government-guaranteed debt

简明释义

政府担保债务

英英释义

例句

1.The company issued bonds that are classified as government-guaranteed debt, ensuring investors that they will be repaid even if the company defaults.

该公司发行的债券被归类为政府担保债务，确保投资者即使在公司违约的情况下也能获得偿还。

2.Investors often prefer government-guaranteed debt because it carries less risk compared to corporate bonds.

投资者通常更喜欢政府担保债务，因为与公司债券相比，其风险较小。

3.The bank offered lower interest rates on loans backed by government-guaranteed debt.

银行对以政府担保债务为支持的贷款提供了更低的利率。

4.Many first-time homebuyers rely on government-guaranteed debt programs to secure affordable mortgages.

许多首次购房者依赖于政府担保债务项目来获得可负担的抵押贷款。

5.During economic downturns, government-guaranteed debt becomes more attractive to conservative investors seeking safety.

在经济衰退期间，政府担保债务对寻求安全的保守型投资者变得更具吸引力。

作文

In today's complex financial landscape, understanding various forms of debt is crucial for both individuals and governments. One significant type of debt is government-guaranteed debt, which refers to loans or bonds that are backed by the government. This means that in the event of a default by the borrower, the government promises to repay the debt, thus providing a safety net for lenders. This assurance often leads to lower interest rates for borrowers, making it an attractive option for financing projects, especially in sectors like education and housing. The concept of government-guaranteed debt plays a pivotal role in stimulating economic growth, as it encourages investment in essential services and infrastructure.

For instance, consider student loans that are guaranteed by the government. These loans allow students from diverse backgrounds to access higher education without the burden of exorbitant interest rates. The government’s backing not only makes education more affordable but also promotes a more educated workforce, which is beneficial for the economy as a whole. Similarly, government-guaranteed debt can be observed in the housing market, where government-backed mortgages help individuals buy homes, thereby fostering community development and stability.

However, while government-guaranteed debt provides numerous benefits, it also poses certain risks. If too many borrowers default on their loans, the government may face significant financial strain, potentially leading to increased taxes or reduced public services. Additionally, excessive reliance on this type of debt can create a moral hazard, where borrowers take on riskier projects under the assumption that the government will bail them out in case of failure. Therefore, it is essential for governments to strike a balance between promoting growth through government-guaranteed debt and ensuring fiscal responsibility.

Moreover, the effectiveness of government-guaranteed debt largely depends on the economic environment. During periods of economic downturn, the likelihood of defaults increases, which can strain government resources. Conversely, in a thriving economy, government-guaranteed debt can lead to substantial growth and innovation as businesses and individuals take advantage of lower borrowing costs. It is imperative for policymakers to monitor these dynamics closely and adjust their strategies accordingly.

In conclusion, government-guaranteed debt serves as a powerful tool for fostering economic growth and supporting essential services. By understanding its implications, both positive and negative, stakeholders can make informed decisions that benefit society as a whole. As we continue to navigate the complexities of modern finance, recognizing the role of government-guaranteed debt will be vital in shaping a sustainable economic future.

在当今复杂的金融环境中，理解各种债务形式对个人和政府都是至关重要的。其中一种重要的债务类型是政府担保债务，指的是由政府支持的贷款或债券。这意味着如果借款人违约，政府承诺偿还债务，从而为贷款人提供了安全保障。这种保证通常会导致借款人的利率降低，使其成为融资项目的一个有吸引力的选择，特别是在教育和住房等领域。政府担保债务的概念在刺激经济增长方面发挥着关键作用，因为它鼓励对基本服务和基础设施的投资。

例如，考虑一下由政府担保的学生贷款。这些贷款使来自不同背景的学生能够以不高的利率接受高等教育。政府的支持不仅使教育更可负担得起，而且还促进了更高素质的劳动力，这对整个经济都是有益的。同样，在住房市场中，我们也可以观察到政府担保债务，政府支持的抵押贷款帮助个人购房，从而促进社区发展和稳定。

然而，虽然政府担保债务提供了许多好处，但它也带来了一定的风险。如果太多借款人违约，政府可能面临重大财务压力，可能导致税收增加或公共服务减少。此外，过度依赖这种债务可能会造成道德风险，借款人在假设政府会在失败时救助他们的情况下承担更高风险的项目。因此，政府必须在通过政府担保债务促进增长和确保财政责任之间取得平衡。

此外，政府担保债务的有效性在很大程度上取决于经济环境。在经济衰退期间，违约的可能性增加，这可能会给政府资源带来压力。相反，在繁荣的经济中，政府担保债务可以导致显著的增长和创新，因为企业和个人利用较低的借贷成本。因此，政策制定者必须密切关注这些动态，并相应调整他们的战略。

总之，政府担保债务作为促进经济增长和支持基本服务的强大工具。通过理解其影响，无论是积极的还是消极的，利益相关者都可以做出有利于整个社会的明智决策。当我们继续应对现代金融的复杂性时，认识到政府担保债务的作用对于塑造可持续的经济未来至关重要。