credit crunch

credit crunch的音标为["kredɪt kruptʃ]，基本翻译为“信贷紧缩”，速记技巧为“credit（信贷）+crunch（困难）”。

Credit Crunch这个词的词源可以追溯到2008年的金融危机，它指的是信贷紧缩，即信贷供应的减少和借贷成本的上升。这个词是由credit（信贷）和crush（压倒、压紧）两个词组合而成的。

变化形式：名词形式为credit crunch，形容词形式为credit-crunching。

相关单词：

1. Credit Card：信用卡，由credit和card两个词组成，是信贷消费的主要工具。

2. Mortgage：按揭，由mort和gage两个词组成，指抵押贷款。

3. Borrowing：借贷，由borrow和ing两个词组成，指借入资金的行为。

4. Borrowed Fund：借款基金，由borrow和fund两个词组成，指通过发行债券等方式筹集资金再借给需要方使用的金融工具。

5. Credit Rating Agency：信用评级机构，由credit和rating两个词组成，负责对借款方的信用状况进行评估。

6. Credit Default Swap：信用违约掉期，由credit、default和swap三个词组成，是一种金融衍生品，用于对冲信用风险。

7. Credit Scoring：信用评分，由credit和scoring两个词组成，是对借款人的信用状况进行量化评估的一种方法。

8. Credit Cycle：信贷周期，由credit和cycle两个词组成，指信贷市场上的资金供应和需求变化所导致的周期性波动。

9. Credit Contraction：信贷紧缩，由credit和contraction两个词组成，指信贷市场的资金供应减少和借贷成本的上升。

10. Credit Expansion：信贷扩张，由credit和expansion两个词组成，指信贷市场的资金供应增加和借贷成本的下降。

常用短语：

1. credit card debt

2. mortgage crisis

3. bad debt

4. credit rating

5. overdraft

6. credit risk

7. loan default

双语例句：

1. The credit crunch has led to a surge in bad debts. (信贷紧缩导致坏账激增。)

2. The credit crunch has hit home with many people unable to repay their loans. (信贷紧缩已经让许多人无法偿还贷款。)

3. The credit crunch is affecting the mortgage market. (信贷紧缩正在影响房贷市场。)

4. The credit rating of many companies has been downgraded due to the credit crunch. (由于信贷紧缩，许多公司的信用评级被降级。)

5. Overdrafts have become a problem for many people during the credit crunch. (在信贷紧缩期间，透支已成为许多人的问题。)

6. Credit risk has become a major concern for banks during the credit crunch. (在信贷紧缩期间，信用风险已成为银行的主要关注点。)

7. Loan defaults have increased due to the impact of the credit crunch on businesses and individuals. (由于信贷紧缩对企业和个人产生影响，贷款违约现象有所增加。)

英文小作文：

标题：Credit Crunch and Its Impact on Personal Finance

In recent years, the credit crunch has become a hot topic in the financial industry and personal finance has been impacted significantly. Many people are struggling to manage their finances as they struggle to repay their loans and credit card debts. This has led to a rise in bad debts and a decrease in credit ratings, which in turn has affected the mortgage market and the overall economy.

In order to manage our personal finances during this difficult period, we need to be more careful with our spending and try to avoid taking on too much debt. We should also try to improve our credit rating by paying our bills on time and seeking out more responsible forms of borrowing, such as secured loans or overdrafts. Additionally, we should be aware of the risks associated with investing and try to avoid high-risk investments that could lead to significant losses.

Overall, the credit crunch has taught us an important lesson about the importance of managing our personal finances carefully and responsibly. We need to be aware of the risks and take appropriate measures to protect ourselves and our families from financial difficulties.