monetary liability

简明释义

货币性负债

英英释义

例句

1.The company has a significant monetary liability 货币负债 due to outstanding loans.

该公司因未偿还贷款而有重大货币负债。

2.To improve its credit rating, the firm needs to reduce its monetary liability 货币负债 levels.

为了提高信用评级，公司需要降低其货币负债水平。

3.The audit revealed several instances of monetary liability 货币负债 that were not properly reported.

审计发现有几项货币负债未得到妥善报告。

4.A high monetary liability 货币负债 can affect a company's ability to secure funding.

高货币负债可能会影响公司获得资金的能力。

5.Investors are concerned about the monetary liability 货币负债 on the balance sheet.

投资者担心资产负债表上的货币负债。

作文

In today's financial world, understanding the concept of monetary liability is crucial for both individuals and businesses. A monetary liability refers to any financial obligation that requires a future outflow of resources, typically in the form of cash. This can include loans, mortgages, and accounts payable. When an entity incurs a monetary liability, it essentially agrees to pay a certain amount of money at a later date, which can significantly impact its financial health.For individuals, monetary liabilities often manifest as personal loans, credit card debt, or student loans. Managing these liabilities is essential for maintaining a good credit score and ensuring financial stability. For instance, if a person has a high level of credit card debt, it can lead to increased interest payments, making it harder to pay off the original amount borrowed. Thus, understanding how to manage monetary liabilities is vital for personal finance.On the other hand, businesses face monetary liabilities in various forms, such as bank loans, bonds payable, and trade payables. These liabilities are recorded on the company's balance sheet and are crucial for assessing the overall financial position of the business. A company with a high level of monetary liabilities relative to its assets may be viewed as risky by investors and creditors, potentially leading to higher borrowing costs or difficulty in obtaining financing.To effectively manage monetary liabilities, both individuals and businesses must implement sound financial strategies. This includes budgeting, monitoring cash flow, and making timely payments to avoid penalties and additional interest charges. For businesses, maintaining a healthy debt-to-equity ratio is also important, as it reflects the proportion of funding that comes from creditors versus shareholders.Furthermore, understanding the terms associated with monetary liabilities is essential. Interest rates, payment schedules, and penalties for late payments can all influence the total cost of borrowing. By being informed about these factors, individuals and businesses can make better decisions regarding their financial commitments.In conclusion, the concept of monetary liability is a fundamental aspect of financial management. Whether for personal finance or corporate accounting, the ability to understand and manage monetary liabilities can lead to improved financial health and stability. As the financial landscape continues to evolve, staying informed about monetary liabilities and their implications will remain a priority for anyone looking to achieve their financial goals.

在当今的金融世界中，理解“货币负债”这一概念对个人和企业来说至关重要。货币负债是指任何需要未来资源流出（通常以现金形式）的财务义务。这可以包括贷款、抵押贷款和应付账款。当一个实体承担货币负债时，它基本上同意在未来某个时间支付一定金额，这可能会显著影响其财务状况。对于个人而言，货币负债通常表现为个人贷款、信用卡债务或学生贷款。管理这些负债对维持良好的信用评分和确保财务稳定至关重要。例如，如果一个人的信用卡债务水平较高，可能会导致增加的利息支出，使偿还原始借款变得更加困难。因此，理解如何管理货币负债对于个人理财至关重要。另一方面，企业面临各种形式的货币负债，如银行贷款、应付债券和应付账款。这些负债记录在公司的资产负债表上，对于评估企业整体财务状况至关重要。相对于资产，负债水平较高的公司可能会被投资者和债权人视为风险较大，从而导致更高的借款成本或融资困难。为了有效管理货币负债，个人和企业都必须实施合理的财务策略。这包括预算编制、监控现金流以及及时付款，以避免罚款和额外的利息费用。对于企业而言，保持健康的债务与股权比率也很重要，因为它反映了来自债权人与股东的资金比例。此外，理解与货币负债相关的条款也至关重要。利率、还款计划以及逾期付款的罚款都会影响借款的总成本。通过了解这些因素，个人和企业可以在财务承诺方面做出更好的决策。总之，货币负债的概念是财务管理的基本方面。无论是个人理财还是企业会计，理解和管理货币负债的能力都能改善财务健康和稳定性。随着金融环境的不断发展，保持对货币负债及其影响的了解将始终是任何希望实现财务目标的人的优先事项。