hypothecation

简明释义

英[haɪˌpɒθɪˈkeɪʃən]美[haɪˌpɑːθɪˈkeɪʃən]

n. 抵押；担保契约

英英释义

单词用法

同义词

反义词

例句

1.Bill hypothecation as a form of pledge is very popular in practice because of its character of circulation and security.

票据质押作为一种权利质押形式，由于其强流通性、高安全性而在实务中倍受青睐。

2.Hypothecation Agreement Allows a brokerage to use securities in an account as collateral when providing loans. Must be signed when opening a margin account.

担保契约协议当提供贷款时允许经纪公司将账户内的证券作为抵押品。必须在开设空白账户时签署。

3.The implementation of house property hypothecation is beneficial to the realization of promoting these goals.

房产抵押权的实现对促进这一目标的实现大有裨益。

4.The traditional hypothecation recourse theory targets the real estate hypothecation which is heavily influence by the flourish of the chattel mortgage.

传统抵押权追及效力理论仅以不动产抵押为假设对象，动产抵押的兴起对其产生了强烈的冲击。

5.The basic function of chattel hypothecation should be firstly clarified if studying chattel hypothecation.

研究动产抵押制度首先应阐明该制度具有的基本功能。

6.The implementation of house property hypothecation is beneficial to the realization of promoting these goals.

房产抵押权的实现对促进这一目标的实现，大有裨益。

7.CDs used for hypothecation are limited to certificates of time deposits issued by the savings outlets in the local administrated area of the tier-one branches of and branches under the Bank of China.

用于质押的存单仅限于中国银行一级分行及直属分行本辖区内各储蓄网点所开具的定期储蓄存单。

8.Before approving the loan, the bank assessed the value of the hypothecation 抵押 provided by the borrower.

在批准贷款之前，银行评估了借款人提供的hypothecation 抵押的价值。

9.Investors often rely on hypothecation 抵押 as a means of securing their investments in volatile markets.

投资者通常依赖于hypothecation 抵押作为在波动市场中保障其投资的一种手段。

10.The concept of hypothecation 抵押 allows borrowers to use their assets without losing ownership.

hypothecation 抵押的概念允许借款人使用他们的资产而不失去所有权。

11.The bank requires a form of hypothecation 抵押 to secure the loan against the property.

银行要求以一种形式的hypothecation 抵押来保障贷款与财产的关系。

12.In many cases, hypothecation 抵押 is used in real estate transactions to protect lenders.

在许多情况下，hypothecation 抵押用于房地产交易中以保护贷方的权益。

作文

In the world of finance, various terms are used to describe complex processes and agreements. One such term is hypothecation, which plays a crucial role in securing loans and facilitating credit transactions. To fully understand hypothecation, it is important to grasp its definition, implications, and applications in real-world scenarios.Hypothecation refers to the practice of pledging an asset as collateral for a loan without giving up ownership of that asset. This means that the borrower retains the right to use the asset while the lender has a claim on it in case of default. For instance, when someone takes out a mortgage to buy a house, they are hypothecating the property. The bank provides the loan based on the value of the home, and if the borrower fails to make payments, the bank can seize the property through foreclosure.The significance of hypothecation lies in its ability to provide security for lenders while allowing borrowers to access funds without losing control over their assets. This arrangement is particularly beneficial in various financial sectors, including real estate, vehicle financing, and business loans. In these cases, the borrower can continue to utilize the asset, whether it be living in a home or driving a car, while also meeting their financial obligations.Moreover, hypothecation serves as a critical mechanism in the broader context of credit markets. By allowing individuals and businesses to leverage their assets, it enhances liquidity and stimulates economic activity. For example, a small business owner might hypothecate their inventory to secure a line of credit. This enables them to invest in growth opportunities while ensuring that the lender has a safety net in case of non-payment.However, hypothecation is not without its risks. Borrowers must carefully consider their ability to repay the loan, as failure to do so can lead to the loss of valuable assets. Additionally, the lender must assess the risk associated with the asset being hypothecated. If the value of the asset declines significantly, it may not cover the outstanding loan amount, leaving the lender at a loss.In conclusion, hypothecation is a vital concept in the realm of finance that facilitates borrowing by allowing individuals and businesses to use their assets as collateral. It strikes a balance between providing security for lenders and enabling borrowers to maintain ownership of their assets. As the financial landscape continues to evolve, understanding hypothecation will remain essential for anyone looking to navigate the complexities of loans and credit transactions. By appreciating the nuances of this term, stakeholders can make informed decisions that align with their financial goals and risk tolerance.

在金融世界中，各种术语被用来描述复杂的过程和协议。其中一个术语是抵押，它在确保贷款和促进信用交易中发挥着至关重要的作用。要充分理解抵押，了解其定义、影响和在现实场景中的应用是非常重要的。抵押是指将资产作为贷款的担保，而不放弃对该资产的所有权。这意味着借款人在贷款期间仍然拥有使用该资产的权利，而贷方在借款人违约的情况下对该资产拥有索赔权。例如，当某人申请抵押贷款购买房屋时，他们实际上是在进行抵押。银行根据房屋的价值提供贷款，如果借款人未能按时还款，银行可以通过止赎来收回该物业。抵押的重要性在于它为贷方提供了安全保障，同时允许借款人访问资金而不失去对其资产的控制。这种安排在房地产、车辆融资和商业贷款等各个金融领域尤为有利。在这些情况下，借款人可以继续使用资产，无论是居住在家中还是驾驶汽车，同时履行他们的财务义务。此外，抵押在更广泛的信用市场背景下也作为一种关键机制。通过允许个人和企业利用其资产，它增强了流动性并刺激了经济活动。例如，一位小企业主可能会抵押他们的库存以获得信贷额度。这使他们能够投资于增长机会，同时确保贷方在未付款的情况下有安全网。然而，抵押并非没有风险。借款人必须仔细考虑他们的还款能力，因为未能还款可能导致失去有价值的资产。此外，贷方必须评估与被抵押资产相关的风险。如果资产的价值大幅下降，可能无法覆盖未偿还的贷款金额，从而使贷方面临损失。总之，抵押是金融领域中一个重要的概念，它通过允许个人和企业将其资产作为担保来促进借贷。它在为贷方提供安全保障和使借款人保持对其资产的所有权之间取得了平衡。随着金融环境的不断发展，理解抵押将继续对任何希望驾驭贷款和信用交易复杂性的人至关重要。通过欣赏这一术语的细微差别，利益相关者可以做出符合其财务目标和风险承受能力的明智决策。