dead loan; default; bad debts; insolvency

简明释义

倒帐

英英释义

例句

1.The accountant reported that the firm had accumulated significant bad debts 坏账 due to unpaid invoices.

会计报告称，由于未支付的发票，该公司积累了大量的坏账。

2.When a company goes into default 违约, it can severely impact its credit rating.

当一家公司发生违约时，会严重影响其信用评级。

3.After several years of poor management, the restaurant faced insolvency 破产 and had to close its doors.

经过几年的糟糕管理，这家餐厅面临破产，不得不关门。

4.The bank had to write off the dead loan 死贷款 after the borrower failed to make any payments for over a year.

在借款人超过一年没有任何还款后，银行不得不注销这笔死贷款。

5.Investors were worried about the potential for dead loans 死贷款 in the real estate market.

投资者对房地产市场中可能出现的死贷款感到担忧。

作文

In the world of finance, understanding the terms related to loans and debts is crucial for both individuals and businesses. One of the most significant concepts is the dead loan（死贷款）, which refers to a loan that is unlikely to be repaid. This situation often arises when a borrower is unable to make payments due to financial difficulties or other unforeseen circumstances. When a loan becomes a dead loan, it poses a risk not only to the lender but also to the overall economy, as it indicates a failure in the lending process.Another critical term is default（违约）, which occurs when a borrower fails to meet the legal obligations or conditions of a loan. Defaulting on a loan can lead to severe consequences for the borrower, including damaged credit scores and potential legal action from lenders. It is important for borrowers to understand the implications of defaulting, as it can affect their ability to secure future loans and impact their financial stability.The concept of bad debts（坏账）is closely related to defaults. Bad debts are amounts owed to a company that are no longer collectible. When a business recognizes that a debt is unlikely to be paid, it may classify it as a bad debt, which can negatively impact its financial statements. This classification is essential for maintaining accurate records and ensuring that businesses do not overstate their assets. Companies often have to write off bad debts, which can result in significant losses.Lastly, insolvency（破产）is a term that signifies a state where an individual or organization can no longer meet their financial obligations to creditors. Insolvency can occur for various reasons, including poor financial management, unexpected expenses, or economic downturns. When a business becomes insolvent, it may need to undergo bankruptcy proceedings, which can involve restructuring its debts or liquidating assets to pay off creditors. Understanding insolvency is vital for anyone involved in finance, as it highlights the risks associated with borrowing and lending money.In conclusion, grasping the meanings and implications of terms like dead loan, default, bad debts, and insolvency is essential for navigating the financial landscape. These concepts not only affect individual borrowers but also have broader implications for the economy as a whole. By being aware of these terms, individuals and businesses can make informed decisions regarding loans and manage their finances more effectively. It is crucial to approach borrowing with caution and to seek professional advice when necessary to avoid falling into the traps of dead loans, defaults, bad debts, and ultimately insolvency.

在金融世界中，理解与贷款和债务相关的术语对个人和企业都至关重要。其中一个最重要的概念是死贷款（死贷款），指的是不太可能偿还的贷款。这种情况通常发生在借款人因财务困难或其他不可预见的情况而无法进行还款时。当贷款成为死贷款时，不仅对贷方构成风险，也对整体经济产生影响，因为这表明贷款过程的失败。另一个关键术语是违约（违约），当借款人未能履行贷款的法律义务或条件时，就会发生违约。违约可能导致借款人面临严重后果，包括信用评分受损和贷方的潜在法律行动。借款人需要了解违约的影响，因为这会影响他们未来获得贷款的能力，并影响他们的财务稳定性。坏账（坏账）的概念与违约密切相关。坏账是指公司认为不再可收回的欠款。当一家公司意识到某笔债务不太可能被偿还时，它可能将其分类为坏账，这会对其财务报表产生负面影响。这个分类对于保持准确的记录和确保企业不会夸大其资产至关重要。公司通常必须注销坏账，这可能导致重大损失。最后，破产（破产）是一个标志着个人或组织无法再满足对债权人的财务义务的状态。破产可能由于多种原因而发生，包括财务管理不善、意外支出或经济衰退。当企业陷入破产时，可能需要进行破产程序，这可能涉及重组债务或清算资产以偿还债权人。理解破产对于任何参与金融活动的人来说都是至关重要的，因为它突显了借贷和放贷所涉及的风险。总之，掌握死贷款、违约、坏账和破产等术语的含义及其影响，对于驾驭金融环境至关重要。这些概念不仅影响个人借款人，还对整个经济产生更广泛的影响。通过了解这些术语，个人和企业可以就贷款做出明智的决策，更有效地管理财务。在借贷时谨慎行事并在必要时寻求专业建议，以避免陷入死贷款、违约、坏账，以及最终的破产，是至关重要的。