payment at maturity

简明释义

到期付款

英英释义

例句

1.You should consider the payment at maturity when evaluating fixed-income investments.

在评估固定收益投资时，您应该考虑到期支付。

2.Investors prefer securities with a guaranteed payment at maturity for risk management.

投资者更喜欢具有保证的到期支付的证券，以进行风险管理。

3.The payment at maturity ensures that the principal amount is returned to the investor.

该到期支付确保本金金额归还给投资者。

4.The loan agreement specifies a payment at maturity of $100,000.

贷款协议规定了$100,000的到期支付。

5.The bond will provide a payment at maturity that is equal to its face value.

该债券将在到期时提供与其面值相等的到期支付。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about bonds and loans is payment at maturity. This phrase refers to the final payment made on a financial instrument, such as a bond or a loan, when it reaches its maturity date. At this point, the issuer of the bond or the borrower of the loan is required to pay back the principal amount along with any accrued interest. Understanding payment at maturity is essential for both investors and borrowers, as it impacts cash flow and investment returns.To illustrate the concept, let’s consider a bond. When an investor purchases a bond, they are essentially lending money to the issuer, which could be a corporation or government entity. In return for this loan, the issuer agrees to pay periodic interest payments, known as coupon payments, until the bond matures. However, the most significant financial event occurs at the end of the bond's term: the payment at maturity. This is when the issuer pays back the investor the full face value of the bond, along with any final interest payments that may be due.For example, imagine an investor buys a bond with a face value of $1,000 and a maturity period of ten years. Throughout those ten years, the investor receives regular interest payments. However, when the bond matures, the investor expects to receive the full $1,000 back. This final transaction is what we refer to as the payment at maturity. It signifies the culmination of the investment and represents the return of the principal amount invested.On the other hand, for borrowers, the payment at maturity can represent a significant financial obligation. When taking out a loan, borrowers usually agree to repay the principal along with interest over a specified period. If the loan is structured as a balloon loan, for instance, the borrower may only pay interest during the loan term, with the entire principal due at the end. This means that the payment at maturity could be a substantial sum that the borrower needs to prepare for in advance.Understanding the implications of payment at maturity is vital for financial planning. For investors, it helps in assessing the overall return on an investment. For borrowers, it aids in budgeting and ensuring that they have the necessary funds available when the time comes to make that final payment. Failing to plan for this payment could lead to financial strain or default, which can have serious repercussions.In conclusion, the term payment at maturity encapsulates a critical aspect of financial transactions involving bonds and loans. It marks the point at which the principal is returned to the investor or the total amount owed is settled by the borrower. Whether you are an investor looking to maximize your returns or a borrower managing your debts, understanding this concept is essential for navigating the complexities of finance effectively. With proper knowledge and planning, individuals can make better financial decisions that align with their long-term goals.

在金融世界中，理解各种术语对于做出明智的决策至关重要。其中一个常常出现在关于债券和贷款讨论中的术语是到期付款。这个短语指的是在金融工具（如债券或贷款）到达到期日时进行的最终付款。在这一点上，债券的发行者或贷款的借款人需要偿还本金及任何应计利息。理解到期付款对投资者和借款人都至关重要，因为它影响现金流和投资回报。为了说明这个概念，让我们考虑一只债券。当投资者购买债券时，他们实际上是在向发行者（可能是公司或政府实体）借钱。作为这笔贷款的回报，发行者同意在债券到期之前支付定期的利息支付，这被称为票息支付。然而，最重要的财务事件发生在债券的期限结束时：到期付款。这是发行者向投资者支付债券面值的全额以及任何可能到期的最后利息支付。例如，假设一位投资者购买了一只面值为1000美元、到期时间为十年的债券。在这十年里，投资者会定期收到利息支付。然而，当债券到期时，投资者期望能够收回全部1000美元。这一最终交易就是我们所称的到期付款。它标志着投资的完成，并代表着投资本金的回归。另一方面，对于借款人而言，到期付款可能代表着一项重大财务义务。当借款人申请贷款时，通常会同意在指定的时间内偿还本金以及利息。如果贷款结构为气球贷款，例如，借款人在贷款期间可能只支付利息，而在最后则需要偿还全部本金。这意味着到期付款可能是一笔巨大的款项，借款人需要提前做好准备。理解到期付款的影响对于财务规划至关重要。对于投资者而言，它有助于评估投资的整体回报。对于借款人而言，它有助于预算并确保在需要进行最终付款时有必要的资金。如果未能为这笔付款做好计划，可能会导致财务压力或违约，这可能会产生严重后果。总之，术语到期付款概括了涉及债券和贷款的金融交易中的一个关键方面。它标志着本金返还给投资者或借款人结清的总金额。无论您是希望最大化回报的投资者，还是管理债务的借款人，理解这一概念对于有效驾驭金融复杂性至关重要。通过适当的知识和规划，个人可以做出更好的财务决策，以符合他们的长期目标。