advance rate

简明释义

1. 钻进速度; 2. 钻速; 3. 进展速度;

英英释义

例句

1.Investors are keen on understanding the advance rate of the mortgage-backed securities they are considering.

投资者热衷于了解他们所考虑的抵押贷款支持证券的预付款比例。

2.In our latest project, we managed to negotiate a higher advance rate with the supplier to improve cash flow.

在我们最新的项目中，我们设法与供应商谈判提高了预付款比例以改善现金流。

3.Understanding the advance rate is crucial for analyzing the risk associated with a loan.

理解预付款比例对于分析与贷款相关的风险至关重要。

4.The bank offered a competitive advance rate for home equity loans, which is defined as the percentage of the home's value that borrowers can access.

银行为家庭净值贷款提供了具有竞争力的预付款比例，即借款人可以访问的房屋价值的百分比。

5.The advance rate for this line of credit is set at 75%, allowing businesses to access a significant portion of their assets.

这条信贷额度的预付款比例设定为75%，允许企业访问其资产的显著部分。

作文

In the world of finance and lending, the term advance rate is crucial. It refers to the percentage of the total value of an asset that a lender is willing to advance to a borrower. Understanding the advance rate is essential for both borrowers and lenders, as it directly impacts how much money can be secured against an asset. For instance, if a company has inventory worth $100,000 and the lender offers an advance rate of 70%, the company can borrow up to $70,000 against that inventory. This concept is particularly important in asset-based lending, where the value of the collateral determines the amount of credit available.The advance rate varies depending on several factors, including the type of asset being used as collateral, the risk profile of the borrower, and the lender’s policies. Different assets come with different levels of liquidity and marketability. For example, real estate typically has a higher advance rate compared to inventory because real estate is generally more stable and easier to sell in case of default. Conversely, inventory might have a lower advance rate due to potential depreciation and the risk of obsolescence.Moreover, understanding the advance rate helps businesses manage their cash flow effectively. By knowing how much they can borrow against their assets, companies can make informed decisions about investments, expansions, or operational costs. A higher advance rate means more available cash, which can be crucial for businesses looking to seize growth opportunities or navigate through challenging financial times.Additionally, the advance rate can influence the overall cost of borrowing. Lenders often charge higher interest rates for loans with lower advance rates because they perceive these loans as riskier. Therefore, businesses should aim to improve their asset quality to secure better advance rates and reduce their borrowing costs. This can involve maintaining good inventory management practices, ensuring that assets are well-maintained, and improving overall financial health to enhance creditworthiness.In conclusion, the advance rate is a fundamental concept in lending that affects how much capital businesses can access based on their assets. A thorough understanding of this term allows borrowers to leverage their assets more effectively while also providing lenders with a framework for assessing risk. As the financial landscape continues to evolve, staying informed about factors that influence the advance rate will be vital for anyone involved in borrowing or lending. Thus, whether you are a small business owner or a financial professional, grasping the significance of the advance rate will empower you to make better financial decisions and foster greater economic stability.

在金融和借贷的世界中，术语advance rate至关重要。它指的是贷款人愿意向借款人提供的资产总值的百分比。理解advance rate对借款人和贷款人都是必不可少的，因为它直接影响到可以根据资产获得多少资金。例如，如果一家公司拥有价值100,000美元的库存，而贷款人提供70%的advance rate，那么该公司可以根据这项库存借款高达70,000美元。这个概念在基于资产的借贷中尤为重要，因为抵押品的价值决定了可用的信用额度。advance rate因多种因素而异，包括作为抵押品的资产类型、借款人的风险状况以及贷款人的政策。不同的资产具有不同的流动性和市场性。例如，房地产通常具有比库存更高的advance rate，因为房地产通常更稳定且在违约情况下更易于出售。相反，由于潜在的贬值和过时风险，库存可能具有较低的advance rate。此外，理解advance rate有助于企业有效管理现金流。通过了解他们可以根据资产借入多少资金，公司可以就投资、扩展或运营成本做出明智的决策。更高的advance rate意味着更多的可用现金，这对于希望抓住增长机会或应对财务挑战的企业至关重要。另外，advance rate还会影响借款的总体成本。贷款人通常会对advance rate较低的贷款收取更高的利率，因为他们认为这些贷款风险更大。因此，企业应努力提高其资产质量，以确保更好的advance rate并降低借款成本。这可能涉及保持良好的库存管理实践，确保资产得到良好维护，以及改善整体财务健康以增强信用worthiness。总之，advance rate是借贷中的一个基本概念，影响着企业可以根据其资产访问多少资本。对这一术语的透彻理解使借款人能够更有效地利用其资产，同时也为贷款人提供了一种评估风险的框架。随着金融环境的不断发展，了解影响advance rate的因素将对任何参与借贷的人至关重要。因此，无论您是小企业主还是金融专业人士，掌握advance rate的重要性将使您能够做出更好的财务决策，并促进更大的经济稳定。