preferred creditor

简明释义

优先债权人

英英释义

例句

1.When a company liquidates its assets, preferred creditors 优先债权人 will be paid before other unsecured creditors.

当一家公司清算其资产时，优先债权人 preferred creditors 将在其他无担保债权人之前获得偿付。

2.In the event of bankruptcy, the government often acts as a preferred creditor 优先债权人 and gets paid first.

在破产事件中，政府通常作为一个优先债权人 preferred creditor 先行获得偿付。

3.The bank is considered a preferred creditor 优先债权人 because of its secured loans.

由于其担保贷款，银行被视为一个优先债权人 preferred creditor。

4.Employees may also be classified as preferred creditors 优先债权人 for unpaid wages.

员工也可能被归类为优先债权人 preferred creditors，以获取未支付的工资。

5.In many jurisdictions, tax authorities are treated as preferred creditors 优先债权人 during insolvency proceedings.

在许多司法管辖区，税务机关在破产程序中被视为优先债权人 preferred creditors。

作文

In the world of finance, the term preferred creditor refers to a creditor who is given priority over other creditors in the event of liquidation or bankruptcy. This status is crucial because it determines the order in which debts are paid when a company or individual is unable to meet their financial obligations. Understanding the role of a preferred creditor is essential for investors, business owners, and anyone involved in lending or borrowing money. A preferred creditor typically has a legal right to receive payment before others. For instance, secured creditors, such as banks that hold collateral against loans, often fall into this category. They are prioritized over unsecured creditors, who do not have any collateral backing their loans. This distinction is vital because it impacts the likelihood of recovering funds in a default situation. The status of being a preferred creditor can also arise from specific agreements or contracts that outline the terms of repayment. For example, suppliers might negotiate terms that grant them priority in the event of a company's insolvency. This gives them a better chance of recouping their losses compared to other creditors. In many jurisdictions, laws governing bankruptcy establish the hierarchy of creditors. Preferred creditors often include tax authorities and employees owed wages. These groups are prioritized because of their critical roles in society and the economy. Employees, for example, rely on their wages for their livelihood, while tax authorities ensure that government services can continue to function. The implications of being a preferred creditor extend beyond just the recovery of funds. It can influence negotiations and relationships within the business community. Companies that maintain good relationships with their preferred creditors may find it easier to secure financing in the future. Lenders are often more willing to extend credit to businesses that demonstrate a commitment to honoring their obligations to preferred creditors. Moreover, understanding the concept of preferred creditor status can help individuals and businesses make informed decisions about risk management. By recognizing which debts are secured and which are unsecured, they can develop strategies to protect their interests. For instance, a business might prioritize paying off its preferred creditors first to avoid damaging relationships or facing legal repercussions. In conclusion, the concept of preferred creditor plays a significant role in the financial landscape. It determines the order of debt repayment and influences the dynamics between borrowers and lenders. By understanding this term, individuals and businesses can navigate their financial responsibilities more effectively. Whether you are an investor assessing risk or a business owner managing cash flow, recognizing the importance of preferred creditors is essential for maintaining financial health and stability.

在金融世界中，术语优先债权人指的是在清算或破产时，享有比其他债权人更高优先权的债权人。这种地位至关重要，因为它决定了在公司或个人无法履行财务义务时，债务的偿还顺序。理解优先债权人的角色对投资者、企业主以及任何参与借贷的人来说都是必不可少的。优先债权人通常拥有在其他债权人之前获得偿还的法律权利。例如，拥有抵押品作为贷款担保的银行等担保债权人，通常属于这一类别。他们在偿还顺序上优先于没有任何抵押品的无担保债权人。这种区分至关重要，因为它影响到在违约情况下追回资金的可能性。成为优先债权人的地位也可以通过特定协议或合同来产生，这些协议或合同概述了偿还条款。例如，供应商可能会谈判出在公司破产时给予他们优先权的条款。这使得他们相比其他债权人更有可能收回损失。在许多法域中，破产法律规定了债权人的等级。优先债权人通常包括税务机关和欠薪的员工。这些群体之所以被优先考虑，是因为他们在社会和经济中扮演着关键角色。例如，员工依赖工资维持生计，而税务机关则确保政府服务能够继续运作。成为优先债权人的影响超出了仅仅是资金回收。它可以影响商业社区内的谈判和关系。与其优先债权人保持良好关系的公司，未来可能更容易获得融资。贷方通常更愿意向那些表现出承诺履行对优先债权人义务的企业提供信贷。此外，理解优先债权人的概念可以帮助个人和企业做出明智的风险管理决策。通过识别哪些债务是有担保的，哪些是无担保的，他们可以制定保护自身利益的策略。例如，一家公司可能会优先偿还其优先债权人，以避免损害关系或面临法律后果。总之，优先债权人的概念在金融领域中发挥着重要作用。它决定了债务偿还的顺序，并影响借贷双方之间的动态。通过理解这个术语，个人和企业可以更有效地应对财务责任。无论你是评估风险的投资者，还是管理现金流的企业主，认识到优先债权人的重要性对于维护财务健康和稳定至关重要。