credit rationing

简明释义

贷款分配

英英释义

例句

1.In response to rising default rates, many banks resorted to credit rationing 信贷配给 as a risk management strategy.

为了应对上升的违约率，许多银行采用了信贷配给 credit rationing作为风险管理策略。

2.During the economic downturn, banks implemented credit rationing 信贷配给 to limit the number of loans they issued.

在经济衰退期间，银行实施了信贷配给 credit rationing以限制他们发放的贷款数量。

3.Students may face credit rationing 信贷配给 when applying for loans, especially if they lack a credit history.

学生在申请贷款时可能会面临信贷配给 credit rationing，尤其是如果他们缺乏信用记录。

4.The government introduced measures to combat credit rationing 信贷配给 during the financial crisis.

在金融危机期间，政府采取措施来应对信贷配给 credit rationing。

5.Small businesses often struggle with credit rationing 信贷配给 because lenders are hesitant to take risks.

小企业常常面临信贷配给 credit rationing的问题，因为贷方不愿意承担风险。

作文

In the world of economics, the term credit rationing refers to a situation where lenders limit the amount of credit extended to borrowers, despite their willingness to pay higher interest rates. This phenomenon often occurs during times of economic uncertainty or financial crises, when lenders become more risk-averse and tighten their lending standards. The implications of credit rationing can be profound, affecting both individual borrowers and the broader economy.To understand credit rationing, it is essential to consider the factors that lead to its occurrence. One of the primary reasons is the lack of information about borrowers' creditworthiness. Lenders may not have access to complete data regarding a borrower's financial history, leading them to make conservative lending decisions. In such cases, even borrowers who are capable of repaying loans may find themselves unable to secure financing. This creates a mismatch between supply and demand in the credit market, which can stifle economic growth.Moreover, credit rationing can exacerbate existing inequalities within the economy. For instance, small businesses and low-income individuals often face greater challenges in obtaining credit compared to larger corporations or wealthier individuals. When lenders engage in credit rationing, they may prioritize established clients with strong credit histories, leaving those who are already disadvantaged in a precarious position. This can hinder entrepreneurship and innovation, as potential business owners struggle to access the necessary funds to start or expand their ventures.The consequences of credit rationing extend beyond individual borrowers. When credit becomes scarce, consumer spending tends to decline, leading to reduced demand for goods and services. Businesses may respond by cutting back on production, which can result in layoffs and higher unemployment rates. As the economy slows down, the cycle of credit rationing can perpetuate itself, creating a feedback loop that further constrains economic activity.Governments and central banks often recognize the dangers posed by credit rationing and may implement measures to alleviate its effects. For example, during financial crises, central banks might lower interest rates or provide liquidity to banks to encourage lending. Additionally, governments can introduce policies aimed at increasing transparency in the lending process or providing guarantees for loans to high-risk borrowers. These interventions aim to restore confidence in the credit market and stimulate economic recovery.Ultimately, while credit rationing can serve as a protective mechanism for lenders, it also poses significant risks to economic stability and growth. Understanding the dynamics of credit rationing is crucial for policymakers, economists, and individuals alike, as it highlights the delicate balance between risk management and access to capital. By addressing the root causes of credit rationing and fostering a more inclusive lending environment, we can work towards a more resilient economy that supports all participants.

在经济学中，术语信用配给指的是一种情况，借款人尽管愿意支付更高的利率，但贷方限制向他们提供的信用额度。这种现象通常发生在经济不确定或金融危机时期，当贷方变得更加风险厌恶并收紧贷款标准时。信用配给的影响可能是深远的，影响到个人借款人和更广泛的经济。要理解信用配给，必须考虑导致其发生的因素。主要原因之一是关于借款人信用worthiness的信息不足。贷方可能无法获得有关借款人财务历史的完整数据，导致他们做出保守的贷款决定。在这种情况下，即使是能够偿还贷款的借款人也可能发现自己无法获得融资。这在信贷市场上造成了供需不匹配，从而抑制了经济增长。此外，信用配给可能会加剧经济内部现有的不平等。例如，小企业和低收入个人通常在获取信贷方面面临比大型公司或富裕个人更大的挑战。当贷方进行信用配给时，他们可能优先考虑拥有强大信用历史的既有客户，使那些已经处于不利地位的人处于危险境地。这可能会阻碍创业和创新，因为潜在的企业主难以获得启动或扩展业务所需的资金。信用配给的后果超越了个人借款人。当信贷变得稀缺时，消费者支出往往会下降，导致对商品和服务的需求减少。企业可能会因此削减生产，这可能导致裁员和失业率上升。随着经济放缓，信用配给的循环可能自我延续，形成进一步限制经济活动的反馈循环。政府和中央银行通常认识到信用配给所带来的危险，并可能采取措施来缓解其影响。例如，在金融危机期间，中央银行可能会降低利率或向银行提供流动性，以鼓励贷款。此外，政府可以推出旨在增加贷款过程透明度或为高风险借款人提供贷款担保的政策。这些干预旨在恢复信贷市场的信心并刺激经济复苏。最终，虽然信用配给可以作为贷方的保护机制，但它也对经济稳定和增长构成重大风险。理解信用配给的动态对政策制定者、经济学家和个人来说至关重要，因为它突显了风险管理与资本获取之间的微妙平衡。通过解决信用配给的根本原因并促进更具包容性的贷款环境，我们可以朝着支持所有参与者的更具弹性的经济迈进。