rationed credit

简明释义

限额信贷

英英释义

例句

1.Small businesses struggled to survive as they faced rationed credit from financial institutions.

小企业在面对金融机构的配给信贷时挣扎求生。

2.The government implemented policies to control rationed credit during the recession.

政府在经济衰退期间实施政策来控制配给信贷。

3.During the economic downturn, many banks offered only rationed credit to limit their risks.

在经济衰退期间，许多银行只提供配给信贷以限制风险。

4.Consumers found it difficult to make large purchases due to rationed credit limits.

由于配给信贷的限制，消费者发现难以进行大额购买。

5.In times of crisis, rationed credit can help stabilize the economy by preventing over-borrowing.

在危机时期，配给信贷可以通过防止过度借贷来帮助稳定经济。

作文

In the world of economics, the term rationed credit refers to a situation where the availability of credit is limited or controlled by financial institutions or government policies. This practice often occurs during times of economic instability, when lenders become cautious and are less willing to extend loans to borrowers. The concept of rationed credit is essential to understand, especially in the context of managing economic downturns and ensuring that essential sectors receive the necessary funding to survive.When credit is rationed, it means that not everyone who seeks a loan will be able to obtain one. Financial institutions may impose strict criteria for lending, which can include factors such as credit scores, income levels, and overall financial health. This can lead to a situation where only those deemed 'creditworthy' can access loans, while others, particularly small businesses and individuals with lower credit ratings, may struggle to secure financing. This selective lending can stifle economic growth, as it restricts the flow of money into the market.The implications of rationed credit can be far-reaching. For instance, during the 2008 financial crisis, many banks tightened their lending standards significantly. This resulted in a decrease in consumer spending and business investments, further exacerbating the recession. With fewer loans being issued, businesses faced challenges in maintaining operations, leading to layoffs and reduced economic activity. Therefore, understanding how rationed credit operates can help policymakers devise strategies to stimulate the economy during challenging times.One potential solution to the problem of rationed credit is the implementation of government-backed loans or guarantees. By providing guarantees to lenders, the government can encourage them to extend credit to a broader range of borrowers. This approach can help mitigate the risks associated with lending, thereby increasing the availability of credit in the market. Moreover, by targeting specific sectors, such as small businesses or startups, governments can ensure that vital areas of the economy receive the support they need to thrive.Additionally, financial education plays a crucial role in addressing the issue of rationed credit. Many individuals and small business owners may not fully understand the lending process or how to improve their creditworthiness. By offering workshops and resources on financial literacy, communities can empower potential borrowers to enhance their financial profiles, making them more attractive to lenders. This proactive approach can help reduce the barriers created by rationed credit and promote a healthier lending environment.In conclusion, rationed credit is a critical concept in understanding the dynamics of lending and borrowing in an economy. It highlights the challenges faced by individuals and businesses when access to credit is restricted. By recognizing the causes and consequences of rationed credit, stakeholders can work towards solutions that foster a more inclusive financial system, ultimately benefiting the economy as a whole. As we move forward, it is imperative to strike a balance between prudent lending practices and the need for accessible credit, ensuring that all members of society have the opportunity to thrive financially.

在经济学的世界中，术语配给信贷指的是一种情况，其中信贷的可用性受到金融机构或政府政策的限制或控制。这种做法通常发生在经济不稳定时期，当贷方变得谨慎并且不太愿意向借款人提供贷款时。理解配给信贷的概念是至关重要的，尤其是在管理经济衰退和确保基本部门获得必要资金以生存的背景下。当信贷被配给时，这意味着并不是每个寻求贷款的人都能获得贷款。金融机构可能会对借贷施加严格的标准，这可能包括信用评分、收入水平和整体财务健康等因素。这可能导致只有那些被认为“信用良好”的人才能获得贷款，而其他人，特别是小企业和信用评级较低的个人，可能难以获得融资。这种选择性的贷款可能抑制经济增长，因为它限制了资金流入市场。配给信贷的影响可能深远。例如，在2008年金融危机期间，许多银行显著收紧了贷款标准。这导致消费者支出和商业投资的减少，进一步加剧了衰退。由于发放的贷款减少，企业面临维持运营的挑战，导致裁员和经济活动减少。因此，理解配给信贷如何运作可以帮助政策制定者制定刺激经济的策略，以应对困难时期。解决配给信贷问题的一种潜在解决方案是实施政府担保贷款或保障。通过向贷方提供担保，政府可以鼓励他们向更广泛的借款人提供信贷。这种方法可以帮助减轻与贷款相关的风险，从而增加市场上信贷的可用性。此外，通过针对特定行业，如小企业或初创企业，政府可以确保经济的重要领域获得所需的支持。此外，金融教育在解决配给信贷问题中发挥着至关重要的作用。许多个人和小企业主可能并不完全了解借贷过程或如何改善他们的信用状况。通过提供研讨会和金融素养资源，社区可以赋予潜在借款人增强其财务状况的能力，使他们对贷方更具吸引力。这种积极主动的方法可以帮助减少由配给信贷造成的障碍，促进更健康的贷款环境。总之，配给信贷是理解经济中借贷动态的关键概念。它突显了当信贷获取受限时，个人和企业面临的挑战。通过认识到配给信贷的原因和后果，各方可以共同努力寻找促进更具包容性的金融体系的解决方案，最终使整个经济受益。随着我们向前发展，必须在谨慎的贷款实践和可获得信贷的需求之间取得平衡，确保社会所有成员都有机会在财务上繁荣。