borrower

简明释义

英[ˈbɒrəʊə(r)]美[ˈbɔːroʊər]

n. 借款人，借方

复 数 b o r r o w e r s

英英释义

单词用法

同义词

反义词

例句

1.A borrower can end the auction as soon as he gets offers for enough money from lenders.

借方只要从贷方那里收到足够的金额就可以终止拍卖。

2.Debt is debt, and for every borrower there is a lender.

债务是债务，每一个借款人都有贷款人。

3.Consider a borrower who expects inflation of 2% and takes out a loan with a 5% interest rate.

假设一个预计通货膨胀率为2%的借款人以5%的利率贷了一笔款。

4.These swaps are used to speculate on the likelihood of a borrower repaying its debt.

这些互换是用来对借款人偿还贷款的可能性作投机用的。

5.The handling bank should sign a written loan contract with the borrower before granting the loan.

贷款发放前，经办行与借款人订立书面借款合同。

6.The business sector is not a net new borrower.

商业部不是新欠款人。

7.A "subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage.

“次级借款人”指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款。

8.And they are very hard to wriggle out of, even if the borrower goes bankrupt.

而且私人贷款很难设法逃避，即使贷款人已经破产。

9.Fallingcredit is a sign of a riskier borrower, says a spokeswoman for the CBA, whichwarrants higher rates.

CBA的发言人称信用等级降低意味着借款风险的上升，这样借贷利率提高也就顺理成章。

10.As a borrower, you must provide proof of income.

作为一个借款人，你必须提供收入证明。

11.The bank approved the loan application of the borrower.

银行批准了借款人的贷款申请。

12.The borrower was unable to make the monthly payments.

该借款人无法按月还款。

13.A good credit score is essential for any borrower.

良好的信用评分对任何借款人来说都是至关重要的。

14.The borrower signed the mortgage agreement yesterday.

该借款人昨天签署了抵押贷款协议。

作文

In today's society, the concept of a borrower is more relevant than ever. A borrower is an individual or entity that takes out a loan with the intention of repaying it over time. This relationship between the lender and the borrower is foundational to the economy, as it facilitates the flow of money and resources. For instance, when someone wants to buy a house but does not have enough savings, they often become a borrower by seeking a mortgage from a bank. The bank, in turn, assesses the borrower's creditworthiness to determine if they can repay the loan. Understanding the responsibilities of a borrower is crucial. Once a loan is taken, the borrower is obligated to adhere to the terms outlined in the loan agreement. This typically includes making regular payments, which consist of both principal and interest. Failure to meet these obligations can lead to serious consequences, such as damaged credit scores, increased debt, or even foreclosure in the case of a mortgage. Therefore, it is essential for any potential borrower to thoroughly understand their financial situation before entering into a loan agreement.Moreover, the role of a borrower extends beyond just personal loans. Businesses also act as borrowers when they seek funds to expand operations or invest in new projects. For example, a small business may take out a loan to purchase new equipment or hire additional staff. In this context, the borrower must consider not only their ability to repay but also the potential return on investment from the borrowed funds. This highlights the importance of financial literacy for both individual and business borrowers. In recent years, the rise of online lending platforms has changed the landscape for borrowers. These platforms often provide quicker access to funds with fewer requirements than traditional banks. However, they may also come with higher interest rates and less consumer protection. Therefore, it is crucial for borrowers to conduct thorough research and understand the terms before committing to any loan.Additionally, being a responsible borrower means maintaining open communication with lenders. If a borrower encounters financial difficulties, it is advisable to reach out to the lender to discuss options. Many lenders are willing to work with borrowers to create a manageable repayment plan, especially if they are proactive about their situation.In conclusion, the term borrower encompasses a wide range of individuals and entities engaged in the borrowing process. Whether it's for personal use or business purposes, understanding the implications of borrowing is vital. A borrower must be informed, responsible, and proactive in managing their loans to ensure financial health and stability. Ultimately, the relationship between lenders and borrowers plays a significant role in the overall economy, making it essential for all parties involved to act wisely and ethically.

在当今社会，借款人这一概念比以往任何时候都更加相关。借款人是指一个个人或实体，他们贷款并打算在一段时间内偿还。这种贷方和借款人之间的关系是经济的基础，因为它促进了资金和资源的流动。例如，当某人想要购买房屋但没有足够的储蓄时，他们通常会通过向银行寻求抵押贷款成为借款人。银行则评估借款人的信用worthiness，以确定他们是否能够偿还贷款。理解借款人的责任至关重要。一旦贷款被提取，借款人有义务遵守贷款协议中列出的条款。这通常包括定期付款，包括本金和利息。如果未能履行这些义务，可能会导致严重后果，例如信用评分受损、债务增加，甚至在抵押贷款的情况下面临止赎。因此，任何潜在的借款人在签订贷款协议之前，彻底了解自己的财务状况至关重要。此外，借款人的角色不仅限于个人贷款。企业在寻求资金以扩大运营或投资新项目时也会充当借款人。例如，一家小企业可能会贷款以购买新设备或雇用额外员工。在这种情况下，借款人必须考虑他们的还款能力以及从借款资金中获得的潜在投资回报。这突显了个人和企业借款人金融素养的重要性。近年来，在线借贷平台的兴起改变了借款人的格局。这些平台通常提供比传统银行更快的资金获取途径，要求也更少。然而，它们也可能伴随较高的利率和较少的消费者保护。因此，借款人在承诺任何贷款之前，进行彻底的研究并理解条款至关重要。此外，作为一个负责任的借款人意味着与贷方保持开放的沟通。如果借款人遇到财务困难，建议联系贷方讨论选择。许多贷方愿意与借款人合作，制定可管理的还款计划，特别是如果他们对自己的情况采取主动。总之，借款人这一术语涵盖了一系列参与借款过程的个人和实体。无论是用于个人用途还是商业目的，理解借款的含义至关重要。借款人必须具备信息、责任感，并在管理贷款时采取主动，以确保财务健康和稳定。最终，贷方与借款人之间的关系在整体经济中发挥着重要作用，因此所有参与方都需明智和道德地行事。