accured interest patable

简明释义

应计未付利息

英英释义

例句

1.Investors should monitor the accrued interest payable to understand their total liabilities.

投资者应该监控应付的应计利息以了解他们的总负债。

2.The bank calculated the accrued interest payable on my savings account for the past month.

银行计算了我储蓄账户上个月的应付的应计利息。

3.When preparing the financial statements, we need to include the accrued interest payable as a liability.

在准备财务报表时，我们需要将应付的应计利息作为负债列入。

4.The accountant noted the accrued interest payable in the monthly financial report.

会计在月度财务报告中记录了应付的应计利息。

5.The accrued interest payable will be settled at the end of the loan term.

在贷款期限结束时，将结清应付的应计利息。

作文

Understanding financial terms is crucial for anyone involved in investments or personal finance. One such term that often comes up in discussions about loans, bonds, and other financial instruments is accrued interest payable. This term refers to the interest that has accumulated on a loan or investment but has not yet been paid to the lender or investor. To grasp the importance of accrued interest payable, it is essential to understand how it affects both borrowers and lenders.When a borrower takes out a loan, they agree to pay back the principal amount along with interest over a specified period. Interest can be calculated on various bases, such as daily, monthly, or annually. However, many borrowers do not make interest payments until the end of the loan term. During this time, the interest accumulates, leading to what we call accrued interest payable. For instance, if someone borrows $10,000 at an annual interest rate of 5%, they will incur $500 in interest over one year. If they do not make any payments during that year, the interest becomes accrued interest payable.From a lender's perspective, accrued interest payable represents an important aspect of their financial reporting. Lenders need to account for the interest that is owed to them, even if it has not been received yet. This is particularly relevant for financial institutions, as they must report their earnings accurately. If a bank has numerous loans with significant accrued interest payable, this can impact its cash flow and overall financial health. Therefore, understanding this term is vital for assessing a lender's performance and the risk associated with their lending practices.Moreover, accrued interest payable can also affect the valuation of bonds. When investors purchase bonds, they often consider the interest that has accrued since the last coupon payment. If an investor buys a bond between coupon payment dates, they typically pay the seller the price of the bond plus any accrued interest payable. This ensures that the seller receives compensation for the interest earned up to that point, while the buyer can expect to receive the full coupon payment when it is due.In addition to its implications for borrowers and lenders, understanding accrued interest payable is also essential for tax purposes. In many jurisdictions, taxpayers are required to report income based on the interest that has accrued, regardless of whether it has been received. This means that individuals and businesses must keep track of their accrued interest payable to ensure compliance with tax regulations.In conclusion, the term accrued interest payable is a fundamental concept in finance that impacts borrowers, lenders, and investors alike. Recognizing how it functions within various financial contexts can lead to better decision-making and financial management. By understanding this term, individuals can navigate the complexities of loans and investments more effectively, ensuring they are well-informed about their financial obligations and rights. Ultimately, knowledge of accrued interest payable contributes to a more robust understanding of personal finance and investment strategies, enabling individuals to make sound financial choices that align with their goals and needs.

理解金融术语对任何参与投资或个人理财的人来说都是至关重要的。其中一个常常在贷款、债券和其他金融工具的讨论中出现的术语是应付利息。这个术语指的是在贷款或投资上累积但尚未支付给贷方或投资者的利息。要掌握应付利息的重要性，必须理解它如何影响借款人和贷方。当借款人申请贷款时，他们同意在特定期限内偿还本金和利息。利息可以按日、月或年计算。然而，许多借款人在贷款期限结束之前并不进行利息支付。在此期间，利息不断累积，形成我们所称的应付利息。例如，如果某人以5%的年利率借款10,000美元，那么他们在一年内将产生500美元的利息。如果他们在这一年内没有进行任何支付，这笔利息就成为了应付利息。从贷方的角度来看，应付利息代表着其财务报告中的一个重要方面。贷方需要核算到期但尚未收到的利息。这一点对于金融机构尤其重要，因为它们必须准确报告收益。如果一家银行有许多贷款且存在显著的应付利息，这可能会影响其现金流和整体财务健康。因此，理解这个术语对于评估贷方的表现及其贷款实践相关风险至关重要。此外，应付利息也会影响债券的估值。当投资者购买债券时，他们通常会考虑自上次票息支付以来所累积的利息。如果投资者在票息支付日期之间购买债券，他们通常会向卖方支付债券价格加上任何应付利息。这确保卖方获得在此时所赚取的利息补偿，而买方可以期待在到期时收到全额票息。除了对借款人和贷方的影响外，了解应付利息在税务方面也很重要。在许多司法管辖区，纳税人被要求根据累积的利息报告收入，无论其是否已经收到。这意味着个人和企业必须跟踪其应付利息以确保遵守税收法规。总之，术语应付利息是金融中的一个基本概念，影响着借款人、贷方和投资者。认识到它在各种金融背景下的运作方式可以导致更好的决策和财务管理。通过理解这个术语，个人可以更有效地驾驭贷款和投资的复杂性，确保他们充分了解自己的财务义务和权利。最终，了解应付利息有助于更全面地理解个人财务和投资策略，使个人能够做出符合其目标和需求的合理财务选择。