首逾是什么意思：中英文对比阅读

中文版

首逾是什么意思？

“首逾”这个词在金融领域，特别是在信贷和贷款业务中，是一个常见的术语。从字面上看，“首”通常指的是“第一次”，“逾”则意味着“超过”。因此，“首逾”通常指的是借款人首次未能按时偿还贷款或信用卡账单的行为。

在贷款或信用卡业务中，首逾是一个重要的指标，因为它往往能反映出借款人的还款能力和信用状况。如果借款人首次就未能按时还款，那么银行或金融机构可能会对其信用状况产生怀疑，进而采取一系列的风险管理措施，如提高利率、要求提供担保或甚至终止贷款合同。

对于借款人来说，避免首逾至关重要。因为一旦产生首逾记录，不仅会对个人信用记录造成负面影响，还可能导致未来获得贷款或信用卡的难度增加，甚至影响到个人的其他金融活动。因此，借款人应该合理规划自己的财务，确保能够按时偿还贷款，避免产生首逾记录。

英文版

What Does "First Default" Mean?

The term "first default" is a common terminology in the financial sector, especially in credit and lending businesses. Literally speaking, "first" refers to the initial occurrence, while "default" implies failure to repay. Therefore, "first default" typically refers to a borrower's failure to repay a loan or credit card bill on time for the first time.

In the context of loans or credit cards, first default serves as a crucial indicator, often reflecting a borrower's repayment ability and creditworthiness. If a borrower fails to repay on time for the very first time, banks or financial institutions may cast doubt on their creditworthiness, leading to a range of risk management measures such as higher interest rates, collateral requirements, or even termination of the loan contract.

For borrowers, avoiding first default is crucial. A first default record can not only tarnish personal credit history but also increase the difficulty of obtaining loans or credit cards in the future, potentially affecting other financial activities. Therefore, borrowers should carefully plan their finances to ensure timely repayments and avoid accumulating a first default record.