credit worthy

简明释义

可给予信贷的

英英释义

例句

1.Before approving the loan, the bank needs to determine if the applicant is credit worthy.

在批准贷款之前，银行需要确定申请人是否信用良好。

2.She worked hard to improve her financial habits to become credit worthy for a mortgage.

她努力改善自己的财务习惯，以便能够获得房贷而变得信用良好。

3.Companies often assess whether a business partner is credit worthy before entering a contract.

公司在签订合同之前，通常会评估商业伙伴是否信用良好。

4.Having a good credit history makes you more credit worthy in the eyes of lenders.

良好的信用记录使你在贷方眼中更信用良好。

5.The landlord checked my credit score to see if I was credit worthy enough to rent the apartment.

房东查看了我的信用评分，以确定我是否足够信用良好以租住公寓。

作文

In today's financial landscape, understanding the concept of being credit worthy is essential for individuals and businesses alike. The term credit worthy refers to a person's or entity's ability to repay borrowed money and their reliability in doing so. Lenders assess this quality through various means, including credit scores, income levels, and past financial behaviors. Essentially, being credit worthy indicates that a borrower is considered a low-risk candidate for loans or credit extensions.For individuals, achieving a credit worthy status often involves maintaining a good credit score. This score is calculated based on several factors, such as payment history, amounts owed, length of credit history, new credit inquiries, and types of credit used. A higher credit score reflects responsible financial behavior, making it easier for individuals to secure loans for significant purchases like homes or cars. Moreover, those who are deemed credit worthy typically enjoy lower interest rates, which can save them substantial amounts over time.On the other hand, businesses also strive to be recognized as credit worthy. For companies, lenders evaluate their financial health through balance sheets, income statements, and cash flow analyses. A business that demonstrates strong revenue, manageable debt levels, and consistent profitability is more likely to be seen as credit worthy. This status not only facilitates access to capital but also enhances a company's reputation in the marketplace.However, the journey to becoming credit worthy is not always straightforward. Many individuals face challenges such as student loans, medical debts, or unexpected financial hardships that can negatively impact their credit scores. Similarly, businesses may encounter economic downturns that affect their cash flow and overall financial stability. To overcome these hurdles, both individuals and businesses must develop strategies to improve their creditworthiness.One effective strategy for individuals is to pay bills on time consistently. Late payments can significantly damage a credit score, so setting up reminders or automatic payments can help maintain a positive payment history. Additionally, reducing outstanding debts by paying down credit card balances and avoiding new debt can bolster one's credit worthy status.For businesses, maintaining transparent financial practices and building strong relationships with creditors can enhance their credit worthy image. Regularly reviewing financial statements and being proactive in addressing any potential issues can prevent negative impacts on credit ratings. Furthermore, establishing a diverse range of credit types, such as lines of credit and installment loans, can demonstrate a business's ability to manage various financial obligations effectively.In conclusion, being credit worthy is a crucial aspect of financial health for both individuals and businesses. It opens doors to better financing options and lower interest rates, ultimately leading to more significant financial opportunities. By understanding what it means to be credit worthy and taking proactive steps to achieve this status, individuals and businesses can secure their financial futures and navigate the complexities of borrowing with confidence.

在当今的金融环境中，理解“信用良好”这一概念对于个人和企业都是至关重要的。术语信用良好指的是个人或实体偿还借款的能力以及其可靠性。贷方通过各种方式评估这一特征，包括信用评分、收入水平和过去的财务行为。基本上，成为信用良好意味着借款人被认为是低风险的贷款或信用扩展候选人。对于个人而言，获得信用良好的状态通常涉及保持良好的信用评分。这个评分是根据几个因素计算得出的，例如还款历史、欠款金额、信用历史的长度、新信用查询和使用的信用类型。较高的信用评分反映出负责任的财务行为，使个人更容易获得用于购置重要物品（如房屋或汽车）的贷款。此外，那些被认为是信用良好的人通常享有更低的利率，这可以为他们节省大量资金。另一方面，企业也努力被认可为信用良好。对于公司，贷方通过资产负债表、收入报表和现金流分析来评估其财务健康状况。表现出强劲收入、可控债务水平和持续盈利能力的企业更有可能被视为信用良好。这种状态不仅便利了资本的获取，还增强了公司在市场上的声誉。然而，成为信用良好的过程并不总是简单的。许多人面临挑战，例如学生贷款、医疗债务或意外的财务困难，这些都可能对他们的信用评分产生负面影响。同样，企业可能会遭遇经济衰退，影响其现金流和整体财务稳定性。为了克服这些障碍，个人和企业必须制定策略以提高其信用worthiness。对于个人而言，一项有效的策略是始终按时支付账单。逾期付款可能会严重损害信用评分，因此设置提醒或自动付款可以帮助保持积极的还款历史。此外，通过偿还信用卡余额和避免新债务来减少未偿债务可以增强一个人的信用良好状态。对于企业而言，保持透明的财务实践并与债权人建立良好的关系可以提升其信用良好的形象。定期审查财务报表，并主动解决任何潜在问题，可以防止对信用评级产生负面影响。此外，建立多样化的信用类型，例如信用额度和分期贷款，可以有效地展示企业管理各种财务义务的能力。总之，成为信用良好是个人和企业财务健康的重要方面。它为更好的融资选择和更低的利率打开了大门，最终导致更重大的财务机会。通过理解成为信用良好的含义并采取积极措施实现这一状态，个人和企业可以确保其财务未来，并自信地应对借贷的复杂性。