terms of credit

简明释义

债方条款

英英释义

例句

1.Many small businesses struggle to meet the terms of credit 信用条款 set by their suppliers.

许多小企业难以满足其供应商设定的<顺>信用条款。

2.Before signing the contract, make sure you understand the terms of credit 信用条款 offered by the supplier.

在签署合同之前，请确保您理解供应商提供的<顺>信用条款。

3.The terms of credit 信用条款 were quite favorable, allowing for a longer repayment period.

这些<顺>信用条款相当有利，允许更长的还款期限。

4.Negotiating better terms of credit 信用条款 can help improve cash flow for your business.

谈判更好的<顺>信用条款可以帮助改善您企业的现金流。

5.The bank provided me with the terms of credit 信用条款 for my loan application.

银行为我的贷款申请提供了<顺>信用条款。

作文

In the world of finance and business, understanding the terms of credit is crucial for both lenders and borrowers. The terms of credit refer to the conditions under which credit is extended by a lender to a borrower. These terms can include the interest rate, repayment schedule, and any fees associated with the loan. For businesses, having a clear grasp of the terms of credit can mean the difference between financial success and failure.When a business seeks to borrow money, it is essential to negotiate favorable terms of credit. This negotiation process allows the borrower to secure financing under conditions that are manageable and conducive to their financial health. For instance, a lower interest rate can significantly reduce the overall cost of borrowing, while a flexible repayment schedule can help a business manage its cash flow more effectively.Moreover, the terms of credit can vary widely depending on the lender's policies and the borrower's creditworthiness. A borrower with a strong credit history may receive more favorable terms of credit, such as lower interest rates or longer repayment periods. Conversely, a borrower with a poor credit history might face stricter terms, including higher interest rates and shorter repayment timelines.Understanding the implications of different terms of credit is also vital for personal finance. Individuals often rely on credit cards, loans, and mortgages, all of which come with specific terms of credit. For example, when applying for a mortgage, potential homeowners must consider not only the interest rate but also the length of the loan and any penalties for early repayment. Making informed decisions based on these terms of credit can lead to significant savings over time.In addition to interest rates and repayment schedules, the terms of credit may also include covenants or conditions that borrowers must adhere to. These could involve maintaining certain financial ratios or providing regular financial statements to the lender. Such stipulations aim to protect the lender's investment while ensuring that the borrower remains accountable.In conclusion, the terms of credit are an integral part of the borrowing process, influencing how individuals and businesses manage their finances. By understanding and negotiating these terms, borrowers can secure financing that aligns with their needs and goals. Whether it's for purchasing a home, expanding a business, or managing day-to-day expenses, being well-informed about the terms of credit can empower borrowers to make better financial decisions and ultimately achieve greater financial stability. Therefore, it is crucial for anyone engaging in borrowing to educate themselves on the various aspects of terms of credit and to seek advice if needed, ensuring they navigate the financial landscape with confidence and clarity.

在金融和商业的世界中，理解信用条款对借贷双方至关重要。信用条款是指贷方向借方提供信用的条件。这些条款可能包括利率、还款计划以及与贷款相关的任何费用。对于企业来说，清楚掌握信用条款可能意味着财务成功与失败之间的区别。当企业寻求借款时，谈判有利的信用条款至关重要。这一谈判过程使借款人能够在可管理和有利于其财务健康的条件下获得融资。例如，较低的利率可以显著降低借款的总体成本，而灵活的还款计划可以帮助企业更有效地管理现金流。此外，信用条款可能因贷方的政策和借款人的信用状况而有很大差异。信用历史良好的借款人可能会获得更有利的信用条款，如较低的利率或较长的还款期限。相反，信用历史不佳的借款人可能面临更严格的条款，包括较高的利率和较短的还款时间。理解不同信用条款的影响对个人理财也至关重要。个人通常依赖信用卡、贷款和抵押贷款，而这些都附带特定的信用条款。例如，在申请抵押贷款时，潜在的房主必须考虑不仅是利率，还包括贷款的期限以及提前还款的罚金。根据这些信用条款做出明智的决策可以在长期内节省大量开支。除了利率和还款计划外，信用条款还可能包括借款人必须遵守的契约或条件。这些可能涉及维持某些财务比率或向贷方提供定期财务报表。这类规定旨在保护贷方的投资，同时确保借款人保持责任感。总之，信用条款是借贷过程中的一个重要组成部分，影响个人和企业如何管理其财务。通过理解和谈判这些条款，借款人可以获得与其需求和目标相符的融资。无论是购买房屋、扩展业务还是管理日常开支，充分了解信用条款可以使借款人更好地做出财务决策，并最终实现更大的财务稳定。因此，参与借贷的任何人都应教育自己关于信用条款的各个方面，并在需要时寻求建议，确保他们自信而清晰地导航金融环境。