terms of credit

简明释义

信贷条款

英英释义

例句

1.Negotiating the terms of credit can help you get a better interest rate on your loan.

协商信用条款可以帮助您获得更好的贷款利率。

2.It's important to compare the terms of credit from different lenders before making a decision.

在做出决定之前，比较不同贷方的信用条款是很重要的。

3.The terms of credit for this purchase include a 30-day payment period.

此次购买的信用条款包括30天的付款期限。

4.The bank offered favorable terms of credit to small businesses, making it easier for them to secure loans.

银行为小企业提供了有利的信用条款，使他们更容易获得贷款。

5.Before signing the contract, make sure you fully understand the terms of credit outlined in the agreement.

在签署合同之前，请确保您完全理解协议中列出的信用条款。

作文

In the world of finance and business, understanding the terms of credit is essential for both lenders and borrowers. The terms of credit refer to the conditions under which credit is extended, including the interest rate, repayment schedule, and any fees associated with borrowing. These terms can vary significantly between different financial institutions and can greatly impact an individual's or a company's financial health.When a borrower seeks a loan, they must carefully review the terms of credit offered by lenders. For example, a lower interest rate might seem attractive at first, but if the repayment period is short, it could lead to higher monthly payments that may strain the borrower's finances. On the other hand, more flexible terms of credit with longer repayment periods might provide the borrower with the breathing room needed to manage their cash flow effectively.Moreover, the terms of credit can also include specific clauses that protect the lender's interests. For instance, some agreements may require collateral, which is an asset that the lender can claim if the borrower defaults on the loan. Understanding these aspects is crucial for borrowers to avoid potential pitfalls that could arise from unfavorable terms of credit.In addition to individual loans, businesses must also navigate the terms of credit when dealing with suppliers and vendors. Many companies operate on a credit basis, allowing them to purchase goods and services upfront while deferring payment. This practice can help businesses manage their cash flow, but it also requires a keen understanding of the terms of credit set by their suppliers. If a supplier offers net 30 days, this means the business has 30 days to pay the invoice without incurring additional charges. Missing this deadline could result in late fees or damage to the business's credit rating.Furthermore, the terms of credit can influence a company's purchasing decisions. A firm that has favorable credit terms with a supplier may choose to buy more inventory, knowing that they have time to sell the products before needing to pay for them. Conversely, stringent terms of credit may lead a company to limit its orders, potentially impacting its sales and growth.In conclusion, whether for personal finance or business operations, the terms of credit play a pivotal role in determining how effectively an individual or organization can manage its financial obligations. Borrowers must be diligent in understanding these terms to make informed decisions that align with their financial goals. By doing so, they can ensure that they are not only securing the necessary funds but also protecting their financial future against unforeseen challenges that may arise due to unfavorable terms of credit.

在金融和商业的世界中，理解信贷条款对借款人和贷方来说都是至关重要的。信贷条款是指在贷款时所附带的条件，包括利率、还款计划以及与借款相关的任何费用。这些条款在不同的金融机构之间可能会有显著差异，并且会对个人或公司的财务健康产生重大影响。当借款人寻求贷款时，他们必须仔细审查贷方提供的信贷条款。例如，较低的利率可能最初看起来很有吸引力，但如果还款期限较短，可能会导致每月还款压力加大，从而给借款人的财务状况带来压力。另一方面，更灵活的信贷条款，比如较长的还款期限，可能为借款人提供所需的喘息空间，以有效管理他们的现金流。此外，信贷条款通常还包括保护贷方利益的特定条款。例如，一些协议可能要求抵押品，即如果借款人违约，贷方可以主张的资产。理解这些方面对于借款人来说至关重要，以避免因不利的信贷条款而可能出现的陷阱。除了个人贷款外，企业在与供应商和厂商打交道时也必须应对信贷条款。许多公司以信贷方式运营，使他们能够提前购买商品和服务，同时推迟付款。这种做法可以帮助企业管理现金流，但也需要对供应商设定的信贷条款有清晰的理解。如果供应商提供的是净30天，这意味着企业有30天的时间在不产生额外费用的情况下支付发票。错过这个截止日期可能会导致滞纳金或损害企业的信用评级。此外，信贷条款还可以影响公司的采购决策。与供应商有良好信用条款的公司可能会选择购买更多库存，因为他们知道在需要付款之前有时间出售这些产品。相反，严格的信贷条款可能会导致公司限制订单，从而可能影响其销售和增长。总之，无论是个人财务还是商业运营，信贷条款在决定个人或组织如何有效管理财务义务方面发挥着关键作用。借款人必须在理解这些条款上保持谨慎，以便做出符合其财务目标的明智决策。通过这样做，他们可以确保不仅获得必要的资金，还能保护自己的财务未来，以应对由于不利的信贷条款而可能出现的不可预见的挑战。