net worth to debts ratio

简明释义

资本净值与负债比率

英英释义

例句

1.When applying for a loan, banks often check your net worth to debts ratio 净资产与债务比率 to assess your financial health.

在申请贷款时，银行通常会检查你的净资产与债务比率 net worth to debts ratio 以评估你的财务状况。

2.Financial advisors recommend maintaining a net worth to debts ratio 净资产与债务比率 of at least 2:1.

财务顾问建议保持至少2:1的净资产与债务比率 net worth to debts ratio。

3.A high net worth to debts ratio 净资产与债务比率 indicates that you have more assets than liabilities.

高的净资产与债务比率 net worth to debts ratio 表明你拥