maturity basis

简明释义

按到期计算

英英释义

例句

1.When assessing the risk of bonds, it’s essential to look at their performance on a maturity basis.

在评估债券的风险时，必须从到期基础来看它们的表现。

2.The bank assesses loan repayments on a maturity basis to manage its risk exposure.

银行基于到期基础评估贷款还款，以管理其风险敞口。

3.The company evaluates its investments on a maturity basis to ensure long-term profitability.

公司基于到期基础评估其投资，以确保长期盈利能力。

4.Investors often choose to compare yields on a maturity basis to make informed decisions.

投资者通常选择在到期基础上比较收益，以做出明智的决策。

5.The financial analyst prepared a report that analyzed cash flows on a maturity basis.

金融分析师准备了一份报告，分析了基于到期基础的现金流。

作文

In the world of finance and investment, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about financial products is maturity basis. The maturity basis refers to the point in time when a financial instrument, such as a bond or a loan, reaches its full term and is due for repayment. This concept is vital for investors who want to assess their potential returns and the risks associated with different financial products.When we talk about the maturity basis, it is essential to consider how it affects various types of investments. For instance, bonds are issued with specific maturity dates, which can range from short-term (a few months) to long-term (several years). The maturity basis helps investors determine when they will receive their principal back and how interest payments will be structured over the life of the bond. Understanding this aspect can significantly influence an investor's strategy, especially in a fluctuating interest rate environment.Moreover, the maturity basis is not only relevant to bonds but also to other financial instruments, such as loans and derivatives. In the case of loans, the maturity basis indicates when the borrower must repay the loan in full. This information is crucial for both lenders and borrowers, as it impacts cash flow management and financial planning. Lenders need to assess the risk of default based on the borrower's ability to repay by the maturity basis, while borrowers must plan their finances accordingly to meet these obligations.In addition to individual investments, the maturity basis plays a significant role in portfolio management. Investors often diversify their portfolios by including a mix of short-term and long-term securities. By understanding the maturity basis of each investment, they can better manage their overall risk and return profile. For example, short-term investments may provide liquidity and quick returns, while long-term investments generally offer higher yields but come with increased risk due to market fluctuations over time.Furthermore, market conditions can greatly influence the significance of the maturity basis. During periods of economic uncertainty, investors may prefer shorter maturities to mitigate risk. Conversely, in stable economic times, they might seek longer maturities for potentially higher returns. Thus, understanding the maturity basis allows investors to make strategic decisions that align with their financial goals and risk tolerance.In conclusion, the term maturity basis is a fundamental concept in finance that refers to the date when a financial instrument is due for repayment. It is crucial for assessing investment strategies, managing cash flows, and understanding market dynamics. By grasping the implications of the maturity basis, investors can make more informed decisions that enhance their financial well-being and help them achieve their investment objectives.

在金融和投资的世界中，理解各种术语对做出明智的决策至关重要。一个在讨论金融产品时经常出现的术语是到期基础。到期基础指的是金融工具（如债券或贷款）达到其完整期限并到期偿还的时间点。这个概念对于希望评估潜在回报和不同金融产品相关风险的投资者来说至关重要。当我们谈论到期基础时，有必要考虑它如何影响各种类型的投资。例如，债券是以特定的到期日发行的，期限可以从短期（几个月）到长期（几年）。到期基础帮助投资者确定何时会收回本金，以及在债券的生命周期内利息支付将如何结构化。理解这一点可以显著影响投资者的策略，尤其是在利率波动的环境中。此外，到期基础不仅与债券相关，还与其他金融工具（如贷款和衍生品）相关。在贷款的情况下，到期基础表示借款人必须全额偿还贷款的时间。这一信息对贷方和借方都至关重要，因为它影响现金流管理和财务规划。贷方需要根据借款人在到期基础之前的偿还能力来评估违约风险，而借款人则必须相应地规划其财务，以满足这些义务。除了个别投资外，到期基础在投资组合管理中也发挥着重要作用。投资者通常通过包括短期和长期证券的组合来分散他们的投资组合。通过理解每项投资的到期基础，他们可以更好地管理整体风险和回报特征。例如，短期投资可能提供流动性和快速回报，而长期投资通常提供更高的收益，但由于市场波动而面临更高的风险。此外，市场条件可以极大地影响到期基础的重要性。在经济不确定时期，投资者可能更倾向于选择短期投资以降低风险。相反，在经济稳定时期，他们可能寻求长期投资以获得潜在的更高回报。因此，理解到期基础使投资者能够做出符合其财务目标和风险承受能力的战略决策。总之，术语到期基础是金融中的一个基本概念，指的是金融工具到期偿还的日期。它对于评估投资策略、管理现金流和理解市场动态至关重要。通过掌握到期基础的含义，投资者可以做出更明智的决策，从而增强他们的财务状况，帮助他们实现投资目标。