loan on bottomry

简明释义

冒险借贷

英英释义

例句

1.Investors often look for opportunities to provide loan on bottomry as it offers high returns in maritime trade.

投资者通常寻找提供底押贷款的机会，因为它在海上贸易中提供高回报。

2.The shipowner secured a loan on bottomry to finance the repairs after the storm damaged his vessel.

船东为了修理在暴风雨中受损的船只，获得了一笔底押贷款。

3.In maritime law, a loan on bottomry is a loan secured by the ship itself.

在海事法中，底押贷款是以船只本身作为担保的贷款。

4.The terms of the loan on bottomry were favorable, allowing the shipowner to repay only if the voyage was successful.

这笔底押贷款的条款很有利，允许船东仅在航行成功时偿还。

5.After losing cargo at sea, the captain took a loan on bottomry to cover the losses.

在海上失去货物后，船长申请了一笔底押贷款来弥补损失。

作文

The concept of maritime finance has always been a crucial aspect of international trade. One of the most interesting and historical forms of maritime financing is the loan on bottomry. This type of loan is specifically designed for shipowners who need to secure funds for their vessels while at sea. Essentially, a loan on bottomry (海船抵押贷款) allows the shipowner to borrow money against the value of their ship and cargo, with the understanding that if the ship does not return safely, the lender will lose their investment. This financial arrangement reflects the inherent risks of maritime ventures, where the dangers of storms, piracy, and other perils can threaten both the ship and its cargo.Understanding the mechanics of a loan on bottomry (海船抵押贷款) requires a look into its historical context. Dating back to ancient times, this form of financing was essential for merchants who engaged in long-distance trade. When ships set sail, they often faced unpredictable conditions, which made securing loans through traditional means difficult. As a result, the loan on bottomry emerged as a practical solution, allowing shipowners to access necessary funds without risking their personal assets.The terms of a loan on bottomry (海船抵押贷款) are quite unique. Typically, the loan is repaid only if the ship returns safely. If the vessel is lost, the lender has no claim to the ship or its cargo, which makes this type of loan particularly risky for lenders. However, the potential rewards can be significant, especially when the ship successfully completes its journey and returns with valuable goods. The interest rates on such loans can be high, reflecting the risk involved.In modern times, while the practice of loan on bottomry (海船抵押贷款) may not be as common as it once was, its principles still apply in various forms. Contemporary maritime financing includes options like marine insurance and secured loans, which provide similar protections for lenders and borrowers. However, the essence of taking a risk on the high seas remains a fundamental part of maritime commerce.In conclusion, the loan on bottomry (海船抵押贷款) serves as an important reminder of the risks and rewards associated with maritime trade. It highlights how financial instruments can evolve to meet the needs of specific industries and the challenges they face. Understanding this concept not only enriches our knowledge of maritime law and finance but also sheds light on the broader economic principles that govern trade and investment in high-risk environments. As we continue to explore the complexities of global commerce, the legacy of the loan on bottomry will undoubtedly remain a topic of interest for those studying the interplay between risk, reward, and innovation in finance.

海洋融资的概念一直是国际贸易中至关重要的一个方面。其中一种最有趣和历史悠久的海洋融资形式就是海船抵押贷款。这种类型的贷款专门为需要在海上为其船只筹集资金的船东设计。基本上，海船抵押贷款允许船东以其船舶和货物的价值为抵押借款，并且理解如果船只未能安全返回，贷方将失去其投资。这种金融安排反映了海洋冒险的固有风险，因为风暴、海盗和其他危险可能威胁到船只及其货物。理解海船抵押贷款的机制需要了解其历史背景。追溯到古代，这种融资形式对于参与远洋贸易的商人来说至关重要。当船只启航时，它们常常面临不可预测的条件，这使得通过传统方式获得贷款变得困难。因此，海船抵押贷款应运而生，允许船东在不冒个人资产风险的情况下获得必要的资金。海船抵押贷款的条款非常独特。通常，只有当船只安全返回时，贷款才会被偿还。如果船只失踪，贷方对船只或货物没有索赔权，这使得这种类型的贷款对贷方来说尤其风险很大。然而，潜在的回报可能是显著的，特别是当船只成功完成航程并带回有价值的货物时。这类贷款的利率可能很高，反映了涉及的风险。在现代，虽然海船抵押贷款的做法可能不如以前那么普遍，但其原则仍然以各种形式适用。当代海洋融资包括海洋保险和担保贷款等选项，这些选项为贷方和借款人提供类似的保护。然而，在高风险环境中承担风险的本质仍然是海洋商业的重要组成部分。总之，海船抵押贷款提醒我们与海洋贸易相关的风险和回报。它突显了金融工具如何演变以满足特定行业的需求及其面临的挑战。理解这一概念不仅丰富了我们对海洋法和金融的知识，还揭示了治理高风险环境中的贸易和投资的更广泛经济原则。随着我们继续探索全球商业的复杂性，海船抵押贷款的遗产无疑将成为研究风险、回报和金融创新之间相互作用的人的一个重要话题。