Lombard loan

简明释义

英格兰银行给商业银行的证券抵押贷款

英英释义

例句

1.I secured a Lombard loan 质押贷款 for buying additional shares in the stock market.

我获得了一个用于购买额外股票的Lombard loan 质押贷款。

2.The interest rates on Lombard loans 质押贷款 are usually lower than personal loans.

与个人贷款相比，Lombard loans 质押贷款的利率通常较低。

3.With a Lombard loan 质押贷款, you can access funds quickly without selling your assets.

通过Lombard loan 质押贷款，您可以快速获取资金，而无需出售您的资产。

4.Many investors use a Lombard loan 质押贷款 to leverage their investments.

许多投资者使用Lombard loan 质押贷款来杠杆他们的投资。

5.The bank offered me a Lombard loan 质押贷款 against my investment portfolio.

银行为我提供了一笔以我的投资组合作为抵押的Lombard loan 质押贷款。

作文

A Lombard loan is a type of secured loan that is commonly used in the financial sector. It allows borrowers to obtain funds by pledging their securities, such as stocks or bonds, as collateral. The concept of a Lombard loan originated from the Lombards, a group of Italian bankers in the Middle Ages who provided loans against movable assets. This form of lending has evolved over the centuries and remains relevant today, especially for investors looking to leverage their portfolios without liquidating their assets.The primary advantage of a Lombard loan is its flexibility. Borrowers can access liquidity quickly while still retaining ownership of their investments. This is particularly beneficial in volatile markets where selling assets might not be favorable. For instance, if an investor holds shares in a company that they believe will appreciate in value over time, they can take out a Lombard loan against those shares. This allows them to use the borrowed funds for other investments or personal expenses while waiting for the share price to rise.However, there are risks associated with Lombard loans. If the value of the pledged securities falls below a certain threshold, lenders may issue a margin call, requiring the borrower to either provide additional collateral or repay part of the loan. This can lead to forced liquidation of assets at unfavorable prices, which can significantly impact an investor's portfolio. Therefore, it is crucial for borrowers to carefully assess their risk tolerance and the market conditions before engaging in this type of borrowing.In addition to individual investors, many businesses also utilize Lombard loans as a financial strategy. Companies may pledge their inventory or receivables to secure funding for operational needs or expansion projects. This type of financing can provide quick access to cash without the lengthy process of traditional bank loans. However, just like individual investors, businesses must be cautious about the potential consequences of a declining asset value.The interest rates on Lombard loans are typically lower than unsecured loans because they are backed by collateral. This makes them an attractive option for borrowers who have substantial assets but may not qualify for traditional loans due to credit history or other factors. Financial institutions offering Lombard loans usually conduct thorough assessments of the pledged assets to determine the loan-to-value ratio, which influences the amount of money a borrower can access.In conclusion, a Lombard loan can be a powerful financial tool for both individuals and businesses, providing quick access to capital while allowing borrowers to retain ownership of their assets. However, it is essential to understand the risks involved and to manage them effectively. As with any financial decision, thorough research and consideration of one's financial situation are paramount. By leveraging the benefits of Lombard loans wisely, borrowers can enhance their financial flexibility and pursue their investment goals without unnecessary risk.

Lombard贷款是一种常见的担保贷款类型，通常用于金融领域。它允许借款人通过质押其证券，如股票或债券，作为抵押来获得资金。Lombard贷款的概念起源于中世纪的一群意大利银行家——伦巴第人，他们提供以动产为担保的贷款。这种贷款形式在几个世纪中不断演变，至今仍然具有相关性，特别是对于希望在不变现资产的情况下利用其投资组合的投资者。Lombard贷款的主要优势在于其灵活性。借款人可以快速获得流动资金，同时仍保留对其投资的所有权。这在市场波动时尤其有利，因为出售资产可能并不合适。例如，如果投资者持有某公司的股票，并相信其价值会随着时间的推移而上升，他们可以以这些股票为抵押进行Lombard贷款。这使他们能够在等待股价上涨的同时，使用借来的资金进行其他投资或个人支出。然而，Lombard贷款也存在风险。如果质押证券的价值跌至某个阈值以下，贷方可能会发出保证金追缴通知，要求借款人提供额外抵押品或偿还部分贷款。这可能导致在不利价格下强制清算资产，从而显著影响投资者的投资组合。因此，借款人在参与这种借贷之前，必须仔细评估自己的风险承受能力和市场状况。除了个人投资者，许多企业也将Lombard贷款作为一种财务策略。公司可能会质押其库存或应收账款，以确保运营需求或扩展项目的资金。这种融资方式可以快速获得现金，而不需要传统银行贷款的漫长过程。然而，就像个人投资者一样，企业也必须谨慎对待资产价值下降的潜在后果。Lombard贷款的利率通常低于无担保贷款，因为它们是由抵押品支持的。这使得对于拥有大量资产但可能由于信用历史或其他因素而无法获得传统贷款的借款人来说，它们成为一种有吸引力的选择。提供Lombard贷款的金融机构通常会对质押资产进行全面评估，以确定贷款与价值比，这会影响借款人可以获得的资金量。总之，Lombard贷款可以成为个人和企业的强大财务工具，提供快速的资本获取，同时允许借款人保留其资产的所有权。然而，了解相关风险并有效管理这些风险至关重要。与任何财务决策一样，彻底的研究和对自身财务状况的考虑是至关重要的。通过明智地利用Lombard贷款的好处，借款人可以增强其财务灵活性，实现投资目标，而不承担不必要的风险。