call loans secured

简明释义

活期抵押放款

英英释义

例句

1.The bank requires that all investments be backed by call loans secured to minimize risk.

银行要求所有投资都需由担保的可召回贷款支持，以降低风险。

2.A financial advisor recommended using call loans secured as a strategy for leveraging assets.

一位财务顾问建议使用担保的可召回贷款作为杠杆资产的策略。

3.Investors often prefer call loans secured because they offer more flexibility in repayment.

投资者通常更喜欢担保的可召回贷款，因为它们在还款上提供了更多灵活性。

4.When the market is volatile, brokers may call in call loans secured to protect their investments.

当市场波动时，经纪人可能会收回担保的可召回贷款以保护他们的投资。

5.Before approving the loan, the lender assessed the call loans secured to ensure adequate collateral.

在批准贷款之前，贷方评估了担保的可召回贷款以确保有足够的抵押品。

作文

In the world of finance, understanding various terms and concepts is crucial for both investors and borrowers. One such term that often comes up in discussions about lending and borrowing is call loans secured. This phrase refers to a type of loan that is backed by collateral, which means that the borrower provides an asset that the lender can claim if the borrower fails to repay the loan. The concept of call loans secured is important because it highlights the relationship between risk and security in lending practices.To better understand call loans secured, it is essential to break down the components of the term. A 'call loan' generally refers to a short-term loan that can be 'called' or demanded for repayment by the lender at any time. This means that the borrower must be prepared to pay back the loan on short notice. When a loan is described as 'secured,' it indicates that the loan is backed by collateral, such as real estate, stocks, or other valuable assets. This collateral provides a safety net for the lender, ensuring that they can recover their funds even if the borrower defaults.The use of call loans secured can be particularly beneficial in certain financial situations. For example, investors may use these types of loans to leverage their investments, allowing them to access additional capital while minimizing risk. By securing the loan with collateral, they can potentially obtain better interest rates compared to unsecured loans. However, this practice also comes with its own set of risks. If the market value of the collateral decreases significantly, the borrower may face a margin call, requiring them to either provide additional collateral or repay a portion of the loan immediately.Moreover, the implications of call loans secured extend beyond individual borrowers. Financial institutions that offer these loans must carefully assess the value of the collateral and the creditworthiness of the borrower. This assessment process is vital to mitigate potential losses in case of default. Lenders must also consider market conditions and economic factors that could impact the value of the secured assets.In addition, the regulatory environment surrounding call loans secured is worth noting. Financial regulations often dictate how much leverage can be used when securing loans, as well as the types of collateral that are acceptable. These regulations aim to protect both borrowers and lenders, ensuring that lending practices remain fair and transparent.Ultimately, understanding call loans secured is essential for anyone involved in financial transactions, whether as a borrower or a lender. It underscores the importance of collateral in lending and the inherent risks associated with short-term financing. As markets continue to evolve, so too will the strategies surrounding secured loans, making it imperative for individuals and institutions to stay informed about their options and the potential consequences of their financial decisions.In conclusion, the term call loans secured encapsulates a significant aspect of the lending landscape, illustrating the balance between risk and security. By grasping the nuances of this concept, individuals can make more informed decisions regarding their financial futures, whether they are seeking loans or offering them. The interplay between collateral, borrower risk, and lender security remains a fundamental principle in the world of finance, and understanding it is key to navigating the complexities of borrowing and lending.

在金融世界中，理解各种术语和概念对投资者和借款者都是至关重要的。在有关借贷的讨论中，一个常常出现的术语是担保的随叫贷款。这个短语指的是一种由抵押品支持的贷款，这意味着借款人提供一个资产，如果借款人未能偿还贷款，贷款人可以索取该资产。担保的随叫贷款的概念很重要，因为它突出了借贷实践中风险与安全之间的关系。为了更好地理解担保的随叫贷款，有必要分解该术语的组成部分。“随叫贷款”通常指的是一种短期贷款，贷款人可以在任何时候要求“回收”或要求偿还。这意味着借款人必须准备好在短时间内偿还贷款。当贷款被描述为“担保”的时候，这表明贷款是由抵押品支持的，比如房地产、股票或其他有价值的资产。这种抵押品为贷款人提供了一个安全网，确保即使借款人违约，他们也能追回资金。在某些金融情况下，使用担保的随叫贷款可能特别有利。例如，投资者可能会利用这些类型的贷款来提高他们的投资杠杆，使他们能够获得额外的资本，同时降低风险。通过用抵押品担保贷款，他们可能会获得比无担保贷款更好的利率。然而，这种做法也伴随着自身的一系列风险。如果抵押品的市场价值显著下降，借款人可能会面临保证金追缴，要求他们提供额外的抵押品或立即偿还部分贷款。此外，担保的随叫贷款的影响不仅限于个人借款者。提供这些贷款的金融机构必须仔细评估抵押品的价值和借款人的信用worthiness。这个评估过程对于减轻违约时可能产生的损失至关重要。贷款人还必须考虑可能影响抵押资产价值的市场条件和经济因素。另外，围绕担保的随叫贷款的监管环境也是值得注意的。金融法规通常规定了在担保贷款时可以使用多少杠杆，以及哪些类型的抵押品是可以接受的。这些法规旨在保护借款人和贷款人，确保借贷实践保持公平和透明。最终，理解担保的随叫贷款对任何参与金融交易的人来说都是必不可少的，无论是作为借款人还是贷款人。它强调了抵押品在借贷中的重要性以及与短期融资相关的固有风险。随着市场的不断发展，围绕担保贷款的策略也将不断演变，使个人和机构必须保持对其选择及其财务决策潜在后果的了解。总之，术语担保的随叫贷款概括了借贷领域的重要方面，说明了风险与安全之间的平衡。通过掌握这一概念的细微差别，个人可以在寻求贷款或提供贷款时做出更明智的决定。抵押品、借款人风险和贷款人安全之间的相互作用仍然是金融世界的基本原则，理解它是驾驭借贷复杂性的关键。