bottomry loan

简明释义

船舶抵押借款船舶抵押借款

英英释义

例句

1.After assessing the situation, the bank agreed to issue a bottomry loan to the shipping company.

在评估情况后，银行同意向该航运公司发放船底贷款。

2.The shipowner secured a bottomry loan to finance the repairs after the storm damaged the vessel.

船东获得了一个船底贷款来资助在风暴后对船只的修理。

3.The terms of the bottomry loan included high interest rates, reflecting the risk taken by the lender.

该船底贷款的条款包括高利率，反映出贷方所承担的风险。

4.Investors are often hesitant to provide a bottomry loan due to the risks involved in maritime ventures.

由于海上风险，投资者通常对提供船底贷款持谨慎态度。

5.In cases of financial distress, a bottomry loan can be a lifeline for shipowners needing immediate funds.

在财务困境中，船底贷款可以成为需要立即资金的船东的救命稻草。

作文

In the world of finance and trade, various forms of loans are utilized to facilitate business operations. One such specialized loan is known as a bottomry loan, which has its origins in maritime law. A bottomry loan is a type of loan that is secured by a ship or its cargo. This means that if the ship does not return safely or if the cargo is lost at sea, the lender has no recourse to recover the loan amount from the borrower. Instead, the risk is primarily borne by the lender, making this type of financing quite unique. Historically, bottomry loans were essential for shipowners who needed immediate funds to cover operational costs, such as repairs or crew wages, especially before embarking on long voyages. The nature of maritime trade is inherently risky, with the potential for shipwrecks, piracy, or adverse weather conditions. Therefore, shipowners often sought bottomry loans to ensure their vessels could set sail without financial constraints. The terms of a bottomry loan typically include a high-interest rate, reflecting the significant risk taken by the lender. In essence, the lender is betting on the successful return of the ship and its cargo. If the voyage is successful, the shipowner repays the loan along with the agreed-upon interest. However, if disaster strikes, the lender loses their investment. This unique arrangement highlights the balance of risk and reward that is central to maritime financing. As global trade has evolved, so too have the mechanisms of financing. While bottomry loans may not be as common today due to advancements in insurance and other financial instruments, they still serve as an important historical example of how businesses have navigated risks associated with maritime trade. Modern shipping companies often rely on different types of loans and insurance policies to mitigate risks, but the fundamental principles behind a bottomry loan remain relevant. Understanding bottomry loans provides insight into the complexities of maritime finance and the evolution of trade. It illustrates how businesses have historically adapted to the uncertainties of their industries. As we look forward, it is essential to recognize the lessons learned from past financial practices, including those involving bottomry loans, as they can inform current and future strategies in managing risk and securing funding. In conclusion, a bottomry loan is not just a financial tool; it is a reflection of the dynamic relationship between risk and reward in maritime commerce. By examining its historical significance and practical applications, we gain a deeper appreciation for the innovative ways in which businesses have financed their operations throughout history. As we continue to explore the realms of finance and trade, the legacy of bottomry loans reminds us of the importance of understanding risk management in any business endeavor.

在金融和贸易的世界中，各种形式的贷款被用来促进商业运作。其中一种特殊的贷款被称为底船贷款，它起源于海事法。底船贷款是一种以船舶或其货物作为担保的贷款。这意味着如果船只没有安全返回或货物在海上丢失，贷方就无法向借款人追索贷款金额。相反，风险主要由贷方承担，这使得这种融资方式非常独特。历史上，底船贷款对于需要立即资金来支付运营成本（例如修理或船员工资）的船东至关重要，尤其是在开始长途航行之前。海上贸易的性质本身就是冒险的，可能会面临船只失事、海盗或恶劣天气等情况。因此，船东通常寻求底船贷款以确保他们的船只能够在没有财务约束的情况下出航。底船贷款的条款通常包括高利率，反映了贷方所承担的重大风险。本质上，贷方是在押注船只及其货物的成功归还。如果航程成功，船东将偿还贷款及商定的利息。然而，如果发生灾难，贷方将失去投资。这种独特的安排突显了海事融资中风险与回报之间的平衡。随着全球贸易的发展，融资机制也随之演变。虽然由于保险和其他金融工具的进步，底船贷款可能不再那么普遍，但它们仍然是企业如何应对海上贸易相关风险的重要历史例证。现代航运公司通常依赖不同类型的贷款和保险政策来减轻风险，但底船贷款背后的基本原则依然相关。理解底船贷款有助于我们深入了解海事金融的复杂性及贸易的演变。它说明了企业如何历史性地适应其行业的不确定性。展望未来，认识到从过去的金融实践中学到的教训，包括涉及底船贷款的教训，对于制定当前和未来的风险管理和融资策略至关重要。总之，底船贷款不仅仅是一种金融工具；它反映了海洋商业中风险与回报之间动态关系的本质。通过研究其历史意义和实际应用，我们对企业在历史上融资运营的创新方式有了更深刻的理解。随着我们继续探索金融和贸易的领域，底船贷款的遗产提醒我们在任何商业活动中理解风险管理的重要性。