credit risk

credit risk的音标是[ˈkredɪt ˈrɪks]，基本翻译是信用风险。速记技巧是：risk是风险的意思，credit是信用、信贷的意思，连在一起就是信用风险。

Credit risk这个词的英文词源可以追溯到拉丁语creditum，意为“信任”。这个词在英语中通常用来描述金融机构面临的风险，特别是那些与借款人信用状况有关的风险。

变化形式：在英语中，credit risk没有明显的变化形式，但它的拼写和发音可能会因上下文而异。

相关单词：

1. Default risk：这个词与credit risk密切相关，指的是借款人无法按期偿还债务的风险。

2. Reputation risk：这个词指的是由于金融机构的不良行为或失误，导致其声誉受损，进而影响其信用风险。

3. Collection risk：这个词指的是金融机构在追收逾期债务时可能面临的风险，包括法律纠纷、催收成本等。

4. Risk mitigation：这个词指的是通过各种方法降低信用风险，包括风险评估、保险、担保等。

5. Credit score：这是一个衡量个人或企业信用风险的数字评分，通常由金融机构使用来评估潜在借款人的信用风险。

以上这些单词都与credit risk密切相关，并且反映了信用风险在金融领域的重要性。

常用短语：

1. credit risk management

2. credit risk assessment

3. credit risk mitigation

4. high credit risk

5. low credit risk

6. credit risk exposure

7. credit risk control

例句：

1. We need to improve our credit risk management system to avoid future losses.

2. The company"s high credit risk rating indicates that it is not a safe investment option.

3. Low credit risk companies are generally considered to be safer options for long-term investments.

4. The credit risk control measures implemented by the company have significantly reduced its loan defaults.

5. Credit risk assessment is crucial for ensuring the financial stability of a company.

6. Mitigating credit risk requires a comprehensive approach that includes tighter loan underwriting standards.

英文小作文：

Credit Risk and Its Impact on Businesses

Credit risk is a crucial factor for any business, as it can have a significant impact on a company"s financial stability and reputation. From suppliers to customers, every aspect of a business involves some degree of credit risk, which needs to be carefully managed and assessed.

High credit risk can lead to increased default rates, which can have a negative impact on a company"s cash flow and profitability. Conversely, low credit risk can lead to increased customer loyalty and stronger relationships with suppliers, which can ultimately result in higher revenues and profits.

To mitigate credit risk, businesses need to implement effective risk management strategies that include tighter loan underwriting standards, better customer credit scoring systems, and more comprehensive credit reviews. These strategies can help businesses identify and address potential risks early on, reducing the likelihood of significant losses and ensuring the long-term success of the business.