borrower's liabilities on account of guaranty

简明释义

担保债务

英英释义

例句

1.When calculating net worth, one must consider the borrower's liabilities on account of guaranty as part of the equation.

在计算净资产时，必须将借款人因担保而产生的负债视为方程的一部分。

2.In case of default, the lender will pursue the borrower's liabilities on account of guaranty to recover losses.

在违约的情况下，贷方将追索借款人因担保而产生的负债以弥补损失。

3.It's crucial for lenders to understand the borrower's liabilities on account of guaranty when evaluating risk.

在评估风险时，贷方必须了解借款人因担保而产生的负债。

4.The bank assessed the borrower's liabilities on account of guaranty before approving the loan.

银行在批准贷款之前评估了借款人因担保而产生的负债。

5.The financial report included details about the borrower's liabilities on account of guaranty from previous loans.

财务报告中包含了关于之前贷款的借款人因担保而产生的负债的详细信息。

作文

In the world of finance, understanding the various terms and concepts is essential for both lenders and borrowers. One such term that often arises in loan agreements is borrower's liabilities on account of guaranty. This phrase refers to the financial responsibilities that a borrower may incur due to a guarantee provided by a third party. To fully grasp this concept, it's important to break it down into its components. A 'borrower' is an individual or entity that receives funds from a lender with the agreement to repay the borrowed amount, typically with interest. 'Liabilities' are the financial obligations or debts that the borrower must fulfill. Finally, 'guaranty' signifies a promise made by a guarantor, who agrees to take responsibility for the borrower's debt if they default on their loan. Therefore, borrower's liabilities on account of guaranty can be understood as the debts or obligations that the borrower has, which may be impacted by the presence of a guarantor.When a borrower seeks a loan, especially if they have a less-than-perfect credit history, lenders may require a guarantor to mitigate their risk. The guarantor essentially acts as a safety net for the lender. If the borrower fails to meet their repayment obligations, the lender can pursue the guarantor for payment. This situation creates additional liabilities for the borrower because they are not only responsible for their own debts but also for any potential claims that the lender might make against the guarantor. In essence, the borrower's financial exposure increases due to this arrangement.Consider a scenario where a small business owner applies for a loan to expand their operations. The bank reviews their application and decides to approve the loan only if the owner can provide a personal guarantor, perhaps a family member or a business partner. The bank's rationale is that the guarantor will assume responsibility for the loan if the business owner cannot repay it. Thus, the borrower's liabilities on account of guaranty become a crucial aspect of this transaction. If the business fails and the owner defaults on the loan, the bank can turn to the guarantor for repayment, which could lead to financial strain on both the borrower and the guarantor.Moreover, it is essential for borrowers to understand the implications of having a guarantor involved in their loans. While it can facilitate access to funding, it also means that the borrower must maintain a good relationship with the guarantor. Any failure to repay the loan could not only impact the borrower's credit score but also damage personal relationships. Therefore, it is advisable for borrowers to carefully evaluate their ability to repay the loan before entering into such agreements.In conclusion, the phrase borrower's liabilities on account of guaranty encapsulates a critical aspect of borrowing that involves both financial and relational responsibilities. Borrowers must be aware of how their decisions can affect not only their own financial health but also that of their guarantors. By understanding this concept, borrowers can make more informed decisions about their financial commitments and navigate the complexities of loans with greater confidence. Ultimately, being well-informed about one's liabilities can lead to better financial management and reduce the risk of adverse outcomes in the future.

在金融世界中，理解各种术语和概念对借款人和贷款人来说至关重要。其中一个常见的术语是借款人因担保而产生的负债。这个短语指的是借款人可能因第三方提供的担保而承担的财务责任。要充分理解这个概念，重要的是将其分解成几个组成部分。“借款人”是指从贷款人那里获得资金并同意偿还所借款项（通常包括利息）的个人或实体。“负债”是借款人必须履行的财务义务或债务。最后，“担保”表示担保人所做出的承诺，他们同意在借款人违约时承担借款人的债务。因此，借款人因担保而产生的负债可以理解为借款人所拥有的债务或义务，这些债务或义务可能会受到担保人存在的影响。当借款人寻求贷款时，尤其是在他们的信用记录不佳的情况下，贷款人可能会要求担保人来降低风险。担保人本质上充当了贷款人的安全网。如果借款人未能满足还款义务，贷款人可以向担保人追索款项。这种情况为借款人创造了额外的负债，因为他们不仅要对自己的债务负责，还要对贷款人可能对担保人提出的任何索赔负责。本质上，由于这种安排，借款人的财务风险增加。考虑这样一个场景：一位小企业主申请贷款以扩大业务。银行审核他们的申请，并决定只在业主能提供个人担保人的情况下批准贷款，担保人可能是家庭成员或商业伙伴。银行的理由是，如果企业主无法偿还贷款，担保人将承担责任。因此，借款人因担保而产生的负债成为此交易的关键方面。如果企业失败，业主违约，银行可以向担保人追索款项，这可能会对借款人和担保人造成财务压力。此外，借款人必须了解在贷款中涉及担保人的影响。虽然这可以促进资金的获取，但这也意味着借款人必须与担保人保持良好的关系。任何未能偿还贷款的行为不仅会影响借款人的信用评分，还可能损害个人关系。因此，建议借款人在签订此类协议之前仔细评估自己的还款能力。总之，短语借款人因担保而产生的负债概括了借贷中涉及的一个关键方面，这涉及财务和关系责任。借款人必须意识到他们的决策如何影响他们自己的财务健康以及担保人的财务健康。通过理解这一概念，借款人可以更明智地做出关于财务承诺的决策，并更自信地应对贷款的复杂性。最终，了解自己的负债可以导致更好的财务管理，并减少未来不良结果的风险。