lend at interest

简明释义

放出有息贷款

英英释义

例句

1.She decided to lend at interest to her friends, charging a small fee.

她决定以利息借款给朋友，收取少量费用。

2.When you lend at interest, it's important to clearly outline the terms of repayment.

当你以利息借款时，明确还款条款非常重要。

3.The company offers to lend at interest for equipment purchases.

该公司提供以利息借款用于设备购买。

4.Some private lenders are willing to lend at interest for short-term business needs.

一些私人贷方愿意以利息借款满足短期商业需求。

5.Many banks will lend at interest to individuals looking to buy a home.

许多银行会以利息借款给想要买房的人。

作文

In today's financial landscape, the concept of lending money is ubiquitous. Many individuals and businesses rely on loans to finance their operations or personal needs. However, the practice of lending is not as straightforward as it may seem. One critical aspect of lending is the idea of lending at interest, which refers to the practice of providing a loan to someone with the expectation that they will pay back the original amount borrowed plus an additional fee, known as interest. This interest serves as compensation for the lender's risk and the opportunity cost of not using that money elsewhere. 以利息借出 is a common term in finance that encapsulates this practice.When a lender decides to lend at interest, they consider various factors such as the creditworthiness of the borrower, the purpose of the loan, and the prevailing economic conditions. For example, a bank might offer a mortgage loan to a homebuyer, charging an interest rate based on the buyer's credit score and the current market rates. The bank assesses the risk of default and determines how much interest to charge accordingly.The implications of lending at interest extend beyond just financial transactions. It can have significant social and economic effects. For instance, high-interest loans can trap borrowers in a cycle of debt, making it difficult for them to escape financial hardship. This is particularly true in the case of payday loans, where the interest rates can be exorbitantly high. On the other hand, reasonable interest rates can encourage investment and stimulate economic growth by allowing businesses to expand and create jobs.Moreover, the ethical considerations surrounding the practice of lending at interest have been debated for centuries. Some cultures and religions prohibit usury, the practice of charging excessively high-interest rates, viewing it as exploitative. In contrast, others argue that charging interest is a necessary part of a functioning economy, incentivizing lenders to provide capital.In conclusion, 以利息借出 is a fundamental aspect of modern finance that plays a crucial role in how money circulates within an economy. Understanding the nuances of lending at interest can help both borrowers and lenders make informed decisions that align with their financial goals. As we navigate the complexities of borrowing and lending, it remains essential to consider the broader implications of these practices on society and the economy as a whole.

在当今的金融环境中，借钱的概念无处不在。许多个人和企业依赖贷款来资助他们的运营或个人需求。然而，借贷的实践并不像看起来那么简单。借贷的一个关键方面是以利息借出的想法，这指的是将钱借给某人，并期望他们偿还原借款金额加上额外费用，即利息。这种利息作为对借款人风险和不在其他地方使用这笔钱的机会成本的补偿。以利息借出是金融中的一个常用术语，概括了这一实践。当放贷人决定lend at interest时，他们会考虑各种因素，例如借款人的信用worthiness、贷款的目的和当前的经济条件。例如，银行可能会向购房者提供抵押贷款，根据买方的信用评分和当前市场利率收取利息。银行评估违约的风险，并相应地确定收取多少利息。以利息借出的影响超出了金融交易的范畴。它可能对社会和经济产生重大影响。例如，高利息贷款可能使借款人陷入债务循环，使他们难以摆脱财务困境。这在发薪日贷款的情况下尤其如此，其利率可能高得离谱。另一方面，合理的利率可以通过允许企业扩展和创造就业机会来鼓励投资和刺激经济增长。此外，围绕以利息借出实践的伦理考量已经争论了几个世纪。一些文化和宗教禁止高利贷，即收取过高利息的做法，认为这是一种剥削。相反，其他人则认为，收取利息是正常经济运作的一部分，激励放贷人提供资本。总之，以利息借出是现代金融的一个基本方面，在资金在经济中的流通中发挥着至关重要的作用。理解以利息借出的细微差别可以帮助借款人和放贷人做出与其财务目标一致的明智决策。在我们驾驭借贷的复杂性时，考虑这些实践对社会和经济整体的更广泛影响仍然至关重要。