英语翻译Term Business loansTerm loans are designed to fund long-

英语翻译
Term Business loans
Term loans are designed to fund long-and-medium-term business investments,such asthe purchase of equipment or the construction of physical facilities,covering a period longer than one year.Usually the borrowing firm applies for a lump-sum loan based on the budgeted cost of its proposed project and then pledges to repay the loan in a series of installments(often payments are made every quarter or even monthly).Thus,term loans look to the flow of future earnings of the business firm to amortize and retire the credit.The schedule of installment payments is usually structured with the borrower's normal cycle of cash inflows and outflows firmly in mind.For example,there may be"blind spots"built into the repayment schedule,so there will be no installment payments due at those times of the year when the customer is short of cash.These payments must be made up later,however,when cash is more abundant,Some term loan agreements do not call for repayment of loan principal until the end of the loan period-for example,ina "bullet loan"only interest is paid periodically,with the full principal due when the loan matures.
Term loans normally are secured by fixed assts(e.g.plant or equipment) owned by the borrower and may carry either a fixed orfloating interest rate.That rate normally is higher than on shorter-term business loans,due to the greater risk exposure to the bank form such loans.Certainly the probability of default or other adverse changes in the borrower's position is greater over the course of a long-term loan

期限工商业贷款
定期放款被设计资助长和媒介期限商业投资,例如设备购买或物理设施的建筑,长期包括期间比一年.通常借款企业申请根据它提出的项目的预算的费用的总金额贷款然后承诺回报贷款参加一系列就职(付款经常付每个四分之一甚至月度).
因此,定期放款看到商号的未来收入流程折旧和退休信用.就职付款日程表牢固地通常构造与现金流入和流出的借户的正常周期在头脑里.例如,当顾客是现金时,短小也许有"盲点"被修造入偿还债务表,那么那里将是没有就职付款付在年的那些时刻.必须付这些付款以后,然而,当现金是更加丰富的时,一些定期放款协议不要求贷款本金的偿还直到贷款的结尾期间为例子, ina “当贷款成熟时,子弹仅贷款"利息周期性地付,与充分的校长交付.
定期放款由固定的assts通常获得(即.因此,当顾客是现金时,短小定期放款看到商号的未来收入流程对amortizeexample,那里也许是"盲点"被修造入偿还债务表,那么那里将是没有就职付款付在年的那些时刻.必须付这些付款以后,然而,当现金是更加丰富的时,一些定期放款协议不要求贷款本金的偿还直到贷款的结尾期间为例子, ina “子弹仅贷款"兴趣周期性地支付,与充分的校长交付,当贷款成熟时.
定期放款由固定的assts通常获得(即. 借户或设备)拥有的植物,并且也许运载二者之一一种固定的orfloating的利率.率通常高于在短期工商业贷款,由于对银行形式的更加巨大的风险暴露这样贷款.缺省或在借户的位置上的其他有害变化的某可能性在长期贷款中是伟大