omnibus credit

简明释义

总括放款

英英释义

例句

1.Investors were excited about the new omnibus credit facility that allowed for easier access to funds.

投资者对新的综合信贷设施感到兴奋，这使得获取资金变得更加容易。

2.The omnibus credit agreement included provisions for both personal and business loans.

该综合信贷协议包括个人和商业贷款的条款。

3.With the implementation of omnibus credit, the company could manage its finances more efficiently.

通过实施综合信贷，公司能够更有效地管理其财务。

4.The bank offered an omnibus credit to streamline the lending process for multiple clients.

银行提供了一种综合信贷，以简化多个客户的贷款流程。

5.The omnibus credit program was designed to support small businesses during economic downturns.

该综合信贷计划旨在支持小型企业度过经济低迷期。

作文

In the world of finance and economics, various terms are used to describe complex concepts that govern the way we manage money and credit. One such term is omnibus credit, which refers to a type of credit arrangement that encompasses multiple borrowers or transactions under a single agreement. This can be particularly useful for financial institutions as it allows them to streamline processes and reduce administrative burdens. The concept of omnibus credit is essential for understanding how credit can be managed efficiently in a diverse financial landscape.To elaborate on the significance of omnibus credit, consider a scenario where a bank provides loans to several small businesses. Instead of creating separate loan agreements for each business, the bank may opt for an omnibus credit arrangement. This means that all the loans are treated as one collective entity, simplifying the management of these loans. The bank can monitor the performance of the entire portfolio rather than focusing on individual loans, which can lead to better risk assessment and more effective decision-making.Moreover, omnibus credit can also facilitate easier access to funding for borrowers. By pooling together various loans, lenders can often offer better terms and conditions, such as lower interest rates or extended repayment periods. This can be particularly beneficial for small businesses that may struggle to secure financing on their own due to perceived risks. With an omnibus credit structure, these businesses can benefit from the collective strength of the group, making them more appealing to lenders.However, it is important to note that while omnibus credit arrangements can provide advantages, they also come with risks. For instance, if one borrower in the pool defaults, it can affect the entire group. Lenders must carefully assess the creditworthiness of all borrowers involved in an omnibus credit agreement to mitigate this risk. Additionally, the complexity of managing multiple borrowers under a single agreement can sometimes lead to challenges in enforcement and collection processes.In conclusion, understanding omnibus credit is crucial for both lenders and borrowers in today’s financial environment. It represents a strategic approach to credit management that can lead to increased efficiency and accessibility. As the financial landscape continues to evolve, the importance of innovative credit solutions like omnibus credit cannot be understated. By leveraging such arrangements, financial institutions can better serve their clients while also managing their risk exposure effectively. Ultimately, the successful implementation of omnibus credit can contribute to a more robust and resilient economy, benefiting all stakeholders involved.

在金融和经济的世界中，各种术语被用来描述管理资金和信用的复杂概念。其中一个术语是综合信用，它指的是一种信用安排，涵盖多个借款人或交易，并在单一协议下进行。这对于金融机构尤其有用，因为它可以简化流程并减少行政负担。理解综合信用的概念对理解如何在多样化的金融环境中有效管理信用至关重要。为了详细说明综合信用的重要性，考虑一个银行向几家小企业提供贷款的场景。银行可以选择采用综合信用安排，而不是为每个企业创建单独的贷款协议。这意味着所有贷款都作为一个集体实体进行处理，从而简化了这些贷款的管理。银行可以监控整个投资组合的表现，而不是关注单个贷款，这可以导致更好的风险评估和更有效的决策。此外，综合信用还可以为借款人提供更便捷的融资渠道。通过将各种贷款汇总，贷方通常可以提供更好的条款和条件，例如较低的利率或延长的还款期限。这对那些由于潜在风险而难以单独获得融资的小企业特别有利。通过综合信用结构，这些企业可以受益于集体的力量，使其对贷方更具吸引力。然而，需要注意的是，虽然综合信用安排可以提供优势，但它们也伴随着风险。例如，如果池中的一个借款人违约，可能会影响整个群体。贷方必须仔细评估参与综合信用协议的所有借款人的信用worthiness，以减轻这一风险。此外，在单一协议下管理多个借款人的复杂性，有时会导致执行和收款过程中的挑战。总之，了解综合信用对于当今金融环境中的贷方和借款人都是至关重要的。它代表了一种战略性的信用管理方法，可以提高效率和可获取性。随着金融环境的不断发展，像综合信用这样的创新信用解决方案的重要性不可低估。通过利用这些安排，金融机构可以更好地服务于客户，同时有效管理其风险敞口。最终，成功实施综合信用可以促进一个更加稳健和有韧性的经济，惠及所有相关利益相关者。