delinquent-loan ratio

简明释义

拖欠贷款率

英英释义

例句

1.The bank reported a decrease in its delinquent-loan ratio (逾期贷款比率) this quarter, indicating better loan management.

银行报告本季度其逾期贷款比率（delinquent-loan ratio）有所下降，表明贷款管理改善。

2.To improve the delinquent-loan ratio (逾期贷款比率), the company implemented stricter credit checks.

为了改善逾期贷款比率（delinquent-loan ratio），公司实施了更严格的信用审查。

3.A high delinquent-loan ratio (逾期贷款比率) can signal potential problems within a bank's lending practices.

高逾期贷款比率（delinquent-loan ratio）可能预示着银行借贷实践中的潜在问题。

4.Investors often look at the delinquent-loan ratio (逾期贷款比率) when assessing the risk of a financial institution.

投资者在评估金融机构的风险时，通常会关注逾期贷款比率（delinquent-loan ratio）。

5.During the economic downturn, many banks saw their delinquent-loan ratio (逾期贷款比率) rise significantly.

在经济衰退期间，许多银行的逾期贷款比率（delinquent-loan ratio）显著上升。

作文

In the financial world, understanding various metrics is crucial for assessing the health of a loan portfolio. One such important metric is the delinquent-loan ratio, which plays a significant role in evaluating the performance of lenders and the risks associated with their lending activities. The delinquent-loan ratio refers to the proportion of loans that are past due compared to the total number of loans in a lender's portfolio. This ratio is vital for both lenders and borrowers, as it provides insights into the creditworthiness of borrowers and the overall stability of the financial institution.When a borrower fails to make timely payments on a loan, it is classified as delinquent. The longer a loan remains unpaid, the more it can affect the lender's financial health. A high delinquent-loan ratio indicates that a significant number of borrowers are struggling to meet their obligations, which can lead to increased losses for the lender. On the other hand, a low ratio suggests that borrowers are generally able to manage their debts effectively, reflecting positively on the lender's risk management practices.The implications of the delinquent-loan ratio extend beyond individual lenders. When analyzing the overall economy, this ratio can serve as an indicator of economic health. A rising delinquent-loan ratio may signal economic distress, as it often correlates with higher unemployment rates and decreased consumer confidence. Conversely, a declining ratio can suggest an improving economy, where borrowers are more capable of fulfilling their financial commitments.For lenders, monitoring the delinquent-loan ratio is essential for making informed decisions regarding credit risk management. By regularly assessing this ratio, lenders can identify trends and adjust their lending criteria accordingly. For instance, if the delinquent-loan ratio begins to rise, lenders may tighten their underwriting standards, increase interest rates, or enhance their collection efforts to mitigate potential losses.Additionally, the delinquent-loan ratio can influence investor confidence. Investors often scrutinize this ratio when evaluating the risk associated with investing in financial institutions. A lender with a high delinquent-loan ratio may struggle to attract investment, as potential investors may perceive the institution as a higher risk. In contrast, a lender with a low ratio may find it easier to secure funding and grow its operations.Moreover, the delinquent-loan ratio can also impact regulatory scrutiny. Financial regulators monitor this ratio to ensure that lenders maintain sufficient capital reserves to cover potential losses from delinquent loans. If a lender’s delinquent-loan ratio exceeds certain thresholds, it may face increased oversight and be required to implement corrective measures to improve its financial standing.In conclusion, the delinquent-loan ratio is a critical metric that provides valuable insights into the health of a lender's loan portfolio and the broader economic landscape. Understanding this ratio allows lenders to manage credit risk effectively, informs investors about potential risks, and helps regulators ensure the stability of the financial system. As such, both lenders and borrowers should pay close attention to the delinquent-loan ratio to navigate the complexities of the lending environment successfully.

在金融世界中，理解各种指标对于评估贷款组合的健康状况至关重要。其中一个重要指标是逾期贷款比率，它在评估贷方的表现和与其放贷活动相关的风险方面发挥着重要作用。逾期贷款比率指的是逾期贷款占贷方贷款组合总数的比例。这个比率对贷方和借款人都很重要，因为它提供了借款人信用worthiness 和金融机构整体稳定性的洞察。当借款人未能按时偿还贷款时，该贷款被归类为逾期。贷款逾期的时间越长，它对贷方的财务健康影响就越大。高逾期贷款比率表明，许多借款人难以履行他们的义务，这可能导致贷方的损失增加。另一方面，低比率则表明借款人通常能够有效管理他们的债务，这对贷方的风险管理实践反映出积极的影响。逾期贷款比率的影响超出了个别贷方。当分析整体经济时，这个比率可以作为经济健康的指标。上升的逾期贷款比率可能表明经济困境，因为它通常与更高的失业率和消费者信心下降相关。相反，下降的比率可以暗示经济改善，借款人更有能力履行他们的财务承诺。对于贷方来说，监测逾期贷款比率对做出明智的信用风险管理决策至关重要。通过定期评估这一比率，贷方可以识别趋势并相应调整其放贷标准。例如，如果逾期贷款比率开始上升，贷方可能会收紧承保标准、提高利率或加强催收工作，以减轻潜在损失。此外，逾期贷款比率还可能影响投资者信心。投资者通常会在评估金融机构的投资风险时仔细审查该比率。具有高逾期贷款比率的贷方可能难以吸引投资，因为潜在投资者可能将该机构视为更高风险。相比之下，具有低比率的贷方可能更容易获得资金并扩大其运营。此外，逾期贷款比率还可能影响监管审查。金融监管机构监测这一比率，以确保贷方保持足够的资本储备以覆盖逾期贷款的潜在损失。如果贷方的逾期贷款比率超过某些阈值，它可能面临更严格的监管，并被要求实施纠正措施以改善其财务状况。总之，逾期贷款比率是一个关键指标，提供了关于贷方贷款组合健康状况和更广泛经济环境的宝贵洞察。理解这一比率使贷方能够有效管理信用风险，向投资者提供潜在风险的信息，并帮助监管机构确保金融系统的稳定。因此，无论是贷方还是借款人，都应密切关注逾期贷款比率，以成功应对贷款环境的复杂性。