金融、小贷行业里的origination(s)是什么意思，如何理解？

Origination（复数originations），具有“起始、起源”的意思。但origination在金融、银行、小贷等行业中还是一个专用术语。Investopedia对其的英文解释为：(Origination) is the multi-step process every individual must go through when obtaining a mortgage or home loan, as well as other types of personal loans.（Origination指的是借款人在获得按揭或房贷（或其他个人贷款）时需经历的多个流程。）Origination在中文里可以翻译为：贷款发放、放贷额、新增贷款。Origination是考察贷款/小贷公司业务健康状况的一个重要财务指标。参考例句：Loan originations in the first quarter of 2017 were $1.96 billion, down 1% from the fourth quarter of 2016.（2017年一季度的新增贷款额为19.6亿美元，比2016年四季度降低1%。）

参考链接：

http://www.investopedia.com/terms/o/origination.asp

https://en.wikipedia.org/wiki/Loan_origination

http://dictionary.cambridge.org/dictionary/english/origination