collaterals

简明释义

英[kəˈlætərəlz]美[kəˈlætərəlz]

n. 络脉；抵押品（collateral 的复数）

英英释义

单词用法

同义词

反义词

例句

1.Creation and execution of design concepts for the hotel's promotional materials, collaterals, theme decor and other items as per requirement.

根据需求，创造，执行酒店促销材料，周边产品，主题装饰和其他设计理念。

2.Increase corporate foreign debt quota to reflect companies' organic business growth and carve out offshore collaterals from the corporate foreign debt quota.

提高公司外债限额反映了公司的内生业务增长，并可从公司外债限额中开拓海外债券抵押业务。

3.Objective To study the basic law of circulation of channels and collaterals.

目的：探讨经脉循行的基本规律。

4.Objective To investigate correlation of abnormal sublingual collaterals in patients with primary hepatic carcinoma and portal venous flow alteration.

目的：探讨原发性肝癌异常舌下络脉的特征与门静脉血流动力学变化的相关性。

5.Methods Review courses of studies on Meridian and collaterals in the half century, and look up and analyze the literature.

方法：回顾半个世纪以来经络研究的历程，查阅分析文献。

6.The smooth joint, dredges the channels and collaterals, the accent smooth vitality.

滑利关节、疏通经络、调畅气血。

7.The somatic spines were found in contact with the axonal collaterals, which formed axo-somatic spine synapses.

胞体上的侧棘与轴突支接触形成轴突-胞体侧棘突触。

8.Chinese banks lend for commodity purchases with the underlying commodities as collaterals.

中资银行为大宗商品购买放款，并以该商品作为抵押。

9.Graphics, collaterals and multimedia add value to the experience.

图像、附加内容和多媒体对于体验的增值。

10.The bank requires additional collaterals 抵押物 to secure the loan.

银行要求提供额外的抵押物来确保贷款。

11.Real estate is often considered valuable collaterals 抵押物 for loans.

房地产通常被视为贷款的有价值抵押物。

12.The company used its assets as collaterals 抵押品 to secure a line of credit.

公司使用其资产作为抵押品来获得信用额度。

13.In a business deal, having strong collaterals 抵押品 can help negotiate better terms.

在商业交易中，拥有强大的抵押品可以帮助谈判更好的条款。

14.Investors often look for collaterals 担保品 when assessing the risk of a venture.

投资者在评估风险时通常会寻找担保品。

作文

In the world of finance, the term collaterals refers to assets that a borrower offers to a lender to secure a loan. This concept is crucial because it helps mitigate the risk that lenders face when they give out loans. When a borrower defaults on a loan, having collaterals allows the lender to recover some of their losses by claiming the assets pledged against the loan. Common examples of collaterals include real estate, vehicles, and other valuable possessions. The importance of collaterals cannot be overstated. For individuals seeking personal loans or mortgages, providing collaterals can significantly enhance their chances of approval. Lenders are more likely to offer favorable terms, such as lower interest rates, when they have a form of security backing the loan. This is particularly important in times of economic uncertainty when lenders are more cautious about extending credit. In business, collaterals play an equally vital role. Companies often need to borrow funds for expansion, equipment purchases, or working capital. By offering collaterals, businesses can secure loans that might otherwise be difficult to obtain. For instance, a manufacturing company might use its machinery as collaterals to secure a loan for purchasing raw materials. This not only helps in obtaining the necessary financing but also builds trust between the lender and the borrower. However, the use of collaterals comes with its own risks. Borrowers must understand that if they fail to repay the loan, they risk losing their pledged assets. This can lead to significant financial distress, especially if the collaterals are essential for the borrower’s livelihood or business operations. Therefore, it is crucial for borrowers to assess their ability to repay before agreeing to provide collaterals. Moreover, not all collaterals are created equal. Lenders typically evaluate the value and liquidity of the collaterals offered. High-value assets that can be easily sold in the market are preferred. For example, real estate is often considered a strong form of collaterals due to its substantial value and stability over time. On the other hand, assets like jewelry or collectibles may pose challenges in valuation and liquidity, making them less desirable as collaterals. In conclusion, collaterals are an essential component of the lending process, serving as a safety net for lenders while providing borrowers with access to necessary funds. Understanding the role of collaterals can empower individuals and businesses to make informed financial decisions. Whether you are looking to secure a personal loan or expand your business, being aware of the implications of collaterals can help you navigate the complexities of borrowing effectively. As the financial landscape continues to evolve, the concept of collaterals will remain a fundamental aspect of lending and borrowing practices.

在金融世界中，术语collaterals指的是借款人向贷款人提供的资产，以确保贷款。这个概念至关重要，因为它有助于减轻贷款人在发放贷款时面临的风险。当借款人违约时，拥有collaterals可以让贷款人通过索取抵押资产来弥补部分损失。常见的collaterals包括房地产、车辆和其他有价值的财产。collaterals的重要性不容小觑。对于寻求个人贷款或抵押贷款的个人来说，提供collaterals可以显著提高他们获得批准的机会。当贷款人有一种形式的担保作为贷款的保障时，他们更可能提供有利的条款，例如较低的利率。这在经济不确定时期尤为重要，因为贷款人会更加谨慎地发放信贷。在商业中，collaterals同样发挥着重要作用。公司通常需要借款用于扩展、购买设备或流动资金。通过提供collaterals，企业可以获得可能难以获得的贷款。例如，一家制造公司可能会用其机械作为collaterals来获得购买原材料的贷款。这不仅有助于获得必要的融资，还建立了贷款人和借款人之间的信任。然而，使用collaterals也存在自身的风险。借款人必须了解，如果他们未能偿还贷款，他们可能会失去所抵押的资产。这可能导致严重的财务困境，特别是如果collaterals对借款人的生计或业务运营至关重要。因此，借款人在同意提供collaterals之前，评估自己的偿还能力至关重要。此外，并非所有的collaterals都是平等的。贷款人通常会评估所提供的collaterals的价值和流动性。高价值且可以在市场上轻松出售的资产更受欢迎。例如，房地产通常被认为是强有力的collaterals，因为它的价值巨大且随着时间的推移相对稳定。另一方面，像珠宝或收藏品这样的资产在评估和流动性方面可能会面临挑战，因此作为collaterals的吸引力较小。总之，collaterals是贷款过程中不可或缺的组成部分，为贷款人提供安全网，同时为借款人提供获得必要资金的途径。理解collaterals的作用可以使个人和企业做出明智的财务决策。无论你是想获得个人贷款还是扩展业务，了解collaterals的含义都可以帮助你有效地应对借款的复杂性。随着金融环境的不断演变，collaterals的概念将始终是借贷实践中的基本方面。