solvency; ability to pay; loan worthy

简明释义

有偿付能力

英英释义

例句

1.Investors often look for companies with strong solvency; ability to pay; loan worthy indicators to minimize risk.

投资者通常寻找具有强大偿付能力；还款能力；贷款资格指标的公司，以降低风险。

2.A company’s solvency; ability to pay; loan worthy is evaluated during the due diligence process.

在尽职调查过程中，公司偿付能力；还款能力；贷款资格会被评估。

3.Before granting the mortgage, the bank assessed the borrower's solvency; ability to pay; loan worthy.

在批准抵押贷款之前，银行评估了借款人的偿付能力；还款能力；贷款资格。

4.The financial advisor explained that maintaining solvency; ability to pay; loan worthy is crucial for long-term success.

财务顾问解释说，保持偿付能力；还款能力；贷款资格对于长期成功至关重要。

5.The credit report revealed the individual's solvency; ability to pay; loan worthy status.

信用报告揭示了个人的偿付能力；还款能力；贷款资格状态。

作文

In the world of finance, understanding the concepts of solvency (偿付能力), ability to pay (支付能力), and loan worthy (贷款资格) is crucial for both individuals and businesses. These terms are essential in assessing financial health and determining whether a person or entity can meet their debt obligations. This essay will explore these concepts in detail, emphasizing their significance in the financial landscape.Firstly, solvency is a fundamental measure of an entity's ability to meet its long-term financial obligations. A solvent individual or company has sufficient assets to cover its liabilities. For instance, if a business has $1 million in assets and $800,000 in liabilities, it is considered solvent because it can pay off its debts while retaining a positive net worth. On the other hand, if liabilities exceed assets, the entity is deemed insolvent, which can lead to bankruptcy or liquidation. Therefore, maintaining solvency is vital for sustaining operations and ensuring long-term success.Secondly, the ability to pay refers to an individual's or organization's capacity to make timely payments on debts as they come due. This concept is closely related to cash flow management. For example, a business may be solvent on paper but still struggle with cash flow issues. If it has high receivables that are not being collected promptly, it might face challenges in meeting its immediate payment obligations. Thus, having a strong ability to pay is essential for avoiding defaults and maintaining a good credit rating.Furthermore, the concept of being loan worthy is critical when seeking financing. Lenders assess whether a borrower is loan worthy by evaluating their credit history, income stability, and overall financial health. A borrower with a strong credit score, a steady income, and a low debt-to-income ratio is generally considered loan worthy. This assessment helps lenders mitigate risks associated with lending money. For instance, if a small business applies for a loan to expand its operations, the lender will scrutinize its financial statements to ensure it has the solvency and ability to pay necessary to repay the loan.In conclusion, the terms solvency, ability to pay, and loan worthy play a pivotal role in the financial decision-making process. Understanding these concepts enables individuals and businesses to evaluate their financial status accurately and make informed choices regarding borrowing and investment. By maintaining solvency, ensuring a strong ability to pay, and proving to be loan worthy, one can navigate the complexities of finance successfully and achieve long-term financial stability.

在金融领域，理解“solvency（偿付能力）”、“ability to pay（支付能力）”和“loan worthy（贷款资格）”这几个概念对个人和企业来说至关重要。这些术语在评估财务健康状况和确定一个人或实体是否能够履行其债务义务方面是必不可少的。本文将详细探讨这些概念，强调它们在金融环境中的重要性。首先，solvency 是衡量一个实体满足其长期财务义务能力的基本指标。一个有偿付能力的个人或公司拥有足够的资产来覆盖其负债。例如，如果一家企业拥有100万美元的资产和80万美元的负债，那么它被认为是有偿付能力的，因为它可以清偿债务，同时保持正的净资产。另一方面，如果负债超过资产，则该实体被视为无偿付能力，这可能导致破产或清算。因此，保持solvency对于维持运营和确保长期成功至关重要。其次，ability to pay指的是个人或组织按时偿还债务的能力。这个概念与现金流管理密切相关。例如，一家企业在账面上可能是有偿付能力的，但仍然可能面临现金流问题。如果它有大量未及时收回的应收账款，它可能会面临履行即时支付义务的挑战。因此，拥有强大的ability to pay对于避免违约和维持良好的信用评级至关重要。此外，成为loan worthy的概念在寻求融资时至关重要。贷方通过评估借款人的信用历史、收入稳定性和整体财务健康状况来判断其是否具备loan worthy的资格。一个信用评分高、收入稳定且债务收入比低的借款人通常被视为loan worthy。这种评估帮助贷方降低与借款相关的风险。例如，如果一家小企业申请贷款以扩大运营，贷方将仔细审查其财务报表，以确保其具备偿还贷款所需的solvency和ability to pay。总之，solvency、ability to pay和loan worthy这几个术语在财务决策过程中发挥着关键作用。理解这些概念使个人和企业能够准确评估其财务状况，并做出明智的借贷和投资选择。通过保持solvency、确保强大的ability to pay和证明自己具备loan worthy的条件，人们可以成功应对金融复杂性，实现长期财务稳定。