unsecured

简明释义

英[ˌʌnsɪˈkjʊəd]美[ˌʌnsɪˈkjʊrd]

adj. 无担保的；未固定的

英英释义

单词用法

同义词

反义词

例句

1.An unsecured servlet can't get access to details of the current user.

一个不安全的servlet无法访问当前用户的详细信息。

2.In the case of combined signing and encryption, the test time is more than 2,100 percent longer than the unsecured case.

在签名与加密相结合的情况下，测试时间比无保护措施下要长2,100 %。

3.The most attractive proposals are for "good Banks", in which unsecured creditors become shareholders.

这方面最有吸引力的提议是成立“好银行”，让无担保债权人成为其股东。

4.Sam received an unsecured loan of $282,000.

山姆接受了一笔28.2万美元的无担保贷款。

5.Browser customization is intended for unsecured publicly available search services such as those of commercial sites like Amazon.

浏览器定制有意集成那些提供公开无安全担保的搜索服务，像商业站点亚马逊。

6.For instance, an investment in U.S. Treasuries carries lower risk (we hope) than an unsecured credit card line.

比方说，美国国债的风险低于无担保信用卡贷款额度(我们希望如此)。

7.An unsecured credit card can be a good option for building credit history.

无抵押信用卡可能是建立信用历史的一个好选择。

8.Many people choose to take out unsecured loans because they do not require collateral.

许多人选择申请无抵押贷款，因为它们不需要抵押品。

9.The company issued unsecured debt to finance its expansion plans.

该公司发行了无抵押债务来资助其扩张计划。

10.If you default on an unsecured loan, the lender cannot claim any specific asset.

如果你违约了无抵押贷款，贷方不能索取任何特定资产。

11.Investors often view unsecured bonds as riskier than secured ones.

投资者通常认为无抵押债券比有抵押的债券风险更高。

作文

In today's financial landscape, individuals are often faced with various types of loans and credit options. One term that frequently arises in discussions about borrowing is unsecured loans. An unsecured loan is one that does not require the borrower to provide any collateral to back the loan. This means that if the borrower fails to repay the loan, the lender cannot claim any specific asset to recover their losses. Understanding the implications of unsecured loans is crucial for anyone considering borrowing money.The primary advantage of unsecured loans is that they are easier to obtain for many borrowers. Since no collateral is needed, individuals who may not own significant assets or who do not wish to risk their possessions can still access funds. This makes unsecured loans particularly appealing to young adults, students, or those who are just starting out in their careers. Additionally, the application process for unsecured loans tends to be more straightforward and quicker compared to secured loans, which often require extensive documentation and appraisal of the collateral.However, there are also notable disadvantages associated with unsecured loans. Because these loans are not backed by collateral, lenders typically charge higher interest rates to mitigate the risk of default. This can lead to a situation where borrowers end up paying significantly more over the life of the loan compared to a secured loan. Furthermore, if a borrower defaults on an unsecured loan, it can severely impact their credit score, making it more difficult to secure future loans or credit.Another important aspect to consider is the potential for predatory lending practices in the realm of unsecured loans. Some lenders may target vulnerable individuals with high-interest rates and unfavorable terms, leading to a cycle of debt that is hard to escape. Therefore, it is essential for borrowers to conduct thorough research and understand the terms and conditions of any unsecured loan before committing.In conclusion, while unsecured loans offer accessibility and convenience for borrowers without collateral, they come with higher costs and risks. It is vital for individuals to weigh their options carefully and consider their financial situation before opting for an unsecured loan. By understanding the nature of unsecured loans, borrowers can make informed decisions that align with their financial goals and capabilities. Ultimately, whether one chooses a secured or unsecured loan, the key lies in managing debt responsibly and ensuring that repayment is feasible within one's budget.

在当今的金融环境中，个人常常面临各种类型的贷款和信用选择。一个在借贷讨论中经常出现的术语是无担保贷款。无担保贷款是指不要求借款人提供任何抵押品来支持贷款的贷款。这意味着如果借款人未能偿还贷款，贷方无法索取任何特定资产来弥补损失。理解无担保贷款的含义对任何考虑借款的人来说都是至关重要的。无担保贷款的主要优点是许多借款人更容易获得。由于不需要抵押品，可能没有显著资产或不愿意冒险其财产的个人仍然可以获得资金。这使得无担保贷款对于年轻成年人、学生或刚开始职业生涯的人特别吸引。此外，无担保贷款的申请过程往往比抵押贷款更简单、更快捷，后者通常需要大量文档和对抵押品的评估。然而，与无担保贷款相关的显著缺点也不少。由于这些贷款没有抵押品，贷方通常会收取更高的利率以降低违约风险。这可能导致借款人在贷款期限内支付的费用远高于抵押贷款。此外，如果借款人未能按时偿还无担保贷款，这可能会严重影响他们的信用评分，使未来获得贷款或信用变得更加困难。另一个需要考虑的重要方面是在无担保贷款领域可能存在的掠夺性贷款行为。一些贷方可能会针对脆弱的个人，提供高利率和不利条款，导致难以摆脱的债务循环。因此，借款人在承诺之前，必须进行彻底的研究，了解任何无担保贷款的条款和条件。总之，尽管无担保贷款为没有抵押品的借款人提供了可及性和便利性，但它们也伴随着更高的成本和风险。个人在选择无担保贷款之前，权衡自己的选择并考虑自身的财务状况至关重要。通过理解无担保贷款的性质，借款人可以做出符合其财务目标和能力的明智决策。最终，无论选择抵押贷款还是无担保贷款，关键在于负责任地管理债务，并确保偿还在个人预算范围内。