delinquency rate on loans

简明释义

贷款拖欠率

英英释义

例句

1.The bank reported a decrease in the delinquency rate on loans this quarter, indicating improved repayment behavior among borrowers.

银行报告称，本季度贷款违约率有所下降，表明借款人的还款行为有所改善。

2.To mitigate risks, the financial institution closely monitors the delinquency rate on loans and adjusts its lending policies accordingly.

为了降低风险，金融机构密切监控贷款违约率，并相应调整其贷款政策。

3.The economic downturn has resulted in an increase in the delinquency rate on loans across various sectors.

经济衰退导致各个行业的贷款违约率上升。

4.Investors are concerned about the rising delinquency rate on loans as it may affect the bank's profitability.

投资者对不断上升的贷款违约率感到担忧，因为这可能会影响银行的盈利能力。

5.A high delinquency rate on loans can lead to tighter lending standards by banks.

高贷款违约率可能导致银行收紧贷款标准。

作文

The financial health of individuals and institutions is often evaluated through various metrics, one of which is the delinquency rate on loans. This term refers to the percentage of loans that are past due or in default compared to the total number of loans issued. Understanding the delinquency rate on loans is crucial for lenders, investors, and policymakers as it serves as an indicator of economic stability and credit risk. When the delinquency rate on loans rises, it can signal potential problems in the economy, such as rising unemployment or declining consumer confidence.In recent years, many economies have experienced fluctuations in their delinquency rate on loans. For instance, during economic downturns, the delinquency rate on loans tends to increase as individuals struggle to meet their financial obligations. This trend can be attributed to various factors, including job losses, reduced income, and unexpected expenses. Consequently, lenders may face higher risks, which can lead to tighter lending standards and increased interest rates.Moreover, the delinquency rate on loans can vary significantly across different types of loans. For example, mortgage loans typically have a lower delinquency rate on loans compared to credit card debt. This difference can be explained by the fact that mortgages are often viewed as essential investments, whereas credit card debt is more discretionary. As a result, borrowers may prioritize their mortgage payments over other debts during financial hardship.Understanding the implications of the delinquency rate on loans extends beyond individual borrowers. It also affects financial institutions and the broader economy. A high delinquency rate on loans can lead to increased provisions for loan losses, which can impact a bank's profitability and capital reserves. In turn, this can restrict the bank's ability to lend, creating a cycle that can further exacerbate economic challenges.To mitigate the risks associated with high delinquency rates on loans, lenders often implement various strategies. These may include offering loan modifications, refinancing options, or even temporary payment relief to borrowers facing financial difficulties. By doing so, lenders aim to reduce the delinquency rate on loans and help borrowers regain their financial footing.In conclusion, the delinquency rate on loans is a critical metric that reflects the financial health of both borrowers and lenders. It provides valuable insights into economic conditions and can influence lending practices and policies. By keeping a close eye on the delinquency rate on loans, stakeholders can make informed decisions to navigate the complexities of the financial landscape effectively. As we move forward, understanding and addressing the factors that contribute to changes in the delinquency rate on loans will be essential for ensuring economic stability and fostering sustainable growth.

个人和机构的财务健康状况通常通过多种指标进行评估，其中之一是贷款逾期率。这个术语指的是逾期或违约的贷款占发放贷款总数的百分比。理解贷款逾期率对于贷方、投资者和政策制定者至关重要，因为它作为经济稳定性和信用风险的指标。当贷款逾期率上升时，可能会预示着经济潜在问题，例如失业率上升或消费者信心下降。近年来，许多经济体的贷款逾期率经历了波动。例如，在经济低迷时期，贷款逾期率往往会增加，因为个人难以满足财务义务。这一趋势可以归因于多种因素，包括失业、收入减少和意外支出。因此，贷方可能面临更高的风险，这可能导致更严格的贷款标准和更高的利率。此外，不同类型的贷款之间的贷款逾期率可能显著不同。例如，抵押贷款的贷款逾期率通常低于信用卡债务。这一差异可以通过以下事实解释：抵押贷款通常被视为必要的投资，而信用卡债务则更具选择性。因此，在财务困难期间，借款人可能会优先考虑抵押贷款的还款，而不是其他债务。理解贷款逾期率的影响不仅限于个别借款人。它还影响金融机构和更广泛的经济。高贷款逾期率可能导致贷款损失准备金的增加，这可能会影响银行的盈利能力和资本储备。反过来，这可能限制银行的贷款能力，造成进一步加剧经济挑战的循环。为了减轻与高贷款逾期率相关的风险，贷方通常实施各种策略。这些可能包括为面临财务困难的借款人提供贷款修改、再融资选项或甚至临时付款减免。通过这样做，贷方旨在降低贷款逾期率并帮助借款人恢复财务状况。总之，贷款逾期率是一个关键指标，反映了借款人和贷方的财务健康状况。它提供了对经济状况的宝贵洞察，并可能影响贷款实践和政策。通过密切关注贷款逾期率，利益相关者可以做出明智的决策，以有效应对复杂的金融环境。随着我们向前发展，理解和解决导致贷款逾期率变化的因素将对确保经济稳定和促进可持续增长至关重要。