time discount

简明释义

在期限内付款时可享受的优待折扣

英英释义

例句

1.In project management, a time discount can help prioritize tasks that yield quicker results.

在项目管理中，时间折现可以帮助优先处理能更快产生结果的任务。

2.Investors often apply a time discount to future cash flows to determine their present value.

投资者通常对未来现金流应用时间折现以确定其现值。

3.In behavioral economics, people often underestimate the importance of time discount when making decisions.

在行为经济学中，人们在做决定时往往低估了时间折现的重要性。

4.When evaluating real estate investments, a time discount is crucial for understanding long-term returns.

在评估房地产投资时，时间折现对于理解长期回报至关重要。

5.Many businesses use a time discount to assess the profitability of different projects over time.

许多企业使用时间折现来评估不同项目随时间的盈利能力。

作文

The concept of time discount is crucial in understanding how individuals and businesses make decisions regarding investments and consumption. In simple terms, time discount refers to the idea that people value immediate rewards more highly than future rewards. This principle is often illustrated through examples involving money, where receiving a certain amount today is perceived as more valuable than receiving the same amount at a later date. This phenomenon can be explained by several factors, including inflation, uncertainty, and the inherent human tendency to prefer instant gratification.To elaborate, let’s consider a practical scenario. Imagine you have the option to receive $100 today or $100 a year from now. Most people would choose to take the money today. The reason behind this choice is rooted in the time discount principle; the immediate availability of cash allows for investment opportunities, consumption, or savings that can generate additional income. Furthermore, there is an implicit risk associated with waiting for future payments, such as the possibility of unforeseen circumstances that could prevent the expected payment from being delivered.In financial terms, time discount is often quantified using a discount rate, which represents the rate at which future cash flows are discounted back to their present value. For instance, if an investor anticipates receiving $1,000 in five years, they would apply a discount rate to determine how much that future sum is worth today. The higher the discount rate, the less value is assigned to future cash flows. This mathematical approach helps investors make informed decisions about where to allocate their resources effectively.Moreover, the time discount concept extends beyond finance into behavioral economics and psychology. Researchers have found that individuals often struggle with self-control when it comes to delaying gratification. This struggle can lead to poor decision-making, such as overspending or failing to save for retirement. Understanding time discount can help individuals recognize their tendencies and develop strategies to overcome impulsive behaviors. For example, setting up automatic savings plans can mitigate the temptation to spend money immediately, thereby allowing individuals to benefit from long-term financial growth.In the realm of public policy, acknowledging the implications of time discount is essential for effective decision-making. Policymakers must consider how current actions will affect future generations. For instance, environmental policies aimed at combating climate change often require significant investments today for benefits that may not materialize for decades. If policymakers apply a high time discount, they might undervalue the importance of these investments, leading to detrimental outcomes for future populations.In conclusion, the concept of time discount plays a vital role in various aspects of life, from personal finance to public policy. By recognizing the tendency to favor immediate rewards over future benefits, individuals and organizations can make better-informed decisions that align with their long-term goals. Understanding and applying the principles of time discount can ultimately lead to more prudent financial management and a greater appreciation for the importance of investing in the future.

时间折扣的概念在理解个人和企业如何做出投资和消费决策时至关重要。简单来说，时间折扣指的是人们更看重即时奖励而非未来奖励的想法。这一原则常通过涉及金钱的例子来说明，即今天收到一定金额被认为比在未来某个时间收到相同金额更有价值。这种现象可以通过几个因素来解释，包括通货膨胀、不确定性以及人类固有的即时满足倾向。为了详细说明，让我们考虑一个实际场景。假设你可以选择今天收到100美元或一年后收到100美元。大多数人会选择今天拿到钱。这个选择背后的原因根植于时间折扣原则；现金的即时可用性允许进行投资机会、消费或储蓄，这些都能产生额外收入。此外，等待未来付款存在隐含风险，例如可能出现的不可预见情况，可能阻止预计的付款到达。在金融术语中，时间折扣通常使用折现率来量化，该折现率表示未来现金流的折现回现值的比率。例如，如果一个投资者预计在五年内收到1000美元，他们会应用折现率来确定该未来金额今天的价值。折现率越高，未来现金流的价值就越低。这种数学方法帮助投资者有效地做出资源配置的明智决策。此外，时间折扣概念不仅扩展到金融领域，还涉及行为经济学和心理学。研究人员发现，个人在延迟满足方面往往难以自控。这种挣扎可能导致糟糕的决策，例如过度消费或未能为退休储蓄。理解时间折扣可以帮助个人认识到自己的倾向，并制定克服冲动行为的策略。例如，设置自动储蓄计划可以减轻立即花钱的诱惑，从而使个人能够从长期财务增长中受益。在公共政策领域，承认时间折扣的影响对于有效决策至关重要。政策制定者必须考虑当前行动将如何影响未来几代人。例如，旨在应对气候变化的环境政策往往需要今天进行重大投资，以便在几十年后获得收益。如果政策制定者应用高时间折扣，他们可能会低估这些投资的重要性，从而导致对未来人口的不利结果。总之，时间折扣的概念在生活的各个方面发挥着至关重要的作用，从个人财务到公共政策。通过认识到偏好即时奖励而非未来利益的倾向，个人和组织可以做出更明智的决策，与其长期目标保持一致。理解和应用时间折扣的原则最终可以导致更谨慎的财务管理，以及对投资未来重要性的更大认识。