buyer's credit

简明释义

买方信贷

英英释义

例句

1.The bank approved the buyer's credit application, allowing the importer to proceed with the purchase.

银行批准了买方信用申请，使进口商能够继续采购。

2.The company secured a loan through buyer's credit to finance their import of machinery.

该公司通过买方信用获得贷款，以资助他们的机械进口。

3.Using buyer's credit, the retailer was able to purchase large quantities of goods without immediate payment.

利用买方信用，零售商能够在不立即付款的情况下购买大量商品。

4.The exporter offered favorable terms under buyer's credit to attract more international clients.

出口商在买方信用下提供优惠条款，以吸引更多国际客户。

5.Many businesses rely on buyer's credit to manage their cash flow effectively.

许多企业依靠买方信用来有效管理现金流。

作文

In today's global economy, businesses often engage in international trade to expand their markets and increase their profits. One important financial instrument that facilitates these transactions is buyer's credit. 买方信贷 is a type of financing provided to the buyer of goods, allowing them to make purchases without immediate cash outlay. This financial arrangement is particularly beneficial for importers who may not have sufficient funds available at the time of purchase. When a buyer wants to import goods from a foreign supplier, they often face challenges related to payment terms and cash flow. In such cases, buyer's credit serves as a solution by providing the necessary funds upfront. The financing is usually arranged through banks or financial institutions, which pay the seller on behalf of the buyer. In return, the buyer agrees to repay the bank over a specified period, typically with interest. This arrangement not only eases the financial burden on the buyer but also enhances their purchasing power, enabling them to acquire more goods than they could if they had to pay upfront.Moreover, buyer's credit can help build stronger relationships between buyers and sellers. When buyers are able to secure financing, they can negotiate better terms with suppliers, such as lower prices or extended payment periods. This can lead to more favorable business agreements and long-term partnerships. Sellers also benefit from this arrangement, as they receive payment promptly, reducing their risk of default and improving their cash flow.Another advantage of buyer's credit is its role in risk management. International trade comes with various risks, including currency fluctuations, political instability, and changes in market demand. By using buyer's credit, buyers can mitigate some of these risks. For instance, they can lock in prices at the time of purchase, protecting themselves from potential price increases in the future. Additionally, having access to credit allows buyers to respond quickly to market opportunities, as they can act swiftly without the constraints of cash availability.However, it is essential for buyers to use buyer's credit wisely. While it provides immediate financial relief, it also creates a debt obligation that must be repaid. Buyers need to assess their ability to manage this debt and ensure that their business generates enough revenue to cover the repayments. Failure to do so can lead to financial difficulties and damage their creditworthiness in the future.In conclusion, buyer's credit is a valuable tool in international trade that enables buyers to acquire goods without immediate cash outlay. By providing essential financing, it helps buyers manage their cash flow, build strong supplier relationships, and mitigate risks associated with international transactions. However, it is crucial for buyers to approach this financing option with caution, ensuring that they can meet their repayment obligations. Overall, buyer's credit plays a significant role in facilitating global commerce and supporting the growth of businesses worldwide.

在当今全球经济中，企业经常参与国际贸易，以扩大市场和增加利润。促进这些交易的重要金融工具之一是买方信贷。买方信贷是一种提供给商品买方的融资，允许他们在不立即支付现金的情况下进行购买。这种金融安排对于在购买时可能没有足够资金的进口商尤其有利。当买方想要从外国供应商那里进口商品时，他们通常面临与付款条款和现金流相关的挑战。在这种情况下，买方信贷通过提供必要的资金来解决问题。融资通常通过银行或金融机构安排，这些机构代表买方向卖方支付款项。作为回报，买方同意在规定的时间内偿还银行，通常还需支付利息。这种安排不仅减轻了买方的财务负担，还增强了他们的购买力，使他们能够获得更多的商品，而不是必须提前支付。此外，买方信贷可以帮助建立买卖双方之间更强的关系。当买方能够获得融资时，他们可以与供应商谈判更好的条款，例如降低价格或延长付款期限。这可以导致更有利的商业协议和长期合作关系。卖方也从这种安排中受益，因为他们及时收到付款，减少了违约风险并改善了现金流。买方信贷的另一个优势是其在风险管理中的作用。国际贸易伴随着各种风险，包括货币波动、政治不稳定和市场需求变化。通过使用买方信贷，买方可以减轻其中一些风险。例如，他们可以在购买时锁定价格，保护自己免受未来潜在价格上涨的影响。此外，获得信贷使买方能够迅速响应市场机会，因为他们可以在没有现金可用约束的情况下迅速采取行动。然而，买方必须明智地使用买方信贷。虽然它提供了即时的财务救济，但也会产生必须偿还的债务义务。买方需要评估自己管理这笔债务的能力，并确保他们的业务产生足够的收入来覆盖还款。如果未能做到这一点，可能会导致财务困难，并损害他们未来的信用worthiness。总之，买方信贷是国际贸易中一种有价值的工具，使买方能够在不立即支付现金的情况下获得商品。通过提供必要的融资，它帮助买方管理现金流、建立强大的供应商关系，并减轻与国际交易相关的风险。然而，买方必须谨慎处理这一融资选项，确保他们能够履行还款义务。总体而言，买方信贷在促进全球商业和支持企业增长方面发挥了重要作用。