bank loan; bank lending; bank advance

简明释义

银行借款

英英释义

A bank loan is a sum of money that a bank lends to an individual or business, which is expected to be paid back with interest over a specified period.

银行贷款是银行借给个人或企业的一笔资金，预计在规定的时间内连同利息偿还。

Bank lending refers to the process by which banks provide loans to borrowers, including individuals and businesses, based on their creditworthiness and repayment ability.

银行放贷是指银行根据借款人的信用状况和还款能力向个人和企业提供贷款的过程。

A bank advance is a type of short-term loan provided by a bank to a borrower, typically with a higher interest rate, meant to meet immediate financial needs.

银行预付款是一种由银行提供给借款人的短期贷款，通常利率较高，旨在满足紧急的财务需求。

例句

1.The bank lending policies have become stricter after the financial crisis.

金融危机后，银行借贷政策变得更加严格。

2.She applied for a bank advance to cover unexpected medical expenses.

她申请了一个银行预支以支付意外的医疗费用。

3.Many small businesses rely on a bank loan to finance their operations.

许多小企业依赖于银行贷款来资助他们的运营。

4.Before taking out a bank loan, it's important to compare different lenders.

在申请银行贷款之前，比较不同的贷款机构是很重要的。

5.The interest rates for bank lending have decreased this year, making it easier for homeowners to refinance.

今年的银行借贷利率下降，使得房主更容易再融资。

作文

In today's fast-paced world, financial institutions play a crucial role in supporting both individuals and businesses through various means. One of the most common forms of financial assistance provided by banks is a bank loan (银行贷款). A bank loan typically refers to money borrowed from a bank that must be repaid with interest over a specified period. This financial product can help individuals purchase homes, cars, or cover unexpected expenses. For businesses, bank loans can provide the necessary capital to expand operations, invest in new technology, or manage cash flow during challenging times.Moreover, bank lending (银行借贷) encompasses a broader range of services offered by banks to facilitate borrowing. It includes not only bank loans but also credit lines, mortgages, and other financing options. The process of bank lending involves assessing the borrower's creditworthiness, which is determined by their credit history, income level, and overall financial stability. Banks utilize this information to mitigate risk and ensure that they lend to borrowers who are likely to repay their debts.Another important aspect of bank lending is the interest rates associated with these loans. Interest rates can vary significantly based on the type of loan, the lender's policies, and the economic environment. When interest rates are low, borrowing becomes more attractive for consumers and businesses alike, leading to increased spending and investment. Conversely, high interest rates can deter borrowing and slow down economic growth.Additionally, there is a term known as bank advance (银行透支), which refers to a short-term borrowing option that allows an account holder to withdraw more money than they have in their account, up to a certain limit. This can be particularly useful for individuals facing temporary cash flow issues. However, bank advances often come with higher interest rates compared to traditional bank loans, making it essential for borrowers to use this option judiciously.Understanding the different types of financial products available through bank lending is vital for anyone looking to manage their finances effectively. Whether it's securing a bank loan for a major purchase, utilizing a bank advance to cover short-term needs, or exploring other lending options, being informed can help individuals make better financial decisions. Additionally, it is crucial for borrowers to shop around and compare offers from different banks to find the best terms and interest rates available.In conclusion, bank loans, bank lending, and bank advances are essential components of the financial landscape. They provide individuals and businesses with the necessary resources to achieve their goals and navigate financial challenges. By understanding these concepts and the implications of borrowing, individuals can leverage these financial tools to improve their economic situation and work towards a more secure financial future.

在当今快速发展的世界中，金融机构在通过各种方式支持个人和企业方面发挥着至关重要的作用。银行提供的最常见的财务援助形式之一是银行贷款（bank loan）。银行贷款通常指从银行借入的资金，必须在规定的期限内连本带息偿还。这种金融产品可以帮助个人购买房屋、汽车或应对意外开支。对于企业来说，银行贷款可以提供必要的资金，以扩展运营、投资新技术或在困难时期管理现金流。此外，银行借贷（bank lending）涵盖了银行提供的更广泛的服务，以促进借款。它不仅包括银行贷款，还包括信用额度、抵押贷款和其他融资选项。银行借贷的过程涉及评估借款人的信用worthiness，这取决于他们的信用历史、收入水平和整体财务稳定性。银行利用这些信息来降低风险，并确保将贷款发放给有可能偿还债务的借款人。银行借贷的另一个重要方面是与这些贷款相关的利率。利率可能因贷款类型、贷款机构的政策和经济环境而有显著差异。当利率较低时，借款对消费者和企业而言变得更加吸引人，从而导致支出和投资的增加。相反，高利率可能会抑制借款并减缓经济增长。此外，还有一个术语称为银行透支（bank advance），它指的是一种短期借款选项，允许账户持有人提取超过其账户余额的金额，直到某一限额。这对面临临时现金流问题的个人尤其有用。然而，与传统的银行贷款相比，银行透支通常伴随着更高的利率，因此借款人必须谨慎使用这一选项。了解通过银行借贷可用的不同类型的金融产品，对于希望有效管理自己财务的任何人来说都是至关重要的。无论是为了重大购买而获得银行贷款，利用银行透支来满足短期需求，还是探索其他借贷选项，掌握这些知识都可以帮助个人做出更好的财务决策。此外，借款人必须四处比较，寻找不同银行的最佳条款和利率。总之，银行贷款、银行借贷和银行透支是金融领域的重要组成部分。它们为个人和企业提供了实现目标和应对财务挑战所需的资源。通过理解这些概念及其借款的影响，个人可以利用这些金融工具改善经济状况，并朝着更安全的财务未来努力。