bankable asset; eligible asset

简明释义

合格资产

英英释义

例句

1.To qualify for the loan, you need to provide proof of eligible assets 合格资产 that can serve as collateral.

要获得贷款，您需要提供可以作为担保的合格资产eligible assets的证明。

2.Investors are always looking for a reliable bankable asset 可融资资产 to include in their portfolios.

投资者总是寻找可靠的可融资资产bankable asset来纳入他们的投资组合。

3.Real estate is often considered a bankable asset 可融资资产 due to its tangible value.

房地产通常被视为一种可融资资产bankable asset，因为它具有实际价值。

4.Stocks of well-established companies are often seen as bankable assets 可融资资产 in the financial market.

知名公司的股票通常被视为金融市场中的可融资资产bankable assets。

5.A diversified portfolio will contain a mix of bankable assets 可融资资产 and less liquid investments.

一个多元化的投资组合将包含混合的可融资资产bankable assets和流动性较差的投资。

作文

In the world of finance, the terms bankable asset (可融资资产) and eligible asset (合格资产) play crucial roles in determining the viability and liquidity of investments. Understanding these concepts is essential for both investors and financial institutions alike. A bankable asset is typically an asset that can be easily converted into cash or collateralized to secure loans. These assets are often characterized by their stability, demand, and marketability. Examples of bankable assets include real estate properties, stocks, bonds, and certain types of commodities. The more liquid an asset is, the more bankable it becomes, making it a preferred choice for lenders when assessing risk.On the other hand, an eligible asset refers to an asset that meets specific criteria set by financial regulations or lending institutions for use in transactions or as collateral. For instance, in the context of mortgage-backed securities, only certain types of loans may qualify as eligible assets. This ensures that the underlying assets are of sufficient quality to support the financial products they back. The distinction between bankable assets and eligible assets is significant because not all bankable assets may qualify as eligible assets, but all eligible assets are inherently bankable.The importance of recognizing these terms becomes evident in various financial scenarios. For investors, knowing what constitutes a bankable asset can inform their investment strategies. They may prefer to invest in assets that not only have the potential for appreciation but also can be easily liquidated if necessary. This is particularly important in volatile markets where quick access to cash can be a game-changer.For financial institutions, understanding the difference between bankable assets and eligible assets is vital for risk management. Lenders must assess the quality of assets they accept as collateral. By focusing on eligible assets, they reduce the likelihood of default, ensuring that their loan portfolios remain healthy. This distinction also affects how banks manage their capital requirements and liquidity ratios, which are critical for maintaining their operational stability.Moreover, regulatory bodies often impose strict guidelines regarding eligible assets to ensure the overall health of the financial system. These regulations aim to protect investors and maintain confidence in the market. When financial institutions adhere to these guidelines, they contribute to a more stable economic environment, which ultimately benefits everyone involved.In conclusion, the concepts of bankable asset and eligible asset are fundamental to understanding the dynamics of financial transactions and investment strategies. Both terms highlight the importance of liquidity and quality in the asset selection process. Investors who prioritize bankable assets can navigate market fluctuations with greater ease, while lenders who focus on eligible assets can mitigate risk effectively. As the financial landscape continues to evolve, a clear comprehension of these terms will remain invaluable for anyone engaged in the world of finance.

在金融世界中，术语可融资资产和合格资产在确定投资的可行性和流动性方面发挥着至关重要的作用。理解这些概念对于投资者和金融机构来说都是必不可少的。可融资资产通常是指可以轻松转化为现金或作为担保以获得贷款的资产。这些资产通常具有稳定性、需求和可市场化等特征。可融资资产的例子包括房地产、股票、债券和某些类型的商品。资产的流动性越强，其融资能力就越强，这使其成为贷方在评估风险时的首选。另一方面，合格资产是指符合金融法规或贷款机构设定的特定标准，可以用于交易或作为担保的资产。例如，在抵押贷款支持证券的背景下，只有某些类型的贷款可能符合合格资产的标准。这确保了基础资产的质量足以支持它们所支持的金融产品。可融资资产和合格资产之间的区别非常重要，因为并非所有的可融资资产都可能被视为合格资产，但所有的合格资产本质上都是可融资资产。认识到这些术语的重要性在各种金融场景中变得显而易见。对于投资者来说，知道什么构成可融资资产可以指导他们的投资策略。他们可能更倾向于投资那些不仅有升值潜力而且在必要时可以轻松变现的资产。在波动的市场中，快速获取现金可能会改变游戏规则，这一点尤其重要。对于金融机构而言，理解可融资资产和合格资产之间的区别对于风险管理至关重要。贷方必须评估他们接受作为担保的资产的质量。通过专注于合格资产，他们降低了违约的可能性，从而确保他们的贷款组合保持健康。这一区别还影响银行如何管理其资本要求和流动性比率，这对维持其运营稳定至关重要。此外，监管机构通常对合格资产施加严格的指导方针，以确保金融系统的整体健康。这些法规旨在保护投资者并维护市场信心。当金融机构遵守这些指导方针时，他们有助于创造一个更加稳定的经济环境，这最终使所有相关方受益。总之，可融资资产和合格资产的概念对于理解金融交易和投资策略的动态至关重要。这两个术语强调了在资产选择过程中流动性和质量的重要性。优先考虑可融资资产的投资者可以更轻松地应对市场波动，而专注于合格资产的贷方则可以有效降低风险。随着金融环境的不断演变，清晰理解这些术语将对任何参与金融领域的人来说仍然是无价的。