lender
US /ˈlendər/
・UK /ˈlendə(r)/
A2 初級
n. (c.)可數名詞出借人 ； 貸方
The lender will give you money, but you will pay back more
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泡沫還是轉機？解析私人信貸正面臨的嚴峻考驗（Why Private Credit Is Facing Its Biggest Test Yet）
- It follows the collapse of subprime auto lender Tricolor and auto parts supplier First Brands last year.
在某些情況下，他們未被滿足的請求金額，比實際允許領取的金額高出百分之幾十。
- It follows the collapse of subprime auto lender Tricolor and auto parts supplier First Brands last year.
這緊接著去年次級汽車貸款公司 Tricolor 和汽車零件供應商 First Brands 的倒閉。
省錢族必看！三大策略輕鬆迎接英格蘭銀行降息潮！ (Three ways savers can ride BoE rate cut)
- Your lender will tell you if your overpayments are allowed on your loan,
如果你有追蹤抵押貸款，今天的降息可能會讓你的月領利息變少
- Your lender will tell you if your overpayments are allowed on your loan,
你的借貸者會告訴你你的借貸是否允許超額給付
如果每個國家都有債務，那債務是誰的？ (If Every Country Is in Debt - Who Owns The Debt?)
- If you are the lender who is sitting on some spare cash, on some spare money, you can loan that money, that money generates interest.
如果你是手上有閒錢、有閒餘資金的貸方，你可以把錢借出去，這筆錢會產生利息。
- If you are the lender who is sitting on some spare cash, on some spare money, you can loan that money.
如果你是手上有閒錢、有閒餘資金的貸方，你可以把錢借出去，這筆錢會產生利息。
川普竟然做了「無法想像」的事…後果真的超嚴重！ (Trump Just Did The UNTHINKABLE... It's REALLY Bad)
- So the bank can actually offer you 8% and then pay the lender a 5% interest,
銀行會拿這些錢，然後以不同種類的貸款形式提供給想借錢的人，像是抵押貸款，並向他們收取利息。
- So the bank can actually offer you 8% and then pay the lender a 5% interest.
所以銀行實際上可以提供你 8% 的利率，然後付給貸方 5% 的利息。
伊朗戰爭：能源危機加劇！川普警告以色列別攻擊石油和天然氣設施 | BBC News (Iran War: Trump warns Israel not to hit oil and gas sites as energy crisis deepens | BBC News)
- We noticed last week that the lender offering the most competitive two year fixed rate was at 3.9% within 24 hours because demand was exceeding their expectations.
我們上週注意到，提供最優惠兩年期固定利率的貸方在 24 小時內利率是 3.9%，因為需求超出了他們的預期。
- We noticed last week that the lender offering the most competitive two-year fixed rate was at 3.9 percent.
再過了 24 小時，現在兩年期固定利率是 4.6%。
美國聯準會是否正在失去獨立性？ (Is the US Central Bank Losing Its Independence?)
- A group of financiers led by JP Morgan acted as a lender of last resort to give these failing institutions enough cash to continue their operations, but this showed the clear need for a more formal centralized system to stop the same thing from happening again.
以摩根大通為首的一批金融家充當了最後貸款人的角色，為這些倒閉的機構提供了足夠的現金以繼續營運，但這也表明，顯然需要一個更加正式的中央集權制度來阻止同樣的事情再次發生。
- Morgan acted as a lender of last resort to give these failing institutions enough cash to continue their operations,
如果通脹率過高，美聯儲可以提高目標利率，這意味著人們可以通過存錢賺更多錢，而借錢則需要支付更高的費用。
「先買後付」聽起來很誘人，但背後的風險你真的有了解嗎？ (How Phantom Debt Is Haunting American Consumers)
- That's problematic because if you are a consumer who does rely on Buy Now Pay Later and who has maybe a few outstanding installments, that would go against, right, how much more leverage you can take out or how much more a lender or provider would be willing to lend you money just based on your debt-to-income ratio generally.
這就有問題了，因為如果你是一個依賴於 「先買後付」的消費者，而且可能有幾筆未償還的分期付款，
- that would go against how much more leverage you can take out or how much more a lender provider would be willing to lend you money just based on your debt-to-income ratio generally.
這就會影響到你可以拿出更多的槓桿，或者貸款提供商願意根據你的債務與收入比率借給你更多的錢。
Ray Dalio 預警！他正為 1929 年那樣的崩盤做準備？ (Ray Dalio is Preparing For A Crash Like 1929)
- but if you are a lender and if you are loaning money and you are not getting even enough returns that is above inflation rate, then what's the point of lending that money to the bank or to anyone else?
如果另一方沒有人願意把錢借給銀行和你，那麼你就無處取錢。
- Of course, that is an exaggeration and hypothetical example of how things could possibly be, but if you are a lender and if you are loaning money and you are not getting even enough returns that is above inflation rate, then what's the point of lending that money to the bank or to anyone else.
當然，這只是一個誇張和假設的例子，但如果你是貸款人，如果你貸出的錢連高於通貨膨脹率的足夠回報都得不到，那麼你把錢貸給銀行或其他人又有什麼意義呢？