discounted present value

简明释义

贴现后的现值

英英释义

例句

1.The formula for calculating discounted present value includes the expected rate of return.

计算现值折现的公式包括预期的回报率。

2.A higher discount rate will lower the discounted present value of future cash flows.

较高的折现率会降低未来现金流的现值折现。

3.To make informed decisions, the finance team analyzed the discounted present value of each potential acquisition.

为了做出明智的决策，财务团队分析了每个潜在收购的现值折现。

4.The company calculated the discounted present value of future cash flows to determine the project's viability.

公司计算了未来现金流的现值折现以确定项目的可行性。

5.Investors often look at the discounted present value to assess the worth of an investment over time.

投资者通常会查看现值折现来评估投资随时间的价值。

作文

The concept of discounted present value plays a crucial role in finance and economics, particularly when evaluating the worth of future cash flows. At its core, discounted present value (DPV) refers to the current value of a sum of money that is expected to be received in the future, adjusted for the time value of money. This principle recognizes that a dollar today is worth more than a dollar in the future due to its potential earning capacity. Therefore, investors and financial analysts use this concept to make informed decisions about investments, projects, and financial planning.To understand discounted present value, one must first grasp the idea of the time value of money. Money can earn interest, which means that any amount of money is worth more the sooner it is received. For example, if you have the option to receive $100 today or $100 a year from now, it is more beneficial to take the money today because you could invest it and earn interest over the year. The discounted present value formula quantifies this by applying a discount rate to future cash flows, allowing individuals to compare the value of receiving money at different points in time.The formula for calculating discounted present value is as follows: DPV = FV / (1 + r)^n, where FV represents the future value of the cash flow, r is the discount rate, and n is the number of periods until the cash flow is received. By manipulating this formula, one can determine how much a future sum of money is worth today. For instance, if an investor expects to receive $1,000 in five years and uses a discount rate of 5%, the discounted present value would be calculated as follows: DPV = 1000 / (1 + 0.05)^5, which results in approximately $783.53. This calculation indicates that receiving $1,000 in five years is equivalent to having about $783.53 today.Understanding discounted present value is particularly important in investment decisions. Investors often look at potential projects or investments and evaluate whether the expected returns justify the risks involved. By calculating the discounted present value of future cash flows generated by an investment, they can determine if the investment is worthwhile. If the DPV is greater than the initial investment cost, it may be considered a good opportunity. Conversely, if the DPV is less than the investment cost, it may not be a wise choice.Moreover, discounted present value is also widely used in various financial applications, including capital budgeting, project evaluation, and valuing financial assets. Companies frequently utilize this method to assess the viability of long-term projects, ensuring that the projected returns exceed the costs when adjusted for the time value of money. Additionally, in personal finance, individuals can apply the principles of discounted present value to make decisions regarding savings, retirement planning, and loan management.In conclusion, the concept of discounted present value is fundamental in understanding the valuation of future cash flows in the present context. It emphasizes the importance of time in financial decision-making and provides a systematic approach to evaluating investment opportunities. As such, mastering this concept is essential for anyone looking to navigate the complexities of finance and make sound financial choices. By recognizing the relevance of discounted present value, individuals and businesses can enhance their financial literacy and improve their investment strategies.

“折现现值”这一概念在金融和经济学中发挥着至关重要的作用，尤其是在评估未来现金流的价值时。从本质上讲，“折现现值”（DPV）是指预期将在未来收到的一笔款项的当前价值，经过货币时间价值的调整。这个原则认识到今天的一美元比未来的一美元更有价值，因为它具有潜在的收益能力。因此，投资者和金融分析师使用这一概念来对投资、项目和财务规划做出明智的决策。要理解“折现现值”，首先必须掌握货币时间价值的概念。钱可以赚取利息，这意味着任何金额的钱在收到的越早就越有价值。例如，如果你有选择立即收到100美元或一年后再收到100美元的选项，那么今天拿到钱更有利，因为你可以将其投资并在一年内赚取利息。“折现现值”公式通过对未来现金流应用折现率来量化这一点，使个人能够比较在不同时间点收到资金的价值。计算“折现现值”的公式如下：DPV = FV / (1 + r)^n，其中FV代表现金流的未来价值，r是折现率，n是收到现金流的周期数。通过操纵这个公式，人们可以确定未来一笔钱今天值多少钱。例如，如果一位投资者预计在五年后收到1000美元，并使用5%的折现率，则“折现现值”将计算如下：DPV = 1000 / (1 + 0.05)^5，结果大约为783.53美元。这一计算表明，在五年后收到1000美元相当于今天拥有约783.53美元。理解“折现现值”在投资决策中尤为重要。投资者通常会考虑潜在的项目或投资，评估预期回报是否值得承担相关风险。通过计算投资所产生的未来现金流的“折现现值”，他们可以判断该投资是否值得。如果DPV大于初始投资成本，则可能被视为一个良好的机会。相反，如果DPV低于投资成本，则可能不是一个明智的选择。此外，“折现现值”还广泛应用于各种金融领域，包括资本预算、项目评估和金融资产估值。公司经常利用这种方法来评估长期项目的可行性，确保在调整货币时间价值后，预期回报超过成本。此外，在个人理财中，个人可以应用“折现现值”的原则来做出关于储蓄、退休规划和贷款管理的决策。总之，“折现现值”这一概念对于理解在当前背景下未来现金流的估值至关重要。它强调了时间在财务决策中的重要性，并提供了一种系统的方法来评估投资机会。因此，掌握这一概念对于任何希望驾驭金融复杂性并做出明智财务选择的人来说都是必要的。通过认识到“折现现值”的相关性，个人和企业可以提高财务素养，改善投资策略。