creditworthy

简明释义

英[ˈkredɪtwɜːði]美[ˈkredɪtwɜːrði]

adj. （人或公司）信用可靠的

英英释义

单词用法

同义词

反义词

例句

1.It was initiated as a challenge to the conventional banking which rejected the poor by classifying them to be "not creditworthy".

它最初是对传统银行的拒绝了他们的贫穷分类为“无信誉的挑战”。

2.These would be jointly guaranteed by all euro-area countries and thus underwritten in particular by the most creditworthy of them.

这些债券将由所有欧元区国家共同担保，因此自然由信用等级最高的国家承担违约责任。

3.When a "rescue" is mentioned, all eyes fix on Germany, Europe's biggest economy and most creditworthy borrower.

当“营救”一被提出，所有的目光都聚焦到了德国，这个欧洲最大的经济体、最富信誉的借款人。

4.That is partly because creditworthy borrowers still have access to debt (albeit at a higher price), and partly because many firms don't have to borrow.

部分原因是信誉卓越的借贷者仍能获得债务(尽管价格攀升)，而另一部分原因是许多企业无需贷款。

5.Both countries borrow in euros, so the gap is a rough guide to how creditworthy investors consider Ireland to be.

两个国家都以欧元借债，中间的率差是投资者对爱尔兰信用风险评估的参照。

6.Because of weakened balance sheets, fewer potential borrowers are creditworthy, even if they are willing to take on more debt.

由于资产负债表的削弱，符合条件的潜在贷款者也越来越少，即使他们愿意承担更多的债务。

7.The bank assessed her financial history to determine if she was creditworthy.

银行评估了她的财务历史，以确定她是否信用良好。

8.Only creditworthy borrowers are eligible for the lowest interest rates.

只有信用良好的借款人才有资格享受最低利率。

9.To qualify for a loan, you need to prove that you are creditworthy.

要获得贷款，您需要证明自己是信用良好的。

10.The company conducted a thorough review to ensure all clients are creditworthy.

公司进行了全面审查，以确保所有客户都是信用良好的。

11.Investors prefer to work with creditworthy companies to minimize risk.

投资者更喜欢与信用良好的公司合作，以降低风险。

作文

In today's financial landscape, the term creditworthy (信用良好的) plays a crucial role in determining an individual's or a company's ability to secure loans and credit. Being creditworthy means that a person or business has a reliable history of repaying debts and managing finances responsibly. This concept is essential not only for lenders but also for borrowers who wish to maintain a healthy financial profile. When applying for a loan, lenders assess the creditworthiness of the applicant through various means. One common method is by checking their credit score, which is a numerical representation of their credit history. Factors such as payment history, credit utilization, length of credit history, types of credit used, and recent inquiries all contribute to this score. A higher score typically indicates that an individual is creditworthy, while a lower score may suggest potential risks for lenders. For businesses, being creditworthy is equally important. Companies seeking to expand operations or invest in new projects often rely on external financing. Investors and banks will thoroughly evaluate a business's financial statements, cash flow, and overall market position before granting credit. A company that demonstrates strong financial health and a history of fulfilling its obligations is more likely to be deemed creditworthy. However, achieving and maintaining creditworthiness requires diligence and responsibility. Individuals must manage their finances wisely, ensuring they pay bills on time and keep their debt levels manageable. Similarly, businesses should focus on maintaining accurate financial records and fostering good relationships with creditors. Regularly reviewing one’s credit report can also help identify any discrepancies or areas for improvement, allowing individuals and businesses to take proactive steps toward enhancing their creditworthiness. Moreover, the implications of being creditworthy extend beyond just securing loans. It can affect insurance premiums, rental agreements, and even job opportunities. Many employers now conduct credit checks as part of their hiring process, particularly for positions that involve financial responsibilities. Thus, maintaining a strong creditworthy status can open doors and create opportunities that might otherwise be unavailable. In conclusion, understanding the importance of being creditworthy (信用良好的) is essential in today’s economy. Whether you are an individual looking to buy a home or a business seeking growth, your creditworthiness significantly influences your financial options. By prioritizing responsible financial practices and regularly monitoring your credit status, you can enhance your creditworthiness and pave the way for future success. Ultimately, being creditworthy is not just about accessing credit; it is about building a solid foundation for financial stability and growth.

在今天的金融环境中，术语creditworthy（信用良好的）在确定个人或公司获得贷款和信用的能力方面发挥着至关重要的作用。成为creditworthy意味着个人或企业有可靠的还款历史和负责任的财务管理。这一概念不仅对贷方至关重要，也对希望保持健康财务状况的借款人至关重要。 在申请贷款时，贷方通过各种方式评估申请人的creditworthiness。一种常见的方法是检查他们的信用评分，这是一种对其信用历史的数字化表示。支付历史、信用利用率、信用历史长度、使用的信用类型和最近的查询等因素都会影响这一评分。较高的评分通常表明个人是creditworthy，而较低的评分可能暗示贷方面临潜在风险。 对于企业而言，成为creditworthy同样重要。寻求扩大运营或投资新项目的公司往往依赖外部融资。投资者和银行会彻底评估企业的财务报表、现金流和整体市场地位，然后才会授予信用。展示出强大财务健康状况和履行义务历史的公司更有可能被视为creditworthy。 然而，实现和维持creditworthiness需要勤奋和责任。个人必须明智地管理财务，确保按时支付账单并保持债务水平在可控范围内。同样，企业应专注于保持准确的财务记录，并与债权人建立良好的关系。定期审查个人的信用报告也可以帮助识别任何不一致之处或改进的领域，使个人和企业能够采取主动措施来提升其creditworthiness。 此外，成为creditworthy的影响不仅限于获得贷款。它还会影响保险费用、租赁协议甚至就业机会。许多雇主现在将信用检查作为招聘过程的一部分，特别是涉及财务责任的职位。因此，保持强大的creditworthy状态可以开启机会之门，创造可能否则无法获得的机会。 总之，理解成为creditworthy（信用良好的）的重要性在当今经济中至关重要。无论您是希望购买房屋的个人，还是寻求增长的企业，您的creditworthiness显著影响您的财务选择。通过优先考虑负责任的财务实践和定期监测您的信用状态，您可以提高您的creditworthiness，为未来的成功铺平道路。最终，成为creditworthy不仅仅是关于获取信用；而是关于为财务稳定和增长建立坚实基础。