liquid assets

简明释义

流动资产

英英释义

例句

1.During a market downturn, having sufficient liquid assets (流动资产) can provide a safety net.

在市场下跌期间，拥有足够的流动资产（流动资产）可以提供安全网。

2.Investors prefer to keep a portion of their portfolio in liquid assets (流动资产) for quick access to cash.

投资者倾向于将投资组合的一部分保持在流动资产（流动资产）中，以便快速获取现金。

3.A financial advisor might suggest that you maintain at least six months' worth of expenses in liquid assets (流动资产).

财务顾问可能会建议您在流动资产（流动资产）中至少保持六个月的开支。

4.When applying for a loan, banks often require proof of your liquid assets (流动资产) to ensure you can repay the debt.

在申请贷款时，银行通常要求提供您的流动资产（流动资产）的证明，以确保您能够偿还债务。

5.Real estate is not considered liquid assets (流动资产) because it cannot be quickly converted to cash.

房地产不被视为流动资产（流动资产），因为它不能迅速转换为现金。

作文

In today's fast-paced financial world, understanding the concept of liquid assets is crucial for both individuals and businesses. Liquid assets are those assets that can be quickly converted into cash without a significant loss in value. Examples of liquid assets include cash itself, bank accounts, stocks, and bonds. These assets are essential for maintaining liquidity, which refers to the ease with which an asset can be converted into cash. The importance of liquid assets cannot be overstated, especially during times of economic uncertainty. For instance, individuals may face unexpected expenses such as medical emergencies or car repairs. Having sufficient liquid assets allows them to address these situations promptly without resorting to high-interest loans or credit cards. Similarly, businesses require liquid assets to manage their day-to-day operations, pay employees, and invest in new opportunities. Moreover, the level of liquid assets that a person or business holds can be a strong indicator of financial health. Financial analysts often assess the liquidity ratio, which compares liquid assets to current liabilities. A higher ratio suggests that an entity can easily cover its short-term obligations, while a lower ratio may indicate potential financial distress. This is particularly important for investors who seek to minimize risk; they often look for companies with a robust inventory of liquid assets before making investment decisions. However, relying solely on liquid assets can also have downsides. While these assets provide flexibility and quick access to funds, they often yield lower returns compared to less liquid investments like real estate or long-term stocks. Therefore, individuals and businesses must strike a balance between maintaining adequate liquid assets and investing in higher-yielding assets. In conclusion, liquid assets play a vital role in financial planning and stability. They offer individuals and businesses the ability to respond swiftly to financial needs while also serving as a measure of overall financial health. Understanding how to manage liquid assets effectively can lead to better financial decision-making and long-term success. As we navigate through uncertain economic times, prioritizing the accumulation and management of liquid assets will undoubtedly prove beneficial. In summary, liquid assets are crucial for ensuring that one can meet immediate financial obligations and seize opportunities as they arise. By maintaining an appropriate level of liquid assets, individuals and businesses can enhance their financial resilience and prepare for whatever challenges may come their way.

在当今快节奏的金融世界中，理解“流动资产”的概念对个人和企业来说至关重要。“流动资产”是指那些可以迅速转换为现金而不会显著贬值的资产。流动资产的例子包括现金本身、银行账户、股票和债券。这些资产对于维持流动性至关重要，流动性是指将资产转换为现金的难易程度。“流动资产”的重要性不容小觑，尤其是在经济不确定时期。例如，个人可能会面临意外支出，如医疗紧急情况或汽车维修。拥有足够的流动资产使他们能够及时应对这些情况，而无需诉诸高利贷或信用卡。同样，企业需要流动资产来管理日常运营、支付员工和投资新机会。此外，个人或企业所持有的流动资产的水平可以强烈表明财务健康状况。金融分析师通常会评估流动比率，即将流动资产与当前负债进行比较。较高的比率表明一个实体能够轻松覆盖其短期义务，而较低的比率可能表明潜在的财务困境。这对于寻求降低风险的投资者尤为重要；他们通常在做出投资决策之前，会寻找拥有充足流动资产的公司。然而，单靠流动资产也可能带来缺点。虽然这些资产提供了灵活性和快速获取资金的能力，但与房地产或长期股票等流动性较差的投资相比，它们通常提供较低的回报。因此，个人和企业必须在保持足够的流动资产和投资于收益更高的资产之间取得平衡。总之，流动资产在财务规划和稳定中发挥着至关重要的作用。它们使个人和企业能够迅速应对财务需求，同时也是整体财务健康状况的衡量标准。有效管理流动资产的理解可以导致更好的财务决策和长期成功。在我们应对不确定的经济时期时，优先考虑积累和管理流动资产无疑会带来好处。总而言之，流动资产对于确保个人能够满足即时财务义务并抓住出现的机会至关重要。通过保持适当水平的流动资产，个人和企业可以增强其财务韧性，为可能面临的挑战做好准备。