marginal credit

简明释义

限界信贷

英英释义

例句

1.She was aware that her marginal credit could affect her rental application.

她知道自己的边际信用可能会影响她的租房申请。

2.He was turned down for the credit card due to his marginal credit score.

由于他的边际信用评分，他被拒绝申请信用卡。

3.With marginal credit, it can be difficult to secure favorable interest rates.

拥有边际信用的人很难获得有利的利率。

4.Investors often shy away from companies with marginal credit ratings.

投资者通常会避开信用评级较低的公司，即具有边际信用的公司。

5.The bank offered him a loan despite his marginal credit history.

尽管他的边际信用历史不佳，银行仍然给他提供了贷款。

作文

In the world of finance and economics, the term marginal credit refers to the additional amount of credit that a borrower can obtain based on their current financial situation. Understanding marginal credit is crucial for both lenders and borrowers as it plays a significant role in determining the borrowing capacity of individuals and businesses. It essentially reflects the risk associated with lending money to a particular borrower. When assessing marginal credit, lenders consider various factors such as income, credit history, existing debts, and overall financial health. For example, a young professional who has just started their career may have a limited credit history. However, if they have a steady income and low existing debt, a lender might still assess their marginal credit positively. This means that while their overall credit score may not be very high, they still have the potential to take on additional credit responsibly. On the other hand, a borrower with a poor credit history and high existing debts may find their marginal credit to be significantly lower, limiting their ability to secure further loans or credit lines.The concept of marginal credit is particularly important in the context of economic fluctuations. During times of economic growth, lenders may be more willing to extend credit to borrowers, leading to an increase in marginal credit availability. Conversely, during economic downturns, lenders often tighten their lending standards, which can decrease marginal credit and make it more challenging for borrowers to access funds.Moreover, understanding marginal credit can help borrowers make informed decisions about their financial futures. For instance, if a borrower knows their marginal credit limit, they can better manage their finances by avoiding taking on too much debt. This knowledge can empower them to make strategic choices about when and how much to borrow, ensuring they do not overextend themselves financially.In addition, the awareness of marginal credit can also encourage borrowers to improve their creditworthiness. By focusing on paying down existing debts, making timely payments, and maintaining a stable income, borrowers can enhance their marginal credit. This proactive approach can lead to better loan terms and lower interest rates, ultimately saving them money in the long run.In conclusion, the term marginal credit encapsulates a critical aspect of personal and business finance. It represents the additional credit available to borrowers based on their financial circumstances. By understanding marginal credit, both lenders and borrowers can navigate the complexities of the credit market more effectively. Ultimately, this understanding can lead to healthier financial practices, better lending decisions, and improved economic stability for individuals and businesses alike.

在金融和经济的世界中，术语边际信用指的是借款人根据其当前财务状况可以获得的额外信用额度。理解边际信用对于贷方和借款人来说至关重要，因为它在确定个人和企业的借款能力方面发挥着重要作用。它本质上反映了向特定借款人贷款的风险。在评估边际信用时，贷方会考虑多种因素，例如收入、信用历史、现有债务和整体财务健康状况。例如，一位刚刚开始职业生涯的年轻专业人士可能信用历史有限。然而，如果他们拥有稳定的收入和低现有债务，贷方仍然可能对他们的边际信用进行积极评估。这意味着虽然他们的整体信用评分可能不高，但他们仍有潜力负责任地承担额外的信用。另一方面，信用历史不佳且现有债务高的借款人可能发现他们的边际信用显著降低，从而限制了他们获取进一步贷款或信用额度的能力。在经济波动的背景下，边际信用的概念尤为重要。在经济增长时期，贷方可能更愿意向借款人提供信用，从而导致边际信用的可用性增加。相反，在经济低迷期间，贷方通常会收紧贷款标准，这可能会减少边际信用，使借款人更难获得资金。此外，了解边际信用可以帮助借款人做出明智的财务决策。例如，如果借款人知道他们的边际信用限额，他们可以更好地管理自己的财务，避免过度负债。这种知识可以使他们在何时以及借多少方面做出战略选择，确保他们不会在财务上过度扩张。此外，意识到边际信用也可以鼓励借款人提高他们的信用worthiness。通过专注于偿还现有债务、按时付款和维持稳定收入，借款人可以增强他们的边际信用。这种积极的做法可以导致更好的贷款条款和更低的利率，从而最终为他们节省资金。总之，术语边际信用概括了个人和商业金融的一个关键方面。它代表了基于借款人财务状况的额外信用。通过理解边际信用，贷方和借款人都可以更有效地导航信贷市场的复杂性。最终，这种理解可以导致更健康的财务实践、更好的贷款决策，以及个人和企业的经济稳定性。