liquid asset

简明释义

流动资产

英英释义

例句

1.Stocks are also a type of liquid asset, as they can be quickly sold on the stock market.

股票也是一种流动资产，因为它们可以在股市上迅速出售。

2.Before applying for a loan, it's important to assess your liquid assets to determine your financial stability.

在申请贷款之前，评估你的流动资产以确定你的财务稳定性是很重要的。

3.Having a good amount of liquid assets can help you handle unexpected expenses more easily.

拥有一定数量的流动资产可以帮助你更轻松地应对意外开支。

4.Cash is considered the most liquid asset, as it can be used immediately for transactions.

现金被认为是最具流动性的流动资产，因为它可以立即用于交易。

5.Real estate is generally not considered a liquid asset due to the time and effort required to sell it.

房地产通常不被视为流动资产，因为出售它需要时间和精力。

作文

In today's fast-paced financial world, understanding the concept of a liquid asset is crucial for both individuals and businesses. A liquid asset, defined as an asset that can be quickly converted into cash without significant loss of value, plays a vital role in maintaining financial stability. Examples of liquid assets include cash, bank accounts, and marketable securities such as stocks and bonds. These assets are important because they provide immediate access to funds in times of need, allowing individuals and companies to meet their short-term obligations and seize opportunities as they arise.One of the primary benefits of holding liquid assets is the flexibility they offer. For instance, if an individual faces an unexpected expense, having sufficient liquid assets allows them to cover these costs without resorting to high-interest loans or credit cards. Similarly, businesses often maintain a certain level of liquid assets to ensure they can pay employees, suppliers, and other operational expenses promptly. This liquidity can be a decisive factor in a company's ability to navigate economic downturns or capitalize on sudden market opportunities.However, while liquid assets provide advantages, it is essential to balance them with other types of investments. Holding too much in liquid assets may result in lower overall returns compared to investing in less liquid options like real estate or long-term bonds. Therefore, investors must assess their financial goals and risk tolerance when determining the appropriate mix of liquid assets and other investment vehicles.Moreover, the nature of liquid assets can vary significantly depending on market conditions. For example, during a financial crisis, even traditionally liquid assets like stocks may become harder to sell at desired prices. This phenomenon highlights the importance of not only having liquid assets but also understanding the broader economic context in which they exist.In conclusion, liquid assets are essential components of a sound financial strategy. They provide individuals and businesses with the necessary liquidity to respond to immediate financial needs and opportunities. However, it is crucial to strike a balance between maintaining sufficient liquid assets and pursuing other investment avenues to maximize potential returns. By comprehensively understanding and effectively managing liquid assets, individuals and organizations can enhance their financial resilience and achieve their long-term objectives.

在当今快速发展的金融世界中，理解“流动资产”的概念对于个人和企业来说至关重要。“流动资产”被定义为可以迅速转换为现金而不会显著损失价值的资产，在维持财务稳定方面发挥着重要作用。“流动资产”的例子包括现金、银行账户和可交易证券，如股票和债券。这些资产之所以重要，是因为它们在需要时提供了立即获得资金的途径，使个人和公司能够及时履行短期义务，并在机会出现时抓住它们。持有“流动资产”的主要好处之一是它们所提供的灵活性。例如，如果一个人面临意外支出，拥有足够的“流动资产”使他们能够在不借助高利贷或信用卡的情况下解决这些费用。同样，企业通常保持一定水平的“流动资产”，以确保能够及时支付员工、供应商和其他运营费用。这种流动性可能是公司应对经济低迷或抓住突发市场机会的决定性因素。然而，虽然“流动资产”提供了优势，但平衡它们与其他类型的投资也是至关重要的。过多持有“流动资产”可能导致整体回报低于投资于流动性较低的选项，如房地产或长期债券。因此，投资者在确定适当的“流动资产”和其他投资工具的组合时，必须评估他们的财务目标和风险承受能力。此外，“流动资产”的性质可能会因市场条件而大相径庭。例如，在金融危机期间，即使是传统的“流动资产”如股票，也可能变得更难以按预期价格出售。这一现象强调了不仅要拥有“流动资产”，还要理解它们存在的更广泛经济背景的重要性。总之，“流动资产”是健全财务战略的重要组成部分。它们为个人和企业提供了必要的流动性，以应对即时财务需求和机会。然而，在保持足够的“流动资产”和追求其他投资渠道之间取得平衡至关重要，以最大化潜在回报。通过全面理解和有效管理“流动资产”，个人和组织可以增强其财务韧性，实现长期目标。