unmatured debts

简明释义

未到期债务

英英释义

例句

1.The accounting department needs to keep track of all unmatured debts (未到期债务) to prepare accurate financial statements.

会计部门需要跟踪所有的未到期债务 (未到期债务) 以准备准确的财务报表。

2.During the audit, the auditors found discrepancies related to the unmatured debts (未到期债务) listed in the balance sheet.

在审计过程中，审计员发现与资产负债表中列出的未到期债务 (未到期债务) 相关的差异。

3.Before approving the loan, the bank assessed the client's unmatured debts (未到期债务) to evaluate their repayment capacity.

在批准贷款之前，银行评估了客户的未到期债务 (未到期债务) 以评估其还款能力。

4.Investors are concerned about the unmatured debts (未到期债务) that could affect the company's liquidity in the short term.

投资者对可能影响公司短期流动性的未到期债务 (未到期债务) 感到担忧。

5.The company reported its financial status, highlighting the presence of unmatured debts (未到期债务) that would need to be settled in the upcoming fiscal year.

公司报告了其财务状况，强调了存在的未到期债务 (未到期债务)，这些债务需要在即将到来的财政年度内结清。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about loans and financial obligations is unmatured debts. These are debts that have not yet reached their due date for repayment. In simpler terms, they are amounts of money that a borrower owes to a lender but has not yet been required to pay back. The concept of unmatured debts is essential for both individuals and businesses as it affects cash flow, creditworthiness, and financial planning.For individuals, unmatured debts can include student loans, personal loans, or mortgages that have specific repayment schedules. For instance, if someone takes out a mortgage to buy a house, the loan will typically be repaid over a period of 15 to 30 years. During this time, the outstanding balance on the mortgage is considered unmatured debts until the payment due date arrives. This means that the borrower is not required to make full repayment immediately, allowing them to manage their finances over a longer period.On a larger scale, businesses also deal with unmatured debts through various forms of financing, such as bonds or lines of credit. When a company issues bonds, it borrows money from investors with the promise to pay back the principal amount along with interest at a later date. Until the maturity date of these bonds, the company’s obligation to repay is classified as unmatured debts. Understanding this classification is vital for businesses as it helps them assess their current liabilities and plan for future cash flows.The implications of unmatured debts extend beyond just financial statements. For example, financial institutions often evaluate a borrower’s total debt load, including unmatured debts, when determining creditworthiness. A high level of unmatured debts may indicate potential risk, affecting the borrower’s ability to secure additional loans or favorable interest rates. Thus, managing these debts effectively is critical for maintaining a good credit score and overall financial health.Moreover, the presence of unmatured debts can impact a person’s or a company’s investment strategies. Investors may look at the ratio of unmatured debts to total assets to gauge financial stability. A higher ratio might suggest that a significant portion of the entity’s resources is tied up in debt repayment, which could limit its ability to invest in growth opportunities. Therefore, it is essential for both individuals and companies to monitor their unmatured debts and ensure that they do not become overwhelming.In conclusion, unmatured debts play a critical role in financial management for both individuals and businesses. They represent obligations that have not yet come due and require careful consideration in budgeting and planning. By understanding the implications of unmatured debts, borrowers can better manage their financial commitments and maintain a healthy financial status. Whether through personal loans or corporate bonds, being aware of how unmatured debts affect overall financial health is essential for success in today’s economic landscape.

在金融世界中，理解各种术语对于做出明智的决策至关重要。其中一个常常出现在贷款和财务义务讨论中的术语是未到期债务。这些是尚未到达还款到期日的债务。简单来说，它们是借款人欠贷方但尚未被要求偿还的金额。未到期债务的概念对于个人和企业都非常重要，因为它影响现金流、信用评级和财务规划。对于个人来说，未到期债务可以包括学生贷款、个人贷款或有特定还款计划的抵押贷款。例如，如果某人为了购房而申请抵押贷款，该贷款通常会在15到30年内偿还。在这段时间内，抵押贷款的未偿余额被视为未到期债务，直到到期付款日到来。这意味着借款人不需要立即全额偿还，使他们能够在更长的时间内管理财务。在更大范围内，企业也通过各种融资形式处理未到期债务，例如债券或信用额度。当一家公司发行债券时，它向投资者借钱，并承诺在未来某个日期偿还本金及利息。在这些债券的到期日到来之前，公司的偿还义务被归类为未到期债务。理解这一分类对企业至关重要，因为它帮助他们评估当前的负债并为未来的现金流进行规划。未到期债务的影响不仅限于财务报表。例如，金融机构在确定借款人的信用评级时，通常会评估其总债务负担，包括未到期债务。高水平的未到期债务可能表明潜在风险，从而影响借款人获得额外贷款或优惠利率的能力。因此，有效管理这些债务对于保持良好的信用评分和整体财务健康至关重要。此外，未到期债务的存在可能会影响个人或公司的投资策略。投资者可能会查看未到期债务与总资产的比率，以评估财务稳定性。较高的比率可能表明实体的资源很大一部分被用于债务偿还，这可能限制其投资增长机会的能力。因此，无论是个人还是公司，都必须监控其未到期债务，确保其不会变得难以承受。总之，未到期债务在个人和企业的财务管理中扮演着重要角色。它们代表尚未到期的义务，需要在预算和规划中仔细考虑。通过理解未到期债务的影响，借款人可以更好地管理其财务承诺，并保持良好的财务状况。无论是通过个人贷款还是公司债券，意识到未到期债务如何影响整体财务健康对于在当今经济环境中取得成功至关重要。