debt service rate

简明释义

外债偿还比例

英英释义

例句

1.Investors often look at the debt service rate 债务偿还率 to assess the risk of a company.

投资者通常查看债务偿还率 debt service rate 来评估公司的风险。

2.A higher debt service rate 债务偿还率 indicates that a company is better positioned to meet its debt obligations.

更高的债务偿还率 debt service rate 表明公司更有能力履行其债务义务。

3.The financial analyst calculated the debt service rate 债务偿还率 to evaluate the project's feasibility.

财务分析师计算了债务偿还率 debt service rate 以评估项目的可行性。

4.The bank requires a minimum debt service rate 债务偿还率 of 1.2 to approve the loan.

银行要求最低的债务偿还率 debt service rate 为1.2才能批准贷款。

5.To maintain a healthy balance sheet, the debt service rate 债务偿还率 should ideally be below 0.4.

为了保持健康的资产负债表，债务偿还率 debt service rate 理想情况下应低于0.4。

作文

Understanding the concept of debt service rate is crucial for both individuals and businesses alike. The debt service rate refers to the percentage of income or revenue that is allocated to paying off debt obligations, including interest and principal repayments. This metric is essential for assessing financial health and sustainability. When individuals or companies take on debt, they must ensure that their cash flow can adequately cover these payments without jeopardizing their ability to meet other financial commitments.For individuals, a high debt service rate may indicate that they are over-leveraged, meaning that a significant portion of their income is going towards servicing debts. This can lead to financial strain, as there may be little left for savings, investments, or discretionary spending. It is generally recommended that individuals keep their debt service rate below a certain threshold—often around 36%—to maintain a healthy financial balance. When this rate exceeds the recommended level, it can become challenging to manage everyday expenses and plan for future financial goals.On the other hand, businesses also need to monitor their debt service rate closely. A company's ability to generate sufficient revenue to cover its debt obligations is a key indicator of its operational efficiency and financial stability. Investors and creditors often scrutinize this ratio when evaluating a company's creditworthiness. If a business has a high debt service rate, it may struggle to secure additional funding or investment since lenders might perceive it as a riskier proposition. Consequently, maintaining a balanced debt service rate is vital for companies aiming to grow and expand.Moreover, the debt service rate can vary significantly depending on the type of debt and the terms associated with it. For instance, long-term loans typically have lower monthly payments compared to short-term loans, which may lead to a higher debt service rate. Understanding these nuances can help both individuals and businesses make informed decisions about their borrowing strategies.In conclusion, the debt service rate is a fundamental concept in personal and corporate finance that reflects the proportion of income or revenue dedicated to debt repayments. Monitoring this rate helps individuals and businesses maintain financial health and avoid the pitfalls of over-indebtedness. By keeping their debt service rate within manageable limits, they can ensure that they have the necessary resources to invest in their future, whether through savings, business expansion, or other financial opportunities. Recognizing the importance of this metric is the first step toward achieving long-term financial stability and success.

理解债务服务率的概念对于个人和企业来说都是至关重要的。债务服务率是指用于偿还债务义务（包括利息和本金还款）的收入或收入的百分比。这个指标对于评估财务健康和可持续性至关重要。当个人或公司承担债务时，他们必须确保其现金流能够足够覆盖这些支付，而不危及满足其他财务承诺的能力。对于个人来说，高债务服务率可能表明他们负债过多，意味着他们大部分收入都用于偿还债务。这可能导致财务压力，因为可能没有多少剩余用于储蓄、投资或自由支出。通常建议个人将其债务服务率保持在某个阈值以下——通常约为36%——以维持健康的财务平衡。当这个比率超过推荐水平时，管理日常开支和规划未来财务目标可能会变得具有挑战性。另一方面，企业也需要密切监控其债务服务率。公司的收入产生足够的收入来覆盖其债务义务的能力是其运营效率和财务稳定性的关键指标。投资者和债权人通常在评估公司的信用worthiness时仔细审查这一比率。如果一家企业的债务服务率很高，它可能会在获得额外资金或投资方面遇到困难，因为贷方可能会将其视为风险较大的提议。因此，保持平衡的债务服务率对于希望增长和扩展的公司至关重要。此外，债务服务率可能因债务类型和相关条款而有显著差异。例如，长期贷款通常比短期贷款每月付款较低，这可能导致更高的债务服务率。了解这些细微差别可以帮助个人和企业做出明智的借款策略决策。总之，债务服务率是个人和企业财务中的一个基本概念，反映了用于偿还债务的收入或收入的比例。监控这一比率有助于个人和企业保持财务健康，避免过度负债的陷阱。通过将其债务服务率保持在可管理的范围内，他们可以确保拥有必要的资源来投资于未来，无论是通过储蓄、业务扩展还是其他财务机会。认识到这一指标的重要性是实现长期财务稳定和成功的第一步。