prior claim; priority of claim

简明释义

优先索赔权

英英释义

例句

1.The bank has a prior claim 优先索赔权 on the property due to the mortgage.

由于抵押贷款，银行对该物业拥有优先索赔权prior claim。

2.Investors need to understand the priority of claim 索赔优先权 structure in case of liquidation.

投资者需要了解在清算情况下的索赔优先权priority of claim结构。

3.The lease agreement clearly states that the landlord has a prior claim 优先索赔权 over any improvements made by the tenant.

租赁协议明确规定，房东对租户所做的任何改善拥有优先索赔权prior claim。

4.The contractor's prior claim 优先索赔权 for unpaid work must be resolved before any new contracts are signed.

在签署任何新合同之前，承包商的优先索赔权prior claim必须得到解决。

5.In bankruptcy proceedings, creditors with a priority of claim 索赔优先权 will be paid first.

在破产程序中，拥有索赔优先权priority of claim的债权人将首先获得支付。

作文

In the world of finance and law, understanding the concept of prior claim; priority of claim is crucial for both investors and creditors. This term refers to the order in which claims are settled in the event of liquidation or bankruptcy. Essentially, it determines who gets paid first when a company faces financial difficulties. When a business goes bankrupt, its assets are liquidated to pay off debts. However, not all creditors have the same rights to these assets. Those with a prior claim; priority of claim are given precedence over others, meaning they will receive payment before those with lower priority claims.For instance, secured creditors, such as banks that have lent money against collateral, hold a prior claim; priority of claim on the assets of the company. This means that if the company fails, the bank can seize the collateral to recover its loan. On the other hand, unsecured creditors, like suppliers or service providers, do not have any specific assets tied to their claims. As a result, they are at a disadvantage because they will only be compensated after secured creditors have been paid.Understanding this hierarchy of claims is vital for investors who wish to assess the risk associated with investing in a particular company. If a company has a high level of secured debt, it may indicate that there are significant risks for equity holders since they will be last in line to receive any payouts in the case of liquidation. Investors must analyze the company's balance sheet carefully to determine the extent of its liabilities and the potential impact on their investments.Furthermore, the prior claim; priority of claim also plays a significant role in negotiations during mergers and acquisitions. Companies looking to acquire another firm need to understand the existing debts and obligations of the target company. If the target has numerous secured creditors, the acquiring company may face challenges in restructuring the debt or negotiating terms favorable to its shareholders.Additionally, legal professionals must be well-versed in the implications of prior claim; priority of claim when advising clients on financial decisions or during litigation. For example, in bankruptcy proceedings, attorneys must advocate for their clients’ interests by ensuring that their claims are recognized and prioritized appropriately. This often involves navigating complex legal frameworks and understanding the nuances of bankruptcy law.In conclusion, the concept of prior claim; priority of claim is fundamental in the realms of finance and law. It affects how debts are settled in bankruptcy situations and influences investment decisions, corporate acquisitions, and legal strategies. Both creditors and investors must be aware of their standing in the hierarchy of claims to protect their financial interests effectively. By comprehending the importance of this concept, stakeholders can make informed decisions that align with their financial goals and risk tolerance.

在金融和法律的世界中，理解“prior claim; priority of claim”这一概念对投资者和债权人至关重要。该术语指的是在清算或破产事件中，索赔被解决的顺序。它本质上决定了在公司面临财务困难时，谁会优先获得付款。当一家企业破产时，其资产会被清算以偿还债务。然而，并非所有债权人对这些资产拥有相同的权利。拥有“prior claim; priority of claim”的债权人享有优先权，这意味着他们将在其他低优先级索赔之前获得付款。例如，担保债权人，如以抵押品贷款的银行，在公司的资产上拥有“prior claim; priority of claim”。这意味着如果公司失败，银行可以扣押抵押品以收回其贷款。另一方面，无担保债权人，如供应商或服务提供商，没有与其索赔相关的特定资产。因此，他们处于不利地位，因为他们只有在担保债权人获得付款后才能获得赔偿。理解这种索赔层次结构对于希望评估投资特定公司的风险的投资者至关重要。如果一家公司拥有高水平的担保债务，这可能表明股东面临重大风险，因为他们将在清算情况下最后获得任何赔偿。投资者必须仔细分析公司的资产负债表，以确定其负债的程度以及对其投资的潜在影响。此外，“prior claim; priority of claim”在并购谈判中也起着重要作用。希望收购另一家公司的公司需要了解目标公司的现有债务和义务。如果目标公司有许多担保债权人，收购公司在重组债务或谈判对其股东有利的条款时可能会面临挑战。此外，法律专业人士在为客户提供财务决策或诉讼期间的建议时，必须熟悉“prior claim; priority of claim”的含义。例如，在破产程序中，律师必须通过确保其客户的索赔得到适当认可和优先处理来维护客户的利益。这通常涉及到复杂的法律框架和对破产法细微差别的理解。总之，“prior claim; priority of claim”的概念在金融和法律领域是基础性的。它影响破产情况下债务的解决，并影响投资决策、企业收购和法律策略。债权人和投资者都必须意识到自己在索赔层次中的地位，以有效保护其财务利益。通过理解这一概念的重要性，利益相关者可以做出符合其财务目标和风险承受能力的明智决策。