recourse basis

简明释义

追索权基础

英英释义

例句

1.Companies often structure their financing on a recourse basis to ensure they can recover losses.

公司通常将其融资结构设定为追索权基础，以确保能够收回损失。

2.Investors prefer to invest in funds that operate on a recourse basis to minimize their risk exposure.

投资者更倾向于投资于以追索权基础运作的基金，以最小化他们的风险敞口。

3.In a recourse basis agreement, the seller retains the right to seek compensation from the buyer.

在追索权基础协议中，卖方保留向买方寻求赔偿的权利。

4.The loan was provided on a recourse basis, meaning the lender can claim the borrower's assets if they default.

这笔贷款是以追索权基础提供的，这意味着如果借款人违约，贷方可以要求借款人的资产。

5.When dealing with contracts, it is crucial to understand whether it is on a recourse basis or not.

在处理合同时，了解它是否是以追索权基础进行是至关重要的。

作文

In the world of finance and business, understanding various terms and concepts is crucial for making informed decisions. One such term that often arises in discussions about loans and credit is recourse basis. A recourse basis refers to a type of loan agreement where the lender has the right to claim the borrower's assets if they default on the loan. This means that the lender can pursue not only the collateral provided but also other personal assets of the borrower to recover the owed amount. This concept is particularly important in understanding the risks involved in borrowing and lending money.When a loan is issued on a recourse basis, it offers more security to the lender compared to a non-recourse loan. In a non-recourse loan, the lender's recovery options are limited to the collateral itself, which means that if the collateral does not cover the loan amount, the lender cannot pursue additional claims against the borrower. This makes recourse basis loans riskier for borrowers, as they must be aware that their personal finances could be at stake if they fail to repay the loan.For example, consider a small business owner who takes out a loan to expand their operations. If this loan is structured on a recourse basis, and the business fails to generate the expected revenue, the lender can seek repayment from the owner's personal assets, such as their home or savings. This adds a layer of pressure on the borrower to ensure that the business remains profitable and meets its financial obligations.On the other hand, lenders may prefer recourse basis loans because they provide a greater level of assurance that they will be able to recover their funds. This can lead to more favorable loan terms, such as lower interest rates or higher loan amounts, as lenders are willing to take on more risk when they have multiple avenues for recovery.Understanding the implications of borrowing on a recourse basis is essential for anyone considering taking out a loan. Borrowers should carefully assess their financial situation and ability to repay the loan before entering into such agreements. It is advisable to consult with financial advisors or legal experts to fully understand the potential consequences of a recourse basis loan.In conclusion, the term recourse basis plays a significant role in the financial landscape, influencing both lending practices and borrowing strategies. By comprehending this concept, individuals and businesses can make better financial decisions and avoid the pitfalls associated with defaulting on loans. As the economy continues to evolve, being informed about the terms and conditions of financial agreements will remain a vital skill for successful financial management.

在金融和商业的世界中，理解各种术语和概念对于做出明智的决策至关重要。其中一个经常出现在贷款和信用讨论中的术语是追索权基础。追索权基础指的是一种贷款协议，其中贷方有权在借款人违约时索取借款人的资产。这意味着贷方不仅可以追索提供的担保品，还可以追索借款人的其他个人资产以收回所欠款项。这个概念在理解借款和贷款的风险时尤为重要。当贷款以追索权基础发放时，与非追索贷款相比，它为贷方提供了更多的安全性。在非追索贷款中，贷方的回收选项仅限于担保品，这意味着如果担保品不足以覆盖贷款金额，贷方不能对借款人提起额外索赔。这使得追索权基础贷款对借款人来说风险更高，因为他们必须意识到，如果未能偿还贷款，他们的个人财务可能会受到影响。例如，考虑一位小企业主为扩展其业务而申请贷款。如果该贷款是以追索权基础构建的，而企业未能产生预期的收入，则贷方可以寻求从业主的个人资产（如他们的房屋或储蓄）中进行偿还。这给借款人增加了一层压力，要求他们确保业务保持盈利并满足其财务义务。另一方面，贷方可能更喜欢追索权基础贷款，因为它们提供了更高的保证，使他们能够收回资金。这可能导致更有利的贷款条款，例如较低的利率或更高的贷款金额，因为贷方愿意承担更多的风险，当他们有多种回收途径时。理解以追索权基础借款的含义对于任何考虑申请贷款的人都是至关重要的。借款人应仔细评估自己的财务状况和偿还贷款的能力，然后再签订此类协议。建议咨询财务顾问或法律专家，以充分理解追索权基础贷款的潜在后果。总之，术语追索权基础在金融领域中扮演着重要角色，影响着贷款实践和借款策略。通过理解这一概念，个人和企业可以做出更好的财务决策，避免因贷款违约而带来的陷阱。随着经济的不断发展，了解金融协议的条款和条件将仍然是成功财务管理的一项重要技能。