cheap credit

简明释义

低息信贷

英英释义

例句

1.The government has introduced policies to encourage cheap credit for small businesses.

政府推出了政策以鼓励小企业获得廉价信贷。

2.The rise in cheap credit has led to an increase in consumer spending.

新增的廉价信贷导致消费者支出增加。

3.Investors are flocking to the market due to the availability of cheap credit.

由于有廉价信贷的可用性，投资者纷纷涌入市场。

4.With cheap credit, homeowners can refinance their mortgages at lower rates.

有了廉价信贷，房主可以以更低的利率再融资他们的抵押贷款。

5.Many people are taking advantage of cheap credit to finance their new cars.

许多人正在利用廉价信贷来为他们的新车融资。

作文

In today's fast-paced economic environment, the concept of cheap credit has gained significant attention. Cheap credit refers to borrowing money at a low-interest rate, which can be an attractive option for individuals and businesses seeking to finance their projects or purchases. This phenomenon is often influenced by central banks' monetary policies, which aim to stimulate economic growth by making borrowing more affordable. When interest rates are low, consumers are more likely to take out loans for big-ticket items such as homes, cars, and appliances. Similarly, businesses may seize the opportunity to invest in expansion, hire new employees, or innovate their products without the burden of high-interest payments.However, while cheap credit can drive economic growth, it also comes with potential risks. One of the most significant dangers is that it may encourage excessive borrowing. When credit is easily accessible and inexpensive, individuals and companies might overlook their financial limits and accumulate debt that they cannot manage. For example, during periods of low-interest rates, people may purchase homes beyond their means, leading to financial strain when rates eventually rise or when their income decreases. This situation was evident during the 2008 financial crisis, where many homeowners defaulted on their mortgages due to over-leveraging in a market fueled by cheap credit.Moreover, the availability of cheap credit can create asset bubbles. Investors may flock to markets such as real estate or stocks, driving prices up to unsustainable levels. When the bubble bursts, it can lead to significant losses for investors and can ripple through the economy, causing widespread financial instability. Therefore, while cheap credit can provide immediate benefits, it is crucial to approach it with caution and awareness of the long-term implications.In addition, the impact of cheap credit is not uniform across different segments of society. While some people may benefit from lower borrowing costs, others may find themselves excluded from these advantages. For instance, individuals with poor credit histories or those living in economically disadvantaged areas may struggle to access cheap credit, perpetuating cycles of poverty and financial inequality. This disparity highlights the importance of financial education and access to resources that empower all individuals to make informed borrowing decisions.In conclusion, cheap credit plays a crucial role in modern economies by facilitating borrowing and investment. It can stimulate growth and innovation, but it also carries risks that must be managed carefully. As we navigate the complexities of borrowing in an era of cheap credit, it is essential to strike a balance between leveraging opportunities for growth and ensuring financial stability for individuals and the broader economy. Understanding the implications of cheap credit is vital for making informed financial decisions that promote sustainable economic development.

在当今快节奏的经济环境中，‘便宜的信贷’这一概念引起了广泛关注。‘便宜的信贷’是指以低利率借款，这对寻求为项目或购买融资的个人和企业来说是一个有吸引力的选择。这一现象通常受到中央银行货币政策的影响，旨在通过使借款更实惠来刺激经济增长。当利率较低时，消费者更可能为房屋、汽车和电器等大宗商品贷款。同样，企业也可能抓住机会投资于扩张、雇佣新员工或创新其产品，而不必承担高额的利息支付。然而，虽然‘便宜的信贷’可以推动经济增长，但它也伴随着潜在风险。最显著的危险之一是它可能鼓励过度借贷。当信贷容易获得且价格低廉时，个人和公司可能会忽视自己的财务限制，积累无法管理的债务。例如，在低利率时期，人们可能会购买超出自己能力范围的房屋，当利率最终上升或收入减少时，就会导致财务压力。这种情况在2008年金融危机期间表现得尤为明显，许多房主因在由‘便宜的信贷’推动的市场中过度借贷而违约。此外，‘便宜的信贷’的可用性可能会造成资产泡沫。投资者可能会涌向房地产或股票等市场，推动价格上涨至不可持续的水平。当泡沫破裂时，可能会导致投资者的重大损失，并可能波及整个经济，造成广泛的金融不稳定。因此，虽然‘便宜的信贷’可以带来即时利益，但必须谨慎对待，并意识到长期影响。此外，‘便宜的信贷’的影响在社会不同层面并不均匀。虽然一些人可能会受益于较低的借款成本，但其他人可能会发现自己被排除在这些优势之外。例如，信用历史较差或居住在经济困难地区的个人可能难以获得‘便宜的信贷’，从而延续贫困和金融不平等的循环。这种差距突显了金融教育和获取能够使所有个人做出明智借贷决策的资源的重要性。总之，‘便宜的信贷’在现代经济中发挥着关键作用，通过促进借贷和投资。它可以刺激增长和创新，但也带来了必须谨慎管理的风险。在我们在‘便宜的信贷’时代驾驭借贷的复杂性时，至关重要的是在利用增长机会和确保个人及更广泛经济的金融稳定之间取得平衡。理解‘便宜的信贷’的影响对于做出促进可持续经济发展的明智财务决策至关重要。