secured creditor

简明释义

有保证的债权人

英英释义

例句

1.In bankruptcy proceedings, a secured creditor 担保债权人 has priority over unsecured creditors.

在破产程序中，secured creditor 担保债权人 优先于无担保债权人。

2.The company negotiated with its secured creditors 担保债权人 to restructure its debt.

公司与其secured creditors 担保债权人谈判以重组其债务。

3.A secured creditor 担保债权人 can seize collateral if the borrower defaults on the loan.

如果借款人违约，secured creditor 担保债权人可以扣押抵押品。

4.When applying for a mortgage, the lender becomes a secured creditor 担保债权人 against the property.

在申请抵押贷款时，贷方成为该财产的secured creditor 担保债权人。

5.The bank acted as a secured creditor 担保债权人 when it provided a loan backed by the borrower's property.

当银行提供以借款人财产为担保的贷款时，银行作为一个secured creditor 担保债权人。

作文

In the world of finance and lending, the term secured creditor refers to a lender or financial institution that has a legal claim on specific assets of a borrower to secure the repayment of a loan. This means that if the borrower defaults on their payment obligations, the secured creditor has the right to take possession of the collateral used to secure the loan. The importance of understanding this concept cannot be overstated, especially for individuals and businesses seeking financing options. When a borrower takes out a loan, they may be required to provide collateral, which is an asset that can be seized by the secured creditor if the borrower fails to repay the loan. Common forms of collateral include real estate, vehicles, and equipment. By providing collateral, the borrower reduces the risk for the lender, which often results in more favorable loan terms, such as lower interest rates and longer repayment periods.For instance, consider a small business owner who wants to purchase new machinery to expand their operations. To secure a loan from a bank, the business owner may offer the machinery itself as collateral. In this case, the bank becomes a secured creditor. If the business owner is unable to make the loan payments, the bank has the legal right to repossess the machinery to recover its losses. This arrangement provides a safety net for the lender while also enabling the borrower to access the funds necessary for growth.The role of secured creditors is crucial during bankruptcy proceedings. In the event that a borrower files for bankruptcy, secured creditors have priority over unsecured creditors when it comes to recovering their debts. This means that they are more likely to recoup their losses because they have specific assets tied to the loan. Unsecured creditors, on the other hand, do not have any collateral backing their loans, making it much harder for them to recover their funds in a bankruptcy scenario.Understanding the distinction between secured and unsecured creditors is essential for anyone navigating the complexities of borrowing and lending. Borrowers should carefully consider the implications of offering collateral when taking out a loan. While it can lead to better loan terms, it also carries the risk of losing valuable assets if they fail to meet their repayment obligations. On the other hand, lenders must assess the value of the collateral being offered to ensure that it adequately covers the loan amount. A thorough evaluation of the asset’s worth is necessary to mitigate potential losses in case of default. In conclusion, the concept of secured creditor plays a vital role in the financial landscape. It provides a framework for lenders and borrowers to engage in transactions with a clear understanding of the risks and responsibilities involved. By recognizing the significance of secured lending, both parties can make informed decisions that align with their financial goals. Whether you are a borrower seeking funding or a lender looking to minimize risk, grasping the meaning and implications of secured creditors is indispensable for successful financial management.

在金融和借贷的世界中，术语担保债权人指的是拥有借款人特定资产的合法索赔权以确保贷款偿还的贷方或金融机构。这意味着，如果借款人未能履行还款义务，担保债权人有权对用于担保贷款的抵押品进行占有。理解这一概念的重要性不容小觑，尤其是对于寻求融资选择的个人和企业。当借款人申请贷款时，他们可能需要提供抵押品，即可以被担保债权人没收的资产，以确保贷款的偿还。常见的抵押品形式包括房地产、车辆和设备。通过提供抵押品，借款人降低了贷方的风险，这通常会导致更有利的贷款条款，例如较低的利率和更长的还款期限。例如，考虑一位小企业主希望购买新机械以扩展其业务。为了从银行获得贷款，该企业主可能将机械本身作为抵押品。在这种情况下，银行成为了担保债权人。如果企业主无法按时偿还贷款，银行有法律权利收回机械以弥补损失。这种安排为贷方提供了安全网，同时也使借款人能够获得必要的资金以实现增长。在破产程序中，担保债权人的角色至关重要。如果借款人申请破产，担保债权人在收回债务方面优先于无担保债权人。这意味着他们更有可能收回损失，因为他们有特定资产与贷款相联系。另一方面，无担保债权人没有任何抵押品来支持他们的贷款，使得在破产情况下更难收回资金。理解担保债权人和无担保债权人之间的区别对于任何处理借贷复杂性的人都至关重要。借款人在申请贷款时应仔细考虑提供抵押品的影响。虽然这可以导致更好的贷款条款，但如果他们未能履行还款义务，也会带来失去宝贵资产的风险。另一方面，贷方必须评估所提供抵押品的价值，以确保其足以覆盖贷款金额。对资产价值的全面评估是必要的，以降低违约情况下的潜在损失。总之，担保债权人的概念在金融领域中发挥着重要作用。它为贷方和借款人提供了一个框架，使他们能够以清晰的风险和责任理解进行交易。通过认识到担保贷款的重要性，双方可以做出符合自身财务目标的明智决策。无论您是寻求资金的借款人，还是希望降低风险的贷方，掌握担保债权人的含义及其影响对于成功的财务管理都是不可或缺的。