cash ratio

简明释义

银行现金准备率［即存款准备金中的现金比率］

英英释义

例句

1.Investors often look at the cash ratio to assess a firm's liquidity position.

投资者通常会查看现金比率以评估公司的流动性状况。

2.The company's cash ratio is 0.5, indicating it has enough cash to cover half of its short-term liabilities.

公司的现金比率为0.5，表明它有足够的现金来覆盖一半的短期负债。

3.During the financial audit, the accountant highlighted the importance of maintaining a healthy cash ratio.

在财务审计期间，会计师强调保持健康的现金比率的重要性。

4.A higher cash ratio suggests that a company is more capable of paying off its current obligations.

更高的现金比率表明公司更有能力偿还其当前义务。

5.The startup's cash ratio was low, raising concerns about its ability to survive in the short term.

这家初创公司的现金比率较低，引发了对其短期生存能力的担忧。

作文

The financial health of a company can often be assessed through various ratios, one of the most significant being the cash ratio. The cash ratio is a liquidity measure that evaluates a company's ability to pay off its current liabilities using only its cash and cash equivalents. This ratio is particularly important for investors and creditors, as it provides insight into the company’s short-term financial stability. Unlike other liquidity ratios, such as the current ratio or quick ratio, the cash ratio focuses solely on the most liquid assets, which are cash and cash equivalents. To calculate the cash ratio, you use the formula: Cash Ratio = (Cash + Cash Equivalents) / Current LiabilitiesThis calculation gives a clear picture of how much cash is available to cover immediate obligations. A cash ratio greater than 1 indicates that a company has more cash than current liabilities, suggesting that it can easily meet its short-term obligations without relying on the sale of inventory or receivables. Conversely, a cash ratio below 1 may indicate potential liquidity problems, as it suggests that the company may not have enough cash on hand to cover its current debts. Investors often look for companies with a healthy cash ratio because it reflects prudent financial management. A strong cash ratio can also provide a buffer during economic downturns or unexpected financial challenges. For example, during a recession, companies with a high cash ratio may better withstand declines in revenue, as they have sufficient cash reserves to maintain operations. However, it's essential to note that an excessively high cash ratio could indicate that a company is not effectively utilizing its cash. Companies need to invest their cash to generate returns, and holding too much cash may suggest missed opportunities for growth. Therefore, while a high cash ratio can be a positive sign, it should be viewed in the context of the company's overall financial strategy and market conditions. In conclusion, the cash ratio is a crucial indicator of a company's liquidity and financial health. It allows stakeholders to gauge the company's ability to meet its short-term obligations without relying on external financing. By understanding and analyzing the cash ratio, investors and creditors can make informed decisions regarding their investments and loans. Ultimately, maintaining a balanced approach to liquidity is vital for any business aiming for long-term success and stability.

公司的财务健康状况通常可以通过各种比率进行评估，其中最重要的之一就是现金比率。现金比率是一种流动性指标，用于评估公司利用其现金及现金等价物偿还当前负债的能力。这个比率对于投资者和债权人特别重要，因为它提供了对公司短期财务稳定性的洞察。与其他流动性比率，如流动比率或速动比率不同，现金比率仅关注最流动的资产，即现金和现金等价物。要计算现金比率，您可以使用以下公式：现金比率 = (现金 + 现金等价物) / 当前负债该计算清晰地显示了可用于覆盖即时义务的现金数量。现金比率大于1表示公司拥有的现金超过当前负债，表明其可以轻松满足短期义务，而无需依赖于销售库存或应收账款。相反，现金比率低于1可能表明潜在的流动性问题，因为这表明公司可能没有足够的现金来偿还当前债务。投资者通常会寻找具有健康现金比率的公司，因为这反映了谨慎的财务管理。强劲的现金比率也可以在经济衰退或意外的财务挑战中提供缓冲。例如，在经济衰退期间，具有高现金比率的公司可能更能抵御收入下降，因为它们有足够的现金储备来维持运营。然而，需要注意的是，过高的现金比率可能表明公司未能有效利用其现金。公司需要投资其现金以产生回报，持有过多现金可能意味着错过增长机会。因此，尽管较高的现金比率可能是一个积极的迹象，但应在公司整体财务战略和市场条件的背景下进行审视。总之，现金比率是公司流动性和财务健康的重要指标。它允许利益相关者评估公司在不依赖外部融资的情况下满足短期义务的能力。通过理解和分析现金比率，投资者和债权人可以就其投资和贷款做出明智的决策。最终，保持流动性平衡的方法对于任何追求长期成功和稳定的企业都是至关重要的。