payback period; payoff period

简明释义

回收期

英英释义

例句

1.A quick payoff period 收益期 can make a project more appealing to potential investors.

快速的收益期可以使一个项目对潜在投资者更具吸引力。

2.Investors often look for projects with a short payoff period 收益期 to minimize risk.

投资者通常寻找收益期短的项目，以降低风险。

3.Our analysis shows that the payback period 回收期 for solar panels is around 7 years.

我们的分析显示，太阳能电池板的回收期大约为7年。

4.The company aims to reduce its payback period 回收期 by improving operational efficiency.

公司旨在通过提高运营效率来缩短其回收期。

5.The payback period 回收期 for this investment is estimated to be five years.

这项投资的回收期预计为五年。

作文

In the world of finance and investment, understanding various metrics is crucial for making informed decisions. One such important metric is the payback period, which refers to the duration it takes for an investment to generate enough cash flow to recover its initial cost. This concept is vital for investors as it provides a clear indication of how quickly they can expect to see a return on their investment. The payback period is often expressed in years, and a shorter payback period is generally preferred because it implies a quicker recovery of the invested capital.For instance, consider a business that invests $10,000 in new equipment. If this equipment generates $2,500 in cash flow annually, the payback period would be four years, as it will take four years to recoup the initial investment. Investors often use this metric to compare different investment opportunities, allowing them to assess the risk associated with each option.However, while the payback period is a useful tool, it does have its limitations. It does not take into account the time value of money, which is a critical concept in finance. The time value of money suggests that a dollar today is worth more than a dollar in the future due to its potential earning capacity. Therefore, relying solely on the payback period may lead investors to overlook more profitable opportunities that have longer payback periods but offer greater returns over time.Another term closely related to the payback period is the payoff period. While the two terms are often used interchangeably, the payoff period typically refers to the time it takes to fully pay off a loan or debt, rather than recovering an investment. This distinction is essential for both investors and borrowers, as it highlights the differences in financial planning and cash flow management.For example, if an individual takes out a loan of $20,000 to purchase a car, and they make monthly payments of $400, the payoff period might be five years. Understanding the payoff period is crucial for borrowers, as it affects their budgeting and financial commitments. A longer payoff period may result in lower monthly payments but could also mean paying more interest over the life of the loan.Ultimately, both the payback period and the payoff period serve as important tools in financial analysis. Investors and borrowers alike must understand these concepts to make sound financial decisions. By analyzing the payback period, investors can gauge the risk associated with an investment, while understanding the payoff period helps borrowers manage their debt effectively. In conclusion, mastering these financial metrics is essential for anyone looking to navigate the complex world of finance successfully.

在金融和投资的世界中，理解各种指标对于做出明智的决策至关重要。其中一个重要的指标是回收期，它指的是投资产生足够现金流以收回初始成本所需的时间。这个概念对投资者来说至关重要，因为它清晰地表明了他们可以期待多快看到投资回报。回收期通常以年为单位表示，较短的回收期通常更受欢迎，因为这意味着投资资本的快速回收。例如，考虑一家企业投资10,000美元购买新设备。如果该设备每年产生2,500美元的现金流，则回收期为四年，因为需要四年时间才能收回初始投资。投资者通常使用这一指标来比较不同的投资机会，使他们能够评估每个选项的风险。然而，尽管回收期是一个有用的工具，但它也有其局限性。它没有考虑货币的时间价值，这是金融中的一个关键概念。货币的时间价值意味着今天的一美元比未来的一美元更有价值，因为它具有潜在的收益能力。因此，仅依赖于回收期可能会导致投资者忽视那些回收期较长但长期回报更高的更具盈利性的机会。另一个与回收期密切相关的术语是偿还期。虽然这两个术语通常可以互换使用，但偿还期通常指的是完全偿还贷款或债务所需的时间，而不是收回投资。这一区别对于投资者和借款人都很重要，因为它突出了财务规划和现金流管理中的差异。例如，如果个人贷款20,000美元购买汽车，并且每月支付400美元，则偿还期可能为五年。理解偿还期对借款人至关重要，因为它影响他们的预算和财务承诺。较长的偿还期可能导致较低的月供，但也可能意味着在贷款期限内支付更多的利息。最终，回收期和偿还期都是财务分析中的重要工具。投资者和借款人都必须理解这些概念，以做出合理的财务决策。通过分析回收期，投资者可以评估与投资相关的风险，而理解偿还期则帮助借款人有效管理他们的债务。总之，掌握这些财务指标对于任何希望成功驾驭复杂金融世界的人来说都是必不可少的。