debt to net-worth ratio

简明释义

债务与资本净值比率

英英释义

例句

1.When evaluating your personal finances, it’s important to calculate your debt to net-worth ratio 负债与净资产比率 regularly.

在评估个人财务时，定期计算你的负债与净资产比率 debt to net-worth ratio 是很重要的。

2.Investors often look at the debt to net-worth ratio 负债与净资产比率 to assess a company's financial health before making investment decisions.

投资者通常会查看负债与净资产比率 debt to net-worth ratio 来评估公司在投资决策前的财务健康状况。

3.Financial advisors recommend keeping the debt to net-worth ratio 负债与净资产比率 under 0.5 for better financial stability.

财务顾问建议将负债与净资产比率 debt to net-worth ratio 保持在0.5以下，以获得更好的财务稳定性。

4.A high debt to net-worth ratio 负债与净资产比率 may indicate that a person is over-leveraged and could face financial difficulties.

较高的负债与净资产比率 debt to net-worth ratio 可能表明一个人过度借贷，可能面临财务困难。

5.Lenders often require borrowers to maintain a debt to net-worth ratio 负债与净资产比率 below a certain threshold to minimize risk.

贷款人通常要求借款人保持低于某一阈值的负债与净资产比率 debt to net-worth ratio 以降低风险。

作文

Understanding financial health is crucial for individuals and businesses alike. One of the key metrics used to assess this health is the debt to net-worth ratio. This ratio provides insight into how much debt a person or organization has relative to their net worth, which is essentially the difference between total assets and total liabilities. A high debt to net-worth ratio can indicate financial instability, while a low ratio suggests a healthier financial position.To delve deeper, let’s first define what net worth means. Net worth is calculated by subtracting total liabilities from total assets. For example, if an individual has assets worth $500,000 and liabilities totaling $300,000, their net worth would be $200,000. The debt to net-worth ratio is then calculated by dividing the total debt by the net worth. In this case, if the individual has $150,000 in debt, the ratio would be 150,000 / 200,000 = 0.75, or 75%. This indicates that 75% of the individual’s net worth is tied up in debt.Why is this ratio important? Financial advisors often use the debt to net-worth ratio to help clients understand their financial situation better. A ratio above 1 means that a person has more debt than net worth, which can be a red flag. It may suggest that they are over-leveraged, meaning they have taken on too much debt relative to their assets, which could lead to financial distress if not managed properly. Conversely, a ratio below 0.5 is generally seen as favorable, indicating that the individual has more assets than liabilities and is in a stable financial position.For businesses, the debt to net-worth ratio serves a similar purpose. It helps stakeholders understand the company’s leverage and risk profile. Companies with high ratios may face difficulties in securing loans or attracting investors, as they are perceived as higher risk. Investors often look for companies with a balanced approach to debt, where the debt to net-worth ratio reflects a sustainable level of borrowing that supports growth without compromising financial stability.In today's economy, understanding the debt to net-worth ratio is more critical than ever. With fluctuating interest rates and economic uncertainty, individuals and businesses must keep a close eye on their debt levels. Regularly calculating this ratio can help them make informed decisions about borrowing, investing, and managing expenses.Additionally, maintaining a healthy debt to net-worth ratio requires discipline and strategic planning. Individuals should aim to pay down high-interest debts first and avoid accumulating unnecessary liabilities. Businesses need to ensure that any debt taken on is for productive purposes, such as expanding operations or investing in new technologies.In conclusion, the debt to net-worth ratio is a vital tool for assessing financial health. By understanding and monitoring this ratio, individuals and businesses can make better financial decisions, ultimately leading to greater stability and success. Whether you are managing personal finances or running a company, keeping an eye on your debt to net-worth ratio can provide valuable insights into your financial future.

理解财务健康对个人和企业都至关重要。评估这种健康状况的关键指标之一是债务与净资产比率。这个比率提供了一个人或组织相对于其净资产所拥有的债务多少的洞察，净资产本质上是总资产与总负债之间的差额。高的债务与净资产比率可能表明财务不稳定，而低比率则暗示着更健康的财务状况。首先，让我们定义一下什么是净资产。净资产是通过从总资产中减去总负债来计算的。例如，如果一个人的资产价值为500,000美元，而负债总额为300,000美元，那么他们的净资产将为200,000美元。然后，通过将总债务除以净资产来计算债务与净资产比率。在这种情况下，如果该个人有150,000美元的债务，则比率为150,000 / 200,000 = 0.75，或75%。这表明该个人的净资产中有75%与债务相关。为什么这个比率很重要？财务顾问通常使用债务与净资产比率来帮助客户更好地理解他们的财务状况。比率高于1意味着一个人的债务超过了净资产，这可能是一个警示信号。这可能表明他们过度杠杆化，意味着他们相对于其资产承担了过多的债务，如果管理不当，可能会导致财务困境。相反，低于0.5的比率通常被视为有利，表明个人的资产超过负债，处于稳定的财务状态。对于企业而言，债务与净资产比率起着类似的作用。它帮助利益相关者了解公司的杠杆和风险特征。比率高的公司可能在获得贷款或吸引投资者方面面临困难，因为它们被视为高风险。投资者通常寻找那些对债务采取平衡方法的公司，在这些公司中，债务与净资产比率反映出一种可持续的借款水平，支持增长而不危及财务稳定。在今天的经济环境中，理解债务与净资产比率变得比以往任何时候都更为重要。随着利率波动和经济不确定性，个人和企业必须密切关注其债务水平。定期计算此比率可以帮助他们在借贷、投资和管理支出方面做出明智的决策。此外，保持健康的债务与净资产比率需要纪律和战略规划。个人应优先偿还高利息债务，并避免积累不必要的负债。企业需要确保所承担的任何债务都是用于生产性目的，例如扩展业务或投资新技术。总之，债务与净资产比率是评估财务健康的重要工具。通过理解和监控这个比率，个人和企业可以做出更好的财务决策，最终实现更大的稳定和成功。无论您是在管理个人财务还是经营公司，关注您的债务与净资产比率都可以为您提供对财务未来的宝贵洞察。