marginal borrower

简明释义

边际借款人［利息再高即不愿再借者］

英英释义

例句

1.Investors are wary of lending to a marginal borrower due to their unstable credit history.

由于信用历史不稳定，投资者对向边际借款人放贷持谨慎态度。

2.The economic downturn has led to an increase in the number of marginal borrowers seeking assistance.

经济衰退导致寻求帮助的边际借款人数量增加。

3.The bank has tightened its lending criteria, making it harder for a marginal borrower to secure a loan.

银行收紧了贷款标准，使得边际借款人更难获得贷款。

4.In a rising interest rate environment, marginal borrowers may struggle to keep up with payments.

在利率上升的环境中，边际借款人可能会难以跟上还款。

5.Lenders often assess the risk associated with a marginal borrower before approving a loan.

贷方通常在批准贷款之前评估与边际借款人相关的风险。

作文

In the complex world of finance, the term marginal borrower refers to individuals or entities that are on the edge of qualifying for a loan. These borrowers typically have low credit scores, insufficient income, or a high debt-to-income ratio, making them less attractive to lenders. Understanding the implications of being a marginal borrower is crucial, especially in times of economic uncertainty.For many, borrowing money is a necessary step towards achieving personal or business goals. However, marginal borrowers face significant challenges. Banks and financial institutions often impose stricter lending criteria, which can exclude these individuals from accessing funds. This exclusion can lead to a cycle of financial instability, as marginal borrowers may resort to high-interest payday loans or other predatory lending practices to meet their financial needs.The impact of being a marginal borrower extends beyond individual circumstances. When a large segment of the population is unable to secure loans, it can stifle economic growth. Businesses may struggle to expand, and consumers may be unable to make significant purchases, leading to decreased demand in the economy. Furthermore, the inability to borrow can prevent marginal borrowers from investing in education, home ownership, or starting a business, all of which are vital for long-term financial stability.It is essential for policymakers to recognize the challenges faced by marginal borrowers. Implementing programs that provide financial education and support can empower these individuals to improve their creditworthiness. Additionally, creating alternative lending options with fair terms can help bridge the gap for those who are often overlooked by traditional banking systems.Moreover, technology has begun to play a role in addressing the needs of marginal borrowers. Fintech companies are developing innovative solutions that assess credit risk differently, using non-traditional data points like payment history on utilities or rental payments. This approach can help more individuals qualify for loans, thereby increasing their access to necessary funds.In conclusion, the concept of the marginal borrower highlights the challenges faced by those on the fringes of the lending market. By understanding the barriers they encounter, we can work towards creating a more inclusive financial system. It is vital for both lenders and policymakers to consider the broader implications of excluding marginal borrowers from the financial ecosystem. With the right support and resources, these individuals can transition from being marginal borrowers to empowered participants in the economy, ultimately benefiting society as a whole.

在复杂的金融世界中，术语边际借款人指的是那些在获得贷款资格边缘的个人或实体。这些借款人通常信用评分较低、收入不足或债务与收入比例过高，使他们对贷款机构的吸引力降低。理解成为边际借款人的含义至关重要，尤其是在经济不确定时期。对于许多人来说，借钱是实现个人或商业目标的必要步骤。然而，边际借款人面临重大挑战。银行和金融机构通常会施加更严格的贷款标准，这可能会将这些个人排除在外。这种排斥可能导致财务不稳定的循环，因为边际借款人可能不得不诉诸高利贷或其他掠夺性借贷做法来满足他们的财务需求。成为边际借款人的影响不仅限于个人情况。当大部分人群无法获得贷款时，会抑制经济增长。企业可能难以扩张，消费者可能无法进行重大购买，导致经济需求下降。此外，无法借款可能会阻止边际借款人投资教育、购房或创业，而这些都是长期财务稳定所必需的。政策制定者必须认识到边际借款人面临的挑战。实施提供金融教育和支持的项目可以使这些个人有能力提高他们的信用worthiness。此外，创造公平条款的替代借贷选项可以帮助弥补那些常常被传统银行系统忽视的人的缺口。此外，科技开始在满足边际借款人需求方面发挥作用。金融科技公司正在开发创新解决方案，以不同的方式评估信用风险，使用非传统数据点，如公用事业或租金支付历史。这种方法可以帮助更多个人获得贷款，从而增加他们获得必要资金的机会。总之，边际借款人的概念突显了那些处于借贷市场边缘的人所面临的挑战。通过理解他们所遇到的障碍，我们可以努力创建一个更具包容性的金融体系。贷款人和政策制定者都必须考虑将边际借款人排除在金融生态系统之外的更广泛影响。通过正确的支持和资源，这些个人可以从边际借款人转变为经济中的赋权参与者，最终使整个社会受益。