debt paying ability

简明释义

偿债能力

英英释义

例句

1.The bank assessed the borrower's debt paying ability before approving the loan.

银行在批准贷款之前评估了借款人的还债能力。

2.Lenders often require documentation to prove a borrower's debt paying ability.

贷方通常要求提供文件以证明借款人的还债能力。

3.During the financial review, the accountant highlighted the importance of debt paying ability.

在财务审查中，会计师强调了还债能力的重要性。

4.A high credit score is often indicative of strong debt paying ability.

高信用评分通常表明强大的还债能力。

5.Investors look at a company's debt paying ability to determine its financial health.

投资者查看公司的还债能力以确定其财务健康状况。

作文

In today's financial landscape, individuals and businesses alike must navigate the complexities of borrowing and lending. One crucial aspect that determines the sustainability of any financial relationship is the concept of debt paying ability. This term refers to an individual or entity's capacity to meet their debt obligations in a timely manner. Understanding this concept is essential for both lenders and borrowers, as it directly impacts creditworthiness and financial health.To comprehend debt paying ability, one must first consider the various factors that influence it. These include income levels, existing debt obligations, and overall financial management practices. For instance, a person with a stable job and a consistent income stream is more likely to have a strong debt paying ability than someone who is unemployed or underemployed. Additionally, the ratio of existing debt to income plays a significant role; if a person is already heavily indebted, their ability to take on more debt responsibly diminishes.Furthermore, financial institutions evaluate debt paying ability through various metrics, such as the debt-to-income ratio (DTI) and credit scores. The DTI ratio compares an individual's monthly debt payments to their gross monthly income, providing lenders with insight into how much of a borrower's income is already committed to repaying debts. A lower DTI indicates a better debt paying ability, which can lead to favorable loan terms and interest rates.Moreover, credit scores reflect an individual’s history of managing debt. A higher credit score suggests a reliable track record of making payments on time, thereby enhancing one's debt paying ability in the eyes of lenders. Conversely, a poor credit score may indicate missed payments or defaults, leading to increased scrutiny and potential denial of credit.For businesses, debt paying ability is equally critical. Companies must assess their cash flow and profitability to ensure they can meet their financial commitments. Investors and creditors often analyze a company's balance sheet and income statement to determine its debt paying ability. Key indicators include the current ratio, quick ratio, and interest coverage ratio, all of which provide insights into how well a company can cover its short-term liabilities with its available assets.The implications of debt paying ability extend beyond just obtaining loans. A strong ability to pay off debts contributes to a positive financial reputation, enabling individuals and businesses to secure better financing options in the future. On the contrary, a weak debt paying ability can lead to higher interest rates, limited access to credit, and even bankruptcy in severe cases.In conclusion, understanding debt paying ability is vital for anyone engaged in financial transactions. It encompasses various elements, including income, existing debts, and credit history, all of which contribute to an individual or entity's capacity to fulfill their financial obligations. By recognizing the importance of maintaining a strong debt paying ability, borrowers can make informed decisions about their finances, while lenders can better assess the risks associated with extending credit. Ultimately, fostering a healthy debt paying ability promotes financial stability and growth for both individuals and businesses alike.

在当今的金融环境中，个人和企业必须应对借贷的复杂性。决定任何金融关系可持续性的一个关键方面是“还债能力”的概念。这个术语指的是个人或实体按时履行其债务义务的能力。理解这一概念对借款人和贷款人都至关重要，因为它直接影响信用worthiness和财务健康。要理解“还债能力”，首先需要考虑影响它的各种因素。这些因素包括收入水平、现有债务义务和整体财务管理实践。例如，拥有稳定工作和持续收入流的人，其“还债能力”通常比失业或收入不足的人更强。此外，现有债务与收入的比例也起着重要作用；如果一个人已经负债累累，他们承担更多债务的能力就会下降。此外，金融机构通过各种指标评估“还债能力”，如债务收入比（DTI）和信用评分。DTI比率将个人的每月债务支付与其每月总收入进行比较，为贷款人提供有关借款人收入的多少已经承诺用于偿还债务的洞察。较低的DTI表明较好的“还债能力”，这可能导致有利的贷款条款和利率。此外，信用评分反映了个人管理债务的历史。较高的信用评分表明按时还款的可靠记录，从而增强了借贷者眼中的“还债能力”。相反，较差的信用评分可能表明错过了付款或违约，导致更严格的审查和潜在的信用拒绝。对于企业来说，“还债能力”同样至关重要。公司必须评估其现金流和盈利能力，以确保能够满足财务承诺。投资者和债权人通常分析公司的资产负债表和损益表，以确定其“还债能力”。关键指标包括流动比率、速动比率和利息保障倍数，所有这些都提供了公司如何用可用资产覆盖短期负债的洞察。“还债能力”的影响不仅限于获得贷款。强大的偿债能力有助于建立积极的财务声誉，使个人和企业能够在未来获得更好的融资选择。相反，较弱的“还债能力”可能导致更高的利率、有限的信用获取，甚至在严重情况下导致破产。总之，理解“还债能力”对任何参与金融交易的人来说都是至关重要的。它包含了多种元素，包括收入、现有债务和信用历史，这些都促成了个人或实体履行财务义务的能力。通过认识到维持强大“还债能力”的重要性，借款人可以做出明智的财务决策，而贷款人可以更好地评估扩展信贷的风险。最终，培养健康的“还债能力”促进了个人和企业的财务稳定和增长。