debt servicing capacity

简明释义

外债偿还能力

英英释义

例句

1.A high debt servicing capacity 债务偿付能力 indicates that an organization can easily meet its debt obligations.

高债务偿付能力 debt servicing capacity表明一个组织能够轻松满足其债务义务。

2.Investors often assess the debt servicing capacity 债务偿付能力 of a country before buying its bonds.

投资者通常在购买一个国家的债券之前评估其债务偿付能力 debt servicing capacity。

3.The bank will analyze your debt servicing capacity 债务偿付能力 before approving your loan application.

银行将在批准您的贷款申请之前分析您的债务偿付能力 debt servicing capacity。

4.During the financial crisis, many businesses struggled with their debt servicing capacity 债务偿付能力.

在金融危机期间，许多企业在其债务偿付能力 debt servicing capacity方面面临困难。

5.The company's debt servicing capacity 债务偿付能力 has improved significantly after the recent restructuring.

在最近的重组后，该公司的债务偿付能力 debt servicing capacity显著改善。

作文

Understanding the concept of debt servicing capacity is crucial for both individuals and businesses. In essence, debt servicing capacity refers to the ability of a borrower to meet their debt obligations, including interest payments and principal repayments, without facing financial distress. This metric is especially important for lenders when assessing the creditworthiness of potential borrowers. A strong debt servicing capacity indicates that the borrower has a stable income or revenue stream that can comfortably cover their debt payments, thereby reducing the risk of default.To illustrate this concept, consider a small business that has taken out a loan to expand its operations. The business owner must ensure that their revenue from sales is sufficient to cover not only the loan repayments but also other operational costs. If the business generates $10,000 in monthly revenue and has a monthly loan payment of $2,000, the debt servicing capacity can be calculated by comparing these figures. In this case, the business has a healthy margin, indicating a strong ability to service its debt.On the other hand, if the same business experiences a downturn and its monthly revenue drops to $3,000, the debt servicing capacity becomes a pressing concern. With a fixed loan payment of $2,000, the business would only have $1,000 left for other expenses, which could lead to financial strain. This scenario illustrates how fluctuations in income can directly impact a borrower’s debt servicing capacity.For individuals, understanding debt servicing capacity is equally important. It involves assessing one’s monthly income against all existing debt obligations, such as mortgages, car loans, and credit card payments. Financial advisors often recommend that individuals keep their debt-to-income ratio below 36% to maintain a healthy debt servicing capacity. This means that no more than 36% of an individual’s gross income should go towards servicing debts, allowing room for savings and other expenses.In summary, debt servicing capacity is a vital financial metric that reflects a borrower’s ability to manage their debt obligations effectively. Whether for individuals or businesses, maintaining a strong debt servicing capacity is essential to avoid financial difficulties and ensure long-term stability. Lenders use this metric to evaluate risks, while borrowers must be aware of their own capacity to prevent overextending themselves financially. Ultimately, a good grasp of debt servicing capacity can lead to better financial planning and decision-making, fostering a healthier economic environment for everyone involved.

理解债务偿还能力的概念对个人和企业来说至关重要。实质上，债务偿还能力指的是借款人满足其债务义务的能力，包括利息支付和本金偿还，而不面临财务困境。这个指标对于贷方在评估潜在借款人的信用worthiness时尤其重要。强大的债务偿还能力表明借款人有稳定的收入或收入来源，可以轻松覆盖他们的债务支付，从而降低违约风险。为了说明这个概念，考虑一个小企业已经贷款以扩大其运营。企业主必须确保他们的销售收入足以支付贷款还款以及其他运营成本。如果该企业每月产生10,000美元的收入，而每月贷款支付为2,000美元，则可以通过比较这些数字来计算债务偿还能力。在这种情况下，该企业有一个健康的利润率，表明其强大的债务偿还能力。另一方面，如果同样的企业经历了经济低迷，其每月收入降至3,000美元，则债务偿还能力成为一个紧迫的问题。在固定的贷款支付为2,000美元的情况下，该企业将只剩下1,000美元用于其他费用，这可能导致财务压力。这个场景说明了收入波动如何直接影响借款人的债务偿还能力。对于个人来说，理解债务偿还能力同样重要。这涉及评估一个人的月收入与所有现有债务义务之间的关系，例如抵押贷款、汽车贷款和信用卡付款。财务顾问通常建议个人将其债务与收入比率保持在36%以下，以维持健康的债务偿还能力。这意味着个人的总收入中不应超过36%用于偿还债务，从而为储蓄和其他支出留出空间。总之，债务偿还能力是一个重要的财务指标，反映了借款人有效管理债务义务的能力。无论是对个人还是企业，保持强大的债务偿还能力对于避免财务困难和确保长期稳定至关重要。贷方使用这一指标来评估风险，而借款人必须意识到自己的偿还能力，以防止过度扩张。最终，对债务偿还能力的良好把握可以促进更好的财务规划和决策，为所有相关方创造一个更健康的经济环境。