ratio of cash to income

简明释义

现金收入比

英英释义

例句

1.The financial analyst calculated the ratio of cash to income to assess the company's liquidity.

财务分析师计算了现金与收入的比率以评估公司的流动性。

2.A high ratio of cash to income indicates that a company has sufficient cash flow for operations.

高现金与收入的比率表明公司有足够的现金流用于运营。

3.Investors often look at the ratio of cash to income to determine how well a business can cover its expenses.

投资者通常会查看现金与收入的比率以确定企业如何能够支付其费用。

4.The ratio of cash to income is crucial for startups that need to manage limited resources carefully.

对于需要仔细管理有限资源的初创企业来说，现金与收入的比率至关重要。

5.During the budget meeting, we discussed the ratio of cash to income to ensure financial stability.

在预算会议上，我们讨论了现金与收入的比率以确保财务稳定。

作文

Understanding the financial health of an individual or a business is crucial for making informed decisions. One of the key metrics used to evaluate this aspect is the ratio of cash to income. This ratio provides insight into how much cash a person or organization has available compared to their income, which can be an essential indicator of liquidity and financial stability. In simple terms, the ratio of cash to income (现金与收入的比率) measures the proportion of cash on hand relative to the total income generated over a specific period.To calculate the ratio of cash to income, one would divide the total cash available by the total income earned during the same timeframe. For instance, if an individual has $10,000 in cash and earns $50,000 annually, the ratio of cash to income would be 0.2, or 20%. This means that 20% of their income is readily available in cash form. This ratio is particularly important for assessing short-term financial flexibility, as having a higher ratio indicates that an individual or business can easily cover unexpected expenses or downturns in income.For businesses, the ratio of cash to income can help stakeholders understand how well the company is managing its cash flow. A healthy cash position is vital for operations, and a low ratio may signal potential liquidity issues. Investors often look at this metric when deciding whether to invest in a company, as it reflects the company's ability to meet its short-term obligations without relying heavily on credit or loans.In personal finance, the ratio of cash to income can guide individuals in budgeting and saving. A higher ratio suggests that a person is living within their means and has a cushion for emergencies. Conversely, a lower ratio may indicate that someone is spending beyond their income or not saving enough, which could lead to financial difficulties in the future.It's essential to note that while the ratio of cash to income is a useful tool, it should not be the sole measure of financial health. Other factors, such as debt levels, investment portfolios, and overall expenses, also play significant roles in assessing financial stability. Therefore, individuals and businesses should consider multiple financial metrics to gain a comprehensive understanding of their financial situation.Moreover, the ratio of cash to income can vary significantly across different industries and economic conditions. For example, startups may have a lower ratio due to high initial costs and lower income, while established companies typically have a higher ratio as they have more stable revenue streams. Understanding these context-specific factors is crucial for interpreting the ratio of cash to income accurately.In conclusion, the ratio of cash to income is a vital financial metric that provides insights into liquidity and financial health. By analyzing this ratio, both individuals and businesses can make better financial decisions, ensuring they remain solvent and prepared for future challenges. As with any financial analysis, it is essential to look at the ratio of cash to income in conjunction with other financial indicators to form a complete picture of one's financial status.

理解个人或企业的财务健康状况对于做出明智的决策至关重要。评估这一方面的关键指标之一是现金与收入的比率。这个比率提供了一个人或组织可用现金与其收入的比较，这可以是流动性和财务稳定性的基本指标。简单来说，现金与收入的比率（ratio of cash to income）衡量的是在特定时间段内手头现金相对于总收入的比例。计算现金与收入的比率的方法是将可用现金总额除以同一时期内的总收入。例如，如果一个人有$10,000现金，并且年收入为$50,000，那么现金与收入的比率为0.2，即20%。这意味着他们的20%的收入以现金形式随时可用。这个比率对于评估短期财务灵活性尤为重要，因为较高的比率表明个人或企业能够轻松覆盖意外支出或收入下降。对于企业来说，现金与收入的比率可以帮助利益相关者了解公司如何管理现金流。健康的现金状况对运营至关重要，而低比率可能表明潜在的流动性问题。投资者通常会关注这一指标，以决定是否投资于某家公司，因为它反映了公司在不依赖信贷或贷款的情况下满足短期义务的能力。在个人财务中，现金与收入的比率可以指导个人进行预算和储蓄。较高的比率表明一个人生活在其经济能力之内，并且拥有应急资金。相反，较低的比率可能表明某人超支或储蓄不足，这可能导致未来的财务困难。需要注意的是，虽然现金与收入的比率是一个有用的工具，但不应作为财务健康的唯一衡量标准。其他因素，如债务水平、投资组合和整体开支，也在评估财务稳定性中扮演着重要角色。因此，个人和企业应该考虑多个财务指标，以全面了解其财务状况。此外，现金与收入的比率在不同的行业和经济条件下可能会有显著差异。例如，初创企业由于初期成本高和收入较低，可能会有较低的比率，而成熟公司通常由于收入来源更稳定而拥有更高的比率。理解这些特定环境因素对于准确解读现金与收入的比率至关重要。总之，现金与收入的比率是一个重要的财务指标，提供了流动性和财务健康的洞察。通过分析这一比率，个人和企业都能做出更好的财务决策，确保他们保持偿付能力并为未来的挑战做好准备。与任何财务分析一样，审视现金与收入的比率时，结合其他财务指标形成完整的财务状况图像是至关重要的。