principal outstanding at face value

简明释义

未偿本金面额

英英释义

例句

1.The financial analyst explained that the principal outstanding at face value is crucial for determining the company's debt load.

金融分析师解释说，面值未偿还本金对于确定公司的债务负担至关重要。

2.Investors should always consider the principal outstanding at face value when evaluating the risk of a bond.

投资者在评估债券风险时，应始终考虑面值未偿还本金。

3.The principal outstanding at face value can affect your credit score if not managed properly.

如果管理不当，面值未偿还本金可能会影响您的信用评分。

4.Before refinancing, it's important to know the principal outstanding at face value on your current mortgage.

在再融资之前，了解您当前抵押贷款的面值未偿还本金是很重要的。

5.The bank reported that the principal outstanding at face value for all loans was significantly lower than last year.

银行报告称，所有贷款的面值未偿还本金比去年显著降低。

作文

In the world of finance, understanding the terms and concepts that govern transactions is crucial for both investors and borrowers. One such term that stands out is principal outstanding at face value. This phrase refers to the total amount of money that is still owed on a loan or bond, not including any interest or other fees. In simpler terms, it represents the original sum of money that was borrowed or invested, which remains unpaid. Understanding this concept is essential for anyone involved in financial dealings, as it provides clarity on the actual debt or investment that needs to be addressed.When an individual takes out a loan, they are typically given a principal amount, which is the initial sum of money borrowed. Over time, as payments are made, the principal amount decreases. However, there may be times when a borrower wants to know how much they still owe before making a payment. This is where the term principal outstanding at face value comes into play. It allows the borrower to see the exact amount that remains unpaid, giving them a clear picture of their financial obligations.For investors, especially those dealing with bonds, understanding principal outstanding at face value is equally important. When a bond is issued, it has a face value, which is the amount that will be paid back to the bondholder at maturity. If a bondholder sells their bond before it matures, they might receive more or less than the face value, depending on market conditions. However, the principal outstanding at face value remains a critical figure for understanding how much the bondholder can expect to receive at maturity, assuming the bond is held until then.Furthermore, the concept of principal outstanding at face value plays a significant role in assessing the risk associated with loans and investments. Lenders often evaluate the outstanding principal to determine the creditworthiness of a borrower. A high outstanding principal relative to the borrower's income may indicate a higher risk of default, prompting lenders to either deny a loan or charge a higher interest rate. Conversely, a lower outstanding principal suggests that the borrower is managing their debt effectively, which can lead to more favorable lending terms.In summary, the term principal outstanding at face value is a fundamental concept in finance that highlights the importance of understanding one’s financial obligations. Whether you are a borrower trying to manage your debts or an investor looking to assess the value of your investments, knowing the outstanding principal at face value can provide invaluable insights. It helps individuals and organizations make informed decisions regarding their finances, ultimately leading to better financial health and stability. As the financial landscape continues to evolve, having a firm grasp of such terms will empower individuals to navigate their financial journeys with confidence and clarity.

在金融世界中，理解管理交易的术语和概念对投资者和借款人来说至关重要。其中一个突出的术语是面值未偿本金。该短语指的是贷款或债券上仍然欠款的总金额，不包括任何利息或其他费用。简单来说，它代表了借入或投资的原始资金总额，尚未偿还。理解这一概念对于任何参与金融交易的人都是必不可少的，因为它清晰地阐明了需要解决的实际债务或投资。当个人申请贷款时，通常会获得一个本金金额，即初始借入的资金总额。随着时间的推移，随着还款的进行，本金金额会减少。然而，有时借款人想知道在进行付款之前他们还欠多少。这就是面值未偿本金这个术语发挥作用的地方。它使借款人能够看到确切的未偿金额，从而清晰地了解他们的财务义务。对于投资者，尤其是那些处理债券的投资者，理解面值未偿本金同样重要。当一只债券被发行时，它有一个面值，即到期时将支付给债券持有人的金额。如果债券持有人在债券到期之前出售债券，他们可能会根据市场条件收到多于或少于面值的金额。然而，面值未偿本金仍然是理解债券持有人在到期时可以期待收到多少的关键数字，假设债券在那时被持有。此外，面值未偿本金的概念在评估与贷款和投资相关的风险方面发挥着重要作用。贷方通常会评估未偿本金，以确定借款人的信用worthiness。相对于借款人收入的高未偿本金可能表明违约风险更高，这促使贷方要么拒绝贷款，要么收取更高的利率。相反，较低的未偿本金则表明借款人正在有效管理其债务，这可能导致更有利的贷款条款。总之，术语面值未偿本金是金融中的一个基本概念，突显了理解个人财务义务的重要性。无论你是试图管理债务的借款人，还是希望评估投资价值的投资者，了解面值未偿本金都能提供宝贵的见解。它帮助个人和组织在财务上做出明智的决定，最终导致更好的财务健康和稳定。随着金融环境的不断发展，牢牢掌握这些术语将使个人能够自信和清晰地驾驭他们的财务旅程。