indivisible credit

简明释义

不可分割债权

英英释义

例句

1.The concept of indivisible credit is crucial in understanding how certain loans operate.

理解某些贷款运作方式时，不可分割的信用的概念至关重要。

2.The bank offers a loan with an indivisible credit option, meaning you cannot split the amount between different accounts.

银行提供一种贷款，带有不可分割的信用选项，这意味着您无法将金额分配到不同的账户。

3.When applying for a mortgage, it's important to understand how indivisible credit can affect your eligibility.

在申请抵押贷款时，了解不可分割的信用如何影响您的资格是很重要的。

4.Using indivisible credit can sometimes lead to better interest rates from lenders.

使用不可分割的信用有时可以让借款人获得更好的利率。

5.In our investment plan, we decided to use indivisible credit to ensure that all funds are allocated to a single project.

在我们的投资计划中，我们决定使用不可分割的信用以确保所有资金都分配给一个项目。

作文

In today's complex financial landscape, the concept of indivisible credit is becoming increasingly relevant. This term refers to a type of credit that cannot be divided or separated into smaller parts. Unlike traditional loans that can be broken down into smaller increments, indivisible credit represents a whole amount that must be utilized in its entirety. Understanding this concept is essential for both individuals and businesses as it influences how they manage their finances and make investment decisions.To illustrate the importance of indivisible credit, consider a small business seeking a loan to expand its operations. If the bank offers an indivisible credit facility of $100,000, the business must use the entire amount for its intended purpose, such as purchasing new equipment or hiring additional staff. This can be beneficial as it ensures that the funds are allocated toward a specific goal, thereby promoting focused growth. However, it also poses risks; if the business does not have a solid plan in place, taking on such a large amount of credit could lead to financial strain.Moreover, the implications of indivisible credit extend beyond individual borrowers. For lenders, offering this type of credit can streamline their processes. They can assess the risk associated with a single lump sum rather than multiple smaller loans. This can lead to quicker decision-making and potentially lower costs for both the lender and borrower. However, lenders must also be cautious, as the inability to divide the credit means that any default could result in significant losses.In addition to its financial implications, indivisible credit also raises questions about responsibility and accountability. When a borrower takes on a large sum of credit, there is a greater burden to ensure that the funds are used wisely. This necessitates thorough planning and risk assessment before proceeding with such a financial commitment. Borrowers must be aware that with indivisible credit, they cannot easily adjust their borrowing amount if their circumstances change. This inflexibility can be a double-edged sword, providing clarity of purpose while also limiting adaptability.Furthermore, understanding indivisible credit can empower borrowers to negotiate better terms with lenders. If a borrower is aware of the risks and benefits associated with this type of credit, they can advocate for favorable conditions that might mitigate potential downsides. For instance, they may seek lower interest rates or longer repayment periods, which can make managing the credit more feasible.In conclusion, the concept of indivisible credit plays a crucial role in the financial decision-making process for both individuals and businesses. By understanding what indivisible credit entails, borrowers can make more informed choices that align with their financial goals. This knowledge not only aids in responsible borrowing but also fosters a more effective relationship between lenders and borrowers. As the financial world continues to evolve, grasping the nuances of terms like indivisible credit will be essential for navigating the complexities of credit and finance effectively.

在当今复杂的金融环境中，‘indivisible credit’这一概念正变得越来越重要。这个术语指的是一种无法分割或拆分成更小部分的信用。与传统贷款可以被分解为更小的增量不同，‘indivisible credit’代表一个整体金额，必须全部使用。理解这个概念对于个人和企业都至关重要，因为它影响着他们如何管理财务和做出投资决策。为了说明‘indivisible credit’的重要性，可以考虑一家小企业寻求贷款以扩展其运营。如果银行提供了一笔10万美元的‘indivisible credit’贷款，这家企业必须将这笔资金全部用于其预定目的，比如购买新设备或雇用额外员工。这可能是有益的，因为它确保资金被分配到特定目标，从而促进专注的增长。然而，它也带来了风险；如果企业没有一个可靠的计划，承担如此大额的信用可能会导致财务压力。此外，‘indivisible credit’的影响不仅限于个人借款人。对于贷方而言，提供这种类型的信用可以简化他们的流程。他们可以评估与单一总额相关的风险，而不是多个较小贷款的风险。这可以导致更快的决策，并可能降低贷方和借款人的成本。然而，贷方也必须谨慎，因为无法分割的信用意味着任何违约都可能导致重大损失。除了财务影响外，‘indivisible credit’还引发了关于责任和问责的问题。当借款人承担大额信用时，确保资金明智使用的责任就更大。这要求在进行如此财务承诺之前进行彻底的规划和风险评估。借款人必须意识到，凭借‘indivisible credit’，如果情况发生变化，他们无法轻易调整借款金额。这种不灵活性可以是一把双刃剑，提供了明确的目的，同时也限制了适应性。此外，了解‘indivisible credit’可以使借款人更有能力与贷方谈判更好的条款。如果借款人意识到与这种类型的信用相关的风险和好处，他们可以主张有利的条件，以减轻潜在的缺点。例如，他们可能会寻求更低的利率或更长的还款期限，这可以使管理信用变得更加可行。总之，‘indivisible credit’的概念在个人和企业的财务决策过程中发挥着至关重要的作用。通过理解‘indivisible credit’的含义，借款人可以做出更符合其财务目标的明智选择。这种知识不仅有助于负责任的借款，还促进了贷方与借款人之间更有效的关系。随着金融世界的不断发展，掌握像‘indivisible credit’这样的术语的细微差别将对有效应对信用和金融的复杂性至关重要。