Kredi
teminatsiz borclanma
İngilizce: unsecured borrowing
Türkçe Tanım
Teminatsiz borclanma, geri odemeyi garanti altina almak icin herhangi bir varligin teminat olarak gosterilmeden fon elde edilmesidir. Kredi veren, borcalinin mali durumu, gelir yaratma kapasitesi ve kredi gecmisine dayanarak kredi kullandirir. Bu borclanma sekli yuksek derecelendirmeye sahip kurumsal yapilarda yaygindir, ancak benzer teminatli tesislere gore genellikle daha yuksek faiz marji gerektirir.
English Definition
Unsecured borrowing is the act of obtaining funds without pledging any assets as collateral to guarantee repayment. The lender extends credit based on the borrower's financial standing, revenue generation capacity, and credit history. This form of borrowing is common among highly rated corporate entities, though it typically commands a spread premium over comparable secured facilities.