callable loan

简明释义

短期拆借;

英英释义

例句

1.When interest rates fell, the company decided to refinance its callable loan to take advantage of lower rates.

当利率下降时，公司决定重新融资其可赎回贷款，以利用更低的利率。

2.The bank offered a callable loan to help us finance our new business, allowing them to demand repayment at any time.

银行提供了一种可赎回贷款，帮助我们为新业务融资，允许他们随时要求偿还。

3.A callable loan might be beneficial for businesses that expect to have excess cash flow in the future.

对于预计未来会有多余现金流的企业来说，可赎回贷款可能是有利的。

4.The terms of the callable loan included a clause that allowed the lender to call the loan after five years.

该可赎回贷款的条款包括一项条款，允许贷方在五年后要求偿还贷款。

5.Investors often prefer callable loans because they can manage their risk more effectively.

投资者通常更喜欢可赎回贷款，因为他们可以更有效地管理风险。

作文

A callable loan is a type of loan that gives the lender the right to demand repayment of the loan before its maturity date. This financial instrument can be particularly beneficial for lenders, as it allows them to manage their risk and capital more effectively. In this essay, I will explore the characteristics, advantages, and potential disadvantages of callable loans, as well as their implications for both borrowers and lenders.To begin with, let’s define what a callable loan entails. When a borrower takes out a loan, they typically agree to repay the principal amount along with interest over a specified period. However, with a callable loan, the lender retains the option to call the loan back at any time, which means they can require the borrower to repay the full outstanding balance earlier than anticipated. This feature is often included in commercial loans, mortgages, and bonds.One of the primary advantages of a callable loan for lenders is the flexibility it offers. If market conditions change and interest rates rise, lenders may want to call the loan to reinvest the funds at a higher yield. This capability allows lenders to protect their investment and maximize returns. Furthermore, in times of economic instability, having the option to call a loan can help lenders mitigate risks associated with default.On the other hand, borrowers may find callable loans less appealing due to the uncertainty they introduce. For example, if a borrower has taken out a callable loan and the lender decides to exercise their right to call the loan, the borrower may face unexpected financial strain. They might have to scramble to find the funds to repay the loan, which could lead to penalties or even bankruptcy in extreme cases. Therefore, while the initial terms of the loan may be attractive, the potential for early repayment can create significant financial pressure on borrowers.Another consideration is the cost associated with callable loans. Typically, these loans come with higher interest rates compared to non-callable loans. This increase in cost reflects the added risk to borrowers, as they must account for the possibility of early repayment. Consequently, borrowers need to carefully evaluate whether the benefits of a callable loan outweigh the potential drawbacks before committing to such an agreement.In conclusion, callable loans represent a complex financial tool that offers both opportunities and challenges for borrowers and lenders alike. While they provide lenders with the flexibility to manage their investments and respond to changing market conditions, they also impose risks on borrowers who must be prepared for the possibility of early repayment. Understanding the intricacies of callable loans is crucial for anyone considering entering into such an agreement, as it can significantly impact their financial stability and future planning. As the financial landscape continues to evolve, the role of callable loans will undoubtedly remain a topic of interest for both borrowers and investors.

可赎回贷款（callable loan）是一种贷款类型，给予贷方在贷款到期日前要求借款人还款的权利。这种金融工具对贷方特别有利，因为它使他们能够更有效地管理风险和资本。在这篇文章中，我将探讨可赎回贷款的特点、优点和潜在缺点，以及它们对借款人和贷方的影响。首先，让我们定义一下可赎回贷款的含义。当借款人申请贷款时，他们通常同意在特定期限内偿还本金和利息。然而，在可赎回贷款中，贷方保留随时要求提前偿还贷款的选项，这意味着他们可以要求借款人提前偿还全部未偿还余额。这个特性通常出现在商业贷款、抵押贷款和债券中。对于贷方来说，可赎回贷款的主要优点之一是它所提供的灵活性。如果市场条件发生变化，利率上升，贷方可能希望赎回贷款，以便以更高的收益再投资这些资金。这种能力使贷方能够保护其投资并最大化回报。此外，在经济不稳定时期，拥有赎回贷款的选项可以帮助贷方减轻与违约相关的风险。另一方面，借款人可能会发现可赎回贷款由于引入的不确定性而不那么吸引。例如，如果借款人已申请可赎回贷款，而贷方决定行使其赎回权，则借款人可能面临意外的财务压力。他们可能不得不匆忙寻找资金来偿还贷款，这可能导致罚款甚至在极端情况下破产。因此，尽管贷款的初始条款可能具有吸引力，但提前还款的可能性可能会给借款人带来重大财务压力。另一个考虑因素是与可赎回贷款相关的成本。通常，这些贷款的利率比不可赎回贷款要高。这种成本的增加反映了对借款人的额外风险，因为他们必须考虑提前还款的可能性。因此，借款人在承诺这样的协议之前，需要仔细评估可赎回贷款的好处是否超过潜在的缺点。总之，可赎回贷款代表了一种复杂的金融工具，为借款人和贷方提供了机遇和挑战。虽然它们为贷方提供了灵活性，以管理其投资并应对不断变化的市场条件，但它们也对借款人施加了风险，借款人必须做好准备以应对提前还款的可能性。理解可赎回贷款的复杂性对于任何考虑进入此类协议的人至关重要，因为它可能会显著影响他们的财务稳定性和未来规划。随着金融环境的不断演变，可赎回贷款的角色无疑将继续成为借款人和投资者关注的话题。