lending

简明释义

[ˈlendɪŋ][ˈlendɪŋ]

n. 出借;出借物

adj. 出借的

v. 贷款;提供(lend 的 ing 形式);借给

英英释义

The act of giving money or property to someone with the expectation that it will be returned, often with interest.

将金钱或财产借给某人,期望其归还,通常伴随利息的行为。

The process by which a lender provides funds to a borrower under agreed terms.

贷款人根据约定条款向借款人提供资金的过程。

单词用法

bank lending

银行借款,银行放款

lending rate

贷款利率;放款利率

同义词

loaning

借出

The bank is loaning money to small businesses.

银行正在向小企业借出资金。

granting

授予

She is granting a scholarship to deserving students.

她正在向有需要的学生授予奖学金。

providing

提供

They are providing financial support for the project.

他们正在为该项目提供财务支持。

advancing

提前

He is advancing funds for the new venture.

他正在为新项目提前资金。

financing

融资

The company is financing the construction of the new building.

公司正在为新建筑的建设提供融资。

反义词

borrowing

借入

I am borrowing money from the bank.

我正在向银行借钱。

receiving

接收

She is receiving a gift from her friend.

她正在从朋友那里接收礼物。

例句

1.You should think twice before lending money to someone you are not familiar with.

在把钱借给不熟悉的人之前,你应再三考虑。

2.If you're on the phone with this guy all the time and you sniff something out, you can maybe stop lending him money.

如果你和某人经常通话联系并且察觉出了问题,你也许就不会再借钱给他了。

3.Corporate lending and parts of consumer credit, such as credit cards and car loans, are wobbly.

公司贷款和部分消费者信贷,例如信用卡和汽车贷款,都不稳定。

4.This means smaller banks can cream off big profits during lending booms.

这就意味着较小银行在贷款高峰期能将高额利润入私帐。

5.The banks that brought on the global financial crisis got billions while a tiny bit went to the homeowners and victims of the same banks' predatory lending practices.

引发全球金融危机的银行获得了数十亿美元,但房主和这些银行掠夺性放贷行为的受害者们只得到了一小部分。

6.Mortgage lending fell.

按揭贷款下跌。

7.Money was set aside to cut fees and provide guarantees for major SBA lending programs.

资金已预留以削减费用,并为小型企业管理局的主要贷款计划提供担保。

8.But are the Banks lending?

但银行会借给他们吗?

9.First, interest rates may take longer to fall than is hoped. Second, lending may fall. Third, bad loans could wipe out much of any improvement.

首先,利率下调可能比预期的时间要久。第二,贷款可能下降。第三,坏帐可能抵消大部分的成效。

10.She is lending her book to a friend who loves to read.

她正在把自己的书借给一个喜欢阅读的朋友。

11.The bank is focused on lending money to small businesses.

这家银行专注于贷款给小型企业。

12.He is lending his expertise to the project.

他正在将自己的专业知识借给这个项目。

13.The lending rates have decreased this year.

今年的贷款利率下降了。

14.The government offers lending programs to help students pay for college.

