collateral
简明释义
n. 抵押物，担保品；旁系亲属
adj. 附属的，次要的；（亲戚）旁系的，非直系的；并列的，并行的
复 数 c o l l a t e r a l s
英英释义
单词用法
[法]附带损害 | |
侧支循环；侧枝循环；并行循环；侧循环 |
同义词
| 担保 | 银行要求贷款提供担保。 | ||
| 保证 | 他将自己的房子作为抵押贷款的保证。 | ||
| 抵押 | 她签署了一份抵押协议以确保债务的偿还。 | ||
| 备份 | 我们需要一个备份计划，以防主要策略失败。 |
反义词
| 主要的 | The primary objective of the project is to increase efficiency. | 该项目的主要目标是提高效率。 | |
| 主要的 | 他主要关心的是家人的福祉。 | ||
| 中心的 | The central theme of the book revolves around love and sacrifice. | 这本书的中心主题围绕着爱与牺牲。 |
例句
1.Then imagine the collateral civil litigation.
接着再想想相关的民法诉讼。
2.They say they have met all the demands for collateral.
他们说，已满足全部抵押品需求。
3.Pawnship was a common form of collateral in West Africa.
典当在西非是一种常见的抵押品形式。
4.Talk about collateral damage!
下面谈谈附带的损害!
5.Lehman posted the collateral the next day.
雷曼在次日交付了抵押品。
6.The only collateral that really counts is a borrower’s good name.
唯一的真正有意义的担保就是借贷者的良好信誉。
7.Yang's eldest daughter, Yang Ruoyi, 5, was a collateral victim.
杨的大女儿，杨若一，5岁，是一个间接的受害者。
什么叫抵押？
9.Thrush is a degeneration of the frog with a secondary bacterial infection that begins in the central and collateral sulci.
鹅口疮是青蛙的退化，继发于中央和侧沟的继发细菌感染。
10.If you default on the loan, the bank can seize the collateral.
如果你违约，银行可以没收抵押品。
11.The collateral was appraised at a value higher than the loan amount.
该抵押品的评估价值高于贷款金额。
12.Investors often seek collateral to minimize their risks.
投资者通常寻求抵押品以降低风险。
13.He offered his car as collateral for the business loan.
他将自己的车作为商业贷款的抵押品。
14.The bank required a house as collateral to secure the loan.
银行要求提供一栋房子作为抵押品来确保贷款。
作文
In today's financial landscape, the term collateral (担保物) has become increasingly important. It refers to an asset that a borrower offers to a lender to secure a loan. If the borrower defaults on the loan, the lender can seize the collateral (担保物) to recover their losses. This concept is crucial not only in personal finance but also in business transactions and real estate deals.For instance, when someone applies for a mortgage to buy a house, the property itself often serves as collateral (担保物). The bank uses the house as security against the loan amount. If the borrower fails to make the required payments, the bank has the right to foreclose on the home and sell it to recoup the funds. This system helps lenders mitigate risks associated with lending money.Moreover, collateral (担保物) plays a significant role in various types of loans. For example, secured loans typically require some form of collateral (担保物), such as a car or other valuable possessions. Unsecured loans, on the other hand, do not involve collateral (担保物), which makes them riskier for lenders. Consequently, interest rates on unsecured loans are generally higher to compensate for the increased risk.In the world of business, collateral (担保物) is equally vital. Companies seeking financing may offer inventory, equipment, or real estate as collateral (担保物) to secure loans from banks or investors. This practice not only provides assurance to lenders but also enables businesses to access necessary funds for expansion or operations. By leveraging their assets as collateral (担保物), companies can negotiate better terms and lower interest rates.Additionally, the use of collateral (担保物) can influence credit ratings. Borrowers who consistently provide collateral (担保物) for their loans may be viewed as less risky by lenders, potentially leading to better borrowing terms in the future. On the contrary, individuals or businesses that frequently default on loans without collateral (担保物) may find it challenging to secure financing later on.Furthermore, the concept of collateral (担保物) extends beyond traditional loans. In the realm of investments, margin trading allows investors to borrow money to purchase securities, using their current investments as collateral (担保物). If the value of the securities falls below a certain threshold, the investor may receive a margin call, requiring them to deposit more funds or sell off assets to maintain the required level of collateral (担保物).In conclusion, understanding collateral (担保物) is essential for anyone navigating the financial world. It serves as a safety net for lenders and provides borrowers with opportunities to secure funding. Whether in personal finance, business transactions, or investment strategies, collateral (担保物) plays a pivotal role in shaping the dynamics of lending and borrowing. As we move forward in an increasingly complex financial environment, the importance of collateral (担保物) will undoubtedly continue to grow.
在当今的金融环境中，术语collateral（担保物）变得越来越重要。它指的是借款人提供给贷方以担保贷款的资产。如果借款人违约，贷方可以扣押collateral（担保物）以弥补损失。这个概念不仅在个人财务中至关重要，而且在商业交易和房地产交易中也同样重要。例如，当某人申请抵押贷款以购买房屋时，房产本身通常充当collateral（担保物）。银行将房屋作为贷款金额的担保。如果借款人未能按时还款，银行有权对房屋进行止赎并出售，以收回资金。这种制度帮助贷方降低与借款相关的风险。此外，collateral（担保物）在各种类型的贷款中扮演着重要角色。例如，担保贷款通常要求某种形式的collateral（担保物），如汽车或其他有价值的财产。而无担保贷款则不涉及collateral（担保物），这使得它们对贷方来说风险更高。因此，无担保贷款的利率通常较高，以补偿增加的风险。在商业领域，collateral（担保物）同样至关重要。寻求融资的公司可能会提供库存、设备或房地产作为贷款的collateral（担保物），以从银行或投资者那里获得贷款。这种做法不仅为贷方提供了保障，还使企业能够获得扩展或运营所需的资金。通过将其资产作为collateral（担保物）进行杠杆操作，公司可以谈判更好的条款和更低的利率。此外，使用collateral（担保物）还会影响信用评级。那些持续提供collateral（担保物）以担保贷款的借款人可能会被贷方视为风险较小，从而在未来获得更好的借款条件。相反，频繁违约且没有collateral（担保物）的个人或企业可能会发现以后很难获得融资。此外，collateral（担保物）的概念超越了传统的贷款。在投资领域，保证金交易允许投资者借钱购买证券，使用他们当前的投资作为collateral（担保物）。如果证券的价值跌破某个阈值，投资者可能会收到保证金通知，要求其存入更多资金或出售资产以维持所需的collateral（担保物）水平。总之，理解collateral（担保物）对于任何在金融世界中活动的人来说都是必不可少的。它为贷方提供了安全网，并为借款人提供了获得资金的机会。无论是在个人财务、商业交易还是投资策略中，collateral（担保物）在塑造借贷动态方面都发挥着关键作用。随着我们在日益复杂的金融环境中前行，collateral（担保物）的重要性无疑将继续增长。
