true discount

简明释义

实在贴现

英英释义

例句

1.In real estate, a true discount can indicate a property that is priced below its market value.

在房地产中，真实折扣可以表示一处房产的价格低于市场价值。

2.Investors often look for a true discount in stocks to find undervalued opportunities.

投资者通常寻找股票中的真实折扣以发现被低估的机会。

3.When calculating the true discount, it's important to consider the time value of money.

在计算真实折扣时，考虑货币的时间价值是很重要的。

4.The finance manager explained how to determine the true discount on future cash flows.

财务经理解释了如何确定未来现金流的真实折扣。

5.The bank offered a loan with a true discount of 5%, which means the actual cost of borrowing is lower than the stated interest rate.

银行提供的贷款有一个真实折扣为5%，这意味着借款的实际成本低于所述的利率。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term is true discount, which refers to the actual reduction in price or value of an item when considering the time value of money. This concept is particularly important in fields like investments and loans, where future cash flows are discounted back to their present value. The true discount helps investors and consumers alike to assess the real cost of borrowing or the real value of an investment over time.To illustrate this, consider a scenario where you have the option to receive $1,000 today or $1,100 a year from now. At first glance, it may seem that waiting a year for the additional $100 is worth it. However, if you apply a certain interest rate, say 5%, to the future amount, you can calculate the true discount. The present value of $1,100 received a year later can be calculated using the formula:Present Value = Future Value / (1 + r)^nWhere:- Future Value = $1,100- r = interest rate (0.05)- n = number of years (1)Using this formula, the present value of $1,100 would be approximately $1,047.62. This means that the true discount on the future amount is actually $1,100 - $1,047.62 = $52.38. Thus, if you were to choose between taking $1,000 today or waiting for the future payment, the true discount clearly shows that waiting for the extra $100 is not financially advantageous.Understanding true discount is also essential for businesses when pricing their products. Companies often offer discounts to encourage sales, but it’s vital to understand how these discounts affect the overall profitability. A business might offer a 20% discount on a product priced at $50. While this may seem attractive to customers, the true discount should also factor in costs and the time value of money. If the product costs the company $40, the discount reduces the selling price to $40, which means they break even. However, if they consider the time value of money, the true discount could indicate that the sale is not as beneficial as it appears, especially if the capital tied up in inventory could be earning interest elsewhere.Moreover, the concept of true discount extends into personal finance, affecting how individuals approach savings and investments. For instance, if someone is contemplating putting away money for retirement, the true discount can help them understand how much they need to save today to reach their future financial goals. It emphasizes the importance of starting early and taking advantage of compound interest, which can significantly increase the future value of their savings.In conclusion, the term true discount encapsulates a fundamental principle in finance that helps individuals and businesses make better financial decisions. By understanding the actual value of money over time, one can navigate the complexities of investments, pricing strategies, and personal finance more effectively. Whether you are an investor, a business owner, or simply someone looking to manage your finances wisely, grasping the concept of true discount is essential for achieving your financial objectives.

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。其中一个术语是真实折扣，它指的是在考虑货币时间价值时，某项商品的实际价格或价值的减少。这个概念在投资和贷款等领域尤为重要，因为未来现金流会被折算回其现值。真实折扣帮助投资者和消费者评估借款的真实成本或投资随时间变化的真实价值。为了说明这一点，考虑一个场景，你可以选择今天收到1000美元，或者一年后收到1100美元。乍一看，似乎等待一年以获得额外的100美元是值得的。然而，如果你应用一个特定的利率，比如5%，到未来金额，你可以计算出真实折扣。一年后收到的1100美元的现值可以使用以下公式计算：现值 = 未来值 / (1 + r)^n其中：- 未来值 = 1100美元- r = 利率（0.05）- n = 年数（1）使用这个公式，1100美元的现值大约为1047.62美元。这意味着未来金额的真实折扣实际上是1100美元 - 1047.62美元 = 52.38美元。因此，如果你在今天拿1000美元或者等待未来的付款之间做选择，真实折扣清楚地表明，等待额外的100美元在财务上并不划算。理解真实折扣对于企业在定价产品时也至关重要。公司通常提供折扣以鼓励销售，但了解这些折扣如何影响整体盈利能力是必要的。一家公司可能会对定价为50美元的产品提供20%的折扣。虽然这对客户来说似乎很有吸引力，但还必须考虑成本和货币的时间价值。如果该产品的成本为40美元，则折扣将销售价格降低到40美元，这意味着他们持平。然而，如果他们考虑到货币的时间价值，真实折扣可能表明，销售看起来并不像表面上那么有利，尤其是如果库存中的资本可以在其他地方赚取利息。此外，真实折扣的概念也延伸到个人理财，影响个人如何处理储蓄和投资。例如，如果有人考虑为退休存钱，真实折扣可以帮助他们理解今天需要存多少钱才能达到未来的财务目标。它强调了尽早开始和利用复利的重要性，这可以显著增加他们储蓄的未来价值。总之，术语真实折扣概括了金融中的一个基本原则，帮助个人和企业做出更好的财务决策。通过理解货币随时间推移的实际价值，人们可以更有效地应对投资、定价策略和个人财务的复杂性。无论你是投资者、企业主，还是只是想明智管理财务的人，掌握真实折扣的概念对于实现你的财务目标至关重要。