call loan panic

简明释义

通知放款恐慌

英英释义

例句

1.To avoid a call loan panic 贷款召回恐慌, the bank implemented new policies to stabilize its lending practices.

为了避免发生贷款召回恐慌，银行实施了新政策以稳定其贷款实践。

2.The sudden call loan panic 贷款召回恐慌 led to widespread fear among small business owners who relied on loans.

突如其来的贷款召回恐慌在依赖贷款的小企业主中引发了广泛的恐慌。

3.The call loan panic 贷款召回恐慌 in the market forced many companies to liquidate their assets quickly.

市场上的贷款召回恐慌迫使许多公司迅速变现资产。

4.Investors were caught off guard by the sudden call loan panic 贷款召回恐慌, leading to a sharp decline in stock prices.

投资者被突如其来的贷款召回恐慌所震惊，导致股价急剧下跌。

5.During the financial crisis, many banks experienced a call loan panic 贷款召回恐慌 as they demanded immediate repayment from borrowers.

在金融危机期间，许多银行经历了贷款召回恐慌，因为它们要求借款人立即还款。

作文

In the world of finance, various terms and concepts define the dynamics of market behavior. One such term that has gained attention, especially during periods of economic instability, is call loan panic. This phrase refers to a situation where lenders demand the immediate repayment of loans, typically due to fears of default or significant market downturns. Understanding the implications of call loan panic is crucial for both investors and borrowers alike, as it can lead to severe liquidity issues and exacerbate financial crises.To grasp the concept of call loan panic, it is essential to understand the mechanics of call loans. Call loans are short-term loans that can be called back by the lender at any moment, often without prior notice. This characteristic makes them a flexible financing option for investors, particularly in the stock market. However, this flexibility can turn into a double-edged sword. When market conditions become volatile, lenders may initiate a call loan panic, demanding immediate repayment from borrowers who may not have the liquidity to cover these demands.The origins of a call loan panic can often be traced back to a sudden loss of confidence in the financial markets. For example, during a stock market crash, the value of collateral backing these loans may plummet, prompting lenders to protect their interests by calling in loans. This creates a cascading effect where borrowers are forced to liquidate assets quickly, often at unfavorable prices, leading to further declines in market value and increased panic among investors.Historically, we have seen instances of call loan panic during major financial crises. The Great Depression of the 1930s is one notable example, where a lack of confidence led to widespread loan calls, contributing to the economic downturn. More recently, the 2008 financial crisis also showcased how a sudden wave of call loan panic can destabilize markets and lead to severe economic consequences.The psychological aspect of call loan panic cannot be overlooked. Fear plays a significant role in financial decision-making. When investors sense that others are panicking, they may react irrationally, exacerbating the situation. This herd mentality can lead to a rapid decline in asset prices, as everyone rushes to sell before they incur further losses. Such behavior reinforces the initial panic, creating a vicious cycle that is difficult to break.To mitigate the risks associated with call loan panic, it is crucial for both lenders and borrowers to maintain open lines of communication and to establish clear terms regarding loan agreements. Additionally, having a diversified portfolio can help borrowers weather the storm during times of financial uncertainty. Lenders, on the other hand, should assess the creditworthiness of borrowers thoroughly and consider the broader economic context before making rash decisions regarding loan calls.In conclusion, the term call loan panic encapsulates a critical aspect of financial markets that can lead to severe repercussions if not managed properly. By understanding its implications and preparing accordingly, both investors and lenders can navigate the complexities of financial markets more effectively. The key lies in fostering a stable environment where confidence can thrive, thus minimizing the chances of a call loan panic occurring in the first place.

在金融世界中，各种术语和概念定义了市场行为的动态。其中一个在经济不稳定时期引起关注的术语是call loan panic。这个短语指的是一种情况，贷方因对违约或显著市场下跌的恐惧而要求立即偿还贷款。理解call loan panic的影响对投资者和借款人都至关重要，因为它可能导致严重的流动性问题并加剧金融危机。要理解call loan panic的概念，首先需要了解可调用贷款的机制。可调用贷款是一种短期贷款，贷方可以随时要求偿还，通常没有事先通知。这一特性使其成为投资者，特别是在股票市场中，一个灵活的融资选择。然而，这种灵活性也可能成为一把双刃剑。当市场状况变得不稳定时，贷方可能会发起call loan panic，要求那些可能没有流动性来满足这些要求的借款人立即偿还。call loan panic的起源通常可以追溯到对金融市场信心的突然丧失。例如，在股市崩盘期间，作为这些贷款担保的抵押品的价值可能会暴跌，促使贷方通过收回贷款来保护自己的利益。这造成了一个连锁反应，借款人被迫迅速清算资产，通常以不利的价格出售，从而进一步导致市场价值下降，并加剧投资者之间的恐慌。历史上，我们已经看到在主要金融危机期间发生的call loan panic实例。20世纪30年代的大萧条就是一个显著的例子，缺乏信心导致广泛的贷款收回，加剧了经济衰退。最近的2008年金融危机也展示了如何突如其来的call loan panic能使市场不稳定，并导致严重的经济后果。call loan panic的心理方面也不容忽视。恐惧在金融决策中扮演着重要角色。当投资者感到他人正在恐慌时，他们可能会做出不理性的反应，加剧局势。这种羊群效应可能导致资产价格迅速下降，因为每个人都急于在遭受进一步损失之前出售。这种行为进一步强化了最初的恐慌，形成了一个难以打破的恶性循环。为了减轻与call loan panic相关的风险，贷方和借款人都必须保持开放的沟通渠道，并建立明确的贷款协议条款。此外，拥有多元化的投资组合可以帮助借款人在金融不确定时期渡过难关。另一方面，贷方应彻底评估借款人的信用worthiness，并在做出关于贷款收回的草率决定之前考虑更广泛的经济背景。总之，术语call loan panic概括了金融市场的一个关键方面，如果管理不当，可能导致严重的后果。通过理解其影响并做好相应准备，投资者和贷方都可以更有效地应对金融市场的复杂性。关键在于营造一个稳定的环境，让信心得以蓬勃发展，从而最大限度地减少call loan panic首次发生的机会。