original maturity

简明释义

原定偿还期

英英释义

例句

1.The loan has an original maturity of five years, which can be extended if necessary.

该贷款的原始到期时间为五年，如有必要可延长。

2.The bond was issued with an original maturity of ten years.

这只债券的原始到期时间为十年。

3.Investors should consider the original maturity when assessing the risk of a bond.

投资者在评估债券风险时应考虑原始到期时间。

4.Understanding the original maturity of your investments can help you plan for future cash flows.

理解投资的原始到期时间可以帮助你规划未来的现金流。

5.The original maturity of this certificate of deposit is three months.

这张存款证的原始到期时间为三个月。

作文

In the world of finance, understanding terms like original maturity is crucial for making informed investment decisions. The term original maturity refers to the length of time until a financial instrument, such as a bond or loan, reaches its due date. This period is defined at the time of issuance and can significantly influence the risk and return profile of the investment. For instance, a bond with a longer original maturity typically carries more interest rate risk compared to one with a shorter duration. Investors must consider this factor when constructing their portfolios, as it can affect their overall financial strategy.The concept of original maturity is not just relevant for bonds; it applies to various types of loans as well. For example, a mortgage often has a fixed original maturity of 15 to 30 years. Understanding the implications of this duration is essential for borrowers, as it affects their monthly payment amounts and the total interest paid over the life of the loan. A longer original maturity might result in lower monthly payments, but it also means paying more interest in the long run.Furthermore, the original maturity of an investment can impact its liquidity. Instruments with shorter maturities are generally easier to sell in secondary markets, while those with longer maturities may be harder to liquidate quickly without incurring losses. Investors should weigh their need for liquidity against the benefits of potentially higher yields from longer-maturity investments.When considering original maturity, investors should also take into account their financial goals and risk tolerance. Those seeking stable income might prefer bonds with shorter original maturities that provide predictable cash flows, while those willing to accept more risk for potentially higher returns might opt for longer-maturity instruments. Additionally, market conditions can affect the desirability of different maturities. In a rising interest rate environment, for example, longer-term bonds may lose value more rapidly than shorter-term ones, which can lead to significant capital losses for investors.In summary, the term original maturity plays a vital role in the financial landscape. It influences the risk, return, liquidity, and overall strategy of investments. By understanding this concept, investors can make more informed decisions that align with their financial objectives. Whether one is investing in bonds, loans, or other financial instruments, recognizing the importance of original maturity is essential for effective portfolio management. As the financial markets continue to evolve, staying informed about such terms will empower investors to navigate their choices with confidence and clarity.

在金融世界中，理解像原始到期这样的术语对于做出明智的投资决策至关重要。术语原始到期指的是金融工具（如债券或贷款）到达到期日的时间长度。这一时期在发行时就已确定，并且会显著影响投资的风险和回报特征。例如，与短期债券相比，具有较长原始到期的债券通常承载着更多的利率风险。投资者在构建投资组合时必须考虑这一因素，因为它会影响他们整体的金融策略。原始到期的概念不仅适用于债券；它同样适用于各种类型的贷款。例如，抵押贷款通常具有固定的原始到期，为15到30年。理解这一期限的影响对于借款人至关重要，因为它影响他们的每月还款额以及在贷款生命周期内支付的总利息。较长的原始到期可能导致较低的每月还款，但这也意味着在长期内支付更多的利息。此外，投资的原始到期可以影响其流动性。短期的金融工具通常更容易在二级市场上出售，而较长的到期可能会使快速变现变得更加困难，除非愿意承担损失。投资者应权衡对流动性的需求与从长期投资中可能获得的更高收益之间的关系。在考虑原始到期时，投资者还应考虑他们的财务目标和风险承受能力。那些寻求稳定收入的人可能更喜欢具有较短原始到期的债券，这样可以提供可预测的现金流，而愿意接受更多风险以获得潜在更高回报的人则可能选择长期投资。此外，市场条件也会影响不同到期的吸引力。例如，在利率上升的环境中，长期债券的价值可能比短期债券更快贬值，这可能导致投资者遭受重大资本损失。总之，术语原始到期在金融领域中扮演着至关重要的角色。它影响着投资的风险、回报、流动性和整体策略。通过理解这一概念，投资者可以做出更符合其财务目标的明智决策。无论是投资债券、贷款还是其他金融工具，认识到原始到期的重要性对于有效的投资组合管理至关重要。随着金融市场的不断发展，了解这些术语将使投资者能够自信而清晰地导航他们的选择。