nonperforming; default

简明释义

不履约

英英释义

例句

1.Investors are worried about the possibility of the company's bonds going into default (违约).

投资者担心该公司债券可能会违约。

2.A significant portion of the portfolio consists of nonperforming (不良贷款) assets, which is alarming for shareholders.

投资组合中有相当大一部分是不良资产，这让股东感到担忧。

3.The government introduced measures to reduce the number of nonperforming (不良贷款) loans in the banking sector.

政府采取措施减少银行业的不良贷款数量。

4.If the borrower fails to make payments, the loan will be considered default (违约).

如果借款人未能按时还款，该贷款将被视为违约。

5.The bank reported a rise in loans classified as nonperforming (不良贷款) due to the economic downturn.

由于经济下滑，银行报告称不良贷款的数量上升。

作文

In the world of finance, understanding the terms 'nonperforming' and 'default' is crucial for both investors and borrowers. A loan is considered nonperforming when the borrower has not made any scheduled payments for a certain period, typically 90 days or more. This situation often raises red flags for lenders, as it indicates that the borrower may be facing financial difficulties. The consequences of a nonperforming loan can be severe, leading to a loss of income for the lender and potential foreclosure on collateral assets. On the other hand, 'default' refers to the failure to meet the legal obligations or conditions of a loan. A default can occur when a borrower misses a payment or fails to comply with other terms outlined in the loan agreement. While all nonperforming loans are defaults, not all defaults are classified as nonperforming. For example, a borrower might miss a payment due to temporary cash flow issues but may catch up shortly after. However, if the missed payments continue, the loan will eventually become nonperforming.The implications of these terms extend beyond individual borrowers. Financial institutions that hold a significant amount of nonperforming loans may face liquidity issues, impacting their ability to lend to other customers. This can create a ripple effect in the economy, as businesses may struggle to secure financing for expansion or operations. Moreover, high levels of nonperforming loans can lead to stricter lending standards, making it more challenging for borrowers with good credit histories to obtain loans.To mitigate the risks associated with nonperforming loans, lenders often implement various strategies. These may include restructuring the loan terms to make payments more manageable for the borrower or offering temporary forbearance options. In some cases, lenders may choose to sell nonperforming loans to specialized firms that focus on debt recovery. This allows the original lender to recoup some losses while transferring the risk to another party.Understanding the dynamics of nonperforming loans and defaults is essential for anyone involved in the financial sector. Investors need to assess the quality of a lender's loan portfolio, while borrowers should be aware of the potential consequences of falling behind on payments. By recognizing the signs of a nonperforming loan early on, borrowers can take proactive steps to address their financial challenges before they escalate into a default.In conclusion, the terms nonperforming and default play a significant role in the financial landscape. They highlight the importance of timely payments and responsible borrowing. As the economy continues to evolve, staying informed about these concepts will empower both lenders and borrowers to make better financial decisions.

在金融领域，理解“nonperforming”和“default”这两个术语对投资者和借款人来说至关重要。当借款人未能在特定时期内（通常为90天或更长时间）进行任何计划支付时，贷款被视为nonperforming。这种情况通常会引起贷方的警觉，因为它表明借款人可能面临财务困难。nonperforming贷款的后果可能是严重的，导致贷方收入损失和对抵押资产的潜在止赎。另一方面，“default”指的是未能满足贷款的法律义务或条件。当借款人错过付款或未能遵守贷款协议中列出的其他条款时，就会发生违约。虽然所有的nonperforming贷款都是违约，但并非所有违约都被归类为nonperforming。例如，借款人可能由于临时现金流问题而错过付款，但可能会在不久之后赶上。然而，如果错过的付款持续下去，贷款最终将变为nonperforming。这些术语的影响超出了个别借款人。持有大量nonperforming贷款的金融机构可能面临流动性问题，影响其向其他客户放贷的能力。这可能在经济中产生连锁反应，因为企业可能难以获得扩张或运营所需的融资。此外，高水平的nonperforming贷款可能导致更严格的放贷标准，使信誉良好的借款人更难获得贷款。为了降低与nonperforming贷款相关的风险，贷方通常会实施各种策略。这些可能包括重组贷款条款，以使借款人的还款更加可管理，或提供临时宽限选项。在某些情况下，贷方可能选择将nonperforming贷款出售给专注于债务回收的专业公司。这使得原贷方能够收回一些损失，同时将风险转移给另一方。理解nonperforming贷款和违约的动态对于任何参与金融行业的人来说都是至关重要的。投资者需要评估贷方贷款组合的质量，而借款人则应意识到逾期付款的潜在后果。通过及早识别nonperforming贷款的迹象，借款人可以采取主动措施来解决财务挑战，以免升级为违约。总之，nonperforming和default这两个术语在金融领域发挥着重要作用。它们突显了及时付款和负责任借贷的重要性。随着经济的不断发展，了解这些概念将使贷方和借款人能够做出更好的财务决策。