guarantor

简明释义

英[ˌɡærənˈtɔː(r)]美[ˌɡærənˈtɔːr]

n. [金融] 保证人

英英释义

单词用法

同义词

反义词

例句

1.The United Nations will act as guarantor of the peace settlement.

联合国将充当和平解决方案的保证人。

2.However, the guarantor, like the issuer of a documentary credit, is concerned not with the fact of default, but only with documents.

但是，如同跟单信用证的开证人一样，担保人仅仅处理单据，而不考察事实上是否发生了违约。

3.She also said that as China rose, the presence of the US in the region was desired as a guarantor of security.

她还表示，在中国崛起之时，美国在该地区的存在是人们渴望的一项安全保证。

4.Any Financial Indebtedness of the Borrower or the Guarantor is not paid when due nor within any originally applicable grace period.

借款人或担保人的任何金融负债到期未付或在任何原始适用宽限期内未予支付。

5.However, the guarantor, like the issuer of a documentary credit, is concerned not with the fact of default, but only with documents.

但是，如同跟单信用证的开证人一样，担保人仅仅处理单据，而不考察事实上是否发生了违约。

6.The Borrower or the Guarantor repudiates this Agreement or evidences an intention to repudiate this Agreement.

借款人或担保人否认本协议或存在否认该协议的明显意图。

7.When applying for a loan, you may need a guarantor 担保人 to secure the amount.

申请贷款时，您可能需要一个guarantor 担保人来确保金额的安全。

8.The landlord required a guarantor 担保人 before signing the lease agreement.

房东在签署租赁协议之前要求提供一个guarantor 担保人。

9.If you have no credit history, a guarantor 担保人 can help you get approved for a credit card.

如果您没有信用记录，guarantor 担保人可以帮助您获得信用卡批准。

10.My parents acted as my guarantor 担保人 when I rented my first apartment.

当我租第一个公寓时，我的父母充当了我的guarantor 担保人。

11.The bank will assess the financial stability of your guarantor 担保人 before approving the loan.

银行将在批准贷款之前评估您guarantor 担保人的财务稳定性。

作文

In today's world, where financial transactions and agreements are commonplace, the role of a guarantor (担保人) has become increasingly significant. A guarantor is an individual or entity that agrees to take responsibility for another party's obligations in case of default. This concept is prevalent in various scenarios, such as renting an apartment, applying for loans, or even signing contracts for services. Understanding the responsibilities and implications of being a guarantor is essential for anyone considering this role. When someone wants to rent a property but lacks sufficient credit history or income, landlords often require a guarantor (担保人) to ensure that the rent will be paid. The guarantor typically must have a stable income and a good credit score, providing reassurance to the landlord. This arrangement not only protects the landlord's interests but also enables tenants with limited financial backgrounds to secure housing. Moreover, in the context of loans, financial institutions frequently ask for a guarantor (担保人) when lending to individuals with poor credit histories. By having a reliable guarantor, lenders reduce their risk, knowing that they can pursue the guarantor for repayment if the borrower defaults. This system allows individuals to access funds they might otherwise be denied, fostering financial inclusion. However, being a guarantor (担保人) comes with its own set of risks and responsibilities. If the primary borrower fails to meet their obligations, the guarantor is legally bound to fulfill those commitments. This means that their credit score could be negatively impacted, and they may face financial repercussions if the debt is not settled. Therefore, it is crucial for potential guarantors to assess the reliability of the borrower before agreeing to take on this role. Furthermore, the relationship between a guarantor (担保人) and the borrower can be complex. Trust plays a vital role, as the guarantor must believe in the borrower's ability to repay their debts. It's advisable for both parties to communicate openly about expectations and responsibilities to avoid misunderstandings. A clear written agreement outlining the terms of the guarantee can also help protect the interests of both the guarantor and the borrower. In conclusion, the concept of a guarantor (担保人) is integral to many financial transactions today. While it provides opportunities for individuals to secure housing and loans, it is essential to approach this role with caution. Understanding the responsibilities involved and ensuring that trust exists between both parties can lead to successful outcomes. Whether you are considering becoming a guarantor or need one for your financial needs, it is crucial to weigh the risks and benefits carefully. Ultimately, the role of a guarantor is not just about financial backing; it is about building relationships based on trust and accountability.

在当今这个金融交易和协议普遍存在的世界里，guarantor（担保人）的角色变得越来越重要。guarantor是一个个人或实体，同意在另一方违约的情况下承担责任。这个概念在各种场景中都很普遍，比如租房、申请贷款，甚至签订服务合同。理解作为guarantor的责任和影响，对于任何考虑这个角色的人来说都是至关重要的。 当某人想要租房但缺乏足够的信用历史或收入时，房东通常会要求提供一个guarantor（担保人）以确保租金会被支付。guarantor通常必须有稳定的收入和良好的信用评分，给房东提供了保障。这种安排不仅保护了房东的利益，也使得财务背景有限的租户能够获得住房。 此外，在贷款的背景下，金融机构经常要求在借款人信用记录不佳的情况下提供guarantor（担保人）。通过拥有一个可靠的guarantor，贷款人降低了风险，因为他们知道如果借款人违约，可以追索guarantor的偿还。这一系统使个人能够获得他们可能无法获得的资金，促进了金融包容性。 然而，作为guarantor（担保人）也伴随着自身的风险和责任。如果主要借款人未能履行其义务，guarantor在法律上有义务履行这些承诺。这意味着他们的信用评分可能会受到负面影响，如果债务未能清偿，他们可能面临财务后果。因此，潜在的guarantor在同意承担这一角色之前，评估借款人的可靠性至关重要。 此外，guarantor（担保人）与借款人之间的关系可能会很复杂。信任在其中起着至关重要的作用，因为guarantor必须相信借款人能够偿还其债务。建议双方就期望和责任进行开放的沟通，以避免误解。明确的书面协议，列出担保的条款，也可以帮助保护guarantor和借款人的利益。 总之，guarantor（担保人）的概念在当今许多金融交易中是不可或缺的。虽然它为个人提供了获得住房和贷款的机会，但以谨慎的态度对待这一角色是至关重要的。理解所涉及的责任，并确保双方之间存在信任，可以导致成功的结果。无论你是考虑成为guarantor还是需要一个来满足你的财务需求，仔细权衡风险和收益都是至关重要的。最终，guarantor的角色不仅仅是财务支持；它是基于信任和责任感建立关系的过程。