interest received; interest earned

简明释义

已取得的利息

英英释义

例句

1.At the end of the fiscal year, the company reported interest received from its bonds, amounting to a significant sum, which refers to 收到的利息.

在财政年度结束时，公司报告了其债券的收到的利息，金额相当可观。

2.The accountant calculated the total interest received for all accounts to prepare the financial report, meaning 收到的利息.

会计计算了所有账户的总收到的利息以准备财务报告。

3.Investors are keen to know how much interest earned they can expect from their fixed deposits, which means 获得的利息.

投资者渴望了解他们可以从定期存款中预期获得多少获得的利息。

4.She was pleased to see that her savings account generated more interest earned than last year, indicating a good return on investment, which means 获得的利息.

她很高兴看到她的储蓄账户产生的获得的利息比去年多，表明投资回报良好。

5.The bank statement shows the total interest received for the month, which is 收到的利息.

银行对账单显示本月的总收到的利息，即interest received.

作文

Understanding financial terms is crucial for anyone looking to manage their money effectively. One such term that often causes confusion is the difference between interest received and interest earned. Both phrases relate to the concept of interest in finance, but they represent different aspects of financial transactions. In this essay, I will explore these terms in detail and explain their significance in personal finance.To begin with, interest received refers to the actual money that a person or organization receives as payment for lending money or for holding an interest-bearing account. For example, if you have a savings account in a bank that pays you interest, the amount of money you receive from the bank at the end of the month or year is considered interest received. This is the tangible income that you can use or reinvest.On the other hand, interest earned encompasses the total amount of interest that accumulates on an investment or loan over a specific period, regardless of whether it has been paid out yet. For instance, if you have invested in a bond that pays interest annually, the total interest that the bond will generate over its life is referred to as interest earned. This term emphasizes the potential income that can be generated from an investment, even if it is not yet realized in cash form.The distinction between interest received and interest earned is particularly important for individuals who are managing investments or savings accounts. When preparing tax returns, for example, individuals must report interest received as part of their taxable income. This means that the money actually received during the tax year counts towards what one owes in taxes. Conversely, interest earned might not be taxed until it is realized, which can provide some strategic advantages in tax planning.Moreover, understanding these terms can help individuals make better financial decisions. For instance, if someone is considering taking out a loan, knowing the interest earned on their savings can influence their decision. If the interest received from a savings account is lower than the interest earned on a loan, it may not be wise to borrow money, as the cost of borrowing could outweigh any benefits.In conclusion, grasping the concepts of interest received and interest earned is essential for effective financial management. While interest received represents the actual cash inflow from interest payments, interest earned reflects the overall potential income from investments. By understanding these distinctions, individuals can make informed decisions about their finances, optimize their tax situations, and ultimately enhance their financial well-being. As one navigates the complexities of personal finance, keeping these terms in mind will undoubtedly aid in achieving financial goals and securing a stable economic future.

理解金融术语对于任何希望有效管理自己资金的人来说都是至关重要的。一个常常引起混淆的术语是利息收入和利息赚取之间的区别。这两个短语都与金融中的利息概念有关，但它们代表金融交易的不同方面。在这篇文章中，我将详细探讨这些术语并解释它们在个人财务中的重要性。首先，利息收入指的是个人或组织因借出资金或持有带息账户而实际收到的款项。例如，如果你在银行有一个储蓄账户，该账户给你支付利息，那么你在每个月或每年末从银行收到的金额就被认为是利息收入。这是你可以使用或再投资的实际收入。另一方面，利息赚取则包括在特定期间内，投资或贷款上累积的总利息金额，无论它是否已经支付。例如，如果你投资于一只每年支付利息的债券，那么该债券在其生命周期内产生的总利息称为利息赚取。这个术语强调了可以从投资中产生的潜在收入，即使它尚未以现金形式实现。区分利息收入和利息赚取对于管理投资或储蓄账户的个人尤为重要。例如，在准备报税时，个人必须将利息收入作为应纳税收入的一部分报告。这意味着在纳税年度实际收到的款项将计入应纳税额。相反，利息赚取可能在实现之前不需要缴税，这在税务规划中可以提供一些战略优势。此外，理解这些术语可以帮助个人做出更好的财务决策。例如，如果某人考虑申请贷款，了解他们储蓄的利息赚取可能会影响他们的决定。如果利息收入低于贷款的利息赚取，那么借款可能不是明智之举，因为借款的成本可能超过任何收益。总之，掌握利息收入和利息赚取的概念对于有效的财务管理至关重要。当利息收入代表来自利息支付的实际现金流入时，利息赚取反映了投资的整体潜在收入。通过理解这些区别，个人可以就财务做出明智的决策，优化税务状况，并最终增强财务健康。在应对个人财务的复杂性时，牢记这些术语无疑将有助于实现财务目标并确保稳定的经济未来。