creditor

简明释义

英[ˈkredɪtə(r)]美[ˈkredɪtər]

n. 债权人，贷方

复 数 c r e d i t o r s

英英释义

单词用法

同义词

反义词

例句

1.Debt, it turns out, can be a liability for the borrower and the creditor, especially when it goes bad.

债务，可以是借款人的责任，也可以是贷款人的责任，特别是当它成为坏债时。

2.As the biggest creditor country, Germany holds the key to resolving the euro zone's sovereign-debt crisis.

德国作为最大的债权国手里握有解决欧元主权债务危机的金钥匙。

3.Lamentably, rich creditor countries, such as Germany, are doing much less.

可悲的是，那些富裕的债权国，比如德国，却做得很少。

4.Eliminate even debts where the creditor claims fraud.

甚至免除债权人主张欺诈的债务。

5.It said it was now a creditor rather than shareholder in the fund.

目前中投公司已不是该基金的股东投资者，而是债权人。

6.But now his creditor is coming to take my two boys as his slaves.

现在有债主来，要取我两个儿子作奴仆。

7.So complimenting a friend's awful haircut or telling a creditor that the check is in the mail both qualify.

比如，赞美朋友可怕的发型，或告诉债权人，还款支票已经邮出了。

8.Creditor governments, most of all Germany, face a dilemma.

债权国家，尤其是德国，处在进退两难的境地。

9.The bank is a major creditor 债权人 for many small businesses.

这家银行是许多小企业的主要债权人。

10.When you take out a loan, your creditor 债权人 will expect timely payments.

当你申请贷款时，你的债权人会期望按时还款。

11.It's important to communicate with your creditor 债权人 if you're having trouble making payments.

如果你在还款方面遇到困难，与你的债权人沟通很重要。

12.A creditor 债权人 can take legal action if debts are not repaid.

如果债务未能偿还，债权人可以采取法律行动。

13.Many creditors 债权人 offer flexible payment plans for their clients.

许多债权人为客户提供灵活的付款计划。

作文

In today's financial world, the term creditor is often used to describe an entity or individual that extends credit to another party. A creditor can be a bank, a lending institution, or even a friend who lends money. Understanding the role of a creditor is crucial for anyone looking to manage their finances effectively. Firstly, it is important to recognize the responsibilities that come with being a creditor. When someone lends money, they expect to be repaid, usually with interest. This expectation creates a legal obligation for the borrower, which can have significant implications if not fulfilled. For instance, if a person fails to repay their creditor, they may face penalties, damage to their credit score, or even legal action. Therefore, borrowers must carefully consider their ability to repay before taking on debt. Moreover, the relationship between a creditor and a borrower is often based on trust. The creditor trusts that the borrower will honor their commitment to repay the loan, while the borrower relies on the creditor to provide the necessary funds. This dynamic can influence the terms of the loan, including interest rates and repayment schedules. For example, a borrower with a strong credit history may secure more favorable terms from a creditor than someone with a poor credit record. In addition, the role of a creditor extends beyond just providing loans. They also play a crucial part in the economy by facilitating consumer spending and investment. When individuals and businesses borrow money from a creditor, they are able to make purchases or invest in growth opportunities that they might not be able to afford otherwise. This borrowing activity stimulates economic growth and can lead to job creation. However, it is essential for both creditors and borrowers to practice responsible lending and borrowing. For creditors, this means assessing the creditworthiness of potential borrowers to minimize the risk of default. They should conduct thorough background checks and evaluate the borrower's financial situation before extending credit. On the other hand, borrowers must be honest about their financial capabilities and avoid taking on more debt than they can handle. Additionally, the rise of technology has transformed the way creditors operate. Online lending platforms have made it easier for consumers to access credit, but they also require borrowers to be vigilant. Not all creditors are created equal, and some may charge exorbitant interest rates or have hidden fees. Therefore, borrowers must do their due diligence and compare different creditors before making a decision. In conclusion, the term creditor encompasses a vital aspect of the financial landscape. Whether you are a borrower or a lender, understanding the implications of this relationship is essential for maintaining financial health. By fostering trust and practicing responsible lending and borrowing, both parties can benefit from a positive financial experience. Ultimately, recognizing the role of a creditor can lead to better financial decisions and a more stable economy.

在当今的金融世界中，术语creditor通常用于描述向另一方提供信用的实体或个人。creditor可以是银行、贷款机构，甚至是借钱给朋友的人。理解creditor的角色对于任何希望有效管理财务的人来说都是至关重要的。 首先，重要的是要认识到成为creditor所承担的责任。当某人借出钱时，他们期望得到偿还，通常还会收取利息。这种期望为借款人创造了法律义务，如果未能履行，可能会带来重大影响。例如，如果一个人未能偿还他们的creditor，他们可能面临罚款、信用评分受损，甚至法律诉讼。因此，借款人在承担债务之前必须仔细考虑他们的偿还能力。 此外，creditor和借款人之间的关系通常基于信任。creditor相信借款人会履行他们的还款承诺，而借款人则依赖creditor提供必要的资金。这种动态可以影响贷款的条款，包括利率和还款计划。例如，拥有良好信用记录的借款人可能会从creditor那里获得比信用记录差的人更有利的条款。 此外，creditor的角色不仅仅是提供贷款。他们在经济中也发挥着至关重要的作用，通过促进消费者支出和投资。当个人和企业从creditor那里借钱时，他们能够进行购买或投资增长机会，这些机会可能是他们无法承担的。这种借贷活动刺激了经济增长，并可能导致就业创造。 然而，对于creditors和借款人来说，实践负责任的借贷和借款至关重要。对于creditors来说，这意味着评估潜在借款人的信用worthiness，以最小化违约风险。他们应该进行彻底的背景调查，并在提供信用之前评估借款人的财务状况。另一方面，借款人必须诚实地对待自己的财务能力，避免承担超过自己承受能力的债务。 此外，科技的崛起改变了creditors的运作方式。在线借贷平台使消费者更容易获得信用，但这也要求借款人保持警惕。并非所有的creditors都是平等的，有些可能会收取高额的利息或隐藏费用。因此，借款人必须尽职调查，比较不同的creditors，再做决定。 总之，术语creditor涵盖了金融领域的一个重要方面。无论你是借款人还是贷款人，理解这种关系的影响对于维护财务健康至关重要。通过建立信任和实践负责任的借贷和借款，双方都可以从积极的财务经验中受益。最终，认识到creditor的角色可以导致更好的财务决策和更稳定的经济。