政府提供贷款项目来帮助学生支付大学费用。

作文

In the modern world, the concept of lending (借贷) plays a crucial role in the economy. Whether it is individuals seeking to purchase homes, students looking for education funding, or businesses aiming to expand their operations, lending (借贷) serves as a fundamental mechanism that facilitates growth and development. The process of lending (借贷) involves a borrower receiving funds from a lender with the agreement that the money will be paid back over time, usually with interest. This relationship is essential for both parties involved, as it allows borrowers to access necessary resources while providing lenders with a return on their investment.One of the most common forms of lending (借贷) is through banks and financial institutions. These entities assess the creditworthiness of potential borrowers, determining whether they are likely to repay the loan. This assessment often includes examining credit scores, income levels, and existing debts. For individuals, lending (借贷) can take the form of personal loans, mortgages, and student loans. Each type of loan has its own specific terms and conditions, which borrowers must understand before entering into an agreement.The impact of lending (借贷) extends beyond individual borrowers; it also influences the broader economy. When banks provide loans, they increase the money supply, which can stimulate economic activity. For example, when a family takes out a mortgage to buy a home, they not only invest in real estate but also contribute to the construction industry and local economies. Similarly, when businesses secure loans to invest in new projects, they create jobs and drive innovation. Thus, lending (借贷) is a catalyst for economic growth.However, lending (借贷) is not without its risks. Borrowers may find themselves in difficult situations if they cannot meet their repayment obligations, leading to defaults and bankruptcies. This can have a ripple effect on the economy, causing financial institutions to tighten their lending (借贷) practices and making it harder for others to obtain loans. Furthermore, high levels of debt among consumers can lead to economic instability, as seen during financial crises.To mitigate these risks, it is essential for both lenders and borrowers to engage in responsible lending (借贷) practices. Lenders should ensure they are transparent about the terms of the loans they offer and provide borrowers with the necessary information to make informed decisions. On the other hand, borrowers must carefully evaluate their financial situations and understand the implications of taking on debt. By fostering a culture of responsible lending (借贷), we can create a more stable economic environment.In conclusion, lending (借贷) is a vital aspect of our financial system that enables individuals and businesses to achieve their goals. It is a powerful tool that, when used wisely, can lead to prosperity and growth. However, it also requires careful management and oversight to prevent the pitfalls associated with excessive debt. As we navigate the complexities of modern finance, understanding the principles of lending (借贷) will be key to ensuring a healthy and sustainable economy.

在现代社会,lending(借贷)的概念在经济中扮演着至关重要的角色。无论是个人寻求购房、学生寻找教育资金,还是企业希望扩大业务,lending(借贷)都是促进增长和发展的基本机制。lending(借贷)的过程涉及借款人从贷款人那里获得资金,并约定在一定时间内偿还这笔钱,通常还需支付利息。这种关系对双方都至关重要,因为它使借款人能够获得必要的资源,同时为贷款人提供投资回报。最常见的lending(借贷)形式之一是通过银行和金融机构。这些实体会评估潜在借款人的信用worthiness,以确定他们是否可能偿还贷款。这种评估通常包括审查信用评分、收入水平和现有债务。对于个人而言,lending(借贷)可以采取个人贷款、抵押贷款和学生贷款等形式。每种类型的贷款都有其特定的条款和条件,借款人在签订协议之前必须理解这些内容。lending(借贷)的影响不仅限于个人借款人;它还会影响更广泛的经济。当银行提供贷款时,它们增加了货币供应,这可以刺激经济活动。例如,当一个家庭获得抵押贷款购买房屋时,他们不仅投资于房地产,还对建筑行业和地方经济作出贡献。同样,当企业获得贷款以投资新项目时,它们创造就业机会并推动创新。因此,lending(借贷)是经济增长的催化剂。然而,lending(借贷)并非没有风险。如果借款人无法满足还款义务,可能会陷入困境,导致违约和破产。这可能对经济产生连锁反应,使金融机构收紧lending(借贷)实践,从而使其他人更难获得贷款。此外,消费者的高债务水平可能导致经济不稳定,正如在金融危机期间所见。为了减轻这些风险,贷款人和借款人都必须参与负责任的lending(借贷)实践。贷款人应确保他们对所提供贷款的条款保持透明,并向借款人提供必要的信息,以便做出明智的决策。另一方面,借款人必须仔细评估自己的财务状况,并理解承担债务的影响。通过培养负责任的lending(借贷)文化,我们可以创造一个更加稳定的经济环境。总之,lending(借贷)是我们金融体系的重要组成部分,使个人和企业能够实现他们的目标。这是一种强大的工具,如果使用得当,可以带来繁荣和增长。然而,它也需要谨慎管理和监督,以防止与过度债务相关的陷阱。在我们驾驭现代金融的复杂性时,理解lending(借贷)的原则将是确保健康和可持续经济的关键。