debt ratio

简明释义

债务比率

英英释义

例句

1.A high debt ratio 负债比率 might signal potential trouble for a business in times of economic downturn.

高debt ratio 负债比率 可能在经济衰退时期预示着企业潜在的问题。

2.A debt ratio 负债比率 below 0.5 is generally considered financially healthy.

低于0.5的debt ratio 负债比率 通常被认为是财务健康的表现。

3.Investors often look at the debt ratio 负债比率 to assess the financial risk of a company.

投资者通常查看debt ratio 负债比率 来评估公司的财务风险。

4.To improve its debt ratio 负债比率, the firm plans to pay off some of its outstanding loans.

为了改善其debt ratio 负债比率，该公司计划偿还部分未偿贷款。

5.The company's debt ratio 负债比率 indicates that it has taken on a significant amount of debt relative to its assets.

该公司的debt ratio 负债比率 表明它相对于其资产承担了大量债务。

作文

Understanding the concept of debt ratio is crucial for both individuals and businesses. The debt ratio, defined as the ratio of total debt to total assets, provides a clear picture of a company's financial health. It indicates what portion of a company's assets is financed through debt. A higher debt ratio suggests that a larger share of the company’s assets is funded by borrowing, which can imply increased financial risk. Conversely, a lower debt ratio indicates that the company relies less on debt for financing its assets, which may suggest greater financial stability.For investors, understanding the debt ratio is essential when evaluating potential investments. A company with a high debt ratio may face difficulties in times of economic downturn, as it might struggle to meet its debt obligations. Investors typically look for a debt ratio that falls within a reasonable range, often below 0.5, meaning that less than half of the company's assets are financed by debt. This can provide a sense of security, indicating that the company is not overly reliant on borrowed funds.In personal finance, the debt ratio can also play a significant role. Individuals can calculate their own debt ratio by dividing their total liabilities by their total assets. This calculation helps individuals assess their financial standing and determine whether they are living within their means. A high personal debt ratio can signal potential financial trouble, making it essential for individuals to manage their debts wisely.Moreover, lenders often use the debt ratio to evaluate the creditworthiness of borrowers. When applying for a loan, potential borrowers may be required to disclose their debt ratio. Lenders prefer to see a lower debt ratio, as it indicates that the borrower has a manageable level of debt compared to their assets. A high debt ratio could result in loan denial or higher interest rates due to perceived risk.In conclusion, the debt ratio is a vital financial metric that serves multiple purposes in both corporate and personal finance. Understanding how to calculate and interpret the debt ratio can empower individuals and businesses to make informed financial decisions. Whether one is an investor assessing a company's viability, a borrower seeking a loan, or an individual managing personal finances, awareness of the debt ratio is essential for achieving financial health and stability.

理解债务比率的概念对个人和企业都至关重要。债务比率被定义为总债务与总资产的比率，它提供了公司财务健康状况的清晰图景。它表明公司资产中有多少部分是通过债务融资的。较高的债务比率表明公司资产的较大份额是通过借款资助的，这可能意味着财务风险增加。相反，较低的债务比率表明公司在融资其资产时较少依赖债务，这可能表明更大的财务稳定性。对于投资者而言，理解债务比率在评估潜在投资时至关重要。具有高债务比率的公司在经济低迷时期可能面临困难，因为它可能难以满足其债务义务。投资者通常会寻找低于0.5的债务比率，这意味着公司的资产中不到一半是由债务融资的。这可以提供一种安全感，表明公司并没有过度依赖借入资金。在个人财务中，债务比率也可以发挥重要作用。个人可以通过将其总负债除以总资产来计算自己的债务比率。这个计算帮助个人评估其财务状况，并确定他们是否在量入为出。较高的个人债务比率可能预示着潜在的财务困境，因此个人必须明智地管理他们的债务。此外，贷方通常使用债务比率来评估借款人的信用worthiness。在申请贷款时，潜在借款人可能需要披露其债务比率。贷方更喜欢看到较低的债务比率，因为这表明借款人相对于其资产拥有可管理的债务水平。较高的债务比率可能导致贷款被拒绝或由于风险感知而提高利率。总之，债务比率是一个重要的财务指标，在企业和个人财务中都有多重用途。理解如何计算和解释债务比率可以使个人和企业能够做出明智的财务决策。无论是投资者评估公司的可行性，借款人寻求贷款，还是个人管理个人财务，意识到债务比率对于实现财务健康和稳定至关重要。