accrued interest

简明释义

滚存的利息

英英释义

例句

1.If you withdraw funds before the interest is paid, you may lose some of the accrued interest 应计利息.

如果你在利息支付之前提取资金，你可能会失去部分accrued interest 应计利息。

2.At the end of the month, your statement will show the accrued interest 应计利息 earned on your investment.

在月底，你的对账单将显示你投资所赚取的accrued interest 应计利息。

3.The bank calculates accrued interest 应计利息 daily for savings accounts to ensure accurate interest payments.

银行每天计算储蓄账户的accrued interest 应计利息以确保准确的利息支付。

4.Investors should consider accrued interest 应计利息 when evaluating the total return on a bond.

投资者在评估债券的总回报时，应考虑accrued interest 应计利息。

5.When you sell a bond, the buyer must compensate you for the accrued interest 应计利息 that has accumulated since the last coupon payment.

当你出售一只债券时，买方必须补偿你自上次票息支付以来积累的accrued interest 应计利息。

作文

Understanding financial terms is crucial for anyone who wishes to navigate the world of investments and savings effectively. One such term that often comes up in discussions about loans and bonds is accrued interest. This term refers to the interest that accumulates on a loan or investment over time, even if it has not yet been paid. In simpler terms, it is the interest that has been earned or incurred but not yet received or paid. Understanding this concept can help individuals make informed decisions regarding their finances.When an individual takes out a loan, they are typically required to pay back the principal amount plus any interest that accrues over the life of the loan. For example, if someone borrows $10,000 at a 5% annual interest rate, the accrued interest would be calculated based on the time elapsed since the loan was issued. If six months have passed, the accrued interest would be $250, calculated as follows: $10,000 * 0.05 * (6/12).This concept is not limited to loans alone; it also applies to investments. For instance, when someone invests in a bond, they may not receive interest payments until the bond matures. However, the interest still accumulates during the life of the bond. This accumulated interest is also referred to as accrued interest. Investors should be aware of this, as it affects the total return on their investment. If they decide to sell the bond before maturity, they may receive the accrued interest as part of the selling price.In the context of savings accounts, accrued interest plays a vital role as well. Many banks offer interest on savings accounts, which is typically compounded daily, monthly, or annually. The interest that accumulates during these periods is considered accrued interest. For example, if you deposit $1,000 into a savings account with a 2% annual interest rate, after one year, you will have earned $20 in accrued interest. This means your total balance would be $1,020, illustrating how accrued interest can contribute to overall savings growth.Furthermore, understanding accrued interest is essential for tax purposes. In many jurisdictions, taxpayers are required to report all income, including interest earned on investments or savings. This means that even if the interest has not yet been paid out, it still counts as taxable income. Therefore, individuals should keep track of their accrued interest to ensure compliance with tax regulations.In conclusion, accrued interest is a fundamental concept in finance that every individual should understand. Whether dealing with loans, bonds, or savings accounts, recognizing how interest accumulates over time can significantly impact financial decision-making. By staying informed about accrued interest, individuals can better manage their finances, optimize their investments, and ensure they are prepared for any tax implications. Ultimately, a clear grasp of this term can lead to more effective financial planning and a healthier economic future.

理解金融术语对于任何希望有效应对投资和储蓄世界的人来说都是至关重要的。一个经常出现在贷款和债券讨论中的术语是应计利息。这个术语指的是在一笔贷款或投资上随时间累积的利息，即使它尚未支付。简单来说，它是已经赚取或产生但尚未收到或支付的利息。理解这一概念可以帮助个人在财务方面做出明智的决定。当一个人申请贷款时，通常需要偿还本金加上贷款期间所产生的利息。例如，如果某人借款10,000美元，年利率为5%，那么应计利息将根据自贷款发放以来经过的时间进行计算。如果经过六个月，则应计利息为250美元，计算方法如下：10,000美元 * 0.05 * (6/12)。这一概念不仅限于贷款；它同样适用于投资。例如，当某人投资于债券时，他们可能直到债券到期才会收到利息支付。然而，在债券的生命周期内，利息仍然会累积。这种累积的利息也被称为应计利息。投资者应对此有所了解，因为这会影响他们的总投资回报。如果他们决定在到期前出售债券，他们可能会在售价中收到应计利息。在储蓄账户的背景下，应计利息也起着至关重要的作用。许多银行在储蓄账户中提供利息，这通常是按日、按月或按年复利计算的。在这些期间累积的利息被视为应计利息。例如，如果您在一个年利率为2%的储蓄账户中存入1,000美元，那么一年后，您将获得20美元的应计利息。这意味着您的总余额将达到1,020美元，说明应计利息如何有助于整体储蓄增长。此外，理解应计利息对于税务目的也是至关重要的。在许多司法管辖区，纳税人需要报告所有收入，包括从投资或储蓄中获得的利息。这意味着即使利息尚未支付，它仍然算作应纳税收入。因此，个人应跟踪其应计利息，以确保遵守税收法规。总之，应计利息是每个人都应该理解的金融基本概念。无论是处理贷款、债券还是储蓄账户，认识到利息如何随时间累积都能显著影响财务决策。通过了解应计利息，个人可以更好地管理财务，优化投资，并确保为任何税务影响做好准备。最终，对这一术语的清晰理解可以导致更有效的财务规划和更健康的经济未来。