debt redemption; debt service

简明释义

偿债

英英释义

例句

1.The bank offered a lower interest rate to encourage early debt redemption 债务赎回 of loans.

银行提供较低的利率以鼓励贷款的提前债务赎回 debt redemption。

2.The company was able to manage its finances effectively, allowing for timely debt redemption 债务赎回 and maintaining a good credit rating.

该公司能够有效管理其财务，及时进行债务赎回 debt redemption，并保持良好的信用评级。

3.The government announced a new policy to help citizens with their debt service 债务服务 obligations during economic downturns.

政府宣布了一项新政策，以帮助公民在经济衰退期间履行其债务服务 debt service义务。

4.Investors are often concerned about a firm's debt service 债务服务 capabilities when considering purchasing bonds.

投资者在考虑购买债券时，通常会担心公司的债务服务 debt service能力。

5.After the successful debt redemption 债务赎回, the firm was able to reinvest its profits into new projects.

在成功进行债务赎回 debt redemption后，这家公司能够将利润重新投资于新项目。

作文

Debt is a common aspect of modern finance, and understanding the concepts of debt redemption（债务赎回） and debt service（债务服务） is crucial for anyone involved in financial management or personal finance. These terms are often used interchangeably, but they represent different aspects of managing debt. Debt redemption refers to the process of repaying or buying back debt securities, such as bonds, before their maturity date. This can be done by the issuer of the debt or by investors who wish to sell their holdings. On the other hand, debt service involves the regular payments made to cover the interest and principal on a debt obligation. Understanding these two concepts is vital for effective financial planning and investment strategies.When an organization issues bonds to raise capital, it typically agrees to pay interest to bondholders at specified intervals and to repay the principal amount upon maturity. However, there may be instances where the organization opts for debt redemption to manage its financial obligations more effectively. For example, if interest rates decline significantly after the bonds are issued, the issuer may choose to redeem the bonds early and reissue new bonds at a lower interest rate. This can lead to substantial savings in interest payments over time.Conversely, debt service is a term that encapsulates the ongoing costs associated with maintaining debt. This includes not only the repayment of the principal but also the regular interest payments. For individuals, debt service could mean monthly mortgage payments, car loans, or credit card repayments. For businesses, it might involve servicing corporate bonds or bank loans. The ability to manage debt service effectively is critical to maintaining good credit ratings and ensuring long-term financial sustainability.Both debt redemption and debt service play significant roles in financial strategy. Investors must consider how these elements affect their portfolios. For instance, if an investor holds bonds that are subject to debt redemption, they need to evaluate the potential impact on their returns. Early redemption might mean missing out on future interest payments, which could alter the overall yield of their investment.Moreover, understanding debt service is essential for budgeting and cash flow management. Individuals and businesses alike must ensure they have sufficient income or revenue to meet their debt service obligations. Failure to do so can result in default, leading to severe financial repercussions, including damaged credit scores and potential bankruptcy.In conclusion, while debt redemption and debt service are distinct concepts, they are interconnected in the broader context of debt management. A thorough comprehension of both can empower individuals and organizations to make informed financial decisions, optimize their debt structures, and ultimately achieve greater financial stability. As the financial landscape continues to evolve, staying informed about these terms will remain essential for navigating the complexities of debt and investment effectively.

债务是现代金融的一个常见方面，理解债务赎回和债务服务这两个概念对任何参与财务管理或个人理财的人来说都是至关重要的。这些术语通常可以互换使用，但它们代表了管理债务的不同方面。债务赎回指的是在债务证券（如债券）到期之前偿还或回购债务的过程。这可以由债务的发行者或希望出售其持有的投资者来完成。另一方面，债务服务涉及定期支付以覆盖债务义务的利息和本金。理解这两个概念对于有效的财务规划和投资策略至关重要。当一个组织发行债券以筹集资金时，通常同意在特定间隔内向债券持有人支付利息，并在到期时偿还本金。然而，可能会出现组织选择进行债务赎回以更有效地管理其财务义务的情况。例如，如果债券发行后利率大幅下降，发行者可能选择提前赎回债券，并以较低的利率重新发行新债券。这可以在一段时间内显著节省利息支出。相反，债务服务是一个涵盖与维持债务相关的持续成本的术语。这不仅包括本金的偿还，还包括定期的利息支付。对于个人而言，债务服务可能意味着每月的抵押贷款、汽车贷款或信用卡还款。对于企业而言，这可能涉及服务公司债券或银行贷款。有效管理债务服务的能力对维持良好的信用评级和确保长期财务可持续性至关重要。债务赎回和债务服务在财务战略中都扮演着重要角色。投资者必须考虑这些因素如何影响他们的投资组合。例如，如果投资者持有受到债务赎回影响的债券，他们需要评估对回报的潜在影响。提前赎回可能意味着错过未来的利息支付，这可能会改变他们投资的整体收益。此外，理解债务服务对于预算和现金流管理至关重要。个人和企业都必须确保他们有足够的收入或收入来满足其债务服务义务。未能做到这一点可能导致违约，从而导致严重的财务后果，包括信用评分受损和潜在破产。总之，虽然债务赎回和债务服务是不同的概念，但它们在债务管理的更广泛背景下是相互关联的。对这两者的透彻理解可以使个人和组织做出明智的财务决策，优化其债务结构，并最终实现更大的财务稳定。随着金融环境的不断发展，了解这些术语将继续对有效应对债务和投资的复杂性至关重要。