payable at maturity

简明释义

到期付款

英英释义

例句

1.Investors often prefer bonds that are payable at maturity to ensure they receive their investment back without early redemption penalties.

投资者通常更喜欢那些到期时支付的债券，以确保他们在没有提前赎回罚款的情况下收回投资。

2.The loan agreement states that the full amount is payable at maturity, which is two years from now.

贷款协议规定全款将在到期时支付，即两年后。

3.When you buy a certificate of deposit, the interest is typically payable at maturity along with the principal.

当你购买定期存款时，利息通常在到期时支付，连同本金一起。

4.The company issued a note that is payable at maturity in five years, allowing for long-term financing.

该公司发行了一张到期时支付的票据，期限为五年，以便进行长期融资。

5.The bond you purchased will be payable at maturity, meaning you will receive the principal amount back at the end of its term.

你购买的债券将在到期时支付，这意味着你将在其期限结束时收回本金。

作文

In the world of finance, understanding various terms and concepts is crucial for making informed investment decisions. One such term that frequently arises in discussions about bonds and fixed-income securities is payable at maturity. This phrase refers to the amount of money that an issuer of a bond or a similar financial instrument is obligated to pay back to the bondholder when the bond reaches its maturity date. In simpler terms, it signifies the end of the bond's life cycle when the principal amount is due for repayment. The concept of payable at maturity is essential for investors as it directly affects their investment strategy and overall financial planning.When an investor purchases a bond, they are essentially lending money to the issuer, which could be a corporation, municipality, or government. In return for this loan, the issuer agrees to pay interest periodically and to return the principal amount at the end of the bond’s term. The phrase payable at maturity highlights the critical nature of this repayment obligation. Investors must understand that the timing of this payment is fixed; therefore, they should consider the issuer's creditworthiness and the likelihood of repayment before making an investment.The significance of understanding payable at maturity extends beyond merely knowing when the principal will be returned. It also plays a vital role in assessing the risk associated with different types of bonds. For instance, government bonds are typically considered safer investments because they are backed by the government’s ability to tax and generate revenue. This means that the likelihood of receiving the principal payable at maturity is high. Conversely, corporate bonds, especially those issued by companies with lower credit ratings, may carry a higher risk of default, meaning there is a chance that the investor may not receive their principal back when it is due.Moreover, the term payable at maturity also has implications for the investor's cash flow management. Knowing when the principal will be returned allows investors to plan their finances better. For example, if an investor anticipates needing a certain amount of money for a future expense, they might choose to invest in bonds that are payable at maturity just before that time. This strategy helps ensure that the funds will be available when needed, thus facilitating effective personal financial planning.In addition to individual investors, financial institutions also pay close attention to the payable at maturity aspect of bonds. Banks and investment firms often have specific requirements regarding the maturity dates of the bonds they hold in their portfolios. These requirements can affect their liquidity ratios and overall financial health. Therefore, understanding when and how much is payable at maturity is critical for maintaining compliance with regulatory standards and achieving strategic financial goals.In conclusion, the term payable at maturity encapsulates a fundamental aspect of bond investing that every investor should grasp. It not only indicates the time frame for the return of the principal amount but also serves as a gauge for assessing risk and planning cash flows. By comprehending this concept, investors can make more informed decisions, ultimately leading to better financial outcomes. Whether one is a novice investor or a seasoned professional, recognizing the importance of payable at maturity is a step towards achieving investment success.

在金融世界中，理解各种术语和概念对于做出明智的投资决策至关重要。其中一个在关于债券和固定收益证券的讨论中经常出现的术语是到期应付。这个短语指的是债券或类似金融工具的发行人在债券到期日时必须偿还给债券持有人的金额。简单来说，它意味着债券生命周期的结束，此时本金到期偿还。到期应付的概念对投资者至关重要，因为它直接影响他们的投资策略和整体财务规划。当投资者购买债券时，他们本质上是在向发行人借钱，发行人可以是公司、市政当局或政府。作为这笔贷款的回报，发行人同意定期支付利息，并在债券期限结束时返还本金。短语到期应付强调了这一偿还义务的重要性。投资者必须理解，这一付款的时间是固定的；因此，他们在进行投资之前应考虑发行人的信用状况以及偿还的可能性。理解到期应付的重要性不仅仅在于知道本金何时会被返还。它在评估不同类型债券的风险方面也起着至关重要的作用。例如，政府债券通常被视为更安全的投资，因为它们由政府的税收和收入能力支持。这意味着在到期时收到本金的可能性很高。相反，企业债券，特别是那些由信用评级较低的公司发行的债券，可能会面临更高的违约风险，这意味着投资者可能无法在到期时收回本金。此外，短语到期应付对投资者的现金流管理也有重要影响。了解本金何时被返还使投资者能够更好地规划他们的财务。例如，如果投资者预计在未来某个时间需要一定金额，他们可能会选择投资于在该时间之前到期的债券。这个策略有助于确保在需要时资金可用，从而促进有效的个人财务规划。除了个人投资者，金融机构也非常关注债券的到期应付方面。银行和投资公司通常对其投资组合中持有的债券的到期日期有特定要求。这些要求可能会影响它们的流动性比率和整体财务健康。因此，了解何时以及多少金额是到期应付的，对于保持合规性和实现战略财务目标至关重要。总之，术语到期应付概括了每个投资者都应该掌握的债券投资的基本方面。它不仅指示本金到期偿还的时间框架，还作为评估风险和规划现金流的标准。通过理解这一概念，投资者可以做出更明智的决策，最终实现更好的财务结果。无论是新手投资者还是经验丰富的专业人士，认识到到期应付的重要性都是实现投资成功的一步。