banker's lien

简明释义

银行留置权

英英释义

例句

1.He didn't realize that his failure to pay would trigger the banker's lien on his assets.

他没有意识到，未付款会触发对其资产的银行留置权。

2.The bank exercised its banker's lien over the client's property due to unpaid loans.

由于未偿还贷款，银行对客户的财产行使了银行留置权。

3.She was surprised to learn that the banker's lien allowed the bank to take possession of her jewelry.

她惊讶地得知，银行留置权允许银行占有她的珠宝。

4.Under the banker's lien, the bank has the right to retain the collateral until the debt is settled.

根据银行留置权，银行有权保留抵押品，直到债务结清。

5.The banker's lien can be a powerful tool for banks to secure their interests.

银行留置权可以成为银行保护自身利益的强大工具。

作文

In the world of finance, various terms and concepts play a crucial role in facilitating transactions and ensuring the security of assets. One such term is banker's lien, which refers to a legal right that a bank or financial institution has to retain possession of a borrower's property until the borrower fulfills their obligations, particularly the repayment of loans. This concept is essential for understanding how banks protect their interests while providing credit to individuals and businesses.The banker's lien serves as a safeguard for banks, allowing them to mitigate risks associated with lending. When a customer borrows money from a bank, they often provide collateral—assets that can be claimed by the bank in case of default. The banker's lien gives the bank the authority to hold onto these assets until the debt is settled. For instance, if a business takes out a loan to purchase equipment, the bank may place a banker's lien on that equipment. If the business fails to repay the loan, the bank can seize the equipment to recover its losses.Understanding the implications of a banker's lien is vital for both borrowers and lenders. For borrowers, it highlights the importance of maintaining good financial standing and fulfilling loan agreements. Failure to do so could result in the loss of valuable assets. On the other hand, lenders benefit from this legal right as it provides them with a level of assurance when extending credit. It encourages responsible lending practices, as banks are less likely to issue loans without adequate collateral and the protection of a banker's lien.Moreover, the banker's lien is not limited to just tangible assets. In some cases, it can also extend to intangible assets, such as stocks or bonds. This flexibility allows banks to adapt to various financial situations and ensure their investments are protected. However, it is essential for both parties to clearly understand the terms of the lien, as misunderstandings can lead to disputes and legal complications.In conclusion, the concept of banker's lien is fundamental in the banking sector, providing a mechanism for financial institutions to secure their loans and manage risk. For borrowers, it serves as a reminder of the responsibilities that come with borrowing money and the potential consequences of defaulting on loans. As the financial landscape continues to evolve, understanding terms like banker's lien will remain crucial for anyone engaged in borrowing or lending activities. By grasping the significance of this legal right, individuals and businesses can make informed decisions that protect their financial interests and foster healthy relationships with their banks.

在金融世界中，各种术语和概念在促进交易和确保资产安全方面发挥着至关重要的作用。其中一个术语是银行留置权，它指的是银行或金融机构对借款人财产的合法权利，直到借款人履行其义务，特别是偿还贷款。理解这一概念对于理解银行如何在向个人和企业提供信贷的同时保护自身利益至关重要。银行留置权作为银行的保障，使其能够降低与贷款相关的风险。当客户从银行借款时，他们通常会提供抵押品——可以被银行在违约情况下索取的资产。银行留置权赋予银行在债务清偿之前保留这些资产的权利。例如，如果一家公司借款购买设备，银行可能会对该设备施加银行留置权。如果公司未能偿还贷款，银行可以扣押设备以弥补损失。理解银行留置权的含义对于借款人和贷款人都至关重要。对于借款人来说，这突显了保持良好财务状况和履行贷款协议的重要性。未能做到这一点可能导致丧失有价值的资产。另一方面，贷款人从这一法律权利中受益，因为它为他们在发放信贷时提供了一定程度的保障。这鼓励负责任的贷款实践，因为银行不太可能在没有适当抵押品和银行留置权保护的情况下发放贷款。此外，银行留置权不仅限于有形资产。在某些情况下，它还可以扩展到无形资产，如股票或债券。这种灵活性使银行能够适应各种财务情况，并确保其投资受到保护。然而，双方必须清楚理解留置权的条款，因为误解可能导致争议和法律纠纷。总之，银行留置权的概念在银行业中是基础性的，为金融机构提供了一种保障其贷款和管理风险的机制。对于借款人来说，它提醒人们借款所带来的责任及违约的潜在后果。随着金融环境的不断发展，理解像银行留置权这样的术语将始终对任何参与借贷活动的人至关重要。通过掌握这一法律权利的重要性，个人和企业可以做出明智的决策，以保护他们的财务利益，并促进与银行的健康关系。