debt capacity

简明释义

借债能力

英英释义

例句

1.Investors should understand a firm's debt capacity before making any financial commitments.

投资者在做出任何财务承诺之前，应了解公司的债务能力。

2.The bank assessed the company's debt capacity to determine how much they could lend.

银行评估了公司的债务能力以确定他们可以借出多少资金。

3.A higher debt capacity can indicate a stronger financial position for the business.

更高的债务能力可能表明企业的财务状况更强劲。

4.The financial analyst calculated the debt capacity using the company's earnings before interest and taxes.

金融分析师使用公司息税前利润计算了债务能力。

5.Understanding your personal debt capacity is crucial before applying for a mortgage.

在申请抵押贷款之前，了解个人的债务能力至关重要。

作文

Understanding one’s financial situation is crucial for both individuals and businesses. One key aspect of this understanding is the concept of debt capacity, which refers to the maximum amount of debt that an entity can take on while still being able to meet its financial obligations. This concept is particularly important for borrowers, as it helps them determine how much they can afford to borrow without risking their financial stability. In essence, debt capacity is a measure of a borrower’s ability to repay loans based on their income, assets, and other financial commitments.For individuals, calculating debt capacity involves assessing monthly income, existing debts, and living expenses. Financial experts often recommend using the debt-to-income (DTI) ratio as a benchmark. The DTI ratio is calculated by dividing total monthly debt payments by gross monthly income. A lower DTI ratio indicates a higher debt capacity, suggesting that the individual can handle additional debt without strain. Ideally, financial advisors suggest that a DTI ratio below 36% is manageable, allowing room for new borrowing.Businesses also need to evaluate their debt capacity to ensure sustainable growth. Companies often use various financial metrics such as earnings before interest, taxes, depreciation, and amortization (EBITDA) to assess their ability to service debt. Investors and lenders look at these metrics to gauge whether a business can generate enough cash flow to cover its debt obligations. A company with a strong debt capacity can leverage additional debt to finance expansion, invest in new projects, or improve its operations. However, excessive borrowing can lead to financial distress, highlighting the importance of maintaining a healthy balance between debt and equity.Moreover, external factors such as interest rates, economic conditions, and industry trends can influence debt capacity. For instance, during periods of low-interest rates, borrowing becomes cheaper, potentially increasing an entity's debt capacity. Conversely, in a high-interest environment, the cost of servicing debt rises, which may reduce borrowing potential. Additionally, economic downturns can impact income and revenue, forcing both individuals and businesses to reassess their debt capacity and make necessary adjustments to avoid defaulting on loans.In conclusion, understanding debt capacity is essential for making informed financial decisions. Whether for personal finance or business strategy, recognizing the limits of what can be borrowed while ensuring the ability to repay is critical. By carefully analyzing income, expenses, and external economic factors, individuals and businesses can effectively determine their debt capacity and maintain financial health. Ultimately, prudent management of debt leads to greater financial stability and the opportunity for future growth.

理解个人或企业的财务状况对于其至关重要。一个关键的方面是“债务能力”这一概念，它指的是一个实体在能够满足其财务义务的情况下，能够承担的最大债务金额。这个概念对于借款人尤为重要，因为它帮助他们确定自己可以承受多少借款，而不会危及其财务稳定。实际上，“债务能力”是衡量借款人根据其收入、资产和其他财务承诺来偿还贷款的能力。对于个人而言，计算“债务能力”涉及评估每月收入、现有债务和生活费用。金融专家通常建议使用债务与收入比率（DTI）作为基准。DTI比率是通过将每月总债务支付额除以每月毛收入来计算的。较低的DTI比率表明较高的“债务能力”，这意味着个人可以在不造成压力的情况下承担额外债务。理想情况下，金融顾问建议DTI比率低于36%是可管理的，这为新的借款留出了空间。企业也需要评估其“债务能力”以确保可持续增长。公司通常使用各种财务指标，例如税息折旧及摊销前利润（EBITDA），来评估其偿还债务的能力。投资者和贷方会关注这些指标，以判断一家公司是否能够产生足够的现金流来覆盖其债务义务。具有强大“债务能力”的公司可以利用额外的债务来融资扩张、投资新项目或改善运营。然而，过度借贷可能导致财务困境，这突显了保持债务与股本之间健康平衡的重要性。此外，利率、经济条件和行业趋势等外部因素也会影响“债务能力”。例如，在低利率时期，借款变得更便宜，可能会增加实体的“债务能力”。相反，在高利率环境中，债务服务成本上升，可能会减少借款潜力。此外，经济衰退可能会影响收入和收益，迫使个人和企业重新评估其“债务能力”，并进行必要的调整以避免违约。总之，理解“债务能力”对于做出明智的财务决策至关重要。无论是个人财务还是商业战略，认识到可以借用的限度，同时确保偿还能力都是关键。通过仔细分析收入、支出和外部经济因素，个人和企业可以有效地确定其“债务能力”，并保持财务健康。最终，谨慎管理债务将带来更大的财务稳定性和未来增长的机会。