collateralize

简明释义

英[kɒˈlætərəlaɪz]美[kəˈlætərəˌlaɪz]

vt. 以……作抵押

第 三 人 称 单 数 c o l l a t e r a l i z e s

现 在 分 词 c o l l a t e r a l i z i n g

过 去 式 c o l l a t e r a l i z e d

过 去 分 词 c o l l a t e r a l i z e d

英英释义

单词用法

同义词

反义词

例句

1."I got nothing because I wasn't willing to collateralize it with my house," Frey said.

“我没有答应，因为我不愿意那我的房子做抵押”，Frey说。

2.Borrowers can cross-collateralize their assets and a loan can be approved in a week or less.

借款人可以以此产作为混淆典质，一周或少于一周得到批准。

3.Borrowers can cross-collateralize their assets and a loan can be approved in a week or less.

借款人可以以此产作为混淆典质，一周或少于一周得到批准。

4.In order to collateralize the deal, they provided a guarantee from a third party.

为了抵押这笔交易，他们提供了第三方的担保。

5.The bank requires borrowers to collateralize their loans with tangible assets.

银行要求借款人用有形资产抵押他们的贷款。

6.The startup had to collateralize its equipment to secure funding.

这家初创公司不得不将其设备抵押以获得资金。

7.Investors often want to collateralize their investments to minimize risk.

投资者通常希望将他们的投资抵押以降低风险。

8.To secure the loan, the company decided to collateralize its property assets.

为了确保贷款，公司决定将其物业资产抵押。

作文

In the world of finance, understanding the concept of collateralization is crucial for both lenders and borrowers. To collateralize means to pledge an asset as security for a loan. This process not only protects the lender's interests but also provides the borrower with better terms and conditions for obtaining credit. For instance, when a homeowner takes out a mortgage, the property itself serves as collateral. If the borrower fails to repay the loan, the lender has the right to seize the property through foreclosure. This relationship between collateral and loans is fundamental in mitigating risk in financial transactions.The importance of collateralize cannot be overstated in lending practices. By requiring collateral, lenders can ensure that they have some form of guarantee that the loan will be repaid. This is particularly significant in cases where the borrower has a questionable credit history or lacks a strong financial background. In such scenarios, the presence of collateral can make a substantial difference in the approval process. It allows lenders to extend credit to individuals or businesses that might otherwise be deemed too risky.Moreover, the types of assets that can be used to collateralize a loan are diverse. Common examples include real estate, vehicles, stocks, and bonds. Each type of collateral comes with its own set of advantages and disadvantages. For example, real estate tends to appreciate over time, making it a favorable option for lenders. On the other hand, vehicles depreciate quickly, which can pose a risk if the borrower defaults on the loan.In addition to traditional lending, the concept of collateralize has also found its way into the world of cryptocurrency and decentralized finance (DeFi). In these emerging markets, users can collateralize their digital assets to borrow funds or earn interest. This innovative approach allows individuals to access liquidity without having to sell their assets, thereby retaining ownership while still benefiting from their value.However, the practice of collateralize does come with its own set of challenges. One significant risk is the potential for asset devaluation. If the value of the collateral decreases significantly, lenders may require additional collateral to maintain the loan agreement, or they may choose to liquidate the asset altogether. This scenario can create a cycle of debt for borrowers who find themselves unable to meet these new demands.Furthermore, the legal implications of collateralize agreements must also be considered. Both parties must clearly understand the terms and conditions surrounding the collateral. This includes what happens in the event of a default and how the asset will be handled. Without proper documentation and legal safeguards, disputes can arise, leading to costly litigation and damage to both parties' reputations.In conclusion, the ability to collateralize assets plays a pivotal role in the financial landscape. It offers a safety net for lenders while providing borrowers with opportunities for credit access. As our financial systems continue to evolve, the principles of collateralization will remain a cornerstone of responsible lending and borrowing practices. Understanding how to effectively collateralize assets can lead to more informed financial decisions and ultimately contribute to a more stable economy.

在金融世界中，理解抵押的概念对贷方和借方都至关重要。collateralize的意思是将资产作为贷款的担保。这一过程不仅保护了贷方的利益，还为借方提供了更好的信贷条款和条件。例如，当房主申请抵押贷款时，房产本身就是抵押品。如果借款人未能偿还贷款，贷方有权通过止赎来收回该财产。抵押品与贷款之间的这种关系在减轻金融交易中的风险方面是基础性的。collateralize的重要性在借贷实践中不容小觑。通过要求抵押物，贷方可以确保他们拥有某种形式的保证，以确保贷款得到偿还。这在借款人信用历史可疑或缺乏强大财务背景的情况下尤为重要。在这种情况下，抵押物的存在可以在审批过程中产生重大差异。它使贷方能够向那些可能被认为风险过大的个人或企业提供信贷。此外，可以用来collateralize贷款的资产类型多种多样。常见的例子包括房地产、车辆、股票和债券。每种类型的抵押品都有其自身的优势和劣势。例如，房地产往往会随着时间的推移而升值，使其成为贷方的一个有利选择。另一方面，车辆贬值迅速，如果借款人违约，这可能会构成风险。除了传统借贷外，collateralize的概念也已进入加密货币和去中心化金融（DeFi）领域。在这些新兴市场中，用户可以用他们的数字资产进行collateralize以借款或赚取利息。这种创新的方法使个人能够在不出售资产的情况下获得流动性，从而在保留所有权的同时仍能从其价值中获益。然而，collateralize的做法也面临着一系列挑战。一个重要的风险是资产贬值的潜在性。如果抵押品的价值显著下降，贷方可能要求额外的抵押品以维持贷款协议，或者他们可能选择完全清算该资产。这种情况可能会给借款人带来债务循环，使他们无法满足这些新要求。此外，collateralize协议的法律含义也必须考虑。双方必须清楚了解围绕抵押品的条款和条件。这包括在违约情况下会发生什么，以及资产将如何处理。如果没有适当的文档和法律保障，争议可能会出现，导致昂贵的诉讼和对双方声誉的损害。总之，能够collateralize资产在金融领域发挥着关键作用。它为贷方提供了安全网，同时为借方提供了信贷获取的机会。随着我们的金融系统不断发展，抵押原则将继续作为负责任的借贷实践的基石。有效理解如何collateralize资产可以导致更明智的财务决策，并最终有助于更稳定的经济。