金融英語閱讀：商業(yè)貸款

Business lending is an important part of banking because it provides small to medium sized businesses the opportunity to grow quicker compared to self-financing. Lending to businesses is a lot more complicated than lending to an individual, because there are many variables that can affect the way a business develops. For example, a personal home loan has two main variables? The first is the borrower's ability to repay the loan and the second is the market value of the property. However, business is affected by supply and demand factors, the business management team, revenue, depreciation, taxes, loan interest, employee expenses, etc. Too much or too little of any one thing can be a problem? Business lending is essentially conducted in the same way as loans to individuals. Often referred to as a business credit line, these short-term financing facilities come in a number of different forms. Some of which include bills of exchange, letters of guarantee, 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。