quick assets

简明释义

可快速兑现的资产

英英释义

例句

1.Before granting a loan, banks analyze the quick assets 流动资产 of the borrower.

在批准贷款之前，银行会分析借款人的流动资产。

2.Investors often look at a firm's quick assets 流动资产 to assess its liquidity.

投资者通常查看公司的流动资产以评估其流动性。

3.The company reported that its quick assets 流动资产 have increased significantly this quarter.

公司报告称其流动资产在本季度显著增加。

4.A higher ratio of quick assets 流动资产 indicates better short-term financial health.

更高的流动资产比率表明更好的短期财务健康状况。

5.The accountant was pleased to see that the quick assets 流动资产 had surpassed the liabilities.

会计师很高兴看到流动资产超过了负债。

作文

In the world of finance and accounting, understanding the concept of quick assets is crucial for both individuals and businesses. Quick assets are those assets that can be quickly converted into cash or cash equivalents without significant loss in value. This category typically includes cash itself, marketable securities, and accounts receivable. The importance of quick assets lies in their ability to provide liquidity, which is essential for meeting short-term obligations and ensuring financial stability.For businesses, maintaining a healthy level of quick assets is vital for operational efficiency. Companies often face unexpected expenses or fluctuations in revenue, and having sufficient quick assets allows them to navigate these challenges without resorting to debt or other less favorable options. For instance, if a company encounters an urgent need for cash to pay suppliers or employees, having a robust portfolio of quick assets ensures that it can meet these obligations promptly.Additionally, investors and creditors closely monitor a company's quick assets when assessing its financial health. A high ratio of quick assets to current liabilities indicates that a company can easily cover its short-term debts, which is a positive sign for potential investors. Conversely, a low ratio may raise red flags, suggesting that the company might struggle to meet its obligations, leading to potential financial distress.Moreover, the calculation of quick assets is a critical component in determining a company's liquidity ratio, specifically the quick ratio. The quick ratio is calculated by dividing quick assets by current liabilities. This metric provides a more stringent assessment of liquidity than the current ratio because it excludes inventory from the assets considered. Since inventory may not be easily liquidated, the quick ratio offers a clearer picture of a company's short-term financial position.In personal finance, understanding quick assets is equally important. Individuals should aim to maintain a reserve of quick assets to cover emergencies or unexpected expenses. This could include savings accounts, money market accounts, or other easily accessible funds. By having sufficient quick assets, individuals can avoid relying on credit cards or loans, which may incur high-interest rates and lead to long-term debt.In conclusion, quick assets play a fundamental role in both corporate and personal finance. They provide the necessary liquidity to handle short-term obligations and unexpected expenses. By understanding and managing quick assets effectively, individuals and businesses can enhance their financial stability and make informed decisions that contribute to their overall success. As financial landscapes continue to evolve, the significance of quick assets will remain a cornerstone of sound financial management.

在金融和会计的世界中，理解流动资产这一概念对个人和企业都至关重要。流动资产是指那些能够迅速转化为现金或现金等价物而不会显著贬值的资产。这个类别通常包括现金本身、可交易证券和应收账款。流动资产的重要性在于它们提供流动性，这对于满足短期义务和确保财务稳定至关重要。对于企业而言，保持健康的流动资产水平对于运营效率至关重要。公司经常面临意外支出或收入波动，而拥有足够的流动资产可以让它们在没有借债或其他不太理想的选择的情况下应对这些挑战。例如，如果一家公司遇到急需现金来支付供应商或员工的情况，拥有强大的流动资产组合可以确保它能够及时满足这些义务。此外，投资者和债权人在评估公司的财务健康状况时，也会密切关注公司的流动资产。高比例的流动资产与流动负债相比，表明公司能够轻松覆盖其短期债务，这对潜在投资者来说是一个积极的信号。相反，低比例可能会引发警报，表明公司可能在满足其义务方面面临困难，从而导致潜在的财务困境。此外，流动资产的计算是确定公司流动性比率的关键组成部分，特别是速动比率。速动比率通过将流动资产除以流动负债来计算。这个指标提供了比流动比率更严格的流动性评估，因为它排除了库存这一资产。由于库存可能不容易变现，速动比率提供了公司短期财务状况的更清晰图景。在个人财务中，理解流动资产同样重要。个人应该努力保持一笔流动资产储备，以覆盖紧急情况或意外支出。这可以包括储蓄账户、货币市场账户或其他易于获取的资金。通过拥有足够的流动资产，个人可以避免依赖信用卡或贷款，这可能会产生高额利息并导致长期债务。总之，流动资产在企业和个人财务中发挥着基础性作用。它们提供了处理短期义务和意外支出的必要流动性。通过有效理解和管理流动资产，个人和企业可以增强其财务稳定性，并做出有助于其整体成功的明智决策。随着金融环境的不断演变，流动资产的重要性将始终是健全财务管理的基石。