amortization fund

简明释义

偿债基金

英英释义

例句

1.Each year, we evaluate the growth of our amortization fund to plan for upcoming expenses.

每年，我们评估我们的摊销基金的增长，以规划即将到来的支出。

2.The amortization fund is crucial for managing the repayment of our loans effectively.

该摊销基金对有效管理我们的贷款偿还至关重要。

3.To ensure financial stability, the firm established an amortization fund for its long-term debts.

为了确保财务稳定，公司为其长期债务建立了一个摊销基金。

4.Investors were pleased to see that the amortization fund had grown significantly over the last quarter.

投资者很高兴看到摊销基金在过去一个季度中显著增长。

5.The company set aside a portion of its profits each month to build an amortization fund for future equipment upgrades.

公司每个月将一部分利润留作未来设备升级的摊销基金。

作文

In the world of finance and investment, understanding various terms and concepts is crucial for making informed decisions. One such term that often arises in discussions about loans and investments is the amortization fund. An amortization fund is essentially a reserve that is set aside to pay off debt over time through regular payments. This concept is particularly relevant for businesses and individuals who seek to manage their financial obligations effectively.To fully grasp the significance of an amortization fund, it is important to understand what amortization itself means. Amortization refers to the process of gradually paying off a debt over a specified period through scheduled payments. These payments typically cover both the principal amount borrowed and the interest accrued. The creation of an amortization fund allows borrowers to systematically allocate funds towards these payments, ensuring that they can meet their obligations without facing financial strain.For instance, consider a company that has taken out a loan to finance a new project. To manage this loan effectively, the company may establish an amortization fund. By setting aside a portion of its revenue each month, the company can build a reserve that will be used to make the required monthly payments on the loan. This proactive approach not only helps in maintaining a good credit rating but also provides peace of mind knowing that the company is prepared for its financial commitments.Moreover, an amortization fund can also play a significant role in long-term financial planning. By regularly contributing to this fund, individuals and businesses can ensure that they are not caught off guard when large payments are due. This is particularly important for long-term loans, such as mortgages or business loans, where the total amount owed can be substantial. Having an amortization fund allows for better cash flow management, reducing the risk of late payments and associated penalties.Additionally, the concept of an amortization fund extends beyond just debt repayment. It can also be applied to other financial obligations, such as funding retirement accounts or saving for future expenses. For example, an individual may choose to create an amortization fund for their retirement by setting aside a specific amount each month. This disciplined approach ensures that they will have sufficient funds available when they retire, thereby securing their financial future.In conclusion, the amortization fund is a vital financial tool that aids in the systematic management of debt and other financial obligations. By understanding and implementing this concept, both individuals and businesses can enhance their financial stability and ensure that they are prepared for future payments. Whether it's for repaying loans or saving for retirement, establishing an amortization fund can lead to better financial outcomes and a more secure economic future.

在金融和投资的世界中，理解各种术语和概念对于做出明智的决策至关重要。其中一个常常在讨论贷款和投资时出现的术语是摊销基金。摊销基金本质上是一个储备金，用于通过定期支付来逐步偿还债务。这个概念对于希望有效管理财务义务的企业和个人尤其相关。要充分理解摊销基金的重要性，首先需要了解摊销本身的含义。摊销是指通过预定的支付计划逐渐偿还债务的过程。这些付款通常涵盖借款的本金和产生的利息。建立摊销基金使借款人能够系统地分配资金用于这些付款，从而确保他们能够在不面临财务压力的情况下履行义务。例如，考虑一家为融资新项目而贷款的公司。为了有效管理这笔贷款，公司可能会建立一个摊销基金。通过每月留出一部分收入，公司可以建立一个储备金，用于偿还贷款所需的每月付款。这种主动的方式不仅有助于维护良好的信用评级，还提供了心理上的安慰，因为公司知道自己为财务承诺做好了准备。此外，摊销基金在长期财务规划中也发挥着重要作用。通过定期向该基金贡献资金，个人和企业可以确保在大额付款到期时不会感到措手不及。这对于长期贷款（如抵押贷款或商业贷款）尤为重要，因为总欠款金额可能相当可观。拥有摊销基金可以改善现金流管理，降低逾期付款及相关罚款的风险。此外，摊销基金的概念不仅限于债务偿还。它也可以应用于其他财务义务，例如资助退休账户或为未来开支储蓄。例如，个人可能选择为退休建立一个摊销基金，每月留出特定金额。这种有纪律的方式确保他们在退休时有足够的资金可用，从而保障他们的财务未来。总之，摊销基金是一个重要的金融工具，有助于系统地管理债务和其他财务义务。通过理解和实施这一概念，个人和企业都可以增强财务稳定性，确保他们为未来的付款做好准备。无论是偿还贷款还是为退休储蓄，建立一个摊销基金都能带来更好的财务结果和更安全的经济未来。