marking down loans

简明释义

降低贷款利息

英英释义

例句

1.The bank is currently marking down loans to attract more borrowers during the economic downturn.

银行目前正在降低贷款利率以吸引更多借款人，特别是在经济衰退期间。

2.Investors are worried that marking down loans will lead to a decrease in overall profitability.

投资者担心降低贷款利率会导致整体盈利能力下降。

3.Due to high default rates, the lender decided on marking down loans to mitigate potential losses.

由于违约率高，贷款方决定降低贷款利率以减少潜在损失。

4.The company announced it would be marking down loans for first-time homebuyers as part of a new initiative.

公司宣布将为首次购房者降低贷款利率，这是新举措的一部分。

5.In response to the housing market crash, many financial institutions began marking down loans to help stabilize the economy.

为了应对房地产市场崩溃，许多金融机构开始降低贷款利率以帮助稳定经济。

作文

In the world of finance, the term marking down loans refers to the practice of reducing the value of loans on a bank's balance sheet. This process is essential for financial institutions, especially during times of economic downturn or when borrowers default on their payments. When a loan is marked down, it signifies that the bank acknowledges that the loan is less likely to be repaid in full, and thus, it adjusts its financial records accordingly. This adjustment can have significant implications for the bank's overall financial health and its ability to lend further.The process of marking down loans typically occurs in response to changing economic conditions or the financial performance of specific borrowers. For instance, if a large number of borrowers in a certain sector begin to struggle financially, banks may proactively mark down loans associated with that sector to reflect the increased risk. This is particularly relevant in industries that are cyclical in nature, such as real estate or manufacturing, where economic fluctuations can lead to higher default rates.Moreover, marking down loans is not only a reactive measure; it can also serve as a strategic tool for banks. By adjusting the value of their loan portfolios, banks can better manage their capital reserves and maintain compliance with regulatory requirements. This is crucial because financial institutions are often required to hold a certain amount of capital against potential losses. Thus, by marking down loans, banks can ensure they are adequately prepared for any future financial challenges.Another important aspect of marking down loans is its impact on investors and stakeholders. When banks report lower values for their loans, it can lead to decreased investor confidence and a drop in stock prices. Investors closely monitor the health of a bank's loan portfolio, as it is a key indicator of the institution's stability and profitability. Consequently, if a bank is perceived as having a high level of marked-down loans, it may struggle to attract new investment or maintain its current stock price.On a broader scale, the practice of marking down loans can influence the entire economy. When banks mark down a significant portion of their loans, it can lead to tighter lending standards and reduced access to credit for consumers and businesses. This can create a ripple effect throughout the economy, as reduced lending can stifle growth and limit opportunities for individuals and small businesses. Therefore, understanding the implications of marking down loans is vital for anyone interested in the financial sector or economic policy.In conclusion, marking down loans is a critical practice within the banking industry that reflects both the risks faced by financial institutions and their strategies for managing those risks. It serves as a barometer for the health of the economy and can have far-reaching consequences for both banks and their customers. As we move forward in an increasingly complex financial landscape, the importance of understanding concepts like marking down loans will only continue to grow. Financial literacy is essential for navigating these intricacies, and being informed about such practices can empower individuals and businesses alike to make better financial decisions.

在金融领域，短语marking down loans指的是银行在其资产负债表上降低贷款价值的做法。这个过程对于金融机构来说至关重要，尤其是在经济衰退时期或借款人违约时。当一笔贷款被标记降低时，意味着银行承认该贷款不太可能全额偿还，因此相应地调整其财务记录。这种调整对银行的整体财务健康和进一步放贷能力有重大影响。marking down loans的过程通常是响应经济状况变化或特定借款人的财务表现。例如，如果某一行业的大量借款人开始面临财务困难，银行可能会主动降低与该行业相关的贷款价值，以反映增加的风险。这在周期性行业（如房地产或制造业）中特别相关，因为经济波动可能导致更高的违约率。此外，marking down loans不仅仅是一种被动措施；它也可以作为银行的一种战略工具。通过调整其贷款组合的价值，银行可以更好地管理其资本储备，并保持符合监管要求。这一点至关重要，因为金融机构通常被要求为潜在损失保留一定数量的资本。因此，通过降低贷款价值，银行可以确保它们为未来的财务挑战做好充分准备。marking down loans的另一个重要方面是其对投资者和利益相关者的影响。当银行报告其贷款价值下降时，可能会导致投资者信心下降和股价下跌。投资者密切关注银行贷款组合的健康状况，因为这是衡量机构稳定性和盈利能力的关键指标。因此，如果一家银行被认为有较高比例的标记降低贷款，它可能会在吸引新投资或维持当前股价方面面临困难。在更广泛的层面上，marking down loans的做法可以影响整个经济。当银行大幅降低其贷款价值时，可能会导致更严格的贷款标准和消费者及企业信贷获取的减少。这可能在经济中产生连锁反应，因为信贷减少可能会抑制增长并限制个人和小企业的机会。因此，理解marking down loans的影响对任何对金融部门或经济政策感兴趣的人来说都是至关重要的。总之，marking down loans是银行业中的一种关键做法，反映了金融机构面临的风险以及其管理这些风险的策略。它作为经济健康的晴雨表，并可能对银行及其客户产生深远的后果。随着我们在日益复杂的金融环境中前行，理解像marking down loans这样的概念的重要性只会继续增长。金融素养对于驾驭这些复杂性至关重要，了解这些做法可以使个人和企业更好地做出财务决策。