with recourse

简明释义

有追索权

英英释义

例句

1.Investors were told that their investment was with recourse to the company's assets.

投资者被告知他们的投资是有追索权的，可以追索公司的资产。

2.When selling the property, the seller agreed to do so with recourse in case the buyer fails to make payments.

在出售该物业时，卖方同意以有追索权的方式进行，以防买方未能付款。

3.The contract stipulated that the loan was issued with recourse to the guarantor.

合同规定该贷款是以有追索权的方式发放给担保人的。

4.The bank provided a loan to the business with recourse, meaning they can seek repayment from the owners if the business defaults.

银行向企业提供了一个有追索权的贷款，这意味着如果企业违约，他们可以向业主追讨还款。

5.In the event of a default, the lender can pursue the borrower with recourse for the outstanding amount.

如果违约，贷方可以对借款人进行有追索权的追讨未偿还的金额。

作文

In the world of finance and business, understanding various terms and their implications is crucial for making informed decisions. One such term is with recourse, which is often used in the context of loans, financing, and guarantees. To grasp its meaning, we must first explore what recourse entails. Recourse refers to the legal right to demand payment or seek compensation from a borrower or guarantor if they fail to fulfill their obligations. Therefore, when a transaction is conducted with recourse, it means that the lender has the right to pursue the borrower for repayment in case of default.To illustrate this concept, consider a scenario where a bank lends money to a small business owner to help them expand their operations. If the loan agreement is structured with recourse, the bank can claim the outstanding amount from the business owner’s personal assets if the business fails to repay the loan. This arrangement provides the bank with a safety net, as it can recover its funds even if the business goes bankrupt.On the other hand, if a loan is made without recourse, the lender's ability to recover funds is limited. In such cases, the lender can only seek repayment from the specific collateral tied to the loan, and they cannot pursue the borrower's personal assets. This difference is significant because it affects the risk profile of both the lender and the borrower. Borrowers may prefer without recourse loans as it limits their liability; however, lenders typically charge higher interest rates for these loans due to the increased risk.Understanding the implications of with recourse agreements is essential for both parties involved. For lenders, it offers a level of security, ensuring they have avenues to recover their investments. For borrowers, it emphasizes the importance of meeting their financial obligations, as failure to do so could lead to severe consequences, including the loss of personal assets.Moreover, the concept of with recourse is not limited to loans alone. It can also apply to various forms of financial transactions, such as factoring and trade credit. In factoring, for instance, a business sells its receivables to a third party with recourse. This means that if the customers do not pay their invoices, the business must buy back the unpaid invoices from the factor. This further illustrates how with recourse arrangements can create a safety mechanism for lenders while imposing additional responsibilities on borrowers.In conclusion, the term with recourse plays a vital role in financial dealings, providing a framework for understanding the responsibilities and rights of both lenders and borrowers. It serves as a reminder of the importance of fulfilling financial commitments and the potential risks involved in borrowing. As individuals and businesses navigate the complexities of finance, being well-versed in terms like with recourse can empower them to make better decisions and foster healthier financial relationships. Ultimately, knowledge is power in the world of finance, and understanding the nuances of terms such as with recourse can lead to more successful outcomes.

在金融和商业世界中，理解各种术语及其含义对于做出明智的决策至关重要。其中一个术语是with recourse，通常用于贷款、融资和担保的上下文中。要掌握其含义，我们首先需要探讨追索权的概念。追索权是指在借款人或担保人未能履行其义务时，要求付款或寻求赔偿的法律权利。因此，当交易以with recourse方式进行时，这意味着贷方有权在违约的情况下追索借款人的还款。为了说明这一概念，考虑一下银行向小企业主贷款以帮助他们扩大经营的场景。如果贷款协议是以with recourse方式结构的，银行可以从企业主的个人资产中索回未偿还的金额，如果该企业未能偿还贷款。这种安排为银行提供了安全网，因为即使企业破产，它仍可以收回资金。另一方面，如果贷款是以without recourse方式发放的，贷方的资金回收能力就会受到限制。在这种情况下，贷方只能从与贷款相关的特定抵押品中寻求偿还，而无法追索借款人的个人资产。这种差异非常重要，因为它影响了贷方和借款人的风险状况。借款人可能更倾向于选择without recourse贷款，因为这限制了他们的责任；然而，由于风险增加，贷方通常会对这些贷款收取更高的利息。理解with recourse协议的影响对双方都至关重要。对于贷方来说，它提供了一定的安全性，确保他们有途径来收回投资。对于借款人来说，它强调了履行财务义务的重要性，因为未能做到这一点可能会导致严重后果，包括失去个人资产。此外，with recourse的概念不仅限于贷款。它还可以应用于各种形式的金融交易，如保理和贸易信贷。例如，在保理中，企业将其应收账款以with recourse的方式出售给第三方。这意味着如果客户未支付发票，企业必须从保理商那里回购未支付的发票。这进一步说明了with recourse安排如何为贷方创建安全机制，同时对借款人施加额外的责任。总之，术语with recourse在金融交易中发挥着至关重要的作用，为理解贷方和借款人之间的责任和权利提供了框架。它提醒我们履行财务承诺的重要性以及借款中潜在的风险。当个人和企业在金融的复杂性中导航时，熟悉像with recourse这样的术语可以使他们能够做出更好的决策，并促进更健康的金融关系。最终，知识在金融世界中是力量，理解像with recourse这样的术语的细微差别可以导致更成功的结果。