marking down loans

简明释义

标低贷款利息

英英释义

例句

1.They are marking down loans in order to help struggling homeowners refinance their mortgages.

他们正在标记贷款折扣以帮助陷入困境的房主重新融资他们的抵押贷款。

2.The CEO announced a strategy for marking down loans to improve cash flow in the upcoming quarter.

首席执行官宣布了一项策略，旨在标记贷款折扣以改善即将到来的季度的现金流。

3.Due to the economic downturn, many financial institutions are marking down loans to reduce their risk exposure.

由于经济下滑，许多金融机构正在标记贷款折扣以降低风险敞口。

4.Investors are concerned that marking down loans could lead to a decrease in overall asset values.

投资者担心标记贷款折扣可能会导致整体资产价值下降。

5.The bank decided to start marking down loans to attract more customers during the holiday season.

银行决定在假期期间开始标记贷款折扣以吸引更多客户。

作文

In the world of finance, various terms and concepts are crucial for understanding how banks and financial institutions operate. One such term is marking down loans, which refers to the process of reducing the value of loans on a bank's balance sheet. This usually occurs when a loan is deemed to be at risk of default or has already defaulted. The practice of marking down loans is essential for accurately reflecting the financial health of an institution and ensuring that it adheres to regulatory requirements.When a bank issues a loan, it expects to receive regular payments from the borrower. However, if the borrower encounters financial difficulties, the likelihood of repayment diminishes. In such cases, the bank must assess the situation and determine whether it should continue to carry the loan at its original value or if it needs to adjust the value downward. This adjustment is what we refer to as marking down loans.The implications of marking down loans are significant. For one, it affects the bank's profitability. When a loan is marked down, the bank must recognize a loss, which can impact its earnings for the quarter or year. This loss can lead to a decrease in shareholder confidence and may affect the bank's stock price. Additionally, if multiple loans are marked down, it can indicate broader issues within the bank's lending practices or the economy as a whole.Moreover, marking down loans also plays a critical role in risk management. By accurately assessing the value of their loans, banks can make informed decisions about how much capital they need to hold in reserve. This is particularly important in times of economic uncertainty when the risk of default is heightened. Regulators often require banks to maintain certain capital ratios, and failing to accurately mark down loans can lead to regulatory penalties.Investors and analysts closely monitor the practices surrounding marking down loans. A sudden increase in marked-down loans can signal trouble within a financial institution, prompting investors to reassess their positions. Conversely, a stable or decreasing level of marked-down loans can indicate a healthy lending environment and effective risk management practices.In conclusion, the concept of marking down loans is a vital aspect of banking and finance. It serves as a mechanism for banks to manage risk, reflect their financial position accurately, and comply with regulatory standards. Understanding this term is essential for anyone interested in the workings of financial institutions and the broader economic landscape. As we navigate an ever-changing financial environment, keeping an eye on how banks handle their loans will provide valuable insights into their health and stability.

在金融世界中，各种术语和概念对于理解银行和金融机构的运作至关重要。其中一个术语是标记贷款，它指的是在银行资产负债表上减少贷款价值的过程。这通常发生在贷款被认为有违约风险或已经违约时。标记贷款的做法对准确反映机构的财务健康状况以及确保其遵守监管要求至关重要。当银行发放贷款时，它期望从借款人那里定期收到还款。然而，如果借款人遇到财务困难，偿还的可能性就会降低。在这种情况下，银行必须评估情况，并决定是否继续按照原始价值持有贷款，或者是否需要向下调整价值。这一调整就是我们所说的标记贷款。标记贷款的影响是显著的。首先，它会影响银行的盈利能力。当贷款被标记为减值时，银行必须确认损失，这可能会影响其季度或年度的收益。这种损失可能导致股东信心下降，并可能影响银行的股价。此外，如果多个贷款被标记减值，这可能表明银行的贷款实践或整个经济存在更广泛的问题。此外，标记贷款在风险管理中也发挥着关键作用。通过准确评估贷款的价值，银行可以就需要保留多少资本储备做出明智的决策。这在经济不确定时期尤为重要，因为违约风险加大。监管机构通常要求银行保持一定的资本比率，而未能准确标记贷款可能会导致监管处罚。投资者和分析师密切关注与标记贷款相关的做法。标记贷款突然增加可能会发出金融机构内部出现问题的信号，促使投资者重新评估其头寸。相反，稳定或减少的标记贷款水平可能表明健康的贷款环境和有效的风险管理实践。总之，标记贷款的概念是银行和金融的重要方面。它作为银行管理风险、准确反映其财务状况和遵守监管标准的机制。理解这个术语对任何对金融机构及更广泛经济格局感兴趣的人来说都是至关重要的。在我们应对不断变化的金融环境时，关注银行如何处理其贷款将为我们提供有关其健康和稳定的宝贵见解。