fixed charge

简明释义

固定电荷

英英释义

例句

1.In real estate, landlords often impose a fixed charge 固定费用 for maintenance services.

在房地产中，房东通常会对维护服务收取fixed charge 固定费用。

2.Many mobile phone plans have a fixed charge 固定费用 regardless of usage.

许多手机套餐都有一个和使用量无关的fixed charge 固定费用。

3.The internet service provider has a fixed charge 固定费用 for installation.

互联网服务提供商收取安装的fixed charge 固定费用。

4.The monthly utility bill includes a fixed charge 固定费用 for service maintenance.

每月的水电费账单中包含一项用于服务维护的fixed charge 固定费用。

5.The gym membership has an annual fixed charge 固定费用 that covers all facilities.

健身房的会员资格有一个年度的fixed charge 固定费用，涵盖所有设施。

作文

In the world of finance and economics, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about loans and credit is fixed charge. A fixed charge refers to a type of security interest that a lender has over specific assets of a borrower. This means that if the borrower defaults on their obligations, the lender has the right to take possession of those assets to recover the amount owed. In contrast to floating charges, which can change as the borrower's assets fluctuate, a fixed charge is attached to particular assets that remain constant until the debt is settled.The significance of a fixed charge becomes evident when considering its implications for both parties involved. For lenders, having a fixed charge provides a sense of security. They know that in the event of default, they have a claim to specific assets that can be liquidated to cover the outstanding debt. This reduces the risk associated with lending, allowing financial institutions to offer loans at potentially lower interest rates.On the other hand, borrowers must understand that agreeing to a fixed charge can limit their flexibility. When a lender places a fixed charge on an asset, that asset cannot be sold or transferred without the lender's consent. This can hinder a business's ability to operate freely, especially if the charged asset is critical to its operations. For instance, if a manufacturing company has a fixed charge on its machinery, it cannot sell that machinery to raise funds without first addressing the loan obligations.Moreover, the presence of a fixed charge can influence a company's credit rating. Financial analysts often look at the level of secured debt when assessing a company's financial health. A company with a high level of fixed charge debt may be viewed as riskier because it indicates that a significant portion of its assets is encumbered. This perception can affect the company’s ability to secure additional financing in the future.In conclusion, the term fixed charge plays a vital role in the realm of secured lending. It provides lenders with assurance while simultaneously imposing restrictions on borrowers. Understanding the implications of a fixed charge is essential for anyone involved in financial transactions, whether they are lenders assessing risk or borrowers seeking funding. By grasping the nuances of this term, individuals and businesses can navigate the complexities of financing more effectively and make choices that align with their financial goals.

在金融和经济的世界中，理解各种术语对做出明智的决策至关重要。在关于贷款和信贷的讨论中，一个经常出现的术语是固定费用。固定费用指的是贷方对借方特定资产的一种担保权益。这意味着，如果借方未能履行其义务，贷方有权占有这些资产以收回所欠款项。与浮动费用不同，浮动费用会随着借方资产的波动而变化，而固定费用则附加在特定资产上，这些资产在债务结清之前保持不变。固定费用的重要性在考虑双方的影响时变得显而易见。对于贷方来说，拥有固定费用提供了一种安全感。他们知道，在违约的情况下，他们对可以变现的特定资产拥有索赔权。这降低了与贷款相关的风险，使金融机构能够以可能较低的利率提供贷款。另一方面，借方必须理解，同意固定费用可能会限制他们的灵活性。当贷方对某项资产施加固定费用时，该资产在未经贷方同意的情况下不能被出售或转让。这可能会妨碍企业的自由运作，尤其是当被抵押的资产对其运营至关重要时。例如，如果一家制造公司对其机器设备有固定费用，那么在解决贷款义务之前，它无法出售该机器设备以筹集资金。此外，固定费用的存在可能会影响公司的信用评级。财务分析师在评估公司财务健康状况时，通常会关注担保债务的水平。拥有高水平固定费用债务的公司可能被视为风险更大，因为这表明其资产的很大一部分被抵押。这种看法可能会影响公司未来获得额外融资的能力。总之，术语固定费用在担保贷款领域发挥着至关重要的作用。它为贷方提供了保障，同时对借方施加了限制。理解固定费用的含义对于任何参与金融交易的人都是必不可少的，无论他们是评估风险的贷方还是寻求融资的借方。通过掌握这一术语的细微差别，个人和企业可以更有效地应对融资的复杂性，并做出符合其财务目标的选择。