long-term liability

简明释义

长期负债

英英释义

例句

1.The company's balance sheet shows a significant amount of long-term liability, which includes bonds payable.

公司的资产负债表显示了大量的长期负债，其中包括应付债券。

2.The bank requires a thorough analysis of long-term liability before approving the loan.

银行在批准贷款之前要求对长期负债进行全面分析。

3.Investors are concerned about the long-term liability that may impact future cash flows.

投资者对可能影响未来现金流的长期负债感到担忧。

4.A rise in long-term liability can indicate potential financial distress for a company.

增加的长期负债可能表明公司潜在的财务困境。

5.Managing long-term liability is crucial for maintaining a healthy financial position.

管理长期负债对于维持健康的财务状况至关重要。

作文

Understanding financial terms is crucial for anyone interested in managing personal or business finances effectively. One such term that often comes up in accounting and finance is long-term liability. This term refers to obligations that a company or individual must settle over a period longer than one year. Examples of long-term liabilities include bonds payable, long-term loans, and lease obligations. Understanding these liabilities is essential for assessing the financial health of an entity.When a company takes on long-term liabilities, it is typically doing so to finance significant investments or expansions. For instance, a corporation may issue bonds to raise capital for new projects. These bonds are considered long-term liabilities because they are not due for payment until several years into the future. This can provide the company with the necessary funds to grow without immediately impacting its cash flow.However, taking on long-term liabilities also comes with risks. If a company becomes over-leveraged, meaning it has taken on too much debt, it may struggle to meet its obligations when they come due. This can lead to financial distress and, in severe cases, bankruptcy. Therefore, it is critical for companies to maintain a balance between their long-term liabilities and their assets, ensuring they have enough resources to cover their debts.From an investor's perspective, analyzing a company's long-term liabilities is vital for making informed decisions. Investors often look at the debt-to-equity ratio, which compares a company's total liabilities to its shareholders' equity. A high ratio may indicate that a company is heavily reliant on debt financing, which could pose a risk during economic downturns. Conversely, a lower ratio may suggest a more stable financial position, making the company a more attractive investment.Individuals also encounter long-term liabilities in their personal finances. Common examples include mortgages and student loans. When someone takes out a mortgage to buy a home, they are committing to a long-term liability that can span 15 to 30 years. While this allows them to purchase a home they might not be able to afford upfront, it also means they must budget carefully to ensure they can make their monthly payments over the life of the loan.In conclusion, understanding long-term liabilities is essential for both businesses and individuals. These obligations can facilitate growth and investment but also carry risks that must be managed. By carefully analyzing and planning for long-term liabilities, entities can ensure they remain financially healthy and capable of meeting their obligations. Whether you are a business owner seeking to expand or an individual managing your finances, having a clear grasp of long-term liabilities will help you make better financial decisions and secure your future.

理解金融术语对任何希望有效管理个人或商业财务的人来说都是至关重要的。其中一个在会计和金融中经常出现的术语是长期负债。这个术语指的是公司或个人必须在超过一年期限内结清的义务。长期负债的例子包括应付债券、长期贷款和租赁义务。理解这些负债对于评估一个实体的财务健康状况至关重要。当一家公司承担长期负债时，通常是为了为重大投资或扩展提供资金。例如，一家公司可能会发行债券以筹集新项目的资本。这些债券被视为长期负债，因为它们在未来几年的某个时间才到期支付。这可以为公司提供必要的资金以增长，而不会立即影响其现金流。然而，承担长期负债也带来风险。如果一家公司过度杠杆化，即承担了过多的债务，它可能会在到期时难以履行其义务。这可能导致财务困境，在严重情况下甚至破产。因此，公司必须在其长期负债和资产之间保持平衡，确保它们有足够的资源来偿还债务。从投资者的角度来看，分析公司的长期负债对于做出明智的决策至关重要。投资者通常会查看债务与股本比率，该比率比较公司的总负债与股东权益。高比率可能表明一家公司在很大程度上依赖债务融资，这在经济低迷时期可能构成风险。相反，较低的比率可能表明更稳定的财务状况，使公司成为更具吸引力的投资对象。个人在个人财务中也会遇到长期负债。常见的例子包括抵押贷款和学生贷款。当某人申请抵押贷款购买房屋时，他们承诺了一项长期负债，这可能持续15到30年。虽然这使他们能够购买可能无法立即负担的房屋，但这也意味着他们必须仔细预算，以确保能够在贷款期间按月偿还。总之，理解长期负债对企业和个人都至关重要。这些义务可以促进增长和投资，但也带来必须管理的风险。通过仔细分析和规划长期负债，实体可以确保其财务健康，并能够履行其义务。无论您是寻求扩展的企业主还是管理自己财务的个人，清楚掌握长期负债将帮助您做出更好的财务决策并保障您的未来。