fiduciary loan

基本释义

fiduciary loan 的核心义项是“信托贷款”，指贷款人基于对借款人的信任（而非抵押品）而发放的贷款。这种信任可能源于借款人的信誉、双方长期关系或借款人的特殊地位（如政府、银行等）。引申义包括“无担保贷款”和“信用贷款”，尤其在法律和金融语境中强调贷款人对借款人的信赖义务。本义强调“信任”这一基础，引申义则侧重于贷款的性质（无抵押）和风险特征。

构词与来源

fiduciary 源自拉丁语 fiduciarius，意为“信托的”，来自 fiducia（信任），最终源于 fidere（信任）。loan 源自古英语 lān，意为“借出之物”。组合后直译为“基于信任的贷款”。记忆时可联想“信托”（fiduciary duty）与“贷款”的结合，强调贷款基于信任而非抵押。

常见语境

fiduciary loan 主要用于法律、金融和学术写作中，常见于信托法、银行法规和合同文本。在商务邮件或新闻报道中，该词可能用来描述特定类型的贷款，但语气正式。日常口语中极少使用，通常代之以“unsecured loan”或“credit loan”。在学术写作中，该词强调法律和道德层面的信托责任。

语法提示

fiduciary loan 为可数名词，常用单数形式，复数形式为 fiduciary loans。常见句型包括："The bank granted a fiduciary loan to the company." 和 "Fiduciary loans are based on trust rather than collateral." 易错点：不要与“fiduciary duty”（信托义务）混淆，后者指受托人责任，而非贷款。

同义词区别

fiduciary loan 与 unsecured loan 接近，但前者强调信任关系和法律上的信托义务，后者仅强调无抵押。credit loan 更泛指信用贷款，而 fiduciary loan 更侧重法律语境。personal loan 是个人贷款，范围更广，不强调信托。在正式法律文件中，fiduciary loan 更精确。

常见误区

fiduciary loan 属于正式、专业词汇，语域较高，多见于法律和金融文本，日常交流中可能显得生硬。它通常带有中性或正面色彩，强调信任和诚信。常见误用包括将其与“secured loan”混淆，或误以为所有无担保贷款都是 fiduciary loan。实际上，fiduciary loan 特指基于信托关系的贷款，并非所有无担保贷款都如此。

搭配用法

• grant a fiduciary loan
• fiduciary loan agreement
• fiduciary loan without collateral
• fiduciary loan based on trust
• fiduciary loan default
• fiduciary loan terms

实用例句

The bank offered a fiduciary loan to the startup based on the founder's reputation.

In the absence of collateral, a fiduciary loan may be the only option for small businesses.

The court ruled that the fiduciary loan was invalid because the lender failed to disclose conflicts of interest.

Fiduciary loans are common in international development, where trust is key.

The company's fiduciary loan from the government helped it survive the crisis.

Unlike a mortgage, a fiduciary loan does not require property as security.