accrued interest

简明释义

积累的利息

英英释义

例句

1.The bank will add the accrued interest 应计利息 to your account at the end of the month.

银行将在月底将应计利息添加到你的账户中。

2.Investors often look for bonds that offer higher accrued interest 应计利息 to maximize their returns.

投资者通常寻找提供更高应计利息的债券，以最大化他们的回报。

3.When you pay off your loan early, you may still owe some accrued interest 应计利息 that has accumulated since your last payment.

当你提前还清贷款时，你可能仍然欠一些自上次付款以来累计的应计利息。

4.Before selling your bond, make sure to calculate the accrued interest 应计利息 so you can set an appropriate price.

在出售你的债券之前，确保计算出应计利息，以便你可以设定一个合适的价格。

5.If you hold a savings account, you might receive monthly statements showing the accrued interest 应计利息 earned during the month.

如果你持有一个储蓄账户，你可能会收到每月的对账单，显示本月获得的应计利息。

作文

Understanding financial concepts is essential for anyone looking to manage their money effectively. One such concept that often comes up in discussions about loans and investments 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. To grasp the significance of accrued interest fully, it's important to explore how it works in various financial contexts.When you take out a loan, the lender typically charges interest on the amount borrowed. This interest does not remain static; instead, it grows over time. For example, if you borrow $1,000 at an annual interest rate of 5%, after one year, you will owe $1,050. The extra $50 is the accrued interest for that year. However, if you do not make any payments during that time, the principal amount increases because of this accrued interest. This compounding effect can lead to significantly higher amounts owed if not managed properly.In the context of investments, accrued interest plays a similar role. When you invest in bonds, for instance, the issuer pays interest to bondholders at specified intervals. However, if you decide to sell your bond before the next interest payment date, you may need to consider the accrued interest that has built up since the last payment. This amount is added to the selling price, reflecting the interest that the new buyer will receive once the next payment is made. Thus, understanding accrued interest is crucial for both buyers and sellers in the bond market.Moreover, accrued interest also appears in accounting practices, particularly in the calculation of interest expenses and revenues. Companies often need to account for interest that has accumulated on loans or investments at the end of an accounting period. This ensures that their financial statements accurately reflect the company's financial position. For instance, if a company has a loan with accrued interest of $1,200 at the end of the fiscal year, this amount needs to be recorded in their financial statements to provide a true picture of their liabilities.It is also worth noting that accrued interest can affect personal finance decisions. For instance, when considering whether to pay off a loan early, individuals should take into account the accrued interest that will continue to accumulate if they delay their payments. By understanding how accrued interest impacts their overall debt, borrowers can make more informed choices about managing their finances.In conclusion, accrued interest is a fundamental concept in finance that affects loans, investments, and accounting practices. By understanding how it works and its implications, individuals and businesses can make better financial decisions. Whether you are borrowing money or investing in bonds, being aware of accrued interest helps you navigate the complexities of financial management. Ultimately, knowledge of this concept empowers you to take control of your financial future, ensuring that you are prepared for the challenges and opportunities that lie ahead.

理解金融概念对于任何希望有效管理自己财务的人来说都是至关重要的。一个在贷款和投资讨论中经常出现的概念是应计利息。这个术语指的是在贷款或投资上随着时间的推移而累积的利息，即使它尚未支付。要全面理解应计利息的重要性，探索它在各种金融背景下的运作方式是很重要的。当你申请贷款时，贷方通常会对借款金额收取利息。这种利息并不是静态的；相反，它会随着时间的推移而增长。例如，如果你以5%的年利率借了1000美元，那么一年后，你将欠1050美元。额外的50美元就是这一年内的应计利息。然而，如果你在此期间没有进行任何还款，由于这笔应计利息，本金金额将会增加。如果不妥善管理，这种复利效应可能导致欠款大幅增加。在投资的背景下，应计利息也起着类似的作用。例如，当你投资于债券时，发行者会在规定的时间间隔向债券持有人支付利息。然而，如果你决定在下一个利息支付日期之前出售你的债券，你可能需要考虑自上次支付以来已经累积的应计利息。这笔金额会被加到售价上，反映出新买家在下一次支付时将获得的利息。因此，了解应计利息对债券市场的买卖双方都是至关重要的。此外，应计利息在会计实践中也会出现，特别是在计算利息费用和收入时。公司通常需要在一个会计期末对贷款或投资上累积的利息进行核算。这确保了他们的财务报表准确反映公司的财务状况。例如，如果一家公司的贷款在财政年度结束时有应计利息1200美元，这笔金额需要在他们的财务报表中记录，以提供真实的负债情况。还值得注意的是，应计利息可能会影响个人财务决策。例如，在考虑是否提前还清贷款时，个人应该考虑如果推迟还款，将继续累积的应计利息。通过了解应计利息如何影响他们的整体债务，借款人可以做出更明智的财务管理选择。总之，应计利息是金融中的一个基本概念，影响着贷款、投资和会计实践。通过理解它的运作方式及其影响，个人和企业能够做出更好的财务决策。无论你是在借钱还是投资债券，意识到应计利息有助于你驾驭财务管理的复杂性。最终，对这个概念的认识使你能够掌控自己的财务未来，确保你为未来的挑战和机遇做好准备。