long maturities

简明释义

远期到期

英英释义

例句

1.In a low-interest-rate environment, many investors are seeking long maturities to lock in current rates.

在低利率环境下，许多投资者寻求长期到期的投资，以锁定当前利率。

2.Pension funds often invest in assets with long maturities to match their long-term liabilities.

养老基金通常投资于长期到期的资产，以匹配其长期负债。

3.Investors often prefer bonds with long maturities because they provide a stable income over time.

投资者通常更喜欢长期到期的债券，因为它们能够提供稳定的收入。

4.The risk associated with long maturities is that interest rates may rise, leading to lower bond prices.

与长期到期相关的风险是利率可能上升，从而导致债券价格下降。

5.Companies may issue debt with long maturities to finance large projects without immediate repayment pressure.

公司可能会发行长期到期的债务，以资助大型项目，而不必面临立即还款的压力。

作文

In the world of finance, the term long maturities refers to financial instruments that have an extended period before they reach their due date. This can include bonds, loans, or other debt securities that typically mature in ten years or more. The concept of long maturities is crucial for investors and borrowers alike, as it has significant implications for risk management, interest rates, and investment strategies.One of the primary advantages of investing in instruments with long maturities is the potential for higher yields. Generally, the longer the maturity, the higher the risk associated with the investment, which is why investors often demand a higher return. This can be particularly appealing in a low-interest-rate environment, where short-term investments may yield minimal returns. For instance, a 30-year bond might offer a significantly higher interest rate compared to a 2-year bond, attracting those willing to commit their capital for a longer duration.However, with the benefits of long maturities come certain risks. One of the most notable risks is interest rate risk. If interest rates rise after an investor purchases a long-maturity bond, the market value of that bond will decrease. This is because new bonds are likely issued at higher rates, making the older bonds less attractive. Therefore, investors must carefully consider their outlook on interest rates when investing in long-maturity instruments.Another risk associated with long maturities is credit risk. Over an extended period, the financial health of the issuer can change dramatically. For example, a corporation that is stable today may face financial difficulties in the future, affecting its ability to repay its debts. This uncertainty means that investors must conduct thorough research and analysis before committing to long-term investments.From a borrower’s perspective, taking out loans with long maturities can provide a sense of security and stability. Borrowers can spread their repayments over a more extended period, which can lower monthly payments and improve cash flow management. This is particularly beneficial for large purchases, such as homes or commercial properties, where the total cost can be substantial. However, borrowers should be cautious of the total interest paid over the life of the loan, as longer maturities often lead to higher overall interest costs.In conclusion, the concept of long maturities plays a vital role in financial markets. While they can offer attractive yields and manageable repayment terms, they also come with inherent risks that both investors and borrowers must navigate. Understanding the implications of long maturities is essential for making informed financial decisions. As the economic landscape continues to evolve, so too will the strategies surrounding long-term investments and financing options. Ultimately, whether one is investing or borrowing, a comprehensive understanding of long maturities can lead to better financial outcomes and enhanced risk management strategies.

在金融世界中，术语长期到期指的是在到期日之前有较长时间的金融工具。这可以包括债券、贷款或其他通常在十年或更长时间内到期的债务证券。长期到期的概念对于投资者和借款人来说都至关重要，因为它对风险管理、利率和投资策略具有重要影响。投资于具有长期到期的工具的主要优势之一是潜在的更高收益。一般而言，期限越长，投资相关的风险就越高，这就是为什么投资者通常要求更高的回报。这在低利率环境中特别吸引人，因为短期投资可能产生微薄的回报。例如，30年期债券可能提供显著高于2年期债券的利率，从而吸引那些愿意将资本投入更长时间的投资者。然而，与长期到期的好处相伴随的是某些风险。其中最显著的风险是利率风险。如果在投资者购买长期债券后利率上升，该债券的市场价值将下降。这是因为新债券可能以更高的利率发行，使得旧债券的吸引力降低。因此，投资者在投资长期工具时必须仔细考虑他们对利率的展望。与长期到期相关的另一个风险是信用风险。在较长的时间内，发行者的财务状况可能会发生剧烈变化。例如，一个今天稳定的公司在未来可能面临财务困难，从而影响其偿还债务的能力。这种不确定性意味着投资者在承诺长期投资之前必须进行彻底的研究和分析。从借款人的角度来看，选择具有长期到期的贷款可以提供安全感和稳定性。借款人可以在更长的时间内分摊还款，这可以降低每月付款并改善现金流管理。这对大额购买（如房屋或商业地产）特别有利，因为总成本可能相当可观。然而，借款人应谨慎考虑贷款生命周期内支付的总利息，因为较长的到期通常会导致更高的总利息成本。总之，长期到期的概念在金融市场中发挥着重要作用。尽管它们可以提供有吸引力的收益和可管理的还款条款，但它们也伴随着固有的风险，投资者和借款人都必须应对。理解长期到期的影响对于做出明智的财务决策至关重要。随着经济环境的不断演变，围绕长期投资和融资选项的策略也将随之变化。最终，无论是投资还是借款，对长期到期的全面理解都可以带来更好的财务结果和增强的风险管理策略。