debt service

简明释义

债务还本付息

英英释义

例句

1.The government has announced measures to support businesses struggling with their debt service 债务服务 payments.

政府已宣布措施，以支持在其债务服务 debt service 付款上遇到困难的企业。

2.Investors are concerned about the firm's ability to meet its debt service 债务服务 obligations.

投资者对该公司履行其债务服务 debt service 义务的能力表示担忧。

3.A high debt service 债务服务 ratio can indicate financial distress.

高债务服务 debt service 比率可能表明财务困境。

4.To improve profitability, the company is looking to refinance its debt service 债务服务 loans.

为了提高盈利能力，公司正在寻求再融资其债务服务 debt service 贷款。

5.The company's monthly debt service 债务服务 payments are putting a strain on its cash flow.

公司的每月债务服务 debt service 付款给其现金流带来了压力。

作文

Debt service is a crucial financial term that refers to the cash required to cover the repayment of interest and principal on a debt for a particular period. Understanding debt service is essential for both individuals and businesses because it directly impacts their financial health and stability. For individuals, managing debt service effectively means ensuring that they can meet their monthly obligations without falling into financial distress. For businesses, it is equally important as it determines their ability to invest in growth opportunities while maintaining a healthy balance sheet.When individuals take out loans, whether for a home mortgage, a car loan, or credit card debt, they commit to a schedule of payments that includes both interest and principal repayments. The sum of these payments is what constitutes their debt service. If an individual’s income is not sufficient to cover their debt service, they may face serious financial consequences, including late fees, penalties, and even bankruptcy.On the other hand, businesses often have more complex debt service obligations due to multiple loans, bonds, and lines of credit. Companies must maintain a careful balance between leveraging debt to finance expansion and ensuring that their debt service does not exceed their operating income. A common metric used to assess this balance is the debt service coverage ratio (DSCR), which compares a company’s net operating income to its total debt service. A DSCR of less than one indicates that a company does not generate enough income to cover its debt service, which could lead to default and potential insolvency.In today’s economy, understanding debt service is more important than ever. With fluctuating interest rates and increasing levels of personal and corporate debt, individuals and businesses alike must be vigilant about their financial commitments. The ability to manage debt service effectively can determine whether a person or a company thrives or merely survives.Moreover, economic downturns can significantly affect debt service capabilities. During recessions, people may lose jobs, and businesses may see a decline in revenue, making it challenging to meet debt service obligations. This reality highlights the importance of having a solid financial plan that includes an emergency fund and strategies for reducing debt before a crisis hits.In conclusion, debt service plays a vital role in financial management for both individuals and businesses. By understanding how to calculate and manage debt service, one can make informed decisions that contribute to long-term financial success. It is crucial to keep track of all debts and ensure that income levels are sufficient to cover debt service requirements. Those who prioritize this aspect of their finances are more likely to achieve stability and growth in their financial journeys.

债务服务是一个重要的金融术语，指的是在特定时期内覆盖债务利息和本金偿还所需的现金。理解债务服务对个人和企业来说至关重要，因为它直接影响到他们的财务健康和稳定性。对于个人而言，有效管理债务服务意味着确保他们能够按时履行每月的义务，而不陷入财务困境。对于企业而言，这同样重要，因为它决定了他们在保持健康资产负债表的同时，是否有能力投资于增长机会。当个人贷款时，无论是房屋抵押贷款、汽车贷款还是信用卡债务，他们都承诺按照规定的还款计划进行支付，包括利息和本金偿还。这些支付的总和构成了他们的债务服务。如果个人的收入不足以覆盖其债务服务，他们可能会面临严重的财务后果，包括滞纳金、罚款甚至破产。另一方面，企业通常有更复杂的债务服务义务，因为它们可能有多项贷款、债券和信用额度。公司必须在利用债务融资扩张与确保其债务服务不超过经营收入之间保持谨慎的平衡。一个常用的指标是债务服务覆盖比率（DSCR），它将公司的净营业收入与其总债务服务进行比较。DSCR低于1表示公司没有产生足够的收入来覆盖其债务服务，这可能导致违约和潜在的破产。在当今经济中，理解债务服务比以往任何时候都更加重要。随着利率波动和个人及企业债务水平的上升，个人和企业都必须警惕自己的财务承诺。有效管理债务服务的能力可以决定一个人或公司是繁荣还是仅仅生存。此外，经济衰退可能会显著影响债务服务的能力。在经济衰退期间，人们可能失去工作，企业可能会看到收入下降，使得满足债务服务义务变得具有挑战性。这一现实突显了制定稳健财务计划的重要性，其中包括应急基金和在危机发生之前减少债务的策略。总之，债务服务在个人和企业的财务管理中发挥着至关重要的作用。通过理解如何计算和管理债务服务，人们可以做出明智的决策，从而促进长期的财务成功。跟踪所有债务并确保收入水平足以覆盖债务服务要求是至关重要的。那些优先考虑这一财务方面的人，更有可能在财务旅程中实现稳定和增长。