bank lending; bank accommodation; bank loan

简明释义

银行贷款

英英释义

例句

1.Many small businesses rely heavily on bank accommodation 银行融资 to manage their cash flow.

许多小企业在管理现金流方面严重依赖银行融资。

2.The bank's policy on bank lending 银行贷款 has become more stringent this year.

今年，银行对银行贷款的政策变得更加严格。

3.She applied for a bank loan 银行贷款 to finance her new car purchase.

她申请了一笔银行贷款来资助购买新车。

4.The increase in bank lending 银行贷款 can stimulate economic growth.

增加的银行贷款可以刺激经济增长。

5.After reviewing her credit score, the bank offered her a bank loan 银行贷款 with a low interest rate.

在查看了她的信用评分后，银行给她提供了一笔利率较低的银行贷款。

作文

In the modern economy, bank lending（银行贷款） plays a crucial role in facilitating business growth and personal finance. Banks provide loans to individuals and businesses, allowing them to invest in opportunities that they might not be able to afford upfront. This process of bank lending is essential for stimulating economic activity, as it enables consumers to make large purchases, such as homes and cars, while providing businesses with the capital needed to expand operations and hire new employees.One important aspect of bank lending is the concept of bank accommodation（银行便利），which refers to the support that banks offer to their clients beyond just providing loans. This can include offering flexible repayment terms, restructuring existing debts, or providing financial advice to help customers manage their finances more effectively. Bank accommodation helps to ensure that borrowers can meet their obligations and maintain a positive relationship with their lenders.When individuals or businesses seek financial assistance, they often turn to bank loans（银行贷款） as a primary source of funding. A bank loan is a sum of money borrowed from a bank that is expected to be paid back with interest over a specified period. These loans can vary in size and duration, catering to different needs. For example, a small business may take out a bank loan to purchase inventory, while a homeowner might secure a mortgage to buy a property.The terms and conditions of bank loans can significantly impact the borrower’s financial health. Interest rates, repayment schedules, and fees are all factors that must be considered when applying for a loan. Additionally, the borrower’s creditworthiness plays a critical role in determining whether they qualify for a bank loan and what interest rate will be applied. Banks assess the risk associated with lending by reviewing the borrower’s credit history, income, and overall financial situation.As the economy fluctuates, the landscape of bank lending evolves. During periods of economic growth, banks may be more willing to extend credit, resulting in an increase in bank loans issued. Conversely, during economic downturns, banks may tighten their lending standards, making it more challenging for borrowers to obtain financing. This cycle can have significant implications for both individuals and businesses, as access to credit is vital for sustaining growth and stability.In conclusion, understanding the dynamics of bank lending, bank accommodation, and bank loans is essential for anyone looking to navigate the financial landscape. These elements not only play a pivotal role in personal finance but also contribute to the broader economy. By recognizing the importance of responsible borrowing and effective bank relationships, individuals and businesses can make informed decisions that promote financial well-being and long-term success.

在现代经济中，bank lending（银行贷款）在促进商业增长和个人财务方面发挥着至关重要的作用。银行向个人和企业提供贷款，使他们能够投资于可能无法提前负担的机会。这个bank lending的过程对于刺激经济活动至关重要，因为它使消费者能够进行大额购买，例如住房和汽车，同时为企业提供扩展运营和雇佣新员工所需的资本。bank lending的一个重要方面是bank accommodation（银行便利）的概念，它指的是银行向客户提供的支持，不仅仅是提供贷款。这可以包括提供灵活的还款条款、重组现有债务或提供财务建议，以帮助客户更有效地管理他们的财务。bank accommodation有助于确保借款人能够履行其义务，并与贷方保持良好的关系。当个人或企业寻求财务援助时，他们通常会将bank loans（银行贷款）作为主要资金来源。bank loan是从银行借入的一笔钱，预计将在指定期限内连同利息偿还。这些贷款的规模和期限各不相同，以满足不同的需求。例如，小企业可能会申请一笔bank loan来购买库存，而房主可能会获得抵押贷款来购买房产。bank loans的条款和条件会对借款人的财务健康产生重大影响。利率、还款计划和费用都是申请贷款时必须考虑的因素。此外，借款人的信用状况在确定他们是否有资格获得bank loan以及适用的利率方面起着关键作用。银行通过审查借款人的信用历史、收入和整体财务状况来评估与放贷相关的风险。随着经济波动，bank lending的格局也在不断演变。在经济增长期间，银行可能更愿意提供信贷，从而导致发放的bank loans增加。相反，在经济低迷期间，银行可能会收紧放贷标准，使借款人获得融资更加困难。这一周期可能对个人和企业产生重大影响，因为获得信贷对于维持增长和稳定至关重要。总之，理解bank lending、bank accommodation和bank loans的动态对于任何希望驾驭金融环境的人来说都是至关重要的。这些要素不仅在个人财务中发挥着关键作用，还对更广泛的经济做出贡献。通过认识到负责任借贷和有效银行关系的重要性，个人和企业可以做出明智的决策，从而促进财务健康和长期成功。