debt service

简明释义

偿债额

英英释义

例句

1.A high debt service 债务服务 ratio can indicate that a company is over-leveraged.

高债务服务 debt service比率可能表明公司负债过高。

2.Investors often look at a firm's debt service 债务服务 coverage ratio to assess its financial health.

投资者通常通过公司的债务服务 debt service覆盖比率来评估其财务健康状况。

3.The government announced a new plan to help citizens manage their debt service 债务服务 payments during the pandemic.

政府宣布了一项新计划，以帮助公民在疫情期间管理他们的债务服务 debt service付款。

4.The company struggled to meet its debt service 债务服务 obligations after the market downturn.

在市场下滑后，公司难以履行其债务服务 debt service的义务。

5.When applying for a loan, banks will evaluate your debt service 债务服务 history.

在申请贷款时，银行会评估你的债务服务 debt service历史记录。

作文

Debt is a common aspect of modern financial life, and understanding the concept of debt service is crucial for both individuals and businesses. Debt service refers to the cash required to cover the repayment of interest and principal on a debt for a particular period. This term is often used in the context of loans, mortgages, and bonds, where borrowers must make regular payments to fulfill their obligations. The importance of debt service cannot be overstated, as it directly impacts cash flow and financial stability.For individuals, managing debt service is essential to maintain a healthy financial status. When someone takes out a loan, they commit to a repayment schedule that includes both interest and principal payments. Failing to meet these obligations can lead to serious consequences, including damaged credit scores and potential foreclosure in the case of mortgages. Therefore, it is vital for individuals to calculate their debt service obligations before taking on new debt. This involves assessing their income, existing debts, and other financial responsibilities to ensure they can comfortably manage their repayments.On a larger scale, businesses also need to pay close attention to debt service. Companies often rely on loans to finance operations, invest in growth, or manage cash flow. The debt service coverage ratio (DSCR) is a key metric that lenders use to evaluate a company's ability to repay its debt. This ratio compares a company’s operating income to its debt service obligations. A DSCR of less than one indicates that a company does not generate enough income to cover its debt service, which could lead to financial distress and potential bankruptcy.Moreover, understanding debt service is critical when planning for future investments. Both individuals and businesses should consider how new debts will affect their overall debt service obligations. For instance, if an individual plans to take out a new mortgage while already having student loans and credit card debt, they must evaluate whether their income can sustain the increased debt service. Similarly, a business contemplating expansion through additional loans needs to project its cash flow accurately to ensure that it can meet its debt service requirements without jeopardizing its operations.In conclusion, the concept of debt service plays a pivotal role in financial management for both individuals and businesses. It is essential to understand how to calculate and manage debt service obligations to maintain financial health and avoid potential pitfalls. By being proactive and informed about debt service, individuals can make better financial decisions, while businesses can ensure sustainable growth and stability. As the saying goes, knowledge is power, and in the realm of finance, understanding debt service is a fundamental step toward achieving financial success.

债务是现代金融生活中的一个常见方面，理解“债务服务”的概念对于个人和企业都至关重要。“债务服务”是指在特定时期内用于偿还债务的利息和本金所需的现金。这个术语通常用于贷款、抵押贷款和债券的背景下，借款人必须定期支付以履行其义务。“债务服务”的重要性不容小觑，因为它直接影响现金流和财务稳定性。对于个人而言，管理“债务服务”对于维持健康的财务状况至关重要。当某人申请贷款时，他们承诺按照包括利息和本金偿还的还款计划进行还款。如果未能满足这些义务，可能会导致严重后果，包括信用评分受损以及在抵押贷款的情况下可能面临止赎。因此，在承担新债务之前，个人必须计算他们的“债务服务”义务。这涉及评估他们的收入、现有债务和其他财务责任，以确保他们能够舒适地管理还款。在更大范围内，企业也需要密切关注“债务服务”。公司通常依靠贷款来融资运营、投资增长或管理现金流。“债务服务”覆盖率（DSCR）是贷方用来评估公司偿还债务能力的关键指标。该比率将公司的经营收入与其“债务服务”义务进行比较。低于1的DSCR表明公司未能产生足够的收入来覆盖其“债务服务”，这可能导致财务困境和潜在破产。此外，理解“债务服务”在未来投资规划中至关重要。个人和企业都应该考虑新债务将如何影响他们的整体“债务服务”义务。例如，如果一个人计划在已经有学生贷款和信用卡债务的情况下申请新的抵押贷款，他们必须评估自己的收入是否能够支持增加的“债务服务”。类似地，考虑通过额外贷款扩展的企业需要准确预测其现金流，以确保能够满足其“债务服务”要求，而不会危及其运营。总之，“债务服务”的概念在个人和企业的财务管理中发挥着关键作用。理解如何计算和管理“债务服务”义务对于维持财务健康和避免潜在陷阱至关重要。通过主动和知情地了解“债务服务”，个人可以做出更好的财务决策，而企业则可以确保可持续的增长和稳定。正如谚语所说，知识就是力量，而在金融领域，理解“债务服务”是实现财务成功的基本步骤。