Debt | Wikipedia audio article
Channel: wikipedia tts
Date: 2018-12-05

This is an audio version of the Wikipedia Article:
Debt


00:00:50 1 Etymology
00:02:02 2 Terms
00:02:11 2.1 Interest
00:03:56 2.2 Repayment
00:04:27 2.3 Default provisions
00:04:58 3 Types of borrowers
00:05:08 3.1 Individuals
00:07:00 3.2 Businesses
00:10:53 3.3 Governments
00:11:58 4 Assessments of creditworthiness
00:12:08 4.1 Income metrics
00:13:11 4.2 Value metrics
00:13:47 4.3 Collateral and recourse
00:14:20 4.4 Role of rating agencies
00:16:00 5 Debt markets
00:16:09 5.1 Market interest rates
00:16:18 5.2 Loans versus bonds
00:17:21 5.3 Role of central banks
00:17:52 6 Criticisms
00:20:51 7 Levels and flows
00:21:16 8 History
00:21:43 9 See also



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SUMMARY
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Debt is when something, usually money, is owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is a deferred payment, or series of payments, that is owed in the future, which is what differentiates it from an immediate purchase. The debt may be owed by sovereign state or country, local government, company, or an individual. Commercial debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. Loans, bonds, notes, and mortgages are all types of debt.  The term can also be used metaphorically to cover moral obligations and other interactions not based on economic value. For example, in Western cultures, a person who has been helped by a second person is sometimes said to owe a "debt of gratitude" to the second person.