cash equivalents

简明释义

现金利益

英英释义

例句

1.The company's balance sheet shows that its total current assets include cash and cash equivalents.

公司的资产负债表显示，其总流动资产包括现金和现金等价物。

2.When analyzing a startup, it's important to assess their cash equivalents to gauge financial health.

在分析一家初创公司时，评估其现金等价物以判断财务健康状况是很重要的。

3.Investors often look for companies with a strong position in cash equivalents to ensure liquidity.

投资者通常寻找在现金等价物方面有强大实力的公司，以确保流动性。

4.The finance team recommended increasing the allocation to cash equivalents for better risk management.

财务团队建议增加对现金等价物的配置，以更好地进行风险管理。

5.In times of economic uncertainty, having a large amount of cash equivalents can be a safety net.

在经济不确定时期，拥有大量的现金等价物可以作为安全网。

作文

In the world of finance, understanding liquidity is crucial for both individuals and businesses. One key term that often arises in discussions about liquidity is cash equivalents. These are financial instruments that are very close to cash in terms of liquidity. They can be quickly converted into cash with minimal risk of loss. Common examples include Treasury bills, money market funds, and short-term government bonds. The significance of cash equivalents lies in their ability to provide a safety net for investors and companies during times of economic uncertainty.For instance, a business may hold a portion of its assets in cash equivalents to ensure that it has enough liquidity to meet its short-term obligations. This is particularly important for companies that experience fluctuating revenues or face unexpected expenses. By having these liquid assets on hand, they can manage their cash flow more effectively and avoid the pitfalls of insolvency.On a personal finance level, individuals also benefit from understanding cash equivalents. Many people choose to keep some of their savings in high-yield savings accounts or money market accounts, which are considered cash equivalents. These accounts allow individuals to earn interest while maintaining easy access to their funds. This balance between earning potential and liquidity is essential for effective financial planning.Moreover, during times of economic downturn, investments in cash equivalents tend to perform better than stocks or other riskier assets. For example, during the 2008 financial crisis, many investors turned to cash equivalents as a way to preserve their capital. This shift highlighted the importance of having liquid assets available when markets become volatile.However, it's essential to note that while cash equivalents offer safety and liquidity, they typically yield lower returns compared to other investment options like stocks or real estate. Therefore, investors must strike a balance between maintaining liquidity and pursuing higher returns. A well-diversified portfolio often includes a mix of cash equivalents, stocks, bonds, and other asset classes to mitigate risk and optimize growth potential.In conclusion, the concept of cash equivalents plays a vital role in both personal and corporate finance. Understanding what constitutes cash equivalents and how to effectively incorporate them into a financial strategy can significantly enhance an individual’s or organization’s financial health. As we navigate the complexities of the financial landscape, recognizing the value of liquidity through cash equivalents will remain an essential skill for achieving long-term financial stability and success.

在金融世界中，理解流动性对个人和企业都至关重要。在讨论流动性时，常常会提到一个关键术语——现金等价物。这些是与现金在流动性方面非常接近的金融工具。它们可以快速转换为现金，并且几乎没有损失的风险。常见的例子包括国库券、货币市场基金和短期政府债券。现金等价物的重要性在于它们能够为投资者和公司在经济不确定时期提供安全网。例如，一家公司可能会将一部分资产持有为现金等价物，以确保它有足够的流动性来满足短期义务。这对于收入波动或面临意外支出的公司尤为重要。通过手头拥有这些流动资产，他们可以更有效地管理现金流，避免破产的陷阱。在个人理财层面，个人也能从理解现金等价物中受益。许多人选择将部分储蓄存放在高收益储蓄账户或货币市场账户中，这些都被视为现金等价物。这些账户允许个人在保持资金易于访问的同时赚取利息。实现收益潜力与流动性之间的平衡对于有效的财务规划至关重要。此外，在经济低迷时期，现金等价物的投资往往表现得比股票或其他风险较高的资产更好。例如，在2008年金融危机期间，许多投资者转向现金等价物以保护他们的资本。这一转变突显了在市场波动时拥有流动资产的重要性。然而，需要注意的是，虽然现金等价物提供安全性和流动性，但它们通常产生的回报低于股票或房地产等其他投资选择。因此，投资者必须在保持流动性和追求更高回报之间取得平衡。一个良好的多元化投资组合通常包括混合的现金等价物、股票、债券和其他资产类别，以降低风险并优化增长潜力。总之，现金等价物的概念在个人和企业财务中扮演着至关重要的角色。理解什么构成现金等价物以及如何有效地将其纳入财务策略，可以显著增强个人或组织的财务健康。在我们应对复杂的金融环境时，认识到通过现金等价物获得流动性的价值将始终是实现长期财务稳定和成功的一项基本技能。