경제용어(29)-Economic terminolgy with hanja(29)

경제용어(29) - 회전대출(回轉貸出)- revolving facility

회전대출(回轉貸出)
回(돌아올 회), 轉(구를 전), 貸(빌릴 대), 出(날 출, 단락 척)

은행이 대출 규모와 기간을 정해두면 대출을 받는 사람이 자금의 필요에 따라 대출 기간 내에 단기어음을 발행하는 것으로, 회전신용(revolving credit)이라고도 한다. 회전대출(revolving facility)은 대출을 받는 사람이 대출금을 한꺼번에 찾지 않아도 되고, 대출을 받더라도 만기 전에 상환할 수 있고 필요하면 또 대출을 받을 수 있어 편리하다. 하지만 은행 입장에서는 고객이 언제든지 어음을 발행할 수 있는 만큼 항상 대출자금을 구비해 두어야 하기 때문에 자금 운용에 제약을 받게 된다. 따라서 은행은 회전대출에 대한 보상조로 대출 한도금액과 대출금액의 차액, 즉 미인출잔액에 대해 약정수수료를 징수한다.

 

 

Revolving facility-회전대출(回轉貸出)

A revolving loan facility is a form of credit issued by a financial institution that provides the borrower with the ability to draw down or withdraw, repay, and withdraw again. A revolving loan is considered a flexible financing tool due to its repayment and re-orrowing accommodations. It is not considered a term loan because, during an allotted period of time, the facility allows the borrower to repay the loan or take it out again. In contrast, a term loan provides a borrower with funds followed by a fixed payment schedule.

 

回*돌 회(囗-6, 5급)  回(huí)

1) 回자는 ‘돌다’(revolve)는 뜻을 나타내기 위해서 물이 소용돌이쳐 도는 모습을 본뜬 것이다. 후에 이것이 ‘돌리다’(turn) ‘돌아오다’(return) ‘횟수’(the number of times) ‘돌이키다’(turn round) 등으로 확대 사용

 

2) 둘러싸일 위(囗) + 둘러싸일 위(囗) 돌아올 회(回)자는 둘러싸일 위(○→囗)자가 두개 합쳐진 글자. 둥글고 둥그니 돌아간다는 의미. 나중에 의미를 분명히 하기위해 길게 걸을 인(廴)자가 추가되어 돌 회(廻)자가 됨.

3) 회전하는 것을 상형한 것이다. 囗+口, 두개의 원인데 하나의 주체(口)에서 밖으로 둘러(囗)서 ‘돌’고 있다. 돌아가는 것은 제자리를 만나(會)니 音은 ‘회’이다. 원주를 돌아옴은 回고, 원점에 되돌아옴은 復(복)이고, 갔다 돌아옴은 返(반)이다. 回轉(회전) 回向(회향) 回收(회수) 回避(회피)

4) 물이 일정한 곳을 중심으로 빙빙 도는 모양을 본뜬 글자

5) A depiction of one object rotating within another → *rotate*; *revolve*; *spin*; *turn/go around*
→ *pass around*; *spread* (of a fire); (of medicine/alcohol) *take effect*; *number of times*;
*encircle*; *curve*; *return*; *detour*; *cycle*. Extended meanings include *refer to* (a specialist) and *transfer* (← pass around), as well as *sumo wrestler's belt* (← encircling object).
回 may be regarded as a variant of the cognate 冎/咼 (bone circulating in its joint).

轉*구를 전(車-18, 4급) 转(zhuǎn, zhuàn)

1) 轉자는 수레바퀴가 ‘구르다’(roll)는 뜻을 나타내기 위한 글자, ‘수레 거’(車)가 의미. 專(오로지 전)은 발음. 후에 ‘옮기다’(turn)는 뜻으로 확대 사용.

2) 수레 차(車) + [오로지 전(專)] 차(車)를 손(寸)으로 끄는(叀) 것이니, ‘구르는’ 것이다. 한바퀴를 도는 것은 轉이고, 반바퀴를 도는 것은 輾(구를전)이다. 運轉(운전) 轉換(전환)

3) 수레 거/차(車)+오로지/둥글다 전(專); 수레(車)의 역할은 오로지(專) 돌아가는 것이다>구르다

4) 專 # (round and/or rotating object) + 車 vehicle → rotating/revolving wheels of a vehicle →*revolve*; *turn*; *transfer*; *convey*; *move*; *shift*; *change* (direction) → *roll (over)*;  *fall down*; *knock down*; *fall

down* (← object/person struck by a moving vehicle).

 

 

貸*빌릴 대(貝-12, 3급)  贷[dài 다이]

1) 조개 패(貝) + [대신할/세대 대(代)] 수용자가 필요로 하는 재물(貝)에 대(代)용하도록 ‘빌려주는-lend, loan’ 것이다. 신용으로 빌림은 借(차)고, 책임지고 빌림은 債(채)고, 값을 주고 빌림은 貰(세낼세)다. 賃貸(임대) 貸與(대여)

2) 조개 패(貝)+대신할/세대 대(代) 값나가는 물품(貝)을 대신해서(代) 받다>빌리다

3) 代  # alternate + 貝 commodities → alternate ownership in lending/loaning → *lend*; *loan*; *rent* → *bill*.

出*날 출(凵-5, 7급) 出(chū)

1) 出자는 산(山)이 겹쳐진 것으로 보기 쉬운데, 사실은 반지하의 움집을 가리키는 凵(감)에다 ‘발자국 지’(止)가 잘못 바뀐 屮(철)이 합쳐진 것이다. 발자국이 집밖을 향하고 있는 것을 통하여 ‘(밖으로) 나가다’(go out)는 뜻을 나타냈다.

2) 입 벌릴 감(凵) + 그칠 지(止) 날 출(出)자는 발을 나타내는 그칠 지(止)자와 아래에 집을 의미하는 모양(凵)으로 구성되어 있습니다. 즉 집(凵)에서 나오는(止) 것을 의미. 반대로 집(口)에 들어온다(夂)라는 의미로 만들어진 글자가 각(各). 뒤에 올 치(夂)자는 그칠 지(止)자를 뒤집어 놓은 글자.

3) 屮(싹철)+凵(위터진그릇감), 초목의 움(屮)이 구덩이(凵)에서 ‘나오는’것을 뜻한다. 바깥에 나타나는 것을 의미하는 동시에 안에서 쫓아내는 것도 뜻하는 것이다. 屮의 변음이다. 特出(특출) 出嫁(출가) 出現(출현) 出發(출발) 出入(출입) 出産(출산) 出生(출생) → 屈(굽을굴,다할굴,답답할굴): 尸+出→屈

4) 검다 흑(黑)+나아가다/태어나다 출(出) 검게(黑) 탄 것을 내버리다(出)>내치다

5) a small plant that forms a second pair of leaves, thrusting itself out: springing of plants << to issue; to go out; to manifest

6) 屮 # grass shoot + 土 earth → grass/bud/sprout protruding from the ground → *protrude*; *emerge*; *appear*; *go/come out* → *proceed*; *depart*; *start/leave*; *set forth*; *begin to*; *origin*; *hold/put out*; *break out*. Extended meanings from these basic ideas include *let out*; *take out*; *present* (for inspection); *turn on*; *give off*; *emit*; *express*; *submit*; *hand/send in*; *send*; *publish*; *issue*; *serve*