paying capacity

简明释义

支付能力

英英释义

例句

1.Investors often look at a company's paying capacity before purchasing its stocks.

投资者在购买公司股票之前，通常会查看公司的偿付能力。

2.The bank assessed the borrower's paying capacity to determine loan eligibility.

银行评估了借款人的偿付能力以确定贷款资格。

3.The government provides assistance to families with low paying capacity.

政府为偿付能力低的家庭提供援助。

4.A high paying capacity indicates that the individual can manage their debts effectively.

高偿付能力表明个人能够有效管理其债务。

5.Before approving the mortgage, the lender analyzed the applicant's paying capacity.

在批准抵押贷款之前，贷方分析了申请人的偿付能力。

作文

Understanding the concept of paying capacity is essential in both personal finance and business management. Paying capacity refers to an individual's or entity's ability to meet their financial obligations, particularly in repaying debts or loans. This concept is crucial for lenders when assessing the creditworthiness of potential borrowers. In this essay, we will explore the various factors that influence paying capacity, its significance in financial decision-making, and the implications it has on economic stability.Firstly, several factors determine an individual's or a company's paying capacity. For individuals, income level, employment stability, and existing debt play pivotal roles. A higher income typically translates to a greater paying capacity, as individuals can allocate more funds towards debt repayment. Additionally, job security is vital; those with stable employment are more likely to have a consistent income stream, which in turn enhances their paying capacity. On the other hand, high levels of existing debt can significantly diminish one’s ability to repay new loans, as a large portion of income may already be committed to servicing these debts.For businesses, the paying capacity is influenced by cash flow, profitability, and overall financial health. A company with strong cash flow can easily meet its obligations, while one struggling with cash flow issues may find it challenging to maintain its paying capacity. Profitability is another critical factor; companies that consistently generate profits are in a better position to repay their debts. Furthermore, a company’s credit history and relationship with financial institutions also impact its perceived paying capacity, as lenders often look at past performance to gauge future reliability.The significance of paying capacity extends beyond individual and corporate finances; it plays a vital role in the broader economy. When individuals and businesses are able to meet their financial obligations, it contributes to a stable financial system. Conversely, widespread inability to pay debts can lead to defaults, which can create ripple effects throughout the economy. For example, if a significant number of borrowers default on their loans, banks may tighten lending standards, making it harder for others to obtain credit. This can slow down economic growth and lead to a recession.Moreover, understanding paying capacity is essential for effective financial planning. Individuals must assess their own paying capacity before taking on new debt, such as mortgages or personal loans. This self-assessment helps prevent over-leveraging and ensures that they do not take on more debt than they can handle. Similarly, businesses should regularly evaluate their paying capacity to ensure they remain solvent and can take advantage of growth opportunities without risking financial stability.In conclusion, paying capacity is a fundamental concept in finance that influences both individual and corporate decision-making. By understanding the factors that affect paying capacity, individuals and businesses can make informed choices about borrowing and spending. Furthermore, recognizing the broader implications of paying capacity on economic stability can help policymakers and financial institutions foster a healthier financial environment. Ultimately, maintaining a strong paying capacity is crucial for achieving long-term financial success and contributing to a stable economy.

理解“支付能力”这一概念在个人财务和商业管理中至关重要。“支付能力”是指个人或实体满足其财务义务的能力，特别是在偿还债务或贷款方面。这个概念对于贷方在评估潜在借款人的信用worthiness时至关重要。在这篇文章中，我们将探讨影响“支付能力”的各种因素，它在财务决策中的重要性，以及它对经济稳定的影响。首先，几个因素决定个人或公司的“支付能力”。对于个人而言，收入水平、就业稳定性和现有债务发挥着关键作用。较高的收入通常意味着更强的“支付能力”，因为个人可以将更多资金用于偿还债务。此外，工作安全性至关重要；那些拥有稳定工作的个人更有可能拥有持续的收入流，这反过来又增强了他们的“支付能力”。另一方面，高水平的现有债务会显著降低一个人偿还新贷款的能力，因为大部分收入可能已经被用来服务这些债务。对于企业而言，“支付能力”受到现金流、盈利能力和整体财务健康状况的影响。现金流强劲的公司可以轻松满足其义务，而现金流问题困扰的公司可能会发现维持其“支付能力”具有挑战性。盈利能力是另一个关键因素；持续产生利润的公司更有能力偿还其债务。此外，公司的信用历史和与金融机构的关系也会影响其被认为的“支付能力”，因为贷方通常会查看过去的表现来评估未来的可靠性。“支付能力”的重要性超越了个人和企业财务；它在更广泛的经济中发挥着至关重要的作用。当个人和企业能够满足其财务义务时，这有助于建立一个稳定的金融系统。相反，普遍无法偿还债务可能导致违约，从而在整个经济中产生连锁反应。例如，如果大量借款人违约，银行可能会收紧贷款标准，使其他人更难获得信贷。这可能会减缓经济增长并导致衰退。此外，理解“支付能力”对于有效的财务规划至关重要。个人在承担新债务之前必须评估自己的“支付能力”，例如抵押贷款或个人贷款。这种自我评估有助于防止过度杠杆化，并确保他们不会承担超过自己承受能力的债务。同样，企业应定期评估其“支付能力”，以确保其保持偿付能力，并能够在不危及财务稳定的情况下利用增长机会。总之，“支付能力”是金融中的一个基本概念，影响个人和企业的决策。通过理解影响“支付能力”的因素，个人和企业可以就借贷和支出做出明智的选择。此外，认识到“支付能力”对经济稳定的更广泛影响可以帮助政策制定者和金融机构促进更健康的金融环境。最终，保持强大的“支付能力”对于实现长期财务成功和促进经济稳定至关重要。