商務(wù)英語(yǔ)閱讀金融貸款
Business lending is an important part of banking becauseit providessmall to medium sized businesses the opportunity to growquickercompared to self-financing. Lending to businesses is a lotmorecomplicated than lending to an individual, because there are manyvariablesthat can affect the way a business develops. For example, apersonal home loanhas two main variables? The first is the borrower'sability to repay the loanand the second is the market value of theproperty. However, business is affectedby supply and demand factors,the business management team, revenue,depreciation, taxes, loaninterest, employee expenses, etc. Too much or toolittle of any onething can be a problem? Business lending is essentiallyconducted inthe same way as loans to individuals. Often referred to as abusinesscredit line, these short-term financing facilities come in a numberofdifferent forms. Some of which include bills of exchange, lettersofguarantee, etc.
商業(yè)貸款是銀行業(yè)務(wù)的重要組成部分，因?yàn)樗鼮榇笾行推髽I(yè)提供了相對(duì)自籌資金而言使企業(yè)更快發(fā)展的機(jī)會(huì)。企業(yè)貸款(商業(yè)貸款)要比個(gè)人貸款復(fù)雜得多，因?yàn)樗泻芏嗄苡绊懫髽I(yè)發(fā)展方向的`變數(shù)。例如，個(gè)人家庭貸款有兩個(gè)主要變數(shù)。首先是借款人償還貸款的能力，其次是財(cái)產(chǎn)的市值。但是企業(yè)受供需關(guān)系影響，企業(yè)管理層、收入、折舊、稅務(wù)、貸款利率、雇員費(fèi)用等。任何偏頗都會(huì)鑄成大錯(cuò)。企業(yè)貸款和個(gè)人貸款的操作方式基本相同。這些短期貸款，通常稱作商業(yè)信貸限額，它有多種形式，其中包括匯票、保函等。
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