defaulted

简明释义

英[dɪˈfɔːltɪd]美[dɪˈfɔːltɪd]

违约

在另外的可能性没有发生的情况下

原样的

默认值

英英释义

单词用法

同义词

反义词

例句

1.She defaulted on the meeting.

她没有出席会议。

2.It is why the United States has never defaulted on its obligations and never will.

这就是美国从未发生债务违约且永远不会违约的原因。

3.When I was buying defaulted loans in the '90s, I knew the opportunity would not last forever.

当我在90年代买下不能偿还的债时，我知道这个商机不会永远持续下去。

4.The Ukraine and Pakistan have also defaulted in orderly fashion.

乌克兰和巴基斯坦也曾发生过有序违约。

5.A term indicating it has defaulted on some obligations but is honoring others.

这个术语的意思是，它在某些债务上违约了，但在另外一些上面没有违约。

6.In 2001 Argentina defaulted on its foreign debts after huge bail-outs that went wrong.

2001年阿根廷财政救援失败后宣布不再偿还海外债务。

7.Similarly, Russia, which defaulted in 1998, is seeing better days.

与阿根廷类似，1998年违约的俄罗斯状况也在好转。

8.The borrower defaulted on the loan, leading to a loss for the bank.

借款人违约了贷款，导致银行损失。

9.After missing several payments, she officially defaulted on her credit card debt.

在错过几次付款后，她正式违约了她的信用卡债务。

10.The company defaulted on its bonds, causing investors to panic.

该公司违约了其债券，导致投资者恐慌。

11.If you defaulted on your student loans, it could affect your credit score.

如果你违约了学生贷款，这可能会影响你的信用评分。

12.He was worried that he might defaulted on his mortgage payment.

他担心自己可能会违约按揭付款。

作文

In today's rapidly changing financial landscape, the concept of defaulting on a loan has become increasingly prevalent. When an individual or organization fails to meet the legal obligations or conditions of a loan, they are said to have defaulted on that loan. This term carries significant implications for both the borrower and the lender, affecting credit scores, interest rates, and future borrowing potential. Understanding the reasons behind why people or companies might default can provide valuable insights into the broader economic environment. One common reason for defaulting is financial hardship. Many individuals face unexpected circumstances such as job loss, medical emergencies, or other unforeseen expenses that can strain their finances. For instance, consider a family that has taken out a mortgage to purchase their home. If one of the primary earners loses their job, the family may struggle to keep up with monthly payments, leading them to default on their mortgage. This not only jeopardizes their home but also severely impacts their credit score, making it more difficult to secure loans in the future. On a larger scale, companies can also default on their debts. Economic downturns, changes in market demand, or poor management decisions can all contribute to a company's inability to meet its financial obligations. For example, during the 2008 financial crisis, many corporations defaulted on their bonds, leading to widespread repercussions in the stock market and the economy as a whole. Investors lost confidence, and the ripple effects were felt across various sectors. The consequences of defaulting are not limited to immediate financial distress. Long-term impacts can include higher interest rates on future loans, difficulty in obtaining credit, and even legal repercussions in severe cases. Creditors may pursue collections, which can lead to court judgments against the borrower. Furthermore, once a borrower has defaulted, it can take years to rebuild their creditworthiness, a process that requires diligent financial management and time. However, not all defaults are equal. Some borrowers may be able to negotiate with lenders to restructure their debt or enter into forbearance agreements, allowing them temporary relief from payments without the stigma of a formal default. This can be particularly beneficial for those who are temporarily struggling but expect to regain their financial footing in the near future. In conclusion, the term defaulted represents a critical issue in personal and corporate finance. It highlights the importance of understanding one's financial situation and the potential consequences of failing to meet obligations. By being aware of the risks associated with borrowing and taking proactive steps to manage finances, individuals and organizations can reduce the likelihood of defaulting and protect their financial health. The key takeaway is that while defaulting can happen to anyone, it is essential to seek help and explore options before reaching that point, ensuring a more secure financial future.

在当今快速变化的金融环境中，违约贷款的概念变得越来越普遍。当个人或组织未能满足贷款的法律义务或条件时，他们被称为已违约该贷款。这个术语对借款人和贷款人都有重大影响，影响信用评分、利率和未来的借贷潜力。理解人们或公司可能违约的原因可以为更广泛的经济环境提供有价值的见解。 违约的一个常见原因是财务困难。许多人面临意外情况，例如失业、医疗紧急情况或其他不可预见的费用，这些都可能对他们的财务造成压力。例如，考虑一个家庭，他们已经贷款购买了房屋。如果主要收入者失去工作，家庭可能会难以跟上每月的付款，从而导致他们在抵押贷款上违约。这不仅危及他们的家园，还严重影响他们的信用评分，使未来获得贷款变得更加困难。 在更大范围内，公司也可能会违约其债务。经济衰退、市场需求变化或管理决策不当都可能导致公司无法履行财务义务。例如，在2008年金融危机期间，许多公司在债券上违约，导致股市和整个经济的广泛后果。投资者失去了信心，涟漪效应波及各个行业。 违约的后果不仅限于即时的财务困境。长期影响可能包括未来贷款的利率提高、获得信用的困难，甚至在严重情况下的法律后果。债权人可能会追讨欠款，这可能导致对借款人的法庭判决。此外，一旦借款人违约，重建信用状况可能需要数年时间，这一过程需要勤勉的财务管理和时间。 然而，并非所有的违约都是一样的。一些借款人可能能够与贷款人协商重组债务或进入宽限协议，允许他们暂时免除付款，而不会有正式违约的污名。这对于那些暂时挣扎但预计在不久的将来会恢复财务状况的人尤其有利。 总之，违约一词代表了个人和企业财务中的一个关键问题。它突显了理解个人财务状况及未能履行义务的潜在后果的重要性。通过意识到借贷相关的风险并采取主动措施管理财务，个人和组织可以减少违约的可能性，保护他们的财务健康。关键的启示是，虽然违约可能发生在任何人身上，但在达到这一点之前寻求帮助和探索选项至关重要，以确保更安全的财务未来。