total liabilities and net worth

简明释义

负债总额及净值

英英释义

例句

1.When assessing a company's financial health, investors often look at its total liabilities and net worth (总负债和净资产) to make informed decisions.

在评估公司的财务健康状况时，投资者通常会查看其总负债和净资产（总负债和净资产）以做出明智的决定。

2.A high ratio of total liabilities and net worth (总负债和净资产) may indicate that a company is over-leveraged.

高比例的总负债和净资产（总负债和净资产）可能表明公司债务过高。

3.The accountant prepared a report detailing the total liabilities and net worth (总负债和净资产) for the fiscal year.

会计准备了一份报告，详细说明了该财政年度的总负债和净资产（总负债和净资产）。

4.Before applying for a loan, it's wise to calculate your total liabilities and net worth (总负债和净资产) to ensure you meet the lender's criteria.

在申请贷款之前，计算你的总负债和净资产（总负债和净资产）是明智的，以确保你符合贷款机构的标准。

5.Understanding your personal total liabilities and net worth (总负债和净资产) is crucial for effective financial planning.

了解你的个人总负债和净资产（总负债和净资产）对有效的财务规划至关重要。

作文

Understanding the financial health of an individual or a business requires a careful analysis of various financial metrics. One of the most important concepts in this analysis is the relationship between total liabilities and net worth. To comprehend these terms, we must first define what they mean. 总负债和净资产 are crucial components of a balance sheet, which provides a snapshot of an entity’s financial position at a specific point in time.Total liabilities refer to all the debts and obligations that an individual or a business owes to external parties. This includes loans, mortgages, credit card debts, and any other financial commitments. On the other hand, net worth is the difference between total assets and total liabilities. It represents the residual interest in the assets of an entity after deducting liabilities. In simpler terms, 总负债和净资产 help us understand how much an individual or a business truly owns after settling all debts.For individuals, monitoring total liabilities and net worth is vital for personal finance management. A high level of debt relative to income can indicate financial distress, while a growing net worth suggests sound financial decisions and savings habits. For example, if someone has a mortgage, student loans, and credit card debt totaling $50,000, but their assets, including savings and property, amount to $100,000, their net worth would be $50,000. This positive net worth indicates that they have more assets than liabilities, which is generally a good sign of financial health.In the context of businesses, total liabilities and net worth play an equally significant role. Investors and stakeholders often look at these figures to assess the company’s financial stability and growth potential. A company with high total liabilities compared to its net worth may be viewed as risky, as it indicates that the company is heavily leveraged and may struggle to meet its financial obligations. Conversely, a strong net worth can attract investors, as it reflects the company’s ability to generate profits and sustain operations over time.Furthermore, understanding the trend of total liabilities and net worth over time can provide insights into financial health. If an individual or business consistently increases their net worth while managing their total liabilities effectively, it indicates prudent financial management. On the contrary, if liabilities grow faster than net worth, it may signal potential financial trouble ahead.In summary, the concepts of total liabilities and net worth are foundational to evaluating financial health. Whether for personal finance or business analysis, these metrics provide essential insights into how well an entity manages its debts and assets. By keeping a close eye on these figures, individuals and businesses can make informed financial decisions that lead to long-term stability and growth. Understanding 总负债和净资产 is not just about crunching numbers; it is about gaining clarity on one’s financial journey and making strategic choices that pave the way for a secure financial future.

理解个人或企业的财务健康状况需要对各种财务指标进行仔细分析。其中一个最重要的概念是总负债和净资产之间的关系。要理解这些术语，我们必须首先定义它们的含义。总负债和净资产是资产负债表的关键组成部分，资产负债表提供了某一时点实体财务状况的快照。总负债是指个人或企业对外部方所欠的所有债务和义务。这包括贷款、抵押贷款、信用卡债务以及任何其他财务承诺。另一方面，净资产是总资产与总负债之间的差额。它代表了在扣除负债后，实体对资产的剩余权益。简单来说，总负债和净资产帮助我们理解个人或企业在偿还所有债务后真正拥有多少。对于个人而言，监控总负债和净资产对个人财务管理至关重要。相对于收入的高负债水平可能表明财务困境，而不断增长的净资产则表明良好的财务决策和储蓄习惯。例如，如果某人有一笔抵押贷款、学生贷款和信用卡债务，总计5万美元，但他们的资产，包括储蓄和财产，金额为10万美元，他们的净资产将为5万美元。这一正净资产表明他们的资产超过负债，这通常是财务健康的良好迹象。在企业的背景下，总负债和净资产同样发挥着重要作用。投资者和利益相关者通常会查看这些数字以评估公司的财务稳定性和增长潜力。与净资产相比，负债过高的公司可能被视为风险，因为这表明该公司杠杆率较高，可能难以履行其财务义务。相反，强大的净资产可以吸引投资者，因为它反映了公司产生利润和持续运营的能力。此外，了解总负债和净资产随时间变化的趋势可以提供有关财务健康的深入见解。如果个人或企业在有效管理总负债的同时持续增加其净资产，则表明其财务管理谨慎。相反，如果负债增长速度超过净资产，这可能预示着潜在的财务困境。总之，总负债和净资产的概念是评估财务健康的基础。无论是个人财务还是商业分析，这些指标都提供了关于实体如何管理其债务和资产的重要见解。通过密切关注这些数字，个人和企业可以做出明智的财务决策，从而实现长期的稳定和增长。理解总负债和净资产不仅仅是计算数字；它是关于清晰地了解自身财务旅程，并做出战略选择，为安全的财务未来铺平道路。