credit squeeze

简明释义

压缩信用

英英释义

例句

1.Investors are worried about a potential credit squeeze 信贷紧缩 that could impact the stock market.

投资者担心可能出现的信贷紧缩会影响股市。

2.As banks tightened their lending standards, consumers experienced a credit squeeze 信贷紧缩 that limited their purchasing power.

随着银行收紧贷款标准，消费者经历了信贷紧缩，这限制了他们的购买力。

3.The credit squeeze 信贷紧缩 led to a slowdown in economic growth as businesses struggled to obtain financing.

由于企业难以获得融资，信贷紧缩导致经济增长放缓。

4.During the last recession, many small businesses faced a severe credit squeeze 信贷紧缩, making it difficult for them to secure loans.

在上一次经济衰退期间，许多小企业面临严重的信贷紧缩，这使得他们很难获得贷款。

5.The government implemented measures to combat the credit squeeze 信贷紧缩 affecting the housing market.

政府采取措施来应对影响房地产市场的信贷紧缩。

作文

The term credit squeeze refers to a situation where there is a significant reduction in the availability of loans or credit from financial institutions. This phenomenon often occurs during economic downturns or periods of financial instability, when banks and lenders become more cautious about extending credit. A credit squeeze can have profound effects on both individuals and businesses, as it limits their ability to borrow money for investment, consumption, or other financial needs.During a credit squeeze, banks may raise interest rates or impose stricter lending criteria, making it more difficult for borrowers to qualify for loans. This can lead to a decrease in consumer spending, as individuals are unable to finance large purchases such as homes or cars. Similarly, businesses may struggle to secure funding for expansion or operations, leading to reduced hiring and investment. The ripple effects of a credit squeeze can slow down economic growth and increase unemployment rates.One of the key causes of a credit squeeze is a rise in default rates among borrowers. When borrowers begin to default on their loans, lenders become wary of further extending credit, fearing that they too will not be repaid. This can create a vicious cycle where the lack of available credit exacerbates economic woes, leading to even more defaults and tightening of credit conditions.Governments and central banks often take measures to combat a credit squeeze. For instance, they may lower interest rates to encourage borrowing or implement quantitative easing programs to inject liquidity into the financial system. These actions aim to restore confidence among lenders and stimulate economic activity by making credit more accessible.However, the effectiveness of these measures can vary. In some cases, even with lower interest rates, banks may still be hesitant to lend due to concerns about the overall economic environment. This can result in a prolonged period of credit squeeze, where the economy struggles to recover despite efforts to improve credit conditions.In conclusion, a credit squeeze is a critical economic event that can significantly impact the financial landscape. Understanding its implications helps individuals and businesses navigate challenging economic times. By recognizing the signs of a credit squeeze and the potential strategies to mitigate its effects, stakeholders can better prepare for the uncertainties of the financial world. It is essential for policymakers to monitor credit conditions closely and respond proactively to ensure that credit remains available to those who need it, thus fostering economic stability and growth.

“信用紧缩”一词指的是金融机构显著减少贷款或信贷可用性的情况。这种现象通常发生在经济衰退或金融不稳定时期，当银行和贷款人对发放信贷变得更加谨慎时。“信用紧缩”对个人和企业都有深远的影响，因为它限制了他们为投资、消费或其他财务需求借款的能力。在“信用紧缩”期间，银行可能会提高利率或施加更严格的贷款标准，使借款人更难获得贷款。这可能导致消费者支出减少，因为个人无法为购置住房或汽车等大宗商品提供资金。同样，企业可能难以获得扩张或运营所需的资金，从而导致招聘和投资减少。“信用紧缩”的涟漪效应可能减缓经济增长并增加失业率。“信用紧缩”的一个主要原因是借款人违约率上升。当借款人开始违约其贷款时，贷款人会对进一步发放信贷变得警惕，担心自己也不会得到偿还。这可能造成恶性循环，缺乏可用信贷加剧经济困境，导致更多违约和信贷条件收紧。政府和中央银行通常会采取措施来应对“信用紧缩”。例如，他们可能会降低利率以鼓励借贷，或实施量化宽松计划以向金融系统注入流动性。这些行动旨在恢复贷款人的信心，并通过使信贷更易获得来刺激经济活动。然而，这些措施的有效性可能有所不同。在某些情况下，即使利率降低，银行仍可能因对整体经济环境的担忧而犹豫不决。这可能导致“信用紧缩”持续较长时间，尽管努力改善信贷条件，经济仍然在挣扎复苏。总之，“信用紧缩”是一个关键的经济事件，可能对金融格局产生重大影响。理解其影响有助于个人和企业在困难的经济时期应对挑战。通过识别“信用紧缩”的迹象及其潜在影响的策略，利益相关者可以更好地为金融世界的不确定性做好准备。政策制定者密切监测信贷状况并主动作出反应，以确保信贷继续可用，满足需要，从而促进经济稳定和增长，这一点至关重要。