long-term debt

简明释义

长期负债

英英释义

例句

1.A high ratio of long-term debt to equity can indicate financial risk for a business.

高比例的长期债务与股本的比率可能表明企业的财务风险。

2.The company decided to refinance its long-term debt to take advantage of lower interest rates.

公司决定再融资其长期债务以利用较低的利率。

3.Investors are often concerned about a firm's long-term debt levels when assessing its financial health.

投资者在评估公司的财务健康状况时，通常会关注公司的长期债务水平。

4.She invested in bonds that are backed by long-term debt issued by the government.

她投资于由政府发行的以长期债务为支持的债券。

5.The long-term debt repayment schedule was carefully planned to avoid cash flow issues.

为避免现金流问题，长期债务的还款计划被仔细安排。

作文

Understanding financial concepts is crucial for both individuals and businesses, as it helps in making informed decisions. One such concept is long-term debt, which refers to loans and financial obligations that are due for repayment in more than one year. This type of debt can include bonds, mortgages, and other forms of financing that require a longer repayment period. The significance of long-term debt in financial planning cannot be overstated, as it plays a vital role in capital structure and investment strategies.For businesses, utilizing long-term debt can be a strategic move to finance expansion projects or to invest in new technologies. By borrowing funds over an extended period, companies can spread the cost of their investments, allowing for better cash flow management. This is particularly important for startups and growing firms that may not have immediate access to sufficient capital. For instance, a tech startup might take on long-term debt to develop a new product, expecting that the revenue generated will exceed the cost of the loan over time.However, while long-term debt can provide necessary funding, it also comes with risks. If a business takes on too much debt, it may struggle to meet its obligations, especially if market conditions change or if the expected revenue does not materialize. This could lead to financial distress or even bankruptcy. Therefore, it is essential for businesses to carefully assess their capacity to repay long-term debt before committing to it.On a personal level, individuals often encounter long-term debt through mortgages or student loans. A mortgage, for example, is a common form of long-term debt that allows individuals to purchase homes without having to pay the entire price upfront. While this enables homeownership, it also means that borrowers are committed to monthly payments for many years, typically 15 to 30 years. Understanding the terms and implications of long-term debt is critical for individuals to avoid overextending themselves financially.Moreover, managing long-term debt effectively can lead to improved credit scores and financial stability. Timely payments on long-term debt can enhance an individual’s creditworthiness, making it easier to secure future loans at favorable interest rates. Conversely, missed payments can lead to higher interest rates and potential foreclosure in the case of mortgages.In conclusion, long-term debt is a fundamental aspect of both corporate finance and personal financial management. It provides opportunities for growth and investment but also requires careful consideration and planning. Individuals and businesses alike must evaluate their financial situations and make strategic decisions regarding long-term debt to ensure they are not only able to meet their obligations but also to thrive in their respective markets. Ultimately, understanding the nuances of long-term debt can empower stakeholders to navigate the complexities of financial landscapes successfully.

理解金融概念对个人和企业至关重要，因为它有助于做出明智的决策。其中一个概念是长期债务，指的是到期还款时间超过一年的贷款和财务义务。这种类型的债务可以包括债券、抵押贷款和其他需要较长还款期的融资形式。长期债务在财务规划中的重要性不容小觑，因为它在资本结构和投资策略中发挥着至关重要的作用。对于企业而言，利用长期债务可以成为融资扩张项目或投资新技术的战略举措。通过在较长时间内借入资金，公司可以分摊投资成本，从而实现更好的现金流管理。这对于初创公司和成长型企业尤其重要，因为它们可能无法立即获得足够的资本。例如，一家科技初创公司可能会承担长期债务来开发新产品，期待所产生的收入将超过贷款成本。然而，尽管长期债务可以提供必要的资金，但它也伴随着风险。如果企业承担过多债务，可能会在市场条件变化或预期收入未能实现时难以履行义务。这可能导致财务困境甚至破产。因此，企业在承诺之前必须仔细评估其偿还长期债务的能力。在个人层面，个人通常通过抵押贷款或学生贷款遇到长期债务。例如，抵押贷款是一种常见的长期债务形式，允许个人在无需一次性支付全部价格的情况下购买房屋。虽然这使得拥有住房成为可能，但这也意味着借款人承诺在许多年内每月付款，通常为15到30年。了解长期债务的条款和影响对个人来说至关重要，以避免在财务上过度扩展自己。此外，有效管理长期债务可以改善信用评分和财务稳定性。按时支付长期债务可以提高个人的信用worthiness，使其更容易以优惠利率获得未来贷款。相反，错过付款可能导致更高的利率以及在抵押贷款的情况下可能面临止赎。总之，长期债务是企业金融和个人财务管理的基本方面。它提供了增长和投资的机会，但也需要仔细考虑和规划。个人和企业都必须评估其财务状况，并就长期债务做出战略决策，以确保他们不仅能够履行义务，而且能够在各自市场中蓬勃发展。最终，理解长期债务的细微差别可以使利益相关者成功应对金融环境的复杂性。