stand-by credit arrangement

简明释义

备用信货安排

英英释义

例句

1.The company secured a stand-by credit arrangement to ensure liquidity during the off-peak season.

公司获得了一个备用信贷安排以确保在淡季期间的流动性。

2.The stand-by credit arrangement allowed the business to manage unexpected expenses effectively.

这个备用信贷安排使企业能够有效管理意外开支。

3.Before starting the project, they established a stand-by credit arrangement with their bank.

在启动项目之前，他们与银行建立了一个备用信贷安排。

4.During economic downturns, many companies rely on a stand-by credit arrangement to stay afloat.

在经济衰退期间，许多公司依赖于备用信贷安排来维持运营。

5.She was relieved to have a stand-by credit arrangement in place for her new startup.

她很高兴为她的新创业公司准备了一个备用信贷安排。

作文

In the world of finance, businesses often face uncertainties that can impact their cash flow. To mitigate these risks, many companies turn to various financial instruments, one of which is the stand-by credit arrangement. This financial tool serves as a safety net, providing access to funds when needed, without the immediate requirement to draw on them. Essentially, a stand-by credit arrangement is a pre-approved line of credit that a borrower can utilize in times of financial need.The significance of a stand-by credit arrangement lies in its ability to provide liquidity and enhance financial stability. For instance, a company might experience unexpected expenses or a temporary dip in revenue. In such cases, having a stand-by credit arrangement allows the business to cover its operational costs without disrupting its day-to-day activities. This can be particularly crucial for small to medium-sized enterprises (SMEs) that may not have substantial cash reserves.Moreover, a stand-by credit arrangement can improve a company’s creditworthiness. By demonstrating that it has access to additional funds, a business can present itself as a lower-risk borrower to potential lenders and investors. This perception can lead to better financing terms in the future, as lenders often view businesses with solid backup plans more favorably.However, it is essential to understand the costs associated with a stand-by credit arrangement. While it offers flexibility, banks typically charge fees for setting up this type of credit. Additionally, interest rates may apply when funds are drawn from the arrangement. Therefore, businesses must carefully evaluate whether the benefits outweigh the costs before entering into such an agreement.Another important aspect of a stand-by credit arrangement is its role in strategic planning. Companies can use this financial tool to prepare for future projects or expansions. By securing a stand-by credit arrangement, a business can ensure that it has the necessary resources to seize opportunities as they arise, whether it is launching a new product, entering a new market, or acquiring another company.In conclusion, a stand-by credit arrangement is a valuable financial resource that can provide businesses with the flexibility and security they need to navigate uncertain economic conditions. While it comes with certain costs, the advantages of having access to immediate funds and enhancing creditworthiness can make it a worthwhile consideration for many companies. As businesses continue to operate in a dynamic environment, understanding and utilizing tools like the stand-by credit arrangement can be crucial for long-term success and sustainability.

在金融世界中，企业常常面临可能影响现金流的不确定性。为了减轻这些风险，许多公司转向各种金融工具，其中之一就是备用信用安排。这一金融工具作为安全网，在需要时提供资金的获取，而无需立即提取资金。基本上，备用信用安排是一条预先批准的信用额度，借款人在财务需要时可以利用。备用信用安排的重要性在于它能够提供流动性并增强财务稳定性。例如，一家公司可能会遭遇意外支出或暂时的收入下降。在这种情况下，拥有备用信用安排允许企业覆盖其运营成本，而不会干扰日常活动。这对小型和中型企业（SME）尤为关键，因为它们可能没有大量的现金储备。此外，备用信用安排还可以提高公司的信用度。通过展示其可获得额外资金的能力，企业可以向潜在的贷款人和投资者呈现自己为低风险借款人的形象。这种看法可能会导致未来更好的融资条款，因为贷款人通常对拥有良好备选计划的企业持更有利的态度。然而，了解与备用信用安排相关的成本是至关重要的。虽然它提供灵活性，但银行通常会收取设置此类信用的费用。此外，当从该安排中提取资金时，可能会适用利率。因此，企业在签订此类协议之前，必须仔细评估收益是否超过成本。备用信用安排的另一个重要方面是它在战略规划中的作用。公司可以利用这一金融工具为未来的项目或扩展做好准备。通过确保获得备用信用安排，企业可以确保在机会出现时拥有必要的资源，无论是推出新产品、进入新市场还是收购其他公司。总之，备用信用安排是一个有价值的金融资源，可以为企业提供灵活性和安全性，使其能够应对不确定的经济状况。尽管它带来了一定的成本，但获得即时资金和增强信用度的优势使其成为许多公司值得考虑的选择。在企业继续在动态环境中运营之际，理解和利用像备用信用安排这样的工具对于长期成功和可持续发展至关重要。