

The backed assets provide security for the investment.

支持的资产为投资提供安全保障。

guaranteed

保证的

Guaranteed bonds are less risky for investors.

保证债券对投资者来说风险较小。

反义词

unsecured

无担保的

An unsecured loan does not require collateral.

无担保贷款不需要抵押品。

non-collateralized

非担保的

Non-collateralized debt can be riskier for lenders.

非担保债务对贷款人来说可能风险更大。

例句

1.These loans are collateralized through personal guarantees or business assets.

这些贷款通过个人担保或企业资产抵押。

2.By 2006 MBIA had plunged into the much riskier business of guaranteeing collateralized debt obligations, or C.D.O. 's.

到2006年,MBIA开始参与到风险更高的为担保债务凭证提供担保的业务中。

3.SBI Social Lending focuses on securities collateralized consumer loans.

SBI社会借贷公司则专注于证券抵押消费贷款。

4.Collateralized loan obligations are backed primarily by leveraged bank loans.

贷款抵押债券主要由银行杠杆贷款支持。

5.The overheated pursuit of Wall Street of the collateralized debt obligation(CDO) and housing mortgage loan bond(MBS) has gradually pushed the Assets equity ratio higher.

华尔街在对担保债务权证(CDO)和住房抵押贷款债券(MBS)的追逐中,逐渐形成更高的资产权益比率。

6.The composition can be subdivided Collateralized Bond Obligations, and Collateralized loan Obligations.

组成可以细分为抵押债券义务和抵押贷款义务。

7.Many financial instruments are collateralized to enhance their creditworthiness.

许多金融工具是有担保的,以增强其信用度。

8.A collateralized loan typically has better interest rates compared to unsecured loans.

与无担保贷款相比,有担保的贷款通常具有更好的利率。

9.In real estate, properties can be collateralized to secure financing for new projects.

在房地产中,物业可以作为担保来为新项目获得融资。

10.The bank offered a loan that was collateralized by the borrower's property.

银行提供了一笔贷款,该贷款由借款人的财产作为担保

11.Investors are more likely to fund collateralized debt obligations due to lower risk.

由于风险较低,投资者更可能资助有担保的债务义务。

作文

In the world of finance, the term collateralized refers to a loan or financial transaction that is secured by an asset. This means that the borrower provides an asset as collateral to the lender, which acts as a guarantee for the repayment of the loan. If the borrower fails to repay the loan, the lender has the right to seize the collateral. Understanding the concept of collateralized loans is crucial for both borrowers and lenders, as it plays a significant role in risk management and financial stability.For instance, when a person takes out a mortgage to buy a house, the house itself serves as the collateralized asset. In this case, if the homeowner defaults on the mortgage payments, the bank can take possession of the house through foreclosure. This arrangement protects the lender's investment while providing the borrower with the necessary funds to purchase a home. Similarly, businesses often seek collateralized loans to finance expansion projects. By offering equipment, inventory, or real estate as collateral, companies can secure larger loans at lower interest rates compared to unsecured loans.The practice of collateralized lending is not limited to traditional banks; it also extends to various financial instruments. For example, collateralized debt obligations (CDOs) are complex financial products that pool together multiple loans and issue new securities backed by these loans. Investors in CDOs receive payments based on the cash flows generated by the underlying loans. While collateralized investments can offer attractive returns, they also come with risks, particularly if the underlying borrowers default on their loans.Moreover, the rise of technology and fintech companies has introduced innovative ways to utilize collateralized assets. Peer-to-peer lending platforms allow individuals to lend money to others while securing the loans with various forms of collateral, such as vehicles or personal property. This not only provides borrowers with access to funds but also offers lenders a level of security in case of default.However, the reliance on collateralized lending can pose challenges during economic downturns. When asset values decline, borrowers may find themselves in a situation where the collateral is worth less than the outstanding loan amount. This can lead to increased defaults and losses for lenders, creating a ripple effect throughout the financial system. Therefore, it is essential for both parties to carefully assess the value of the collateral and the borrower's ability to repay the loan before entering into a collateralized agreement.In conclusion, the concept of collateralized lending is a fundamental aspect of modern finance, providing a mechanism for risk management and facilitating access to capital. Whether it is through mortgages, business loans, or innovative financial products, understanding how collateralized assets function can empower borrowers and lenders alike. As the financial landscape continues to evolve, staying informed about the implications and risks associated with collateralized transactions will be crucial for making sound financial decisions.

在金融世界中,术语collateralized指的是一种贷款或金融交易,它是由资产担保的。这意味着借款人向贷方提供一项资产作为担保,这项担保作为贷款偿还的保证。如果借款人未能偿还贷款,贷方有权收回担保物。理解collateralized贷款的概念对于借款人和贷方都至关重要,因为它在风险管理和金融稳定中发挥着重要作用。例如,当一个人申请抵押贷款以购买房屋时,房屋本身就是担保资产。在这种情况下,如果房主未能偿还抵押贷款,银行可以通过止赎来占有房屋。这种安排保护了贷方的投资,同时为借款人提供了购买房屋所需的资金。类似地,企业通常寻求collateralized贷款来融资扩展项目。通过提供设备、库存或房地产作为担保,公司可以以低于无担保贷款的利率获得更大的贷款。Collateralized贷款的做法并不限于传统银行;它还扩展到各种金融工具。例如,collateralized债务义务(CDOs)是将多笔贷款汇集在一起并发行新证券的复杂金融产品,这些新证券由这些贷款支持。CDO的投资者根据基础贷款产生的现金流获得支付。虽然collateralized投资可以提供有吸引力的回报,但它们也伴随着风险,特别是在基础借款人违约的情况下。此外,科技和金融科技公司的兴起引入了利用collateralized资产的新方法。点对点借贷平台允许个人在用各种形式的担保(如车辆或个人财产)担保贷款的同时向他人借款。这不仅为借款人提供了获取资金的途径,还为贷方在违约情况下提供了一定程度的安全性。然而,依赖于collateralized贷款在经济低迷期间可能会带来挑战。当资产价值下降时,借款人可能会发现担保的价值低于未偿还的贷款金额。这可能导致违约和贷方的损失增加,从而在金融系统中产生连锁反应。因此,在签订collateralized协议之前,双方必须仔细评估担保的价值和借款人偿还贷款的能力。总之,collateralized贷款的概念是现代金融的基本方面,为风险管理提供了一种机制,并促进了资本的获取。无论是通过抵押贷款、商业贷款还是创新金融产品,理解collateralized资产如何运作可以赋予借款人和贷方力量。随着金融环境的不断演变,了解与collateralized交易相关的影响和风险对于做出明智的财务决策至关重要。