banker's reference

简明释义

银行资信证明

英英释义

例句

1.When starting my business, I included a banker's reference in my funding proposal.

在启动我的业务时，我在资金提案中附上了一份银行家推荐信。

2.The landlord insisted on a banker's reference to ensure I could pay the rent on time.

房东坚持要求提供一份银行家推荐信以确保我能按时支付租金。

3.To secure the mortgage, the lender required a banker's reference from my local bank.

为了获得抵押贷款，贷方要求提供一份来自我当地银行的银行家推荐信。

4.A banker's reference can help you gain credibility when applying for credit.

一份银行家推荐信可以帮助你在申请信用时获得信誉。

5.Before applying for a loan, the bank requested a banker's reference to assess my financial stability.

在申请贷款之前，银行要求提供一份银行家推荐信以评估我的财务稳定性。

作文

In the world of finance and banking, trust and reliability are paramount. One term that often arises in discussions about creditworthiness and financial assessments is banker's reference. A banker's reference is a formal document or statement provided by a bank that attests to an individual's or a business's financial standing and history. This reference can be crucial for various transactions, such as securing loans, renting properties, or establishing business partnerships.When applying for a loan, for instance, banks typically require a banker's reference to evaluate the applicant's ability to repay the borrowed amount. The reference may include information about the applicant’s account history, average balance, and any overdrafts or defaults. This information helps lenders assess the risk involved in extending credit to the applicant.Additionally, landlords often request a banker's reference when prospective tenants apply for rental properties. This allows landlords to gauge the financial stability of potential tenants, ensuring they can meet their rental obligations. In this context, the banker's reference serves as a safeguard for landlords, reducing the likelihood of late payments or defaults on rent.Businesses also utilize banker's references when entering into partnerships or contracts with other companies. For example, a company may seek a banker's reference from a potential partner to verify their financial health before committing to a joint venture. This process helps mitigate risks associated with financial instability, ensuring that all parties involved are capable of fulfilling their obligations.Obtaining a banker's reference is generally straightforward, but it does require the individual or business to have a good relationship with their bank. Banks are more likely to provide favorable references for clients who maintain healthy accounts and demonstrate responsible financial behavior. Conversely, individuals or businesses with poor banking histories may find it challenging to secure positive references.Furthermore, the importance of a banker's reference extends beyond personal finance and real estate. It plays a significant role in international trade and commerce. Companies engaged in cross-border transactions often need to present a banker's reference to establish credibility with foreign partners or suppliers. This reference assures the other party of the company's financial integrity and ability to honor payment terms.In conclusion, the concept of a banker's reference is integral to various financial transactions and relationships. It provides a reliable means for banks, landlords, and businesses to assess the financial standing of individuals and entities. As trust is a fundamental component of financial dealings, the banker's reference serves as a critical tool for fostering that trust. Understanding its significance can empower individuals and businesses to navigate the complexities of financial interactions more effectively.

在金融和银行的世界中，信任和可靠性至关重要。一个经常出现在关于信用worthiness和财务评估讨论中的术语是银行家推荐信。银行家推荐信是由银行提供的正式文件或声明，证明个人或企业的财务状况和历史。这种推荐信在各种交易中可能至关重要，例如获得贷款、租赁物业或建立商业伙伴关系。例如，在申请贷款时，银行通常要求提供银行家推荐信以评估申请人偿还借款的能力。推荐信可能包括有关申请人账户历史、平均余额以及任何透支或违约的信息。这些信息帮助贷方评估向申请人提供信贷所涉及的风险。此外，房东在潜在租户申请租赁物业时，通常会要求提供银行家推荐信。这使得房东能够评估潜在租户的财务稳定性，确保他们能够满足租金义务。在这种情况下，银行家推荐信为房东提供了一种保障，减少了租金逾期或违约的可能性。企业在与其他公司建立合作关系或合同时，也会利用银行家推荐信。例如，一家公司可能寻求潜在合作伙伴的银行家推荐信以验证其财务健康状况，然后再决定是否进行合资。这一过程有助于降低与财务不稳定相关的风险，确保所有参与方都有能力履行其义务。获得银行家推荐信通常是简单的，但确实需要个人或企业与其银行保持良好的关系。银行更有可能为维护健康账户并表现出负责任财务行为的客户提供积极的推荐信。相反，拥有糟糕银行历史的个人或企业可能会发现很难获得积极的推荐。此外，银行家推荐信的重要性超越了个人财务和房地产。它在国际贸易和商业中发挥着重要作用。参与跨境交易的公司通常需要提交银行家推荐信以建立与外国合作伙伴或供应商的信誉。这种推荐信向另一方保证公司的财务诚信和履行付款条款的能力。总之，银行家推荐信的概念对于各种金融交易和关系至关重要。它为银行、房东和企业提供了一种可靠的方式来评估个人和实体的财务状况。由于信任是金融交易的基本组成部分，银行家推荐信作为促进这种信任的关键工具。理解其重要性可以使个人和企业更有效地应对金融交互的复杂性。