make loans; loan; advances

简明释义

放款

英英释义

例句

1.The credit union is known to make loans with lower interest rates.

这个信用合作社以较低的利率发放贷款而闻名。

2.Many students rely on advances from their parents to pay for college.

许多学生依赖于父母的预付款来支付大学费用。

3.The bank decided to make loans to small businesses to help them grow.

银行决定发放贷款给小企业以帮助它们成长。

4.After reviewing his credit history, the bank approved his loan application.

在审核了他的信用历史后，银行批准了他的贷款申请。

5.She took out a loan to buy her first home.

她申请了一笔贷款来购买她的第一套房子。

作文

In the world of finance, understanding the terms associated with lending is crucial. One of the most fundamental concepts is the ability to make loans (发放贷款). This process involves a lender providing funds to a borrower with the expectation that the money will be paid back with interest over a specified period. Financial institutions, such as banks and credit unions, are the primary entities that make loans. They assess the creditworthiness of potential borrowers to minimize the risk of default. When a bank decides to loan (贷款) money, it does so based on several factors, including the borrower's credit score, income, and overall financial stability. The amount of the loan can vary significantly, from small personal loans to large mortgages for purchasing homes. The terms of the loan also play a vital role; they outline the interest rate, repayment schedule, and any fees associated with the borrowing process. Another important aspect of lending is the concept of advances (预付款). An advance typically refers to a sum of money given to a borrower before the full loan is disbursed. For example, in real estate transactions, a buyer may receive an advance to cover closing costs or other immediate expenses. Advances can also be seen in business financing, where companies receive advances against future sales or receivables to improve cash flow. The relationship between these terms is essential for anyone involved in financial transactions. When lenders make loans, they are not merely giving away money; they are entering into a contractual agreement that requires responsibility and trust from both parties. Borrowers must understand the implications of taking out a loan, including their obligation to repay it in full and on time. Failure to do so can result in severe consequences, including damage to credit scores and even legal action. Moreover, the economic environment can significantly influence lending practices. During times of economic growth, banks may be more willing to make loans and offer favorable terms to borrowers. Conversely, during economic downturns, lending standards often tighten, making it harder for individuals and businesses to secure loans and advances. In conclusion, the terms make loans, loan, and advances are integral to the financial landscape. Understanding these concepts helps borrowers navigate the complexities of borrowing while also equipping lenders to manage their risks effectively. Whether you are considering taking out a loan for personal use or seeking advances for your business, knowledge of these terms will empower you to make informed financial decisions.

在金融世界中，理解与借贷相关的术语至关重要。最基本的概念之一是能够发放贷款。这个过程涉及到贷方向借方提供资金，期望这些钱会在规定的时间内连本带利地偿还。银行和信用合作社等金融机构是主要的发放贷款实体。它们评估潜在借款人的信用worthiness，以降低违约风险。当银行决定贷款资金时，它会根据多个因素做出决定，包括借款人的信用评分、收入和整体财务稳定性。贷款的金额可以有很大差异，从小额个人贷款到购买房屋的大额抵押贷款。贷款的条款也起着至关重要的作用；它们概述了利率、还款计划以及与借贷过程相关的任何费用。借贷的另一个重要方面是预付款的概念。预付款通常指在全额贷款发放之前给予借款人的一笔款项。例如，在房地产交易中，买家可能会收到一笔预付款以覆盖成交费用或其他即时开支。预付款在商业融资中也可以看到，公司会根据未来的销售或应收款项获得预付款，以改善现金流。这些术语之间的关系对任何参与金融交易的人来说都至关重要。当贷方发放贷款时，他们不仅仅是在赠送金钱；他们正在签订一项合同协议，这需要双方的责任和信任。借款人必须理解借款的影响，包括按时全额偿还的义务。如果未能做到这一点，可能会导致严重后果，包括信用评分受损甚至法律诉讼。此外，经济环境也会显著影响借贷实践。在经济增长时期，银行可能更愿意发放贷款并为借款人提供优惠条件。相反，在经济衰退期间，借贷标准往往会收紧，使个人和企业更难获得贷款和预付款。总之，术语发放贷款、贷款和预付款是金融领域不可或缺的一部分。理解这些概念帮助借款人在借贷的复杂性中导航，同时也使贷方能够有效管理风险。无论您是考虑为个人用途申请贷款，还是寻求为您的企业获取预付款，对这些术语的了解将使您能够做出明智的财务决策。