financial guarantee

简明释义

财务担保

英英释义

例句

1.The lease agreement included a clause about the financial guarantee 财务担保 required from tenants.

租赁协议中包含一条关于租户需提供的财务担保的条款。

2.The contractor was asked to furnish a financial guarantee 财务担保 for the completion of the project.

承包商被要求提供项目完成的财务担保。

3.In case of default, the financial guarantee 财务担保 will cover the outstanding balance.

如果违约，财务担保将覆盖未偿还的余额。

4.The bank required a financial guarantee 财务担保 from the company before approving the loan.

银行在批准贷款之前要求公司提供财务担保。

5.To secure the investment, the startup provided a financial guarantee 财务担保 to the investors.

为了确保投资，这家初创公司向投资者提供了财务担保。

作文

In today's complex financial landscape, the term financial guarantee refers to a commitment made by one party to ensure the payment or performance of another party's financial obligations. This concept is crucial for individuals and businesses alike, as it provides a layer of security and trust in various transactions. A financial guarantee can take many forms, including bank guarantees, surety bonds, and letters of credit, each serving a unique purpose depending on the nature of the agreement. For instance, consider a small business seeking a loan to expand its operations. The bank may require a financial guarantee from a third party, such as a parent company or an investor, to mitigate the risk of default. This guarantee assures the bank that if the small business fails to repay the loan, the guarantor will step in to cover the outstanding amount. As a result, the bank feels more secure in issuing the loan, and the small business gains access to much-needed capital.Moreover, financial guarantees are not limited to loans and credit arrangements. They also play a significant role in real estate transactions. When purchasing a home, buyers often need to provide a financial guarantee to demonstrate their ability to secure financing. This could be in the form of a pre-approval letter from a lender, which indicates that the buyer has been vetted and is likely to obtain the necessary funds to complete the purchase. This assurance not only strengthens the buyer's position but also instills confidence in the seller, facilitating a smoother transaction.In international trade, financial guarantees are essential for mitigating risks associated with cross-border transactions. Importers and exporters often rely on letters of credit issued by banks to guarantee payment. In this scenario, the bank acts as an intermediary, ensuring that the seller receives payment once the goods are shipped and the necessary documentation is provided. This arrangement protects both parties and fosters trust in global commerce.However, while financial guarantees offer numerous benefits, they are not without risks. For the guarantor, providing a financial guarantee means taking on potential liabilities that could impact their financial stability. If the primary party defaults, the guarantor must fulfill the obligation, which could strain their resources. Therefore, it is crucial for anyone considering offering a financial guarantee to carefully assess the risks involved and to ensure they have the capacity to honor the commitment if necessary.In conclusion, the concept of financial guarantee is a vital component of modern finance, providing security and confidence in various transactions. Whether in lending, real estate, or international trade, these guarantees facilitate smoother dealings and foster trust among parties. However, it is essential for all involved to understand the implications and responsibilities that come with such commitments. By doing so, they can navigate the financial landscape more effectively and make informed decisions that protect their interests.

在当今复杂的金融环境中，术语financial guarantee指的是一方对另一方财务义务的支付或履行所做出的承诺。这个概念对个人和企业都至关重要，因为它为各种交易提供了一层安全和信任。financial guarantee可以采取多种形式，包括银行担保、保证金和信用证，每种形式根据协议的性质服务于独特的目的。例如，考虑一家小型企业寻求贷款以扩展其运营。银行可能要求来自第三方的financial guarantee，例如母公司或投资者，以降低违约风险。这个担保向银行保证，如果小企业未能偿还贷款，担保人将介入支付未偿还的金额。因此，银行在发放贷款时感到更加安全，小企业获得了急需的资金。此外，financial guarantees不仅限于贷款和信贷安排。它们在房地产交易中也发挥着重要作用。在购买房屋时，买方通常需要提供financial guarantee来证明他们能够获得融资。这可能表现为来自贷方的预批准信，表明买方已通过审核，并且有可能获得完成购买所需的资金。这种保证不仅增强了买方的地位，还给卖方带来了信心，从而促进了更顺利的交易。在国际贸易中，financial guarantees对于减轻跨境交易相关的风险至关重要。进口商和出口商通常依赖银行发行的信用证来保证付款。在这种情况下，银行充当中介，确保卖方在货物发运并提供必要的文件后收到付款。这种安排保护了双方，促进了全球商业的信任。然而，尽管financial guarantees提供了众多好处，但它们并非没有风险。对于担保人来说，提供financial guarantee意味着承担可能影响其财务稳定性的潜在责任。如果主要方违约，担保人必须履行义务，这可能会对其资源造成压力。因此，任何考虑提供financial guarantee的人都必须仔细评估所涉及的风险，并确保他们有能力在必要时履行承诺。总之，financial guarantee的概念是现代金融的重要组成部分，为各种交易提供安全和信心。无论是在借贷、房地产还是国际贸易中，这些担保促进了更顺畅的交易，并在各方之间建立了信任。然而，所有参与者都必须理解与此类承诺相关的影响和责任。这样，他们才能更有效地在金融环境中导航，并做出保护自身利益的明智决策。