debt-service ratio

简明释义

偿债比率

英英释义

例句

1.A high debt-service ratio indicates that a large portion of income is going towards paying off debt, which can be a warning sign for lenders.

高债务偿还比率表明收入中有很大一部分用于偿还债务，这可能是贷款机构的一个警示信号。

2.A low debt-service ratio suggests that a borrower has a better capacity to manage debt repayments.

低债务偿还比率表明借款人更有能力管理债务偿还。

3.Investors often look at the debt-service ratio when evaluating the financial health of a company.

投资者在评估公司的财务健康状况时，通常会关注债务偿还比率。

4.If your debt-service ratio is over 40%, it might be time to reconsider your financial strategy.

如果你的债务偿还比率超过40%，那么可能是时候重新考虑你的财务策略了。

5.Lenders use the debt-service ratio to determine whether to approve a loan application.

贷款机构使用债务偿还比率来决定是否批准贷款申请。

作文

Understanding the concept of debt-service ratio is crucial for both individuals and businesses when managing their finances. The debt-service ratio is a financial metric that compares an entity's debt payments to its income, providing insights into its ability to service its debt obligations. It is calculated by dividing total debt payments by total income. A higher debt-service ratio indicates that a larger portion of income is being used to pay off debts, which can be a warning sign of potential financial distress.For individuals, maintaining a healthy debt-service ratio is essential for financial stability. If a person’s debt-service ratio exceeds 40%, it may suggest that they are over-leveraged, meaning that they might struggle to meet their financial commitments. This could lead to difficulties in obtaining new credit, as lenders often view a high debt-service ratio as a risk factor. Therefore, individuals should aim to keep their debt-service ratio below this threshold to ensure they have sufficient income to cover their living expenses and savings.On the other hand, businesses also rely on the debt-service ratio to gauge their financial health. A company with a low debt-service ratio is typically seen as financially stable, as it indicates that the business generates enough revenue to cover its debt obligations comfortably. Investors and creditors closely monitor this ratio, as it can influence their decisions regarding investment and lending. If a company has a high debt-service ratio, it may face challenges in securing additional financing, as lenders may perceive it as a higher risk.Moreover, the debt-service ratio can vary significantly across different industries. For example, capital-intensive industries such as construction or manufacturing may naturally have higher debt-service ratios due to the substantial investments required for equipment and infrastructure. In contrast, service-oriented businesses may maintain lower debt-service ratios because they often have fewer fixed costs and less reliance on debt financing. Understanding these industry standards is important for stakeholders when assessing a company's financial position.In conclusion, the debt-service ratio serves as a vital indicator of financial health for both individuals and businesses. By keeping track of this ratio, one can better understand their financial situation and make informed decisions about borrowing and spending. Whether you are an individual looking to manage your personal finances or a business aiming to attract investors, paying attention to the debt-service ratio can provide valuable insights into your financial viability. By striving to maintain a healthy debt-service ratio, you can enhance your financial security and pave the way for future growth and success.

理解债务服务比率的概念对个人和企业在管理财务时至关重要。债务服务比率是一个财务指标，它将一个实体的债务支付与其收入进行比较，从而提供其偿还债务能力的见解。它通过将总债务支付额除以总收入来计算。较高的债务服务比率表明更大比例的收入被用于偿还债务，这可能是潜在财务困境的警告信号。对于个人来说，保持健康的债务服务比率对于财务稳定至关重要。如果一个人的债务服务比率超过40%，这可能表明他们负债过多，意味着他们可能难以履行财务义务。这可能导致获得新信贷的困难，因为贷款人通常将高债务服务比率视为风险因素。因此，个人应努力将其债务服务比率保持在这一阈值以下，以确保他们有足够的收入来覆盖生活费用和储蓄。另一方面，企业也依赖于债务服务比率来评估其财务健康状况。具有低债务服务比率的公司通常被视为财务稳定，因为这表明该企业产生足够的收入来舒适地覆盖其债务义务。投资者和债权人密切关注这一比率，因为它可能影响他们的投资和贷款决策。如果一家公司具有高债务服务比率，它可能面临获得额外融资的挑战，因为贷款人可能会将其视为更高的风险。此外，不同的行业之间的债务服务比率可能差异很大。例如，建筑或制造等资本密集型行业由于对设备和基础设施的重大投资，自然可能具有更高的债务服务比率。相比之下，服务导向的企业可能维持较低的债务服务比率，因为它们通常固定成本较少，对债务融资的依赖较小。了解这些行业标准对于利益相关者在评估公司的财务状况时非常重要。总之，债务服务比率作为个人和企业财务健康的重要指标。通过跟踪这一比率，可以更好地理解自己的财务状况，并就借款和支出做出明智的决定。无论您是希望管理个人财务的个人，还是希望吸引投资者的企业，关注债务服务比率都可以为您的财务可行性提供宝贵的见解。通过努力保持健康的债务服务比率，您可以增强财务安全，为未来的增长和成功铺平道路。