guarantors

简明释义

英[ˈɡɛərəntəz]美[ˈɡɛrənˌtɔrz]

[金融] 保证人

英英释义

单词用法

同义词

反义词

例句

1.This thesis discusses on how to solve guarantee loan risk from guarantors qualifications and abilities, guarantee way and period, guarantors provision of remitting responsibility.

解决这一问题的措施包括：对个体、私营业主的贷款资格进行认定以及普遍建立贷款担保机制等。

2.Article 7 Guarantors should not provide guarantee for money-losing overseas enterprises.

第七条担保人不得为经营亏损企业提供对外担保。

3.Article 51 Where there are two or more guarantors, they shall undertake joint and several liability.

第五十一条保证人为二人以上的，保证人之间承担连带责任。

4.In China, most of loan guarantors are of default risk.

在中国，绝大多数的贷款担保人有违约风险。

5.The American International Group, Fannie Mae, Freddie Mac, General Electric and the municipal bond guarantors Ambac Financial and MBIA all had triple-A ratings.

美国国际集团、房丽美、房地美、通用电气、市立债券担保人——美国债券保险公司、MBIA都曾经拥有3A的评级。

6.Article 51 If there are two or more guarantors, the guarantors shall undertake a joint and several liability.

第五十一条保证人为二人以上的，保证人之间承担连带责任。

7.Guarantors have become the lenders of last resort to small manufacturers who increasingly are getting squeezed by tight credit as well as soaring wages and other production costs.

担保人已日益成为受到信贷紧缩、工资大幅上涨和其他生产成本激增挤压的小制造商的最后能够求助的贷款人。

8.This thesis discusses on how to solve guarantee loan risk from guarantors qualifications and abilities, guarantee way and period, guarantors provision of remitting responsibility.

解决这一问题的措施包括：对个体、私营业主的贷款资格进行认定以及普遍建立贷款担保机制等。

9.When applying for a loan, many banks require guarantors 担保人 to ensure repayment.

在申请贷款时，许多银行要求有担保人 guarantors 以确保还款。

10.If you don't have a credit history, you may need someone to act as guarantors 担保人 for your rental agreement.

如果你没有信用记录，你可能需要有人作为你的租赁协议的担保人 guarantors。

11.The landlord asked for guarantors 担保人 to sign the lease in case the tenant defaults.

房东要求有担保人 guarantors 签署租约，以防租户违约。

12.In some cases, students may need guarantors 担保人 to secure housing off-campus.

在某些情况下，学生可能需要担保人 guarantors 来确保校外住房。

13.The bank requires two guarantors 担保人 for approval of the mortgage loan.

银行要求两个担保人 guarantors 才能批准抵押贷款。

作文

In today's world, the concept of trust is essential in various aspects of life, especially in financial transactions. One term that often comes up in this context is guarantors, which refers to individuals or entities that provide a guarantee for someone else's obligations. Understanding the role of guarantors can be crucial for both lenders and borrowers alike. When a person applies for a loan, they may not always have a strong credit history or sufficient income to qualify on their own. This is where guarantors come into play. A guarantor is someone who agrees to take responsibility for the loan if the borrower defaults. By having a guarantor, lenders feel more secure in granting the loan, as they have an additional layer of assurance that the debt will be repaid. For example, consider a recent college graduate looking to rent their first apartment. Many landlords require a credit check and proof of income before signing a lease. If the graduate has limited credit history and no steady income, they might struggle to find a place to live. However, if a parent or guardian steps in as a guarantor, the landlord may feel more comfortable renting the apartment, knowing that the guarantor is financially stable and willing to cover the rent if necessary. The responsibilities of a guarantor are significant. They must understand that by signing the agreement, they are legally bound to fulfill the obligations of the borrower. This means that if the borrower fails to make payments, the guarantor will be held accountable. This situation can lead to financial strain on the guarantor, especially if the borrower is unable to pay back the loan or rent. Therefore, it is crucial for both parties to have open communication and a clear understanding of the terms involved. Moreover, being a guarantor can also impact one's credit score. If a borrower defaults on their loan, the guarantor's credit may suffer as well. This interconnectedness highlights the importance of choosing the right person to act as a guarantor. It should ideally be someone who trusts the borrower and believes in their ability to repay the loan. In conclusion, guarantors play a vital role in facilitating loans and rental agreements, providing an extra layer of security for lenders and landlords. Their presence can open doors for individuals who might otherwise face challenges in securing financing or housing. However, it is essential for both borrowers and guarantors to fully understand the implications of this arrangement. Open communication, trust, and a clear understanding of responsibilities are key to ensuring that the relationship between borrowers and guarantors remains positive and beneficial for all parties involved.

在当今世界，信任的概念在生活的各个方面都是至关重要的，尤其是在金融交易中。一个常常出现的术语是guarantors，它指的是为他人义务提供担保的个人或实体。理解guarantors的角色对于借款人和贷款人来说都至关重要。 当一个人申请贷款时，他们可能并不总是拥有强大的信用历史或足够的收入来单独获得资格。这时，guarantors就发挥了作用。guarantor是指同意在借款人违约时承担贷款责任的人。通过拥有guarantor，贷款人对批准贷款感到更加安全，因为他们有额外的保证，确保债务会得到偿还。 例如，考虑一个最近毕业的大学生，希望租住他们的第一套公寓。许多房东在签署租赁协议之前要求进行信用检查和收入证明。如果这个毕业生的信用历史有限且没有稳定的收入，他们可能会发现很难找到一个居住的地方。然而，如果父母或监护人作为guarantor介入，房东可能会更愿意出租公寓，因为知道guarantor在财务上是稳定的，并愿意在必要时支付租金。 guarantor的责任是重大的。他们必须明白，通过签署协议，他们在法律上有责任履行借款人的义务。这意味着如果借款人未能按时还款，guarantor将被追究责任。这种情况可能会给guarantor带来经济压力，特别是当借款人无法偿还贷款或租金时。因此，对于双方来说，进行开放的沟通和清晰的条款理解至关重要。 此外，成为guarantor也可能影响个人的信用评分。如果借款人违约，guarantor的信用也可能受到影响。这种相互联系突显了选择合适的人担任guarantor的重要性。理想情况下，这应该是一个信任借款人的人，并相信他们有能力偿还贷款。 总之，guarantors在促进贷款和租赁协议中发挥着至关重要的作用，为贷款人和房东提供了额外的安全保障。他们的存在可以为那些可能面临融资或住房挑战的个人打开大门。然而，借款人和guarantors都必须充分理解这种安排的含义。开放的沟通、信任和对责任的清晰理解是确保借款人与guarantors之间的关系保持积极和互利的关键。