overlapping debt

简明释义

重复债务

英英释义

例句

1.The financial advisor suggested consolidating loans to reduce overlapping debt 重叠债务 payments.

财务顾问建议合并贷款以减少重叠债务的还款。

2.Investors are concerned about the potential risks associated with overlapping debt 重叠债务 in the municipal bond market.

投资者对市政债券市场中与重叠债务相关的潜在风险表示担忧。

3.To avoid financial distress, it’s crucial for individuals to address their overlapping debt 重叠债务 effectively.

为了避免财务困境，个人有效解决他们的重叠债务是至关重要的。

4.Many families face challenges due to overlapping debt 重叠债务 from credit cards and personal loans.

许多家庭由于信用卡和个人贷款产生的重叠债务而面临挑战。

5.The company is struggling to manage its overlapping debt 重叠债务 from multiple loans.

这家公司正在努力管理来自多项贷款的重叠债务。

作文

In today's complex financial landscape, the concept of overlapping debt has become increasingly relevant for both individuals and governments. Overlapping debt refers to a situation where a borrower has multiple loans or debts that share common obligations or collateral. This can create complications in managing finances, as one debt may affect the ability to repay another. For instance, if an individual takes out a mortgage while also having student loans, the monthly payments on both debts could strain their budget, leading to potential defaults. Moreover, overlapping debt can occur at a macroeconomic level as well. Governments may issue bonds that are backed by the same revenue sources or assets. When multiple entities rely on the same income streams, such as tax revenues or natural resources, they may find themselves in precarious positions during economic downturns. If one entity struggles to meet its obligations, it can create a domino effect, impacting the financial health of others with similar dependencies. The risks associated with overlapping debt highlight the importance of prudent financial management. Individuals should strive to maintain a clear understanding of their total debt obligations and how they interrelate. Creating a budget that accounts for all debts can help in prioritizing payments and avoiding late fees or penalties. Additionally, seeking financial advice or consolidating debts may be beneficial in mitigating the risks posed by overlapping debt. For governments, the challenge lies in ensuring that fiscal policies do not lead to excessive borrowing against the same revenue sources. Implementing strict regulations on debt issuance and maintaining transparency in public finance can help prevent situations where overlapping debt becomes unmanageable. Furthermore, diversifying revenue streams can reduce the reliance on singular sources, thereby minimizing the risks associated with overlapping obligations. In conclusion, understanding and managing overlapping debt is crucial for financial stability at both personal and governmental levels. By being aware of the potential complications that arise from having multiple debts linked to the same obligations, borrowers can take proactive steps to safeguard their financial health. Similarly, policymakers must recognize the implications of overlapping debt in public finance and implement strategies to mitigate its risks. In a world where financial interdependencies are prevalent, addressing the challenges posed by overlapping debt is essential for sustainable economic growth and stability.

在当今复杂的金融环境中，重叠债务的概念变得越来越相关，既适用于个人也适用于政府。重叠债务指的是借款人拥有多个贷款或债务，这些债务共享共同的义务或抵押品。这可能会在管理财务时造成复杂情况，因为一项债务可能会影响偿还另一项债务的能力。例如，如果一个人同时申请了抵押贷款和学生贷款，那么这两项债务的月供可能会对他们的预算造成压力，从而导致潜在的违约。 此外，重叠债务也可能在宏观经济层面上发生。政府可能会发行以相同收入来源或资产为担保的债券。当多个实体依赖于相同的收入流（如税收或自然资源）时，他们可能会在经济下滑期间发现自己处于危险的境地。如果一个实体难以履行其义务，可能会产生多米诺效应，影响其他具有类似依赖关系的实体的财务健康。 与重叠债务相关的风险突显了审慎财务管理的重要性。个人应努力保持对其总债务义务及其相互关系的清晰理解。制定一个考虑到所有债务的预算可以帮助优先偿还并避免滞纳金或罚款。此外，寻求财务建议或整合债务可能有助于减轻重叠债务带来的风险。 对于政府来说，挑战在于确保财政政策不会导致过度依赖相同的收入来源进行借贷。实施严格的债务发行法规并维护公共财政透明度可以帮助防止出现重叠债务无法管理的情况。此外，多元化收入来源可以减少对单一来源的依赖，从而降低与重叠义务相关的风险。 总之，理解和管理重叠债务对于个人和政府的财务稳定至关重要。通过意识到多项债务与相同义务相关联所带来的潜在复杂性，借款人可以采取积极措施来保护他们的财务健康。同样，政策制定者必须认识到重叠债务在公共财政中的影响，并实施策略来减轻其风险。在一个金融相互依存普遍存在的世界中，解决重叠债务带来的挑战对于可持续经济增长和稳定至关重要。