liquidity; repayment ability

简明释义

债偿力

英英释义

例句

1.Maintaining good liquidity; repayment ability is crucial for small businesses.

保持良好的流动性；还款能力对小型企业至关重要。

2.The bank assesses the company's liquidity; repayment ability before approving the loan.

银行在批准贷款之前评估公司的流动性；还款能力。

3.Financial analysts use ratios to evaluate a company's liquidity; repayment ability.

财务分析师使用比率来评估公司的流动性；还款能力。

4.Investors are often concerned about a firm's liquidity; repayment ability during economic downturns.

投资者在经济衰退期间往往关注公司的流动性；还款能力。

5.A high level of liquidity; repayment ability can attract more investors to a business.

高水平的流动性；还款能力可以吸引更多投资者进入企业。

作文

In today's fast-paced financial world, understanding the concepts of liquidity and repayment ability is crucial for both individuals and businesses. Liquidity refers to the ease with which an asset can be converted into cash without significantly affecting its price. It is a key factor in assessing the financial health of an entity. For instance, companies with high liquidity can quickly access cash to meet their short-term obligations, which is essential for maintaining operations and ensuring stability. On the other hand, low liquidity can lead to difficulties in covering immediate expenses, potentially resulting in financial distress or insolvency.Moreover, repayment ability pertains to an individual's or organization's capacity to repay borrowed funds within the agreed terms. This concept is particularly important when considering loans, mortgages, or any form of credit. Lenders often evaluate a borrower's repayment ability by analyzing their income, existing debts, and overall financial situation. A strong repayment ability indicates that a borrower is likely to fulfill their financial commitments, which can lead to better loan terms and lower interest rates.The interrelationship between liquidity and repayment ability cannot be overstated. An entity with sufficient liquidity is better positioned to demonstrate strong repayment ability. For example, if a business has ample cash reserves, it can easily manage its debt obligations, thereby enhancing its creditworthiness. Conversely, a lack of liquidity can strain a borrower’s repayment ability, as they may struggle to make timely payments, leading to a negative impact on their credit score and future borrowing prospects.In personal finance, individuals must also consider these factors. Maintaining a healthy level of liquidity through savings or liquid investments can provide a safety net in emergencies, ensuring that one can meet unexpected expenses without resorting to high-interest loans. Additionally, understanding one's repayment ability before taking on new debt is vital. Individuals should assess their monthly income against their expenses and existing debt obligations to determine how much additional debt they can responsibly manage.In conclusion, both liquidity and repayment ability play significant roles in financial management. By prioritizing liquidity, individuals and businesses can ensure they have the necessary resources to meet their obligations, while a solid understanding of repayment ability helps in making informed borrowing decisions. Together, these concepts contribute to long-term financial stability and success, allowing entities to navigate the complexities of the financial landscape with confidence.

在当今快速发展的金融世界中，理解“流动性”和“偿还能力”这两个概念对个人和企业都至关重要。“流动性”是指资产转化为现金的难易程度，而不会显著影响其价格。它是评估实体财务健康状况的关键因素。例如，拥有高“流动性”的公司可以迅速获得现金以满足短期义务，这对维持运营和确保稳定至关重要。另一方面，低“流动性”可能导致覆盖即时开支的困难，可能导致财务困境或破产。此外，“偿还能力”涉及个人或组织在约定条款内偿还借款的能力。这个概念在考虑贷款、抵押贷款或任何形式的信用时尤为重要。贷方通常通过分析借款人的收入、现有债务和整体财务状况来评估其“偿还能力”。强大的“偿还能力”表明借款人很可能履行其财务承诺，这可能导致更好的贷款条件和更低的利率。“流动性”和“偿还能力”之间的相互关系不容小觑。一个具有足够“流动性”的实体更能展现出强大的“偿还能力”。例如，如果一家企业拥有充足的现金储备，它可以轻松管理其债务义务，从而增强其信用度。相反，缺乏“流动性”可能会给借款人的“偿还能力”带来压力，因为他们可能难以按时还款，导致信用评分下降，未来借款前景受损。在个人财务方面，个人也必须考虑这些因素。通过储蓄或流动投资保持健康的“流动性”水平可以在紧急情况下提供安全网，确保在没有高利贷的情况下能够应对意外开支。此外，在承担新债务之前，了解自己的“偿还能力”至关重要。个人应评估其每月收入与支出及现有债务的关系，以确定可以负责任地管理多少额外债务。总之，“流动性”和“偿还能力”在财务管理中扮演着重要角色。通过优先考虑“流动性”，个人和企业可以确保拥有必要的资源来满足其义务，而对“偿还能力”的深刻理解有助于做出明智的借款决策。这两个概念共同促进了长期的财务稳定和成功，使实体能够自信地应对复杂的金融环境。