ease of credit; easy credit; easy credit terms

简明释义

放松信贷,放宽信贷条件

英英释义

例句

1.With the ease of credit 信用便利, many people are able to purchase homes they couldn't afford before.

由于信用便利，许多人能够购买以前负担不起的房屋。

2.The ease of credit 信用便利 has led to an increase in consumer debt levels.

信用便利导致了消费者债务水平的增加。

3.Many students rely on easy credit 容易获得的信用 to finance their education.

许多学生依靠容易获得的信用来资助他们的教育。

4.The bank is offering easy credit 容易获得的信用 to new customers who meet their criteria.

银行向符合条件的新客户提供容易获得的信用。

5.Retailers often use easy credit terms 容易的信用条款 to encourage customers to make larger purchases.

零售商通常使用容易的信用条款来鼓励顾客进行更大额的消费。

作文

In today's fast-paced economy, the concept of ease of credit has become increasingly significant for both consumers and businesses alike. Easy credit refers to the availability of loans and financing options that are easily accessible and often come with lenient terms. This phenomenon can be attributed to various factors, including competitive lending practices and a focus on stimulating economic growth. However, while easy credit terms can provide immediate financial relief and encourage spending, they also carry potential risks that must be carefully considered.The rise of ease of credit has transformed the way individuals approach large purchases, such as homes and cars. For many, the prospect of obtaining financing without stringent requirements is appealing. It allows consumers to make significant investments without the burden of saving for years. For instance, a young couple may find it easier to buy their first home due to favorable easy credit options offered by banks and mortgage lenders. These options often include low down payments and flexible repayment plans, which can make homeownership more attainable.Moreover, businesses also benefit from easy credit terms. Small enterprises, in particular, rely on accessible financing to manage cash flow, invest in inventory, and expand operations. When banks and financial institutions loosen their lending criteria, it creates an environment where entrepreneurship can thrive. For example, a startup may secure a line of credit with minimal collateral, enabling them to launch their product and compete in the market.However, the implications of ease of credit are not entirely positive. The accessibility of easy credit can lead to overextension, where borrowers take on more debt than they can handle. This situation is particularly concerning when consumers fail to understand the terms associated with their loans. Many individuals may be lured in by attractive offers but later find themselves struggling to meet their financial obligations. The cycle of debt can lead to long-term financial instability, affecting credit scores and overall economic health.Additionally, the broader economy can be impacted by the proliferation of easy credit terms. While increased borrowing can stimulate economic growth in the short term, it may also create bubbles in certain markets, such as real estate or consumer goods. If too many people engage in reckless borrowing, it can lead to a sudden downturn when the debt becomes unmanageable. The 2008 financial crisis serves as a stark reminder of the dangers associated with excessive borrowing and lending practices.In conclusion, the ease of credit plays a crucial role in shaping modern financial landscapes. While easy credit and easy credit terms offer opportunities for consumers and businesses to access funds and stimulate growth, they also pose significant risks. It is essential for borrowers to approach these options with caution and for lenders to maintain responsible lending practices. By striking a balance between accessibility and responsibility, we can harness the benefits of ease of credit while minimizing its potential pitfalls.

在当今快速发展的经济中，信贷便利性的概念对消费者和企业变得越来越重要。容易获得信用是指贷款和融资选项的可获得性，这些选项易于访问，并且通常附带宽松的条款。这种现象可以归因于多种因素，包括竞争性放贷实践和刺激经济增长的关注。然而，尽管容易的信贷条款可以提供即时的财务救济并鼓励消费，但它们也带来潜在的风险，必须仔细考虑。信贷便利性的上升改变了个人处理大宗购买的方式，例如房屋和汽车。对于许多人来说，获得没有严格要求的融资的前景是有吸引力的。这使消费者能够进行重大投资，而不必承受多年的储蓄负担。例如，一对年轻夫妇可能会发现，由于银行和抵押贷款机构提供的有利的容易获得信用选项，他们更容易购买第一套房子。这些选项通常包括低首付和灵活的还款计划，这使得拥有房产变得更加可行。此外，企业也从容易的信贷条款中受益。尤其是小企业，依赖于可获得的融资来管理现金流、投资库存和扩大运营。当银行和金融机构放宽贷款标准时，就会创造出一个创业蓬勃发展的环境。例如，一家初创公司可能会以最低的抵押品获得信贷额度，使其能够推出产品并在市场上竞争。然而，信贷便利性的影响并非完全积极。容易获得信用的可获取性可能导致借款人过度扩张，借款人承担超过其能力的债务。这种情况尤其令人担忧，因为消费者未能理解与其贷款相关的条款。许多人可能会被诱人的优惠所吸引，但后来发现自己难以满足财务义务。债务循环可能导致长期的财务不稳定，影响信用评分和整体经济健康。此外，广泛的容易的信贷条款也可能对更广泛的经济产生影响。虽然增加借贷在短期内可以刺激经济增长，但也可能在某些市场（如房地产或消费品）中造成泡沫。如果太多人参与鲁莽借贷，可能会导致当债务变得不可管理时的突然下滑。2008年金融危机就是一个生动的提醒，说明过度借贷和放贷行为的危险。总之，信贷便利性在塑造现代金融格局中发挥着至关重要的作用。虽然容易获得信用和容易的信贷条款为消费者和企业提供了获取资金和刺激增长的机会，但它们也带来了重大风险。借款者在接近这些选项时必须谨慎，放贷者也应保持负责任的放贷实践。通过在可获取性和责任之间取得平衡，我们可以利用信贷便利性的好处，同时最大限度地减少其潜在陷阱。