cheap credit

简明释义

低利贷款

英英释义

例句

1.With cheap credit, many people are able to buy homes they couldn't afford before.

有了廉价信贷，许多人能够购买之前无法负担的房屋。

2.Consumers are taking advantage of cheap credit to finance their purchases.

消费者正在利用廉价信贷来资助他们的购买。

3.Many businesses are expanding due to the availability of cheap credit.

许多企业因获得廉价信贷而正在扩张。

4.The government’s policy has led to an increase in cheap credit for small businesses.

政府的政策导致小企业获得廉价信贷的机会增加。

5.Investors are flocking to real estate, attracted by cheap credit rates.

投资者纷纷涌向房地产市场，受到廉价信贷利率的吸引。

作文

In recent years, the term cheap credit has become increasingly prominent in discussions about economic growth and consumer behavior. 便宜的信贷 refers to loans that are offered at lower interest rates, making it easier for individuals and businesses to borrow money. This phenomenon can have both positive and negative implications for the economy and society as a whole.On one hand, cheap credit can stimulate economic activity. When interest rates are low, consumers are more likely to take out loans for big-ticket items such as homes, cars, and appliances. This increase in consumer spending can lead to higher demand for goods and services, ultimately driving economic growth. Furthermore, businesses can benefit from cheap credit as well. Lower borrowing costs enable companies to invest in expansion, hire more employees, and innovate their products and services. This can lead to job creation and increased productivity, which are vital for a healthy economy.However, the availability of cheap credit also poses certain risks. One significant concern is that individuals may overextend themselves financially when loans are too accessible. The temptation to borrow more than one can afford can lead to a cycle of debt, where consumers find themselves struggling to make payments. This situation can be particularly damaging in times of economic downturns, where job losses may occur, leaving borrowers unable to manage their debts effectively.Moreover, cheap credit can contribute to asset bubbles in the economy. When credit is easily available, investors may flock to high-risk assets, pushing prices beyond their intrinsic values. For instance, the housing market can experience rapid price increases when mortgages are readily available at low-interest rates. If this bubble bursts, it can lead to significant financial instability, affecting not only individual borrowers but also the broader economy.Another aspect to consider is the role of financial institutions in providing cheap credit. While lower interest rates can benefit consumers, they may also impact the profitability of banks and lending institutions. If lenders are not careful in assessing borrowers' creditworthiness, they may end up with high default rates, which can jeopardize their financial stability. Therefore, while cheap credit can promote growth, it requires responsible lending practices and adequate regulatory oversight to ensure that it does not lead to systemic risks.In conclusion, cheap credit plays a complex role in the economy. It has the potential to drive growth and innovation by making borrowing more accessible to consumers and businesses. However, it also carries risks that must be managed carefully. Policymakers, financial institutions, and consumers need to work together to strike a balance between harnessing the benefits of cheap credit while mitigating its potential downsides. By doing so, we can create a more sustainable economic environment that promotes long-term growth without falling into the traps of excessive debt and financial instability.

近年来，短语便宜的信贷在关于经济增长和消费者行为的讨论中越来越突出。便宜的信贷指的是以较低利率提供的贷款，使个人和企业更容易借钱。这种现象可能对经济和社会整体产生积极和消极的影响。一方面，便宜的信贷可以刺激经济活动。当利率较低时，消费者更有可能借款购买大宗商品，如住房、汽车和电器。这种消费支出的增加可以导致对商品和服务的需求上升，从而推动经济增长。此外，企业也可以从便宜的信贷中受益。较低的借款成本使公司能够投资于扩张，雇用更多员工，并创新产品和服务。这可以导致创造就业机会和提高生产力，这对于健康的经济至关重要。然而，便宜的信贷的可获得性也带来了某些风险。一个重大关切是，当贷款过于容易获得时，个人可能会在财务上过度扩张。当借款的诱惑超过了个人的承受能力时，可能会导致债务循环，消费者发现自己难以偿还贷款。这种情况在经济衰退时期尤为严重，因为失业可能发生，导致借款人无法有效管理他们的债务。此外，便宜的信贷还可能导致经济中的资产泡沫。当信贷容易获得时，投资者可能涌向高风险资产，推动价格超出其内在价值。例如，当按揭贷款以低利率轻松获得时，房地产市场可能经历快速的价格上涨。如果这个泡沫破裂，可能导致显著的金融不稳定，影响的不仅是个人借款人，还有更广泛的经济。另一个需要考虑的方面是金融机构在提供便宜的信贷中的角色。尽管较低的利率可以使消费者受益，但它们也可能影响银行和贷款机构的盈利能力。如果贷款人在评估借款人信用worthiness时不够谨慎，可能会导致高违约率，这可能危及他们的财务稳定。因此，虽然便宜的信贷可以促进增长，但需要负责任的贷款实践和适当的监管监督，以确保它不会导致系统性风险。总之，便宜的信贷在经济中扮演着复杂的角色。它有潜力通过使消费者和企业更容易借款来推动增长和创新。然而，它也带来了必须谨慎管理的风险。政策制定者、金融机构和消费者需要共同努力，在利用便宜的信贷的好处与减轻其潜在缺点之间找到平衡。通过这样做，我们可以创造一个更可持续的经济环境，促进长期增长，而不陷入过度债务和金融不稳定的陷阱。