首页
登录
职称英语
Security is required on loans for several reasons. One of the most common is
Security is required on loans for several reasons. One of the most common is
游客
2025-06-19
21
管理
问题
Security is required on loans for several reasons. One of the most common is probably the borrower’s financial weakness. Such weakness may be indicated by several factors, including heavy obligations to creditors, poor management, and insufficient income. Borrowers in this financial condition can strengthen their credit by pledging certain assets. Having a secured loan may also be a psychological advantage for a bank. As long as the borrower has greater equity in the pledged assets than does the bank and the bank is in a preferred position and can foreclose in the event the loan a-greement is broken, the borrower has a strong incentive to repay the obligation. The length of a loan also has a bearing on whether it will be secured. As the term of the loan lengthens, the risk of non-repayment increases. Loans for purchasing real estate are nearly always secured, especially if the funds are borrowed for long periods of time, because of risk of non-repayment.
Unsecured loans are based more exclusively on the borrower’ s integrity and financial condition, expected future income, and past record of repayment. Contrary to popular belief, the largest loans and the greatest dollar volume of loans made by some banks are often granted on an unsecured basis. The largest commercial borrowers are able to borrow on an unsecured basis. Some companies are considered by banks to be prime borrowers, and in many cases they receive the most favorable interest rate. Such companies have competent management, products and services that are well accepted in the marketable, relatively stable profits, and a strong financial condition. They provide their banks with financial statements from which it is relatively easy to determine their financial condition and keep track of their progress.
Business firms are not the only ones who borrow on an unsecured basis—many individuals enjoy this privilege. Persons who own their homes, have a steady job which they have held for years, and have a record of prompt payment both at the bank and at retail stores are commonly in a position to borrow on an unsecured basis. An applicant’ s ability and willingness to pay are projected into various situations. [br] Security is required on loans so that______.
选项
A、the lending bank can enjoy higher interest receipts from the loan
B、the borrower is more willing to pay back the money
C、the funds borrowed will be repaid within a shorter period of time
D、more prime borrowers are attracted
答案
B
解析
文章第一段提到As long as the borrower…strong incentive to repay the obligation.发放贷款时银行要求借款人提供抵押是为了提高贷款的安全性,在心理上给予银行一定的安全感,一般借款人在提供抵押品之后其还款意愿会有所提高。
转载请注明原文地址:http://tihaiku.com/zcyy/4125215.html
相关试题推荐
Therearetwomaintypesofstocks:commonstockandpreferredstock.Commo
Whenthestockmarketturnsdown,holdersofcommonstockstraditionallybeg
Whenthestockmarketturnsdown,holdersofcommonstockstraditionallybeg
Whenthestockmarketturnsdown,holdersofcommonstockstraditionallybeg
Whenthestockmarketturnsdown,holdersofcommonstockstraditionallybeg
Whenthestockmarketturnsdown,holdersofcommonstockstraditionallybeg
[originaltext]It’snosecretthatthroughouthistorycommonstockhasoutp
[originaltext]It’snosecretthatthroughouthistorycommonstockhasoutp
[originaltext]It’snosecretthatthroughouthistorycommonstockhasoutp
[originaltext]M:Thepapermoneyrequiredlittleefforttocarry.Ifyouneedl
随机试题
Thefamousnovelissaid________intoChinese.A、tohavetranslatedB、tobetran
[originaltext]M:Andwhatabouttheoverheadprojector?DoyouthinkIshouldu
Whenweretheshuttleandtelescopemovedintoahigherorbit?[originaltext]
采用分类法时,可以按照固定系数在类内产品之间分配,确定系数时选用标准产品的条件有
以下不属于负载压力测试的测试指标是( )。A.并发用户数 B.查询结果正确性
从事工业、手工业所取得的收入应按照()项目计征个人所得税。A.劳务报酬所得
根据《创业板首次公开发行证券发行与承销特别规定》,以下说法错误的是( )。A.
各种运输方式内外部的各个方面的构成和联系,就是( )。 A.运输系统
“君子欲化民成俗,其必由学乎”、“古之王者,建国君民,教学为先”体现了( )的
人在每一瞬间,将心理活动选择了某些对象而忽略了另一些对象。这一特点指的是注意的(
最新回复
(
0
)