creditworthiness

/ˈkredɪtwɜːðinəs/ (bre, ipa) · /ˈkredɪtwɜːrðinəs/ (ame, ipa)

creditworthiness — 名詞

1. the quality of being someone who a bank or lender judges safe to give a loan to,

1.名詞C1
釋義

信用可靠度

銀行判定個人或公司能安全還款的程度

the quality of being someone who a bank or lender judges safe to give a loan to, usually based on past borrowing behaviour and current income.

例句

Before approving the mortgage, the bank ran a full check on Sophia's creditworthiness.

銀行核准房貸前，先全面調查了 Sophia 的信用可靠度。

collocation: check / assess + somebody's creditworthiness

Two missed car payments seriously damaged Reuben's creditworthiness for the next seven years.

Reuben 漏繳兩期車貸，接下來七年的信用可靠度都受到重創。

collocation: damage / hurt + creditworthiness

同義詞
  • credit standing

    near-synonym; used in banking reports for the same overall judgement

  • solvency

    broader — ability to pay all debts as they fall due, not just qualify for new credit

  • financial reliability

    everyday wording; less technical than 'creditworthiness'

反義詞
  • default risk

    the opposite angle — the chance the borrower fails to repay

  • insolvency

    stronger — unable to meet debts at all, not just a poor credit profile

文法句型

uncountable noun

用法筆記

Almost always uncountable. Subject of verbs like 'assess', 'check', 'damage', 'restore', 'improve'; the possessor is usually a person, household, company, or country.

常見錯誤

❌He has many creditworthinesses.
✅He has strong creditworthiness.
💡the noun is uncountable; do not pluralize it.
❌The bank checked her creditworthy.
✅The bank checked her creditworthiness.
💡'creditworthy' is the adjective; the noun form ends in -ness.