stand-by credit

简明释义

备用货款安排,备用信用证

英英释义

例句

1.The bank offered a stand-by credit to help us cover unexpected expenses.

银行提供了一项备用信用，以帮助我们应对意外开支。

2.Having a stand-by credit can provide peace of mind in case of emergencies.

拥有备用信用可以在紧急情况下提供安心。

3.She applied for a stand-by credit to have funds available for urgent repairs.

她申请了备用信用以便在需要紧急维修时有资金可用。

4.The company used its stand-by credit to manage cash flow during the downturn.

公司利用其备用信用来管理经济下滑期间的现金流。

5.We secured a stand-by credit facility to ensure liquidity during the project.

我们获得了一个备用信用额度，以确保项目期间的流动性。

作文

In the world of finance and banking, various terms and concepts are crucial for individuals and businesses alike. One such term that often comes up is stand-by credit. This financial instrument plays a significant role in providing assurance and security to borrowers. To fully understand stand-by credit, it is essential to delve into its definition, purpose, and implications in financial transactions.Stand-by credit refers to a type of credit facility that allows a borrower to access funds when needed, typically under specific conditions. It acts as a safety net, ensuring that the borrower has the necessary liquidity to meet unexpected expenses or obligations. This credit can be particularly beneficial for businesses that require flexibility in managing cash flow or for individuals who may face unforeseen financial challenges.The primary purpose of stand-by credit is to provide a backup source of financing. For instance, a company might secure a stand-by credit arrangement with a bank to cover any short-term cash shortages that could arise from delayed payments from clients or unexpected costs. This arrangement gives the business peace of mind, knowing that they have access to funds if their regular cash flow is interrupted.Moreover, stand-by credit can also serve as a tool for enhancing creditworthiness. When a borrower secures a stand-by credit line, it demonstrates to lenders that they are proactive in managing their financial risks. This can lead to improved credit ratings, making it easier for the borrower to obtain additional financing in the future.However, it is important to note that stand-by credit is not free. Borrowers may incur fees for establishing and maintaining this credit line, and interest rates may apply when funds are drawn. Therefore, understanding the terms and conditions associated with stand-by credit is vital for anyone considering this option. Borrowers should carefully evaluate their financial situation and determine whether the benefits outweigh the costs.In addition to its practical applications, stand-by credit also highlights the importance of financial planning and risk management. By having a stand-by credit facility in place, borrowers can better navigate the uncertainties of financial markets and maintain stability in their operations. This foresight can ultimately lead to long-term success and sustainability.In conclusion, stand-by credit is a valuable financial tool that provides borrowers with an added layer of security and flexibility. Understanding its function, benefits, and costs is essential for anyone looking to manage their finances effectively. As we continue to navigate an ever-changing economic landscape, having a stand-by credit option can make all the difference in achieving financial stability and success.

在金融和银行的世界中，各种术语和概念对个人和企业都至关重要。其中一个经常出现的术语是备用信贷。这种金融工具在为借款人提供保障和安全方面发挥着重要作用。要充分理解备用信贷，必须深入其定义、目的及其在金融交易中的影响。备用信贷是指一种信用设施，允许借款人在需要时根据特定条件获取资金。它充当安全网，确保借款人拥有必要的流动性来应对意外费用或义务。这种信贷对于需要灵活管理现金流的企业或可能面临突发财务挑战的个人尤其有利。备用信贷的主要目的是提供备用融资来源。例如，一家公司可能与银行达成备用信贷协议，以覆盖因客户付款延迟或意外费用而可能出现的短期现金短缺。这种安排使企业放心，因为他们知道如果正常现金流受到干扰，他们可以获得资金。此外，备用信贷还可以作为增强信用worthiness的工具。当借款人获得备用信贷额度时，这向贷方表明他们在积极管理财务风险。这可能会导致信用评级的改善，使借款人在未来更容易获得额外融资。然而，重要的是要注意，备用信贷并不是免费的。借款人可能会因建立和维持此信用额度而产生费用，并且在提取资金时可能会适用利率。因此，了解与备用信贷相关的条款和条件对于任何考虑此选项的人来说至关重要。借款人应仔细评估自己的财务状况，并确定收益是否超过成本。除了实际应用外，备用信贷还突显了财务规划和风险管理的重要性。通过设立备用信贷设施，借款人可以更好地应对金融市场的不确定性，并保持运营的稳定。这种前瞻性最终可以导致长期的成功和可持续发展。总之，备用信贷是一种有价值的金融工具，为借款人提供了额外的安全性和灵活性。理解其功能、好处和成本对于任何希望有效管理财务的人来说都是必不可少的。在我们继续应对不断变化的经济环境时，拥有备用信贷选项可以在实现财务稳定和成功方面带来巨大不同。