monetary asset

简明释义

货币性资产

英英释义

例句

1.Banks usually offer higher interest rates on monetary assets (货币资产) such as savings accounts and certificates of deposit.

银行通常对货币资产（货币资产）如储蓄账户和定期存款提供更高的利率。

2.Investors often prefer to hold a portion of their portfolio in monetary assets (货币资产) to ensure liquidity.

投资者通常倾向于将其投资组合的一部分持有在货币资产（货币资产）中，以确保流动性。

3.In times of inflation, the value of monetary assets (货币资产) can decrease, prompting investors to seek alternatives.

在通货膨胀时期，货币资产（货币资产）的价值可能下降，促使投资者寻找替代品。

4.A diversified investment strategy should include various types of monetary assets (货币资产) to mitigate risk.

多样化的投资策略应包括各种类型的货币资产（货币资产），以降低风险。

5.During economic downturns, people tend to convert their savings into monetary assets (货币资产) for safety.

在经济衰退期间，人们倾向于将储蓄转换为货币资产（货币资产）以确保安全。

作文

In today's complex financial landscape, understanding the concept of a monetary asset (货币资产) is crucial for both individuals and businesses. A monetary asset refers to any asset that can be easily converted into cash or has a fixed monetary value. This includes cash itself, bank deposits, and marketable securities. The significance of monetary assets cannot be overstated, as they play a vital role in liquidity management and financial planning.Firstly, liquidity is essential for any entity, whether it is a company or an individual. Having a significant portion of one's wealth in monetary assets ensures that one can meet short-term obligations without the need to sell other assets at potentially unfavorable prices. For instance, a business may need to cover unexpected expenses, and having enough monetary assets on hand allows it to navigate such challenges smoothly.Moreover, monetary assets are often considered safe investments. Unlike stocks or real estate, which can fluctuate significantly in value, monetary assets maintain their value over time. This stability makes them an attractive option for risk-averse investors. For example, during periods of economic uncertainty, many investors flock to cash or cash equivalents, knowing that these monetary assets will not lose value suddenly.In addition, monetary assets are essential for effective financial planning. Individuals and businesses alike must create budgets and forecasts that account for their liquid assets. By understanding how much of their wealth is tied up in monetary assets, they can make informed decisions about spending, saving, and investing. This knowledge allows for better resource allocation and can lead to improved financial health.Furthermore, the role of monetary assets extends to investment strategies. Investors often use a combination of monetary assets and other asset classes to diversify their portfolios. While monetary assets provide safety and liquidity, other investments like stocks or bonds can offer growth potential. Balancing these different types of assets is key to achieving long-term financial goals.However, it is important to note that while monetary assets offer numerous advantages, they also come with limitations. The primary drawback is that they typically do not generate significant returns compared to other investment options. For instance, keeping a large sum of money in a savings account may protect against loss but will likely yield lower interest rates than investing in stocks or real estate.In conclusion, understanding monetary assets (货币资产) is essential for anyone looking to manage their finances effectively. They provide liquidity, stability, and a foundation for financial planning. While they may not offer high returns, the safety and ease of access they provide make them a vital component of a balanced financial strategy. As we navigate through various economic conditions, maintaining a healthy proportion of monetary assets can help ensure financial resilience and security for the future.

在当今复杂的金融环境中，理解“货币资产”这一概念对个人和企业来说至关重要。货币资产指的是任何可以轻易转换为现金或具有固定货币价值的资产。这包括现金本身、银行存款和可交易证券。货币资产的重要性不容小觑，因为它们在流动性管理和财务规划中发挥着至关重要的作用。首先，流动性对任何实体都是必不可少的，无论是公司还是个人。将相当大一部分财富投入到货币资产中，可以确保人们在无需以可能不利的价格出售其他资产的情况下满足短期义务。例如，一家公司可能需要支付意外费用，拥有足够的货币资产可以使其顺利应对这些挑战。此外，货币资产通常被视为安全的投资。与股票或房地产相比，这些资产的价值波动较小，货币资产能够保持其价值。因此，对于厌恶风险的投资者来说，它们是一个具有吸引力的选择。例如，在经济不确定时期，许多投资者纷纷涌向现金或现金等价物，知道这些货币资产不会突然贬值。此外，货币资产对于有效的财务规划至关重要。个人和企业都必须制定预算和预测，考虑其流动资产。通过了解自己财富中有多少与货币资产挂钩，他们可以就支出、储蓄和投资做出明智的决策。这种知识可以促进更好的资源配置，从而改善财务健康。此外，货币资产的作用还扩展到投资策略。投资者通常使用货币资产和其他资产类别的组合来实现投资组合的多样化。虽然货币资产提供安全性和流动性，但其他投资如股票或债券可以提供增长潜力。平衡这些不同类型的资产是实现长期财务目标的关键。然而，需要注意的是，尽管货币资产提供了许多优势，但它们也有局限性。主要缺点是，与其他投资选项相比，它们通常不会产生显著的回报。例如，将大量资金存入储蓄账户可能能防止损失，但产生的利息通常低于投资于股票或房地产的收益。总之，理解货币资产（货币资产）对于任何希望有效管理其财务的人来说都是必要的。它们提供流动性、稳定性和财务规划的基础。尽管它们可能无法带来高回报，但它们所提供的安全性和便捷性使其成为平衡财务战略的重要组成部分。在我们经历各种经济条件时，维持健康的货币资产比例可以确保未来的财务韧性和安全。