商务英语阅读金融贷款
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.
商业贷款是银行业务的重要组成部分，因为它为大中型企业提供了相对自筹资金而言使企业更快发展的机会。企业贷款(商业贷款)要比个人贷款复杂得多，因为它有很多能影响企业发展方向的`变数。例如，个人家庭贷款有两个主要变数。首先是借款人偿还贷款的能力，其次是财产的市值。但是企业受供需关系影响，企业管理层、收入、折旧、税务、贷款利率、雇员费用等。任何偏颇都会铸成大错。企业贷款和个人贷款的操作方式基本相同。这些短期贷款，通常称作商业信贷限额，它有多种形式，其中包括汇票、保函等。
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