collateral; guarantee; gage; security

简明释义

担保品

英英释义

Collateral refers to an asset that a borrower offers to a lender to secure a loan, which can be seized if the borrower defaults.

抵押物是借款人向贷款人提供的一种资产，用于担保贷款，如果借款人违约，贷款人可以没收该资产。

A guarantee is a promise or assurance that something will be done or that a certain condition will be fulfilled, often involving a third party to ensure compliance.

担保是对某事将会发生或某种条件将被满足的承诺或保证，通常涉及第三方以确保遵守。

A gage (or gage) is a pledge or deposit made as security for the fulfillment of a contract or obligation, which may be forfeited if the terms are not met.

质押是一种作为合同或义务履行担保的承诺或押金，如果未能满足条款，则可能被没收。

Security refers to a financial instrument or collateral that provides protection against financial loss or risk, often used in lending and investment contexts.

证券是指一种金融工具或担保，提供对财务损失或风险的保护，通常用于借贷和投资环境。

例句

1.The bank required a guarantee 担保 from a third party before approving the mortgage.

银行在批准抵押贷款之前，要求第三方提供担保。

2.If you cannot repay the loan, the bank will take your collateral 抵押品 as payment.

如果你无法偿还贷款，银行将收回你的抵押品作为支付。

3.The security 保证金 for the rental agreement was paid upfront.

租赁协议的保证金已提前支付。

4.To secure the loan, she had to provide collateral 抵押品 in the form of her car.

为了确保贷款，她不得不提供一辆车作为抵押品。

5.He offered his watch as a gage 抵押物 to borrow money from his friend.

他把手表作为抵押物借钱给朋友。

作文

In the world of finance, understanding the concepts of collateral（抵押物）; guarantee（保证）; gage（质押）; and security（担保） is crucial for both lenders and borrowers. These terms are often used interchangeably, but they have distinct meanings that play significant roles in financial transactions. This essay aims to clarify these terms and explain their importance in securing loans and managing risks.Firstly, collateral refers to an asset that a borrower offers to a lender to secure a loan. If the borrower fails to repay the loan, the lender has the right to seize the collateral to recover their losses. For example, when someone takes out a mortgage to buy a house, the house itself serves as collateral. This arrangement provides security for the lender, as they can sell the property if the borrower defaults on their payments.Next, the term guarantee involves a third party who agrees to take responsibility for the debt if the borrower cannot fulfill their obligations. In this case, the guarantee acts as an additional layer of security for the lender. For instance, a parent may act as a guarantee for their child’s student loan, ensuring that the lender will be repaid even if the child struggles financially. This not only helps the borrower secure the loan but also reduces the risk for the lender, making it easier for borrowers to access funds.The word gage is often used in a legal context, referring to a pledge of property to secure a debt. A gage is similar to collateral, but it specifically implies a transfer of possession. For example, when a borrower gives their car as a gage for a loan, they effectively give the lender the right to possess the car until the debt is paid off. This creates a strong incentive for the borrower to repay the loan, as they do not want to lose their asset permanently.Lastly, security is a broader term that encompasses various forms of protection against financial loss. It can refer to any asset or agreement that provides assurance to a lender. For example, stocks and bonds can be considered security because they represent ownership in a company and can be liquidated to cover debts. Additionally, security can also refer to insurance policies that protect against specific risks, further safeguarding both parties involved in a financial transaction.In conclusion, understanding the differences between collateral, guarantee, gage, and security is essential for anyone involved in borrowing or lending money. Each term plays a unique role in the financial ecosystem, providing various levels of protection and assurance. By grasping these concepts, borrowers can make informed decisions about their financial commitments, while lenders can better assess the risks associated with extending credit. Ultimately, these mechanisms help facilitate trust and stability in the financial system, allowing individuals and businesses to thrive economically.

在金融的世界中，理解collateral（抵押物）、guarantee（保证）、gage（质押）和security（担保）这些概念对于借贷双方都是至关重要的。这些术语常常可以互换使用，但它们具有不同的含义，在金融交易中发挥着重要作用。本文旨在澄清这些术语并解释它们在确保贷款和管理风险中的重要性。首先，collateral指的是借款人提供给贷方以担保贷款的资产。如果借款人未能偿还贷款，贷方有权扣押该collateral以弥补损失。例如，当某人申请抵押贷款购买房屋时，房屋本身就充当了collateral。这种安排为贷方提供了安全保障，因为如果借款人违约，他们可以出售该财产。接下来，guarantee一词涉及到一个第三方同意在借款人无法履行其义务时承担债务责任。在这种情况下，guarantee作为贷方的额外安全层。例如，父母可能会为孩子的学生贷款提供guarantee，确保即使孩子在经济上遇到困难，贷方也能得到偿还。这不仅帮助借款人获得贷款，还降低了贷方的风险，使借款人更容易获得资金。gage这个词通常在法律上下文中使用，指的是用于担保债务的财产质押。gage与collateral类似，但它特别暗示财产的占有转移。例如，当借款人将汽车作为gage用于贷款时，他们实际上赋予贷方在债务偿还之前占有该汽车的权利。这为借款人创造了强烈的激励，以便他们能够偿还贷款，因为他们不想永久失去自己的资产。最后，security是一个更广泛的术语，涵盖了各种形式的财务损失保护。它可以指任何提供对贷方保障的资产或协议。例如，股票和债券可以视为security，因为它们代表了对公司的所有权，并且可以被变现以偿还债务。此外，security还可以指保护特定风险的保险政策，进一步保障了金融交易中双方的利益。总之，理解collateral、guarantee、gage和security之间的差异对于任何参与借贷的人来说都是至关重要的。每个术语在金融生态系统中扮演着独特的角色，提供了不同程度的保护和保障。通过掌握这些概念，借款人可以对其财务承诺做出明智的决策，而贷方则可以更好地评估与扩展信贷相关的风险。最终，这些机制有助于促进金融系统中的信任和稳定，使个人和企业能够在经济上蓬勃发展。