default risk

简明释义

坏帐风险

英英释义

例句

1.During economic downturns, default risk 违约风险 tends to increase significantly.

在经济衰退期间，<顺>违约风险往往显著增加。

2.A higher credit rating usually indicates lower default risk 违约风险 for borrowers.

较高的信用评级通常表明借款人的<顺>违约风险较低。

3.Investors often assess the default risk 违约风险 before purchasing corporate bonds.

投资者在购买公司债券之前，通常会评估<顺>违约风险。

4.Credit default swaps are often used to hedge against default risk 违约风险.

信用违约掉期常用于对冲<顺>违约风险。

5.Banks conduct thorough analyses to determine the default risk 违约风险 of loan applicants.

银行会对贷款申请人进行彻底分析，以确定其<顺>违约风险。

作文

In the world of finance and investment, understanding various risks is crucial for making informed decisions. One of the key concepts that investors and financial analysts must be aware of is default risk. 违约风险 refers to the possibility that a borrower will fail to meet their obligations in accordance with agreed terms, particularly in the context of loans or bonds. This risk can have significant implications for lenders and investors, as it can lead to financial losses and affect the overall stability of financial markets.To comprehend default risk, it is important to recognize its sources. Various factors contribute to a borrower's likelihood of defaulting, including economic conditions, the borrower's creditworthiness, and the nature of the loan itself. For example, during economic downturns, individuals and businesses may struggle to generate sufficient income to repay debts, increasing the default risk. Similarly, borrowers with poor credit histories are more likely to default, as they may have already demonstrated an inability to manage their financial obligations effectively.Investors often assess default risk by examining credit ratings assigned to borrowers by rating agencies. These agencies evaluate the financial health of borrowers and assign ratings that reflect their likelihood of default. A higher credit rating indicates a lower default risk, while a lower rating suggests a greater risk of default. By analyzing these ratings, investors can make more informed decisions about where to allocate their funds and which investments to avoid.Moreover, default risk is not limited to individual borrowers. It can also apply to governments and corporations. For instance, when a government issues bonds, investors must consider the default risk associated with that government’s ability to honor its debt obligations. Countries facing political instability or economic challenges may present higher default risk, leading to higher yields on their bonds to compensate investors for taking on that risk.To mitigate default risk, investors can diversify their portfolios by investing in a range of assets across different sectors and regions. Diversification helps spread the risk, so if one investment defaults, the impact on the overall portfolio is minimized. Additionally, investors may choose to invest in securities that offer some form of protection, such as credit default swaps, which can provide insurance against default.In conclusion, understanding default risk is essential for anyone involved in finance or investing. It plays a critical role in the decision-making process, affecting everything from loan approvals to investment strategies. By being aware of the factors that contribute to default risk and utilizing tools to assess and manage it, investors can better navigate the complexities of financial markets and protect their investments. Ultimately, a thorough comprehension of default risk enables individuals and institutions to make sound financial choices, fostering a more stable economic environment for all stakeholders involved.

在金融和投资的世界中，理解各种风险对于做出明智的决策至关重要。投资者和金融分析师必须意识到的关键概念之一是违约风险。违约风险指的是借款人未能按照约定条款履行其义务的可能性，特别是在贷款或债券的背景下。这种风险对贷方和投资者有重大影响，因为它可能导致财务损失并影响金融市场的整体稳定性。要理解违约风险，重要的是认识到其来源。多种因素会影响借款人违约的可能性，包括经济状况、借款人的信用worthiness和贷款本身的性质。例如，在经济衰退期间，个人和企业可能难以产生足够的收入来偿还债务，从而增加了违约风险。同样，信用历史不良的借款人更有可能违约，因为他们可能已经表现出无法有效管理财务义务的能力。投资者通常通过检查评级机构为借款人分配的信用评级来评估违约风险。这些机构评估借款人的财务健康状况，并分配反映其违约可能性的评级。较高的信用评级表示较低的违约风险，而较低的评级则表明更大的违约风险。通过分析这些评级，投资者可以更明智地决定将资金分配到哪里，以及避免哪些投资。此外，违约风险不仅限于个人借款人。它也可以适用于政府和企业。例如，当政府发行债券时，投资者必须考虑与该政府履行债务义务能力相关的违约风险。面临政治不稳定或经济挑战的国家可能会呈现出更高的违约风险，这导致其债券的收益率更高，以补偿投资者承担该风险。为了降低违约风险，投资者可以通过在不同部门和地区投资一系列资产来实现投资组合的多样化。多样化有助于分散风险，因此如果某项投资违约，对整体投资组合的影响就会最小。此外，投资者可以选择投资于提供某种形式保护的证券，例如信用违约掉期，这可以为违约提供保险。总之，理解违约风险对于任何参与金融或投资的人来说都是必不可少的。它在决策过程中发挥着关键作用，影响从贷款批准到投资策略的方方面面。通过了解影响违约风险的因素并利用工具来评估和管理它，投资者可以更好地应对金融市场的复杂性并保护自己的投资。最终，全面理解违约风险使个人和机构能够做出合理的财务选择，为所有参与者创造一个更稳定的经济环境。