bottomry loan

简明释义

船舶抵押借款

英英释义

例句

1.Investors often look for opportunities in bottomry loans as they can yield high returns if the voyage is successful.

投资者通常寻找底押贷款的机会，因为如果航程成功，收益可能很高。

2.After securing a bottomry loan, the shipping company was able to purchase new equipment for their fleet.

在获得底押贷款后，这家航运公司能够为其船队购买新设备。

3.The terms of the bottomry loan were quite favorable, allowing the captain to sail without immediate financial pressure.

这笔底押贷款的条款相当优惠，使得船长能够在没有立即财务压力的情况下出航。

4.In times of financial distress, many maritime businesses rely on bottomry loans to maintain their operations.

在财务困境时期，许多海事企业依靠底押贷款来维持运营。

5.The shipowner secured a bottomry loan to cover the costs of repairs after the vessel suffered damage at sea.

船东获得了一笔底押贷款以支付船只在海上受损后的维修费用。

作文

In the world of maritime trade, financing has always been a crucial aspect that determines the success or failure of shipping ventures. One of the historical methods of securing funds for ships and their voyages is through a financial instrument known as a bottomry loan. A bottomry loan is a type of loan specifically designed for shipowners, allowing them to borrow money against the value of their vessel. This financial arrangement is particularly beneficial when a ship is in need of urgent repairs or when a shipowner requires additional funds to complete a voyage. The unique aspect of a bottomry loan is that it is secured by the ship itself; if the ship is lost during the voyage, the lender cannot claim repayment from the borrower. This characteristic makes bottomry loans a high-risk, high-reward financing option for both parties involved.Historically, bottomry loans date back to ancient maritime practices where traders and shipowners would seek financial assistance to cover unexpected expenses or to capitalize on lucrative opportunities. For instance, if a ship encountered a storm and required immediate repairs to prevent further damage, the owner might turn to a bottomry loan to secure the necessary funds quickly. The lender, understanding the risks involved, would charge higher interest rates, reflecting the potential for loss if the ship were to sink.The significance of bottomry loans extends beyond mere financial transactions; they also highlight the trust and relationship between lenders and borrowers in the maritime industry. Shipowners often relied on established relationships with financiers who understood the risks associated with sea travel. In this context, a bottomry loan was not just a financial agreement but also a testament to the mutual trust between the parties involved.In modern times, while traditional bottomry loans may not be as prevalent due to advances in maritime insurance and financing options, the concept still holds relevance. Contemporary shipping companies may utilize similar mechanisms to raise capital for operations or emergencies, albeit under different terminologies and structures. The principles underlying bottomry loans—such as risk assessment, collateralization based on asset value, and the understanding of maritime risks—remain applicable in today’s financial landscape.Understanding bottomry loans is essential for anyone involved in maritime commerce. It provides insight into how financial instruments can evolve while retaining core principles. As global trade continues to expand, the maritime industry will likely see innovative financing solutions that echo the historical practices of bottomry loans. Therefore, recognizing the role of such loans in maritime history not only enriches our understanding of economic practices but also prepares us for future developments in shipping finance.In conclusion, a bottomry loan serves as a vital financial tool in maritime trade, providing shipowners with necessary funding while posing significant risks to lenders. Its historical significance and continued relevance in modern shipping underscore the importance of understanding this unique financial arrangement. As we navigate the complexities of maritime finance, the lessons learned from bottomry loans will undoubtedly inform our approaches to future challenges and opportunities in the industry.

在海洋贸易的世界中，融资始终是决定航运事业成功与否的关键因素之一。历史上，确保船只及其航行资金的一种方法是通过一种称为底押贷款的金融工具。底押贷款是一种专门为船东设计的贷款，允许他们以船只的价值作为抵押借款。这种金融安排在船只需要紧急维修或船东需要额外资金完成航行时尤其有利。底押贷款的独特之处在于它是以船只本身作为担保；如果船只在航行中丢失，贷款人不能向借款人索回还款。这一特征使得底押贷款成为一种高风险、高回报的融资选择。历史上，底押贷款可以追溯到古代海上贸易实践，商人和船东会寻求资金援助，以应对意外费用或抓住有利机会。例如，如果一艘船遇到风暴，需要立即维修以防止进一步损坏，船主可能会寻求底押贷款以迅速获得所需资金。贷款人了解相关风险后，会收取更高的利率，以反映如果船只沉没而可能造成的损失。底押贷款的重要性不仅仅体现在金融交易上；它们还突显了海洋行业中贷款人和借款人之间的信任关系。船东通常依赖于与理解海上旅行风险的金融家的建立关系。在这种情况下，底押贷款不仅仅是金融协议，更是双方之间相互信任的证明。在现代，虽然由于海洋保险和融资选项的进步，传统的底押贷款可能不再那么普遍，但这一概念仍然具有相关性。当代航运公司可能会利用类似机制为运营或紧急情况筹集资金，尽管在不同的术语和结构下。底押贷款背后的原理——如风险评估、基于资产价值的抵押以及对海洋风险的理解——在当今的金融环境中依然适用。理解底押贷款对于任何参与海洋商业的人来说都是至关重要的。它提供了关于金融工具如何发展而保持核心原则的洞察。随着全球贸易的不断扩大，海洋行业可能会看到类似底押贷款的创新融资解决方案。因此，认识到此类贷款在海洋历史中的作用不仅丰富了我们对经济实践的理解，也为我们准备应对未来航运融资中的挑战和机遇。总之，底押贷款作为海洋贸易中的重要金融工具，为船东提供了必要的资金，同时对贷款人构成了重大风险。其历史意义和在现代航运中的持续相关性凸显了理解这一独特金融安排的重要性。随着我们在海洋金融的复杂性中航行，从底押贷款中汲取的教训无疑将为我们应对行业未来的挑战和机遇提供指导。