nonmarket borrowing

简明释义

非市场借债

英英释义

例句

1.During the economic crisis, many companies turned to nonmarket borrowing to maintain liquidity, meaning they sought loans from private investors instead of banks.

在经济危机期间，许多公司转向非市场借款以维持流动性，这意味着他们寻求来自私人投资者而不是银行的贷款。

2.The startup secured nonmarket borrowing through a venture capital firm, which allowed them to avoid high-interest rates from traditional lenders.

这家初创公司通过一家风险投资公司获得了非市场借款，这使他们避免了来自传统放贷人的高利率。

3.The university funded its new research center through nonmarket borrowing from alumni donations rather than issuing bonds.

该大学通过校友捐款进行非市场借款来资助其新的研究中心，而不是发行债券。

4.The government relied on nonmarket borrowing to finance infrastructure projects, which refers to funds obtained outside traditional market channels.

政府依靠非市场借款来资助基础设施项目，这指的是通过传统市场渠道以外的方式获得资金。

5.In times of financial distress, organizations may resort to nonmarket borrowing as a way to quickly access needed funds without public scrutiny.

在财务困境时期，组织可能会诉诸于非市场借款，作为快速获取所需资金而不受公众审查的一种方式。

作文

In today's complex financial landscape, understanding different types of borrowing is crucial for both individuals and organizations. One term that often comes up in discussions about financing is nonmarket borrowing. This term refers to the funds that are acquired through means other than traditional financial markets. Unlike market borrowing, which involves raising funds through the issuance of bonds or stocks in public markets, nonmarket borrowing can take various forms, such as loans from government entities, private agreements, or even informal arrangements between friends and family.The implications of nonmarket borrowing can be significant. For instance, when a government decides to fund a project through nonmarket borrowing, it may do so by taking out a loan from a development bank or through grants that do not require repayment. This can allow for swift funding of essential services or infrastructure projects without the immediate pressure of market conditions. However, it also raises questions about accountability and the potential for mismanagement of funds, as these transactions may not be subject to the same level of scrutiny as those conducted in open markets.On the other hand, businesses may engage in nonmarket borrowing when they seek capital from private investors or venture capitalists who are willing to invest in exchange for equity rather than interest payments. This can be particularly beneficial for startups that may not have the credit history or collateral required for traditional loans. By utilizing nonmarket borrowing, these companies can access the necessary funds to grow and innovate without the burden of debt repayments that could stifle their development.Moreover, nonmarket borrowing is not limited to formal agreements. Informal borrowing, such as loans from family and friends, is another prevalent form of nonmarket borrowing. This type of borrowing often comes with more flexible terms and lower interest rates, which can be advantageous for the borrower. However, it also carries the risk of straining personal relationships if the borrower fails to repay the loan. Therefore, while nonmarket borrowing can provide essential support, it is crucial to approach these arrangements with caution and clarity.In conclusion, nonmarket borrowing encompasses a variety of methods for acquiring funds outside of traditional financial markets. While it offers unique opportunities for individuals and organizations to secure financing in ways that may be more accessible or less burdensome than market-based options, it also presents challenges that must be carefully navigated. Understanding the nuances of nonmarket borrowing is essential for making informed financial decisions, whether one is an individual seeking personal loans or a business looking to finance its next big project.

在当今复杂的金融环境中，理解不同类型的借款对个人和组织都至关重要。一个常常出现在融资讨论中的术语是非市场借款。这个术语指的是通过传统金融市场以外的方式获得的资金。与通过发行债券或股票在公共市场上筹集资金的市场借款不同，非市场借款可以采取多种形式，例如来自政府实体的贷款、私人协议，甚至是朋友和家人之间的非正式安排。非市场借款的影响可能是显著的。例如，当政府决定通过非市场借款为一个项目提供资金时，它可能会通过向开发银行借款或通过不需要还款的赠款来实现。这可以迅速为基本服务或基础设施项目提供资金，而无需立即受到市场条件的压力。然而，这也引发了关于问责制和资金管理不善潜在风险的问题，因为这些交易可能不受与开放市场进行的交易相同程度的审查。另一方面，当企业寻求资本时，它们可能会参与非市场借款，从愿意以股权而不是利息支付的私人投资者或风险投资家那里获得资金。这对于那些可能没有信用历史或抵押品要求的传统贷款的初创企业尤其有利。通过利用非市场借款，这些公司可以获取必要的资金以发展和创新，而不必承担可能抑制其发展的债务偿还负担。此外，非市场借款并不仅限于正式协议。非正式借款，例如来自家人和朋友的贷款，是另一种普遍存在的非市场借款形式。这种类型的借款通常具有更灵活的条款和更低的利率，这对借款人来说可能是有利的。但是，如果借款人未能偿还贷款，这也可能会导致个人关系紧张。因此，尽管非市场借款可以提供重要支持，但在处理这些安排时，谨慎和清晰至关重要。总之，非市场借款包含了一系列通过传统金融市场以外的方式获得资金的方法。虽然它为个人和组织提供了以更易接触或负担更小的方式获得融资的独特机会，但它也带来了必须谨慎应对的挑战。理解非市场借款的细微差别对于做出明智的财务决策至关重要，无论是个人寻求个人贷款，还是企业希望为下一个重大项目融资。