loan loss charge-offs

简明释义

放款倒帐额

英英释义

例句

1.During the quarterly earnings call, the CEO discussed the impact of loan loss charge-offs on future earnings.

在季度财报电话会议上，首席执行官讨论了贷款损失冲销对未来收益的影响。

2.Investors are concerned about the rising loan loss charge-offs affecting the bank's profitability.

投资者对影响银行盈利能力的上升的贷款损失冲销表示担忧。

3.The bank reported an increase in loan loss charge-offs as more borrowers defaulted on their loans.

由于更多借款人违约，银行报告了贷款损失冲销的增加。

4.The financial analyst highlighted that high loan loss charge-offs can indicate a weakening economy.

金融分析师强调，高水平的贷款损失冲销可能表明经济疲软。

5.To mitigate risks, the bank has increased its reserves for loan loss charge-offs.

为了降低风险，银行增加了对贷款损失冲销的准备金。

作文

In the world of finance, understanding various terms is crucial for both professionals and laypeople. One such term that often comes up in discussions about banking and lending is loan loss charge-offs. This phrase refers to the process by which a financial institution removes an uncollectible loan from its balance sheet. When a bank or lender determines that a borrower is unlikely to repay their debt, they may decide to write off that loan as a loss. This action is necessary for accurately reflecting the institution's financial health and ensuring that its records are truthful and transparent.The concept of loan loss charge-offs is particularly important in the context of risk management. Banks must continuously assess the creditworthiness of their borrowers. When loans are issued, there is always a risk that some borrowers will default. By recognizing potential losses through charge-offs, banks can better manage their loan portfolios and maintain a healthy balance between risk and return.Moreover, loan loss charge-offs impact the overall profitability of financial institutions. When a bank writes off a loan, it must account for that loss in its financial statements, which can reduce its net income for the period. This reduction can affect investor perceptions, stock prices, and the bank's ability to raise capital. Therefore, effective management of charge-offs is essential for maintaining investor confidence and ensuring long-term sustainability.In addition to financial implications, loan loss charge-offs also have broader economic consequences. High levels of charge-offs can indicate systemic issues within the economy, such as rising unemployment or declining property values. When banks are forced to write off significant amounts of loans, it can lead to tighter lending standards, making it more challenging for individuals and businesses to obtain credit. This situation can create a vicious cycle, where reduced access to credit further exacerbates economic downturns.To mitigate the risks associated with loan loss charge-offs, financial institutions often implement robust credit assessment processes. These processes may include thorough background checks, analysis of credit histories, and evaluation of borrowers' repayment capabilities. Additionally, banks may set aside reserves for potential loan losses, known as allowance for loan losses (ALL), which helps cushion the impact of future charge-offs on their financial statements.In conclusion, the term loan loss charge-offs encapsulates a vital aspect of banking and finance. It reflects the reality that not all loans will be repaid and emphasizes the importance of risk management in the financial sector. By understanding this concept, stakeholders can better appreciate the complexities of lending practices and the potential implications for both individual borrowers and the economy as a whole. As we continue to navigate the ever-changing landscape of finance, being well-informed about terms like loan loss charge-offs will empower us to make better decisions and foster a more resilient economic environment.

在金融领域，理解各种术语对专业人士和普通人都至关重要。其中一个常常在银行和贷款讨论中出现的术语是贷款损失核销。这个短语指的是金融机构将不可收回的贷款从其资产负债表中剔除的过程。当银行或贷款人确定借款人不太可能偿还其债务时，他们可能会决定将该贷款作为损失核销。这一行动对于准确反映机构的财务健康状况以及确保其记录真实透明是必要的。在风险管理的背景下，贷款损失核销的概念尤为重要。银行必须不断评估借款人的信用worthiness。当贷款发放时，总会存在一些借款人违约的风险。通过通过核销确认潜在损失，银行可以更好地管理其贷款组合，并在风险与回报之间保持健康的平衡。此外，贷款损失核销还会影响金融机构的整体盈利能力。当银行核销一笔贷款时，必须在其财务报表中计入该损失，这可能会减少该期间的净收入。这一下降可能会影响投资者的看法、股票价格以及银行筹集资本的能力。因此，有效管理核销对维护投资者信心和确保长期可持续性至关重要。除了财务影响外，贷款损失核销还对更广泛的经济产生影响。高水平的核销可能表明经济内部存在系统性问题，例如失业率上升或房地产价值下降。当银行被迫核销大量贷款时，可能会导致信贷标准收紧，使个人和企业获得信贷变得更加困难。这种情况可能会形成恶性循环，信贷获取的减少进一步加剧经济衰退。为了减轻与贷款损失核销相关的风险，金融机构通常会实施强有力的信用评估流程。这些流程可能包括彻底的背景调查、信用历史分析以及对借款人还款能力的评估。此外，银行可能会为潜在贷款损失预留准备金，称为贷款损失准备金（ALL），这有助于缓冲未来核销对其财务报表的影响。总之，术语贷款损失核销概括了银行和金融的重要方面。它反映了并非所有贷款都会得到偿还的现实，并强调了金融部门风险管理的重要性。通过理解这一概念，利益相关者可以更好地欣赏贷款实践的复杂性及其对个人借款人和整个经济的潜在影响。随着我们继续应对不断变化的金融环境，了解像贷款损失核销这样的术语将使我们能够做出更好的决策，并促进更具韧性的经济环境。