matured principal

简明释义

到期本金

英英释义

例句

1.The financial advisor recommended diversifying investments with the matured principal.

财务顾问建议用到期本金进行投资多元化。

2.After five years, the bank released the matured principal to the account holder.

经过五年，银行将到期本金释放给了账户持有人。

3.The matured principal from the bond will be paid back at the end of the term.

债券的到期本金将在期限结束时偿还。

4.You can withdraw your matured principal without any penalties after the investment period.

在投资期满后，您可以无罚金地提取您的到期本金。

5.Investors can choose to reinvest their matured principal for potentially higher returns.

投资者可以选择将他们的到期本金再投资，以获得更高的回报。

作文

Understanding financial terms is crucial for anyone looking to manage their finances effectively. One such term that often comes up in discussions about investments and loans is the phrase matured principal. The concept of matured principal refers to the original amount of money that was invested or borrowed, which has reached its maturity date. At this point, the borrower must repay the principal amount along with any accrued interest. This term is especially relevant in contexts such as bonds, loans, and savings accounts where the principal amount is returned to the investor or lender at the end of a predetermined period.To illustrate the significance of matured principal, let's consider a simple example involving a fixed deposit account. When an individual places a sum of money into a fixed deposit, they agree to leave it untouched for a specific duration, say five years. At the end of five years, the initial investment, or the principal, is returned to the investor. This return of the original amount is what we refer to as matured principal. In addition to the principal, the bank also pays interest for the duration of the deposit, thus providing the investor with a profit on their investment.In the world of bonds, matured principal takes on a slightly different meaning. When an investor buys a bond, they are essentially lending money to the issuer, whether it be a corporation or government. The bond will have a specified maturity date, at which point the issuer is obligated to return the matured principal to the bondholder. This is a critical aspect of bond investing, as the return of the principal signifies the completion of the investment cycle and the end of the investor's risk exposure related to that bond.Understanding the implications of matured principal is essential for both borrowers and lenders. For borrowers, knowing when their principal is due can help them plan their finances and ensure they have the necessary funds available to meet their obligations. For lenders and investors, understanding when they can expect to receive their matured principal allows them to make informed decisions about their cash flow and future investments.Moreover, the concept of matured principal is not limited to traditional banking and investment scenarios. It also applies to personal loans, mortgages, and other forms of credit. When a borrower takes out a loan, they are required to pay back the principal amount by a certain date. Failure to do so can lead to penalties, increased interest rates, or even foreclosure in the case of secured loans like mortgages.In conclusion, grasping the meaning and significance of matured principal is vital for anyone engaged in financial activities. Whether you are an investor, a borrower, or simply someone looking to better manage your finances, understanding when and how the principal amount is returned can greatly influence your financial strategy. By being aware of the timelines associated with matured principal, individuals can make more informed decisions, reduce financial risks, and ultimately achieve better financial health.

理解金融术语对于任何希望有效管理财务的人来说都是至关重要的。在有关投资和贷款的讨论中，常常会出现一个术语，即短语成熟本金。成熟本金的概念是指已经达到到期日的投资或借款的原始金额。在这一点上，借款人必须偿还本金以及任何应计利息。这个术语在债券、贷款和储蓄账户等背景下尤其相关，在这些情况下，本金在预定期限结束时返回给投资者或贷方。为了说明成熟本金的重要性，我们来考虑一个涉及定期存款账户的简单例子。当一个人将一笔钱放入定期存款时，他们同意在特定的期限内不动这笔钱，比如五年。在五年结束时，最初的投资或本金将返回给投资者。这种原始金额的返还就是我们所称的成熟本金。除了本金，银行还会在存款期间支付利息，从而为投资者提供投资利润。在债券的世界中，成熟本金的含义稍有不同。当投资者购买债券时，他们实际上是在向发行者（无论是公司还是政府）借出资金。债券将有一个指定的到期日，到那时发行者有义务将成熟本金返还给债券持有人。这是债券投资的一个关键方面，因为本金的返还标志着投资周期的完成，以及投资者与该债券相关的风险暴露的结束。理解成熟本金的含义对借款人和贷方都是至关重要的。对于借款人来说，了解其本金何时到期可以帮助他们规划财务，并确保他们有必要的资金可用以满足义务。对于贷方和投资者而言，了解何时可以期待收到成熟本金使他们能够做出明智的现金流和未来投资决策。此外，成熟本金的概念并不仅限于传统的银行和投资场景。它还适用于个人贷款、抵押贷款和其他形式的信贷。当借款人申请贷款时，他们需要在特定日期之前偿还本金。未能做到这一点可能会导致罚款、利率上升，甚至在抵押贷款等担保贷款的情况下，导致止赎。总之，掌握成熟本金的含义和重要性对任何参与金融活动的人来说都是至关重要的。无论你是投资者、借款人，还是只是希望更好地管理财务的人，了解本金的返还时间和方式都可以极大地影响你的财务策略。通过了解与成熟本金相关的时间表，个人可以做出更明智的决策，降低财务风险，并最终实现更好的财务健康。