debt; liabilities; engagement; indebtedness

简明释义

债务

英英释义

Debt refers to an amount of money borrowed by one party from another, which is expected to be paid back with interest.

债务是指一方从另一方借入的金额，预计将连同利息一起偿还。

Liabilities are financial obligations or debts that a company or individual owes to others, typically settled over time through the transfer of economic benefits.

负债是公司或个人对他人的财务义务或债务，通常通过经济利益的转移在一段时间内偿还。

Engagement in a financial context can refer to a commitment or obligation to fulfill a contract or agreement, often involving financial transactions.

在财务背景下，参与可以指履行合同或协议的承诺或义务，通常涉及财务交易。

Indebtedness is the state of being in debt, particularly when it refers to a situation where an individual or organization owes money and is obligated to repay it.

负债状态是指处于债务中的状态，特别是指个人或组织欠款并有义务偿还的情况。

例句

1.His engagement (参与) in community service has inspired many others to volunteer.

他对社区服务的参与激励了许多人去做志愿者。

2.Living with indebtedness (负债状态) can be stressful, but there are ways to manage it effectively.

生活在负债状态中可能会很有压力，但有有效的方法来管理它。

3.After years of hard work, she finally paid off her debt (债务) and felt a huge relief.

经过多年的努力，她终于还清了她的债务，感到非常轻松。

4.The company's liabilities (负债) exceeded its assets, putting it at risk of bankruptcy.

该公司的负债超过了其资产，使其面临破产的风险。

5.She took out a loan to cover her debt (债务) from college tuition.

她申请了一笔贷款来支付她的大学学费债务。

作文

Understanding the concepts of debt (债务), liabilities (负债), engagement (参与), and indebtedness (欠债状态) is crucial for anyone looking to manage their finances effectively. In today's world, financial literacy has become a necessity rather than a luxury. Many individuals find themselves overwhelmed by the complexities of personal finance, and terms like debt, liabilities, engagement, and indebtedness can often create confusion. This essay aims to clarify these terms and illustrate their significance in financial planning.Firstly, debt refers to money that is borrowed and must be repaid, typically with interest. It can take various forms, such as credit card balances, student loans, mortgages, and personal loans. Understanding debt is essential because it affects an individual's credit score and overall financial health. Too much debt can lead to financial strain, causing stress and limiting one's ability to invest or save for the future. Therefore, managing debt wisely is a fundamental aspect of financial literacy.Next, liabilities encompass all financial obligations a person or organization owes to others. This includes debt but also extends to other commitments such as unpaid bills, taxes owed, and any other legal obligations. By understanding liabilities, individuals can assess their financial standing more accurately. A high level of liabilities compared to assets can indicate potential financial trouble, prompting the need for strategic planning and management.The term engagement in finance often refers to the involvement or commitment one has towards managing their financial situation. This could mean actively participating in budgeting, investing, or seeking financial advice. Being engaged with one's finances allows individuals to make informed decisions, avoid unnecessary debt, and reduce liabilities. Financial engagement is not just about making money; it's about understanding how to manage what you have effectively.Lastly, indebtedness describes the state of being in debt. It's a broader concept that reflects not only the amount of debt one carries but also the implications it has on a person's life. High levels of indebtedness can lead to serious consequences, including damaged credit scores, increased stress, and limited financial freedom. Recognizing the signs of excessive indebtedness is vital for taking proactive steps to regain control over one's finances.In conclusion, the terms debt, liabilities, engagement, and indebtedness are interconnected and play significant roles in financial management. By developing a clear understanding of these concepts, individuals can better navigate their financial journeys. Taking charge of debt and liabilities, fostering financial engagement, and addressing indebtedness proactively are essential steps toward achieving financial stability and success. As we continue to educate ourselves about personal finance, we empower ourselves to make better choices for our financial futures.

理解债务、负债、参与和欠债状态这些概念对于任何希望有效管理财务的人来说都是至关重要的。在当今世界，金融素养已经成为一种必要，而非奢侈。许多人发现自己被个人财务的复杂性所压倒，而像债务、负债、参与和欠债状态这样的术语常常会造成困惑。本文旨在澄清这些术语并说明它们在财务规划中的重要性。首先，债务是指借入的钱，必须偿还，通常还要支付利息。它可以采取各种形式，例如信用卡余额、学生贷款、抵押贷款和个人贷款。理解债务是至关重要的，因为它影响个人的信用评分和整体财务健康。过多的债务可能导致财务压力，造成压力，并限制一个人投资或储蓄未来的能力。因此，明智地管理债务是金融素养的基本方面。接下来，负债包括个人或组织欠他人的所有财务义务。这不仅包括债务，还扩展到其他承诺，如未支付的账单、应缴税款以及任何其他法律义务。通过理解负债，个人可以更准确地评估他们的财务状况。相对于资产来说，高水平的负债可能表明潜在的财务问题，促使需要战略规划和管理。在金融领域，参与一词通常指的是一个人在管理其财务状况方面的参与或承诺。这可能意味着积极参与预算、投资或寻求财务建议。与个人财务的互动使个人能够做出明智的决策，避免不必要的债务，并减少负债。金融参与不仅仅是赚钱；而是了解如何有效管理你拥有的东西。最后，欠债状态描述了处于债务中的状态。它是一个更广泛的概念，反映了一个人所承担的债务金额以及它对生活的影响。高水平的欠债状态可能导致严重后果，包括信用评分受损、压力增加和财务自由度有限。认识到过度的欠债状态的迹象对于采取主动措施重新掌控财务至关重要。总之，债务、负债、参与和欠债状态这些术语是相互关联的，并在财务管理中发挥着重要作用。通过明确理解这些概念，个人可以更好地导航他们的财务旅程。掌控债务和负债，促进财务参与，并主动解决欠债状态是实现财务稳定和成功的关键步骤。随着我们继续教育自己关于个人财务的知识，我们赋予自己做出更好选择以实现财务未来的能力。