debt service ratio

简明释义

外债清偿比率［即年度应付外债本息占当年外汇收入的比率］

英英释义

例句

1.To improve your debt service ratio 债务偿还比率, consider refinancing high-interest loans.

要提高你的债务偿还比率 debt service ratio，可以考虑再融资高利率贷款。

2.Investors often look at the debt service ratio 债务偿还比率 to assess financial health.

投资者通常会查看债务偿还比率 debt service ratio 来评估财务健康状况。

3.The bank requires a minimum debt service ratio 债务偿还比率 of 1.2 for loan approval.

银行要求贷款批准的最低债务偿还比率 debt service ratio 为1.2。

4.A high debt service ratio 债务偿还比率 indicates that a company is managing its debt well.

较高的债务偿还比率 debt service ratio 表明公司在管理其债务方面表现良好。

5.If your debt service ratio 债务偿还比率 falls below 1, it may signal financial distress.

如果你的债务偿还比率 debt service ratio 低于1，这可能表示财务困境。

作文

The concept of debt service ratio is crucial for both individuals and businesses when assessing financial health. The debt service ratio refers to the proportion of a borrower’s income that is used to cover debt obligations, including interest and principal repayments. A higher debt service ratio indicates that a larger portion of income is devoted to servicing debt, which can be a warning sign of potential financial distress. Conversely, a lower debt service ratio suggests that the borrower has a manageable level of debt relative to their income, allowing for greater financial flexibility.Understanding the debt service ratio is essential for making informed financial decisions. For example, when applying for a mortgage, lenders typically evaluate the applicant's debt service ratio to determine their ability to repay the loan. A common benchmark is that the debt service ratio should not exceed 36% of gross income. This means that if an individual earns $5,000 per month, their total debt payments should ideally be no more than $1,800. If the ratio exceeds this threshold, lenders may view the applicant as a higher risk, potentially leading to higher interest rates or even denial of the loan.For businesses, the debt service ratio plays a similar role in evaluating financial stability. Companies often use this ratio to assess their capacity to meet debt obligations while still funding operations and growth initiatives. Investors and creditors closely monitor a company’s debt service ratio to gauge its creditworthiness. A ratio above 1 indicates that the company generates enough income to cover its debt payments, while a ratio below 1 suggests that the company may struggle to meet its obligations, raising red flags for investors.Moreover, the debt service ratio can vary significantly across different industries. For instance, capital-intensive industries, such as manufacturing and utilities, may have higher debt service ratios due to substantial upfront investments. In contrast, service-oriented sectors might maintain lower ratios, reflecting less reliance on debt financing. Understanding these industry-specific norms is vital for stakeholders when analyzing a company's financial health.In addition to assessing individual and corporate finances, the debt service ratio also has macroeconomic implications. Policymakers and economists often examine the aggregate debt service ratio of households or businesses within an economy to understand overall economic stability. A rising debt service ratio at the national level may indicate that households or companies are becoming over-leveraged, potentially leading to increased defaults and economic downturns. Conversely, a declining ratio may signal improving financial conditions and consumer confidence.In conclusion, the debt service ratio is a vital metric for assessing financial health at both personal and organizational levels. It provides insights into how much of one’s income is allocated to debt repayment, influencing lending decisions and investment strategies. Additionally, understanding the debt service ratio can help individuals and businesses make informed financial choices, ensuring they maintain a sustainable balance between debt and income. As such, whether you are an individual looking to secure a loan or a business aiming to attract investors, keeping a close eye on your debt service ratio is essential for long-term financial success.

“债务偿还比率”这一概念对于个人和企业评估财务健康至关重要。“债务偿还比率”是指借款人用于偿还债务的收入比例，包括利息和本金偿还。较高的“债务偿还比率”表明更大比例的收入用于偿还债务，这可能是潜在财务困境的警示信号。相反，较低的“债务偿还比率”则表明借款人相对于其收入拥有可管理的债务水平，从而允许更大的财务灵活性。理解“债务偿还比率”对于做出明智的财务决策至关重要。例如，在申请抵押贷款时，贷方通常会评估申请人的“债务偿还比率”，以确定其还款能力。一个常见的基准是“债务偿还比率”不应超过毛收入的36%。这意味着，如果一个人每月收入5000美元，他们的总债务支付理想情况下应不超过1800美元。如果该比率超过这一阈值，贷方可能会将申请人视为风险较高，可能导致更高的利率甚至贷款被拒。对于企业而言，“债务偿还比率”在评估财务稳定性方面发挥着类似的作用。公司通常使用此比率来评估其在满足债务义务的同时，仍然能够为运营和增长计划提供资金的能力。投资者和债权人密切关注公司的“债务偿还比率”，以评估其信用状况。比率高于1表示公司产生的收入足以覆盖其债务支付，而比率低于1则表明公司可能难以满足其义务，这对投资者来说是一个红旗。此外，不同行业的“债务偿还比率”可能会有显著差异。例如，资本密集型行业，如制造业和公用事业，可能由于大量的前期投资而具有较高的“债务偿还比率”。相比之下，以服务为导向的部门可能保持较低的比率，反映出对债务融资的较少依赖。了解这些行业特定的规范对于利益相关者在分析公司的财务健康时至关重要。除了评估个人和企业财务外，“债务偿还比率”在宏观经济上也具有重要意义。政策制定者和经济学家通常会检查家庭或企业在经济中的整体“债务偿还比率”，以了解整体经济稳定性。国家层面上上升的“债务偿还比率”可能表明家庭或公司变得过度负债，这可能导致违约增加和经济衰退。相反，下降的比率可能表明财务状况和消费者信心的改善。总之，“债务偿还比率”是评估个人和组织财务健康的重要指标。它提供了有关收入分配到债务偿还的多少洞察，影响贷款决策和投资策略。此外，理解“债务偿还比率”可以帮助个人和企业做出明智的财务选择，确保它们在债务和收入之间保持可持续的平衡。因此，无论您是希望获得贷款的个人还是希望吸引投资者的企业，密切关注您的“债务偿还比率”对于长期财务成功至关重要。