savings turnover ratio

简明释义

储蓄周转率

英英释义

例句

1.The bank reported a significant increase in its savings turnover ratio 存款周转率, indicating that customers are actively using their savings accounts.

银行报告其存款周转率 存款周转率显著增加，表明客户正在积极使用他们的储蓄账户。

2.Investors often look at the savings turnover ratio 存款周转率 to gauge the liquidity of a company's assets.

投资者通常查看存款周转率 存款周转率以评估公司的资产流动性。

3.The financial analyst explained how the savings turnover ratio 存款周转率 affects overall profitability.

金融分析师解释了存款周转率 存款周转率如何影响整体盈利能力。

4.A high savings turnover ratio 存款周转率 can be a sign of effective cash management by a business.

高存款周转率 存款周转率可能是企业有效现金管理的标志。

5.To improve their savings turnover ratio 存款周转率, the company implemented new financial strategies.

为了提高他们的存款周转率 存款周转率，公司实施了新的财务策略。

作文

The concept of the savings turnover ratio is essential in understanding how effectively savings are utilized over a specific period. This financial metric measures the frequency at which savings are converted into expenditures or investments, providing insights into an individual's or a company's financial health. In simpler terms, the savings turnover ratio indicates how often savings are 'turned over' to generate additional income or to fulfill spending needs. To illustrate, consider an individual who saves $10,000 over a year. If this person spends $5,000 during that year, their savings turnover ratio would be 0.5. This means that half of their savings were used within the year. On the other hand, if they invested the same amount in a business that yielded a return, the turnover ratio could reflect a more dynamic use of those savings. A higher savings turnover ratio suggests that savings are being actively used, potentially leading to greater wealth accumulation through investments or necessary expenses.For businesses, the savings turnover ratio can indicate operational efficiency. Companies that manage their cash flow well and reinvest their savings into productive assets tend to have a higher turnover ratio. This means they are not just sitting on their savings but are actively utilizing them to generate revenue. Conversely, a low savings turnover ratio may suggest that a company is hoarding cash rather than investing it back into its operations or growth opportunities.Understanding the savings turnover ratio can also help individuals and businesses make informed financial decisions. For example, if someone notices a declining ratio over several years, it might prompt them to reassess their spending habits or investment strategies. Similarly, a company might use this metric to evaluate whether it is making the best use of its available capital.In personal finance, maintaining a balance between saving and spending is crucial. A healthy savings turnover ratio can contribute to financial stability, allowing individuals to cover unexpected expenses while still having funds available for future investments. Financial advisors often recommend tracking this ratio to ensure that savings are not just accumulating without purpose but are instead working towards achieving financial goals.In conclusion, the savings turnover ratio serves as a vital indicator of how effectively savings are being utilized. Whether for individuals or businesses, a higher ratio typically signifies better financial management and a proactive approach to using saved resources. By monitoring this ratio, one can gain valuable insights into financial behavior and make necessary adjustments to enhance overall financial health.

“储蓄周转率”的概念对于理解储蓄在特定时期内的有效利用至关重要。这个财务指标衡量了储蓄转化为支出或投资的频率，从而提供了个人或公司财务健康状况的见解。简单来说，“储蓄周转率”表示储蓄被“周转”以产生额外收入或满足支出需求的次数。举个例子，考虑一个人在一年内储蓄了10,000美元。如果这个人在这一年中花费了5,000美元，他们的“储蓄周转率”将是0.5。这意味着他们的一半储蓄在一年内被使用。另一方面，如果他们将相同的金额投资于一个产生回报的企业，周转率可能反映出储蓄的更动态使用。较高的“储蓄周转率”表明储蓄正在被积极使用，这可能通过投资或必要支出来带来更大的财富积累。对于企业而言，“储蓄周转率”可以指示运营效率。那些良好管理现金流并将储蓄再投资于生产性资产的公司往往具有更高的周转率。这意味着它们不仅仅是坐拥储蓄，而是积极利用这些储蓄来产生收入。相反，较低的“储蓄周转率”可能表明一家公司在囤积现金，而不是将其重新投资于运营或增长机会。理解“储蓄周转率”还可以帮助个人和企业做出明智的财务决策。例如，如果某人注意到多年来该比率在下降，这可能促使他们重新评估自己的消费习惯或投资策略。同样，一家公司可能会利用这一指标来评估是否在最好地利用其可用资本。在个人理财中，保持储蓄与支出之间的平衡至关重要。健康的“储蓄周转率”可以促进财务稳定，使个人能够应对意外支出，同时仍然有资金可用于未来的投资。财务顾问通常建议跟踪这一比率，以确保储蓄不仅在无目的地积累，而是为了实现财务目标而发挥作用。总之，“储蓄周转率”作为衡量储蓄有效利用的重要指标，无论是对于个人还是企业，较高的比率通常意味着更好的财务管理和对储蓄资源的主动使用。通过监测这一比率，人们可以获得关于财务行为的宝贵见解，并进行必要的调整，以提高整体财务健康水平。