creditor bank

简明释义

债权银行

英英释义

例句

1.Before signing the agreement, make sure to review the terms set by the creditor bank.

在签署协议之前，请确保查看债权银行设定的条款。

2.The creditor bank requires collateral for the loan application.

该债权银行要求提供抵押品以申请贷款。

3.The creditor bank offered a lower interest rate for early repayment.

债权银行为提前还款提供了更低的利率。

4.If you default on your payments, the creditor bank has the right to seize your assets.

如果你违约，债权银行有权扣押你的资产。

5.The loan was approved by the creditor bank, which specializes in small business financing.

这笔贷款由债权银行批准，该银行专注于小企业融资。

作文

In the world of finance, various terms and concepts play a crucial role in understanding how money flows between individuals and institutions. One such term is creditor bank, which refers to a financial institution that lends money or extends credit to borrowers. This concept is essential for both individuals and businesses as it directly impacts their financial health and ability to operate effectively in the market.To grasp the significance of a creditor bank, it is important to understand its functions. A creditor bank typically provides loans, credit lines, and other forms of financing to its clients. These financial services are vital for those who require capital for various purposes, such as purchasing a home, funding a business venture, or covering unexpected expenses. The relationship between a borrower and a creditor bank is built on trust and mutual benefit, where the borrower receives the necessary funds while the bank earns interest on the loan.Moreover, the role of a creditor bank extends beyond merely providing loans. It also involves assessing the creditworthiness of potential borrowers. This assessment process is critical, as it determines whether a borrower can repay the loan on time. Factors such as credit history, income level, and existing debts are evaluated during this process. By doing so, creditor banks mitigate the risk of default, ensuring that they lend to individuals and businesses that are likely to fulfill their financial obligations.Additionally, creditor banks play a significant role in the economy by facilitating investment and consumption. When banks extend credit, they enable individuals to make large purchases, such as homes and cars, which in turn stimulates economic growth. For businesses, access to credit allows them to invest in new projects, hire employees, and expand their operations. Therefore, the health of creditor banks is often indicative of the overall economic climate.However, the relationship between borrowers and creditor banks can also be complex. In times of economic downturn, borrowers may struggle to meet their repayment obligations, leading to increased defaults. This situation can pose significant challenges for creditor banks, as high default rates can jeopardize their financial stability. Consequently, during such periods, creditor banks may tighten their lending standards, making it more difficult for potential borrowers to secure loans.Furthermore, the advent of technology has transformed the way creditor banks operate. With the rise of online banking and fintech companies, traditional banks face competition from alternative lenders that offer quicker and more accessible financing options. This shift has prompted creditor banks to innovate and adapt their services to meet the evolving needs of consumers. For instance, many banks now provide online loan applications and instant approval processes, enhancing customer convenience.In conclusion, the term creditor bank encapsulates a fundamental aspect of the financial system. These institutions not only provide essential credit but also contribute to economic growth and stability. Understanding the role of creditor banks helps individuals and businesses navigate the complexities of borrowing and lending, ultimately fostering a healthier financial environment. As we continue to witness changes in the financial landscape, the importance of creditor banks remains steadfast, highlighting their pivotal role in shaping our economy and society.

在金融世界中，各种术语和概念在理解个人与机构之间的资金流动中发挥着至关重要的作用。其中一个术语是债权银行，它指的是向借款人提供资金或扩展信用的金融机构。这个概念对于个人和企业都至关重要，因为它直接影响他们的财务健康和在市场上有效运作的能力。要理解债权银行的重要性，首先需要了解其功能。债权银行通常向客户提供贷款、信用额度和其他融资形式。这些金融服务对那些需要资金用于各种目的的人来说至关重要，例如购买房屋、资助商业投资或应对意外开支。借款人与债权银行之间的关系建立在信任和互惠互利的基础上，借款人获得所需的资金，而银行则从贷款中赚取利息。此外，债权银行的角色不仅限于提供贷款。它还涉及评估潜在借款人的信用worthiness。这个评估过程至关重要，因为它决定了借款人是否能够按时还款。在此过程中，会评估信用历史、收入水平和现有债务等因素。通过这样做，债权银行降低了违约风险，确保他们向可能履行财务义务的个人和企业放贷。此外，债权银行通过促进投资和消费在经济中也发挥着重要作用。当银行扩展信用时，它们使个人能够进行大额购买，如房屋和汽车，从而刺激经济增长。对于企业而言，获得信用使它们能够投资新项目、雇用员工和扩展业务。因此，债权银行的健康状况通常是整体经济气候的指示。然而，借款人与债权银行之间的关系也可能很复杂。在经济低迷时期，借款人可能会难以履行还款义务，导致违约率上升。这种情况可能对债权银行构成重大挑战，因为高违约率可能危及其财务稳定。因此，在这种时期，债权银行可能会收紧贷款标准，使潜在借款人更难获得贷款。此外，技术的出现改变了债权银行的运作方式。随着在线银行和金融科技公司的崛起，传统银行面临来自提供更快和更易获得融资选项的替代贷款人的竞争。这一转变促使债权银行创新并调整其服务，以满足消费者不断变化的需求。例如，许多银行现在提供在线贷款申请和即时批准流程，提高了客户便利性。总之，债权银行这一术语概括了金融体系的一个基本方面。这些机构不仅提供必要的信用，还促进经济增长和稳定。理解债权银行的角色帮助个人和企业驾驭借贷的复杂性，最终促进更健康的金融环境。随着我们继续目睹金融格局的变化，债权银行的重要性依然坚定，突显了它们在塑造我们的经济和社会中的关键作用。