serviceability ratio

简明释义

耐用率

英英释义

例句

1.Investors often look at the serviceability ratio when evaluating a company's ability to repay loans.

投资者在评估公司的还款能力时，通常会关注服务能力比率。

2.The company calculated its serviceability ratio to determine how much of its debt could be covered by its income.

公司计算了它的服务能力比率以确定其收入能覆盖多少债务。

3.The serviceability ratio is crucial for banks when assessing loan applications.

在评估贷款申请时，服务能力比率对银行至关重要。

4.A higher serviceability ratio indicates better financial health for the business.

较高的服务能力比率表明企业的财务状况更好。

5.To improve its serviceability ratio, the firm decided to cut unnecessary expenses.

为了提高其服务能力比率，公司决定削减不必要的开支。

作文

In the world of finance and engineering, understanding various metrics is crucial for assessing performance and sustainability. One such metric that has gained prominence in recent years is the serviceability ratio. The serviceability ratio refers to a financial metric that measures the ability of an organization or an asset to meet its ongoing operational expenses and service its debt obligations. Essentially, it provides insights into how well a company can maintain its operations without facing liquidity issues. This ratio is particularly important for businesses that rely heavily on loans and external financing. To grasp the significance of the serviceability ratio, it is essential to consider its components. The numerator typically includes earnings before interest, taxes, depreciation, and amortization (EBITDA), while the denominator consists of interest expenses and other necessary operational costs. By analyzing this ratio, stakeholders can determine whether a company generates sufficient income to cover its debts and operational costs. A higher serviceability ratio indicates a better financial position, suggesting that the company can comfortably manage its obligations without jeopardizing its operations.Investors and creditors often use the serviceability ratio as a key indicator of financial health. For instance, if a company has a serviceability ratio of 3, it means that for every dollar of debt service, the company generates three dollars in earnings. This strong ratio instills confidence among investors, making them more likely to invest in the company or extend credit. Conversely, a low serviceability ratio could signal potential financial distress, prompting creditors to reconsider their lending terms or investors to withdraw their support.Moreover, the serviceability ratio plays a vital role in risk assessment. Lenders often evaluate this ratio when determining loan eligibility and terms. A company with a robust serviceability ratio may secure loans at lower interest rates due to its perceived lower risk. On the other hand, companies with weak ratios might face higher borrowing costs or even difficulties in obtaining loans altogether.In addition to its importance in finance, the concept of serviceability ratio can also be applied in engineering contexts, particularly in infrastructure projects. Here, it assesses the capacity of a structure or system to remain functional under various loads and conditions. For example, when designing a bridge, engineers must ensure that its serviceability ratio meets specific standards to guarantee safety and usability throughout its lifespan. This involves calculating the expected loads and stresses the bridge will encounter and ensuring that it can withstand them without significant deformation or failure.In conclusion, the serviceability ratio is a critical metric in both finance and engineering, serving as a barometer for operational efficiency and financial stability. By understanding and analyzing this ratio, stakeholders can make informed decisions that impact the future of their organizations or projects. Whether assessing a company's ability to service its debt or evaluating the structural integrity of a bridge, the serviceability ratio provides invaluable insights that contribute to sustainable growth and development.

在金融和工程领域，理解各种指标对于评估绩效和可持续性至关重要。其中一个近年来备受关注的指标是服务能力比率。服务能力比率是一个财务指标，用于衡量一个组织或资产满足其持续运营费用和偿还债务义务的能力。本质上，它提供了有关公司在不面临流动性问题的情况下，如何维持运营的洞察。这个比率对于依赖贷款和外部融资的企业尤其重要。要理解服务能力比率的重要性，必须考虑其组成部分。分子通常包括息税折旧摊销前利润（EBITDA），而分母则包含利息费用和其他必要的运营成本。通过分析这个比率，利益相关者可以确定公司是否产生足够的收入来覆盖其债务和运营成本。较高的服务能力比率表明更好的财务状况，暗示公司能够舒适地管理其义务，而不会危及其运营。投资者和债权人通常将服务能力比率作为财务健康的关键指标。例如，如果一家公司拥有3的服务能力比率，这意味着每一美元的债务服务，公司产生三美元的收益。这个强劲的比率使投资者充满信心，使他们更可能投资于该公司或延长信贷。相反，低的服务能力比率可能会发出潜在财务困境的信号，促使债权人重新考虑其贷款条款或投资者撤回支持。此外，服务能力比率在风险评估中也发挥着重要作用。贷款方通常在确定贷款资格和条款时评估这一比率。拥有强大服务能力比率的公司可能会以较低的利率获得贷款，因为其被认为风险较低。另一方面，比例较弱的公司可能面临更高的借款成本，甚至根本无法获得贷款。除了在金融领域的重要性外，服务能力比率的概念也可以应用于工程领域，特别是在基础设施项目中。在这里，它评估结构或系统在各种载荷和条件下保持功能的能力。例如，在设计桥梁时，工程师必须确保其服务能力比率符合特定标准，以保证在其生命周期内的安全和可用性。这涉及计算桥梁将遇到的预期载荷和应力，并确保它能够承受这些载荷而不会发生显著变形或失败。总之，服务能力比率是金融和工程中一个关键的指标，作为运营效率和财务稳定性的晴雨表。通过理解和分析这一比率，利益相关者可以做出影响其组织或项目未来的明智决策。无论是评估公司偿还债务的能力，还是评估桥梁的结构完整性，服务能力比率都提供了宝贵的见解，有助于可持续增长和发展。