ability to repay the loan meaning in English
偿贷能力
Examples
- Ability to repay the loan
偿贷能力 - The bank protects itself by obtaining security to cover against losses , conducting credit checks and making sure that the client has the ability to repay the loan
银行通过为其损失保险、管理信贷支票以及确保客户有能力偿还贷款来保护自身。 - The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan . a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates . in addition , credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank , as the operator of the financial products as its main business , will promptly recover the mortgaged items
储蓄期限一般较短，而按揭贷款的还款期限较长，银行长期资产与短期负债不匹配，就不能化解未来不确定性带来的风险；二是资产的流动性和期限呈反方向变动，期限越长，流动性越低，住房抵押贷款本身的特性决定了其流动性较差，因此目前各银行都严格限制贷款期限；三是风险大，由于按揭贷款是期限很长的债权资产，银行面临的利率风险就很大；另外，当客户因某种原因失去偿还能力或者认为违约产生的利益超过违约所产生的损失时，就会发生信用风险，而银行以金融产品为主要业务，即使收回抵押物，但如何处置不良资产仍是诸多银行头痛的问题。