借款担保是指有一定的担保人作保证或利用一定的财产作抵押或质押而取得的借款。如果借款不能按期归还，保证人与债务人处于同样的法律地位而无先后之分，负有连带责任，承担还债责任。
... security for interest 物权担保 security for loan 借款担保 Security for Maritime Litigation 海事诉讼保全 ...
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那便是它的资本状况务必尚需雄厚：至少有能力维持放贷、缓解冲击及有足够的信心无需国家担保获得借款。
Its capital position must remain strong: capable of at least maintaining its lending book, absorbing shocks, and commanding enough confidence to allow borrowing without state guarantees.
假设美国前五大投资银行会支付不含隐性担保的信用借款的2%。
Assume that America's top five investment Banks would pay two percentage points more on unsecured borrowings without an implicit guarantee.
这其中确有道理，贷款是以某种一旦借款方违约，仍将保留部分价值的有形资产作为担保，不过它也可能导致过度放贷。
That makes sense—the loan is secured by a tangible asset that will retain some value if the borrower defaults—but it can also lead to overlending.
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