floating charge

简明释义

浮动充电

英英释义

例句

1.Investors are often wary of businesses that rely heavily on floating charges 浮动抵押 for financing.

投资者通常对依赖于floating charges 浮动抵押融资的企业持谨慎态度。

2.A floating charge 浮动抵押 allows the borrower to use assets while still securing the lender's interest.

一个floating charge 浮动抵押允许借款人在保证贷方权益的同时使用资产。

3.The bank placed a floating charge 浮动抵押 on all the company's future receivables.

银行对公司的所有未来应收款项施加了floating charge 浮动抵押。

4.When the company went bankrupt, the floating charge 浮动抵押 became a critical factor in the asset distribution process.

当公司破产时，floating charge 浮动抵押成为资产分配过程中的关键因素。

5.The company secured a loan using a floating charge 浮动抵押 on its inventory.

公司使用其库存的floating charge 浮动抵押来担保贷款。

作文

In the world of finance and business, various terms and concepts play a crucial role in understanding how companies manage their assets and liabilities. One such term is floating charge, which refers to a type of security interest that a lender has over a borrower's assets. Unlike a fixed charge, which is attached to specific assets, a floating charge allows the borrower to use and dispose of their assets in the ordinary course of business while still providing security to the lender. This flexibility makes it an attractive option for businesses that require working capital and wish to maintain operational agility.The concept of a floating charge is particularly important in the context of corporate financing. When a company seeks to raise funds, it may offer a floating charge over its assets as collateral to secure a loan. This means that the lender has a claim over the company's assets if the borrower defaults on the loan. However, the key feature of a floating charge is that it 'floats' over a pool of assets, which can include inventory, accounts receivable, and other movable property. The borrower retains the right to deal with these assets, sell them, or use them in their operations without needing the lender's consent.One of the significant advantages of a floating charge is that it provides businesses with the liquidity they need to operate effectively. For instance, a retailer might have a floating charge over its stock, allowing it to sell products to customers while still providing security to its lender. This arrangement ensures that the retailer can generate revenue while fulfilling its financial obligations. However, this also means that the lender must be cautious, as the value of the secured assets may fluctuate based on the company's performance and market conditions.In the event of insolvency, the nature of a floating charge becomes even more critical. When a company goes into liquidation, the floating charge typically converts into a fixed charge over the assets that are still in existence at that time. This transformation gives the lender a stronger position in claiming the assets compared to unsecured creditors. However, it's important to note that the rights of the lender under a floating charge are subordinate to those of preferential creditors, such as employees and tax authorities.Understanding the implications of a floating charge is essential for both borrowers and lenders. For borrowers, it is crucial to recognize the balance between maintaining operational flexibility and the risk of losing assets in the event of default. Lenders, on the other hand, must evaluate the creditworthiness of the borrower and the potential volatility of the secured assets. Overall, a floating charge serves as a valuable tool in corporate finance, allowing businesses to leverage their assets while providing a safety net for lenders. In conclusion, the floating charge plays a pivotal role in the financial landscape, enabling companies to access capital while managing their asset base effectively. Its unique characteristics distinguish it from other forms of security interests, making it a vital consideration for anyone involved in business financing.

在金融和商业的世界中，各种术语和概念在理解公司如何管理其资产和负债方面起着至关重要的作用。其中一个术语是浮动抵押，它指的是贷方对借款人资产的一种担保权益。与固定抵押不同，固定抵押附加在特定资产上，浮动抵押允许借款人在正常业务过程中使用和处置其资产，同时仍然为贷方提供担保。这种灵活性使其成为需要流动资金并希望保持运营灵活性的企业的一个有吸引力的选择。浮动抵押的概念在公司融资的背景下尤其重要。当公司寻求筹集资金时，它可能会提供对其资产的浮动抵押作为担保来获得贷款。这意味着如果借款人违约，贷方对公司的资产拥有索赔权。然而，浮动抵押的关键特征是它“漂浮”在一组资产上，这些资产可以包括库存、应收账款和其他可动产。借款人保留处理这些资产、出售它们或在其运营中使用它们的权利，而无需贷方的同意。浮动抵押的一个显著优势是它为企业提供了有效运营所需的流动性。例如，零售商可能会对其库存拥有浮动抵押，使其能够在为贷方提供担保的同时向客户销售产品。这种安排确保零售商能够产生收入，同时履行其财务义务。然而，这也意味着贷方必须谨慎，因为担保资产的价值可能会根据公司的表现和市场条件波动。在破产的情况下，浮动抵押的性质变得更加重要。当公司进入清算时，浮动抵押通常会转变为对当时仍然存在的资产的固定抵押。这种转变使贷方在索赔资产方面相对于无担保债权人具有更强的地位。然而，重要的是要注意，贷方在浮动抵押下的权利优先于优先债权人的权利，例如员工和税务机关。理解浮动抵押的含义对于借款人和贷方都是至关重要的。对于借款人来说，重要的是要认识到在保持运营灵活性和在违约时失去资产之间的平衡。另一方面，贷方必须评估借款人的信用worthiness和担保资产的潜在波动性。总体而言，浮动抵押在公司融资中是一种有价值的工具，使企业能够利用其资产，同时为贷方提供安全保障。总之，浮动抵押在金融领域中发挥着关键作用，使公司能够在有效管理其资产基础的同时获得资本。其独特的特征使其区别于其他形式的担保权益，使其成为任何参与商业融资的人必须考虑的重要因素。