marginal credit

简明释义

余白信用证

英英释义

例句

1.The bank offered him marginal credit 边际信贷 due to his low credit score.

由于他的信用评分较低，银行给了他边际信贷。

2.Many startups struggle to secure funding due to marginal credit 边际信贷 histories.

许多初创企业由于有边际信贷的历史而难以获得资金。

3.With marginal credit 边际信贷, the interest rates are usually higher.

拥有边际信贷的人通常会面临更高的利率。

4.She was approved for a loan, but only at marginal credit 边际信贷 terms.

她获得了贷款批准，但条件仅为边际信贷。

5.Investors are cautious about companies with marginal credit 边际信贷 ratings.

投资者对信用评级为边际信贷的公司持谨慎态度。

作文

In the world of finance, understanding the concept of marginal credit is essential for both individuals and businesses. Marginal credit refers to the additional credit that a borrower can obtain based on their existing creditworthiness and financial situation. This concept plays a crucial role in determining how much an individual or business can borrow when they are seeking loans or credit extensions. The ability to access marginal credit can significantly impact a person's or a company's financial health, as it often determines their capacity to invest, expand, or manage unforeseen expenses.When discussing marginal credit, it is important to recognize the factors that influence it. Lenders typically assess a borrower's credit score, income level, debt-to-income ratio, and overall financial history. A higher credit score often leads to better terms and conditions for marginal credit, allowing borrowers to secure loans at lower interest rates. Conversely, individuals with lower credit scores may find it challenging to access additional credit, which can hinder their financial growth.For instance, consider a small business owner who has successfully established a company but is now looking to expand. The owner may seek marginal credit to finance new equipment or hire additional staff. If the business owner has maintained a good credit score and has a solid financial history, lenders are likely to offer favorable terms for the additional credit. This can enable the business to grow and thrive, creating new jobs and contributing to the local economy.On the other hand, if the small business owner has struggled with debt in the past and has a lower credit score, obtaining marginal credit could be much more difficult. Lenders may view them as a high-risk borrower, leading to higher interest rates or even outright denial of the loan application. This situation highlights the importance of maintaining a good credit history and understanding how marginal credit works in relation to personal and business finance.Furthermore, the concept of marginal credit is not limited to traditional lending scenarios. In the realm of personal finance, individuals may also seek marginal credit through credit cards or lines of credit. For example, a person with a good credit score may receive offers for credit cards with higher limits or lower interest rates. This additional credit can provide financial flexibility, allowing individuals to make larger purchases or cover unexpected expenses without resorting to high-interest loans.In conclusion, marginal credit is a vital aspect of financial management that can significantly influence an individual’s or business’s ability to grow and succeed. Understanding how to obtain and utilize marginal credit effectively can lead to better financial outcomes and increased opportunities. By maintaining a strong credit profile and being aware of the factors that affect marginal credit, borrowers can position themselves for success in their financial endeavors.

在金融世界中，理解边际信用的概念对个人和企业都至关重要。边际信用是指借款人根据其现有的信用状况和财务状况可以获得的额外信用。这一概念在确定个人或企业在寻求贷款或信用扩展时能够借入多少资金方面发挥着关键作用。获取边际信用的能力会显著影响个人或公司的财务健康，因为它通常决定了他们投资、扩张或管理意外支出的能力。讨论边际信用时，认识到影响其的因素是很重要的。贷方通常会评估借款人的信用评分、收入水平、债务与收入比率以及整体财务历史。较高的信用评分通常会导致更好的边际信用条款和条件，使借款人能够以更低的利率获得贷款。相反，信用评分较低的个人可能会发现获取额外信用的难度很大，这可能会阻碍他们的财务增长。例如，考虑一位成功建立公司的小企业主，但现在希望扩展。业主可能寻求边际信用来融资购买新设备或雇佣额外员工。如果企业主保持良好的信用评分并拥有稳健的财务历史，贷方可能会为额外信用提供优惠条件。这可以使企业得以成长和繁荣，创造新工作并为当地经济做出贡献。另一方面，如果小企业主在过去曾与债务作斗争，并且信用评分较低，那么获得边际信用可能会变得更加困难。贷方可能会将他们视为高风险借款人，从而导致更高的利率甚至直接拒绝贷款申请。这种情况突显了维护良好信用历史的重要性，以及理解边际信用在个人和商业金融中的运作方式。此外，边际信用的概念并不仅限于传统的借贷场景。在个人财务领域，个人也可以通过信用卡或信用额度寻求边际信用。例如，信用评分良好的个人可能会收到更高额度或更低利率的信用卡优惠。这种额外信用可以提供财务灵活性，使个人能够进行更大额的消费或覆盖意外支出，而无需诉诸高利贷。总之，边际信用是财务管理的重要方面，可以显著影响个人或企业的增长和成功能力。理解如何有效地获得和利用边际信用可以带来更好的财务结果和更多的机会。通过维护强大的信用档案并了解影响边际信用的因素，借款人可以为他们的财务事业奠定成功的基础。