term lending

简明释义

定期贷出款

英英释义

例句

1.Many startups rely on term lending to finance their initial operations.

许多初创公司依赖于定期贷款来资助其初始运营。

2.The interest rates for term lending can vary based on the borrower’s credit score.

对于借款人，定期贷款的利率可能会根据其信用评分而有所不同。

3.Our company secured a term lending agreement to purchase new equipment.

我们公司获得了一项定期贷款协议，以购买新设备。

4.Investors often prefer term lending because it provides predictable cash flow.

投资者通常更喜欢定期贷款，因为它提供可预测的现金流。

5.The bank specializes in term lending for small businesses looking to expand.

这家银行专注于为希望扩张的小企业提供定期贷款。

作文

In the world of finance, understanding various lending mechanisms is crucial for both individuals and businesses. One important concept to grasp is term lending, which refers to loans that are provided for a specific period, typically ranging from one year to ten years or more. Unlike short-term loans, which are designed to be repaid quickly, term lending offers borrowers a longer repayment schedule, allowing them to manage their finances more effectively. This type of lending is often used for significant investments such as purchasing real estate, financing large equipment, or funding business expansion.The structure of term lending usually includes fixed interest rates, which means that the borrower knows exactly how much they will pay each month throughout the life of the loan. This predictability can be incredibly beneficial for budgeting purposes. For instance, a small business owner seeking to purchase new machinery might opt for term lending because it allows them to spread the cost over several years instead of making a hefty upfront payment.Moreover, term lending can also come with various types of collateral requirements. Lenders often require borrowers to secure the loan with an asset, such as property or equipment. This reduces the lender's risk and can sometimes lead to lower interest rates for the borrower. However, it is essential for borrowers to understand the implications of defaulting on a term lending agreement, as failing to make payments could result in the loss of the collateral.Another advantage of term lending is its flexibility. Borrowers can choose the length of the term based on their financial situation and future projections. For example, a company expecting substantial growth may prefer a shorter-term loan to take advantage of lower interest rates, while a startup might opt for a longer-term loan to ensure they have adequate time to generate revenue before repayments begin.However, it is also important to consider the potential downsides of term lending. While the longer repayment period can ease immediate financial pressure, it may lead to paying more in interest over time. Additionally, if economic conditions change, borrowers may find themselves in a difficult position if they cannot meet their obligations. Therefore, thorough financial planning and consideration of market conditions are vital when entering into a term lending agreement.In conclusion, term lending serves as a fundamental tool in the financial landscape, providing borrowers with the necessary funds for significant investments while offering a structured repayment plan. Understanding the nuances of this lending mechanism can empower individuals and businesses to make informed decisions that align with their financial goals. As with any financial product, careful consideration and planning are key to maximizing the benefits of term lending while minimizing the risks associated with borrowing.

在金融世界中，理解各种贷款机制对个人和企业都至关重要。一个重要的概念是定期贷款，它指的是在特定期限内提供的贷款，通常从一年到十年或更长时间不等。与旨在快速偿还的短期贷款不同，定期贷款为借款人提供了更长的还款计划，使他们能够更有效地管理财务。这种类型的贷款通常用于重大投资，例如购买房地产、融资大型设备或资助业务扩展。定期贷款的结构通常包括固定利率，这意味着借款人在贷款期间内每个月支付的金额是确定的。这种可预测性对于预算编制非常有利。例如，寻求购买新机器的小企业主可能选择定期贷款，因为这使他们能够将成本分摊到几年内，而不是一次性支付一大笔款项。此外，定期贷款还可能伴随各种类型的担保要求。贷方通常要求借款人用资产作为贷款的担保，例如财产或设备。这降低了贷方的风险，有时可以为借款人带来更低的利率。然而，借款人必须理解违约定期贷款协议的影响，因为未能按时还款可能导致失去担保品。定期贷款的另一个优点是其灵活性。借款人可以根据自己的财务状况和未来预测选择贷款期限。例如，预计会有显著增长的公司可能更喜欢短期贷款，以利用较低的利率，而初创公司可能选择长期贷款，以确保在开始还款之前有足够的时间产生收入。然而，也必须考虑定期贷款的潜在缺点。虽然较长的还款期可以缓解即时的财务压力，但可能导致随着时间的推移支付更多的利息。此外，如果经济条件发生变化，借款人可能会发现自己处于困境中，无法履行义务。因此，在签署定期贷款协议时，全面的财务规划和对市场状况的考虑至关重要。总之，定期贷款作为金融领域的基本工具，为借款人提供了必要的资金进行重大投资，同时提供了结构化的还款计划。理解这一贷款机制的细微差别可以使个人和企业做出符合其财务目标的明智决策。与任何金融产品一样，仔细考虑和规划是最大限度发挥定期贷款的好处，同时最小化借款相关风险的关键。