banking syndicate; syndicate

简明释义

银团

英英释义

例句

1.To mitigate risk, the company decided to approach a syndicate for its upcoming merger.

为了降低风险，公司决定寻求一个财团来进行即将到来的并购。

2.The large project was financed by a banking syndicate, which is a group of banks that work together to provide funds.

这个大型项目由一个银行财团融资，这个财团是由多个银行共同提供资金的。

3.During the financial crisis, many banking syndicates were formed to stabilize the economy.

在金融危机期间，许多银行财团成立以稳定经济。

4.The banking syndicate agreed to lend $500 million for the construction of the new highway.

这个银行财团同意为新高速公路的建设贷款5亿美元。

5.A syndicate of investors pooled their resources to fund the startup.

一群投资者组成了一个财团，共同出资支持这家初创公司。

作文

In the world of finance, a banking syndicate is a group of banks or financial institutions that come together to provide funds for a specific project or to underwrite a large loan. This collaborative effort allows these institutions to share the risk associated with lending large sums of money. The concept of a syndicate is not limited to banking; it can also apply to various industries where multiple parties pool their resources to achieve a common goal. For instance, in film production, a syndicate may refer to a group of investors who finance a movie project.The formation of a banking syndicate typically occurs when the financial requirements of a project exceed what a single bank is willing or able to lend. By joining forces, banks can diversify their risk exposure while still meeting the financial needs of the borrower. This is particularly common in large-scale infrastructure projects, such as building highways, bridges, or power plants, where the funding required can be substantial.Each member of the banking syndicate plays a specific role, often determined by the amount of capital they contribute. The lead bank, known as the 'bookrunner,' takes on the responsibility of managing the syndicate and coordinating the loan agreement. Other banks in the syndicate may serve as participants, providing additional capital and sharing in the risks and rewards of the loan.One of the key advantages of a banking syndicate is that it enables access to larger amounts of capital than any single institution could provide alone. This is crucial for borrowers seeking significant funding for ambitious projects. Additionally, having multiple lenders can enhance the credibility of the financing arrangement, as it indicates that several reputable institutions have assessed the project's viability and deemed it worthy of investment.However, there are also challenges associated with forming a banking syndicate. Negotiating the terms of the loan can be complex, as each member of the syndicate may have different expectations and requirements. Furthermore, decision-making can become cumbersome when multiple parties are involved, potentially leading to delays in the financing process.Despite these challenges, banking syndicates play a vital role in the global economy by facilitating large-scale investments that drive growth and development. They enable projects that might otherwise be unfeasible due to the high capital requirements, thus contributing to job creation and infrastructure improvement.In conclusion, understanding the dynamics of a banking syndicate and the broader concept of a syndicate is essential for anyone interested in finance or business. These collaborative arrangements not only mitigate risk for individual banks but also foster economic development by enabling significant projects to move forward. As the financial landscape continues to evolve, the role of banking syndicates will likely remain crucial for addressing the funding challenges faced by businesses and governments alike.

在金融世界中，银行财团是指一组银行或金融机构共同提供资金用于特定项目或承销大型贷款的合作。这样的合作使得这些机构能够分担与借出大额资金相关的风险。财团的概念不仅限于银行，它也可以适用于各个行业，在这些行业中，多个参与方汇集资源以实现共同目标。例如，在电影制作中，财团可能指的是一群投资者为电影项目融资。当某个项目的财务需求超出单个银行愿意或能够借出的额度时，通常会形成一个银行财团。通过联合行动，银行能够分散其风险敞口，同时仍然满足借款人的财务需求。这在大型基础设施项目中尤为常见，例如建造高速公路、桥梁或发电厂，因为所需的资金可能是巨大的。每个银行财团的成员扮演着特定角色，通常由其所贡献的资本量决定。主导银行，被称为“账簿管理人”，负责管理财团并协调贷款协议。其他银行则作为参与者，提供额外的资本，并共同承担贷款的风险和收益。银行财团的一个主要优势在于，它能够比任何单一机构独自提供更大金额的资本。这对寻求重大融资以进行雄心勃勃项目的借款人至关重要。此外，拥有多个贷方可以增强融资安排的可信度，因为这表明几家信誉良好的机构已评估该项目的可行性并认为值得投资。然而，形成银行财团也面临一些挑战。谈判贷款条款可能很复杂，因为财团中的每个成员可能有不同的期望和要求。此外，当涉及多个方时，决策可能变得繁琐，可能导致融资过程的延迟。尽管存在这些挑战，银行财团在全球经济中发挥着重要作用，通过促进推动增长和发展的大型投资。它们使得那些由于高资本要求而可能无法实现的项目得以进行，从而促进了就业创造和基础设施改善。总之，理解银行财团的动态及更广泛的财团概念对于任何对金融或商业感兴趣的人来说都是至关重要的。这些合作安排不仅减轻了单个银行的风险，还通过推动重要项目的进展来促进经济发展。随着金融环境的不断演变，银行财团在应对企业和政府面临的融资挑战方面仍将发挥关键作用。