marginal credit

简明释义

证票合一信用证

英英释义

例句

1.His marginal credit (边际信用) made it difficult to get approved for the mortgage.

他的marginal credit (边际信用) 使得获得抵押贷款的批准变得困难。

2.The bank offered him a loan despite his marginal credit (边际信用) history.

尽管他的marginal credit (边际信用) 记录不佳，银行还是给他提供了贷款。

3.The dealership was willing to work with buyers who had marginal credit (边际信用) histories.

这家汽车经销商愿意与拥有marginal credit (边际信用) 记录的买家合作。

4.Investors are often wary of companies with marginal credit (边际信用) ratings.

投资者通常对信用评级为marginal credit (边际信用) 的公司持谨慎态度。

5.She was able to secure a rental agreement even with her marginal credit (边际信用) score.

尽管她的信用评分是marginal credit (边际信用)，她仍然能够获得租赁协议。

作文

In the world of finance, the term marginal credit refers to the additional credit extended to borrowers who are considered to be at the lower end of the creditworthiness spectrum. These individuals or businesses may not qualify for prime lending rates due to their poor credit history or lack of sufficient collateral. However, lenders often provide marginal credit options to these borrowers in order to increase their customer base and potentially earn higher interest rates. This practice can be beneficial for both parties if managed correctly. For borrowers, obtaining marginal credit can be a lifeline. It allows them access to funds that they may need for personal expenses, business ventures, or emergency situations. For instance, a small business owner may require a loan to purchase inventory or equipment. Without access to marginal credit, they might struggle to grow their business or even keep it afloat. Furthermore, successfully managing a marginal credit loan can help borrowers improve their credit scores over time, eventually qualifying them for better financing options in the future.However, there are risks associated with marginal credit. Lenders typically charge higher interest rates to compensate for the increased risk of default. This can lead to a cycle of debt for borrowers who may already be struggling financially. If they fail to make timely payments, their credit scores can drop even further, making it even more difficult to secure loans in the future. Therefore, it is crucial for borrowers to carefully consider their financial situation and repayment capabilities before taking on marginal credit.From the lender's perspective, offering marginal credit can be a double-edged sword. While it opens up new revenue streams, it also requires diligent risk assessment and management practices. Lenders must establish clear criteria for assessing potential borrowers and ensure that they have the necessary resources to handle any defaults that may arise. Additionally, implementing educational programs for borrowers on managing debt and improving credit can help mitigate some risks associated with marginal credit lending.In conclusion, marginal credit plays a significant role in the financial landscape by providing opportunities for individuals and businesses that may otherwise be excluded from traditional lending. While it carries inherent risks for both borrowers and lenders, responsible management and clear communication can lead to positive outcomes. Understanding the implications of marginal credit is essential for anyone looking to navigate the complexities of borrowing and lending in today’s economy.

在金融领域，术语边际信用指的是向被认为处于信用worthiness光谱低端的借款人提供的额外信用。这些个人或企业可能由于其不良的信用历史或缺乏足够的抵押品而无法获得优质贷款利率。然而，贷方通常会为这些借款人提供边际信用选项，以增加他们的客户基础，并可能获得更高的利率。如果管理得当，这种做法对双方都是有利的。对于借款人来说，获得边际信用可能是一个救命稻草。它使他们能够获得可能用于个人开支、商业投资或紧急情况的资金。例如，一位小企业主可能需要贷款来购买库存或设备。如果没有获得边际信用，他们可能会难以发展业务甚至维持生计。此外，成功管理边际信用贷款可以帮助借款人随着时间的推移改善其信用评分，最终使他们有资格获得未来更好的融资选择。然而，与边际信用相关的风险也存在。贷方通常会收取更高的利率，以补偿违约的增加风险。这可能导致已经面临财务困难的借款人陷入债务循环。如果他们未能按时还款，他们的信用评分可能会进一步下降，从而使未来获得贷款变得更加困难。因此，借款人在承担边际信用之前，仔细考虑自己的财务状况和还款能力至关重要。从贷方的角度来看，提供边际信用可能是一把双刃剑。虽然它打开了新的收入来源，但它也需要谨慎的风险评估和管理实践。贷方必须建立评估潜在借款人的明确标准，并确保他们拥有处理可能出现的任何违约所需的资源。此外，为借款人实施有关管理债务和改善信用的教育项目，可以帮助减轻与边际信用贷款相关的一些风险。总之，边际信用在金融环境中发挥着重要作用，为可能被排除在传统贷款之外的个人和企业提供机会。尽管它对借款人和贷方都带来了固有的风险，但负责任的管理和清晰的沟通可以导致积极的结果。理解边际信用的含义对于任何希望在当今经济中驾驭借贷复杂性的人来说都是至关重要的。