marginal credit

简明释义

边际信贷,边际信用

英英释义

例句

1.The bank offered him a loan despite his marginal credit （边际信用） history.

尽管他的marginal credit （边际信用）历史不佳，银行还是给他提供了贷款。

2.She was approved for a credit card, but with marginal credit （边际信用）, the limit was very low.

她虽然获得了信用卡批准，但由于有marginal credit （边际信用），额度非常低。

3.The company’s marginal credit （边际信用） rating led to higher interest rates on their loans.

该公司的marginal credit （边际信用）评级导致他们的贷款利率更高。

4.Investors are cautious about companies with marginal credit （边际信用） ratings.

投资者对信用评级为marginal credit （边际信用）的公司持谨慎态度。

5.Having marginal credit （边际信用） can make it difficult to rent an apartment.

拥有marginal credit （边际信用）可能会使租房变得困难。

作文

In the realm of finance, understanding various terms and concepts is crucial for making informed decisions. One such term that often arises in discussions about lending and credit is marginal credit. This term refers to the credit extended to borrowers who are considered to be at the edge of creditworthiness. These individuals or entities may not have a strong credit history or may possess characteristics that make lenders hesitant to approve their applications. However, despite these reservations, lenders may still choose to extend marginal credit to them, albeit at higher interest rates or with stricter terms.The concept of marginal credit is particularly relevant in today’s economic climate, where many people are struggling to maintain their financial stability. For instance, during times of economic downturn, traditional lending institutions may tighten their lending criteria, which can leave individuals with limited options. In such scenarios, marginal credit can provide an avenue for those who might otherwise be excluded from accessing necessary funds. This can be especially important for small businesses or individuals seeking to invest in education or home ownership.However, while marginal credit can offer opportunities, it also comes with significant risks. Borrowers who receive this type of credit often face higher interest rates, which can lead to a cycle of debt if they are unable to repay their loans on time. Additionally, lenders who provide marginal credit must carefully assess the potential risks involved, as default rates can be higher among these borrowers. Therefore, it is essential for both parties to approach such arrangements with caution.Moreover, the implications of marginal credit extend beyond individual borrowers. On a broader scale, the proliferation of this type of credit can impact the overall economy. If a significant number of borrowers are unable to meet their repayment obligations, it can lead to increased defaults, which in turn may affect the stability of financial institutions. This could result in tighter credit conditions for all borrowers, even those with good credit histories.In conclusion, marginal credit serves as a double-edged sword in the financial landscape. While it offers a lifeline to those who may otherwise be denied access to credit, it also poses risks that can have far-reaching consequences. Understanding the nuances of marginal credit is vital for both borrowers and lenders alike. As we navigate the complexities of the financial world, it is crucial to remain informed and cautious when dealing with credit options that fall into this category. By doing so, we can better manage our financial health and contribute to a more stable economic environment.

在金融领域，理解各种术语和概念对于做出明智的决策至关重要。其中一个经常在借贷和信用讨论中出现的术语是边际信用。这个术语指的是向那些被认为在信用worthiness边缘的借款人提供的信用。这些个人或实体可能没有强大的信用历史，或者可能具有使贷方犹豫不决的特征。然而，尽管有这些顾虑，贷方仍可能选择向他们提供边际信用，尽管利率较高或条款更严格。边际信用的概念在当今经济气候中尤其相关，因为许多人正在努力维持他们的财务稳定。例如，在经济衰退时期，传统的贷款机构可能会收紧贷款标准，这可能会使个人面临有限的选择。在这种情况下，边际信用可以为那些可能会被排除在外的人提供一条通道。这对小企业或寻求投资教育或购房的个人尤为重要。然而，虽然边际信用可以提供机会，但它也伴随着重大风险。获得这种类型信用的借款人通常面临较高的利率，如果他们无法按时偿还贷款，可能会导致债务循环。此外，提供边际信用的贷方必须仔细评估潜在的风险，因为这些借款人的违约率可能更高。因此，双方在处理此类安排时必须谨慎。此外，边际信用的影响超出了个别借款人。从更广泛的角度来看，这种类型信用的普及可能会影响整体经济。如果大量借款人无法履行还款义务，可能会导致违约增加，从而影响金融机构的稳定。这可能导致所有借款人的信贷条件更加紧张，即使是那些拥有良好信用历史的人。总之，边际信用在金融环境中是一把双刃剑。虽然它为那些可能被拒绝获得信用的人提供了一根救命稻草，但它也带来了可能产生深远后果的风险。理解边际信用的细微差别对借款人和贷方来说都是至关重要的。在我们应对金融世界的复杂性时，了解并谨慎对待落入这一类别的信用选项至关重要。通过这样做，我们可以更好地管理我们的财务健康，并为更稳定的经济环境做出贡献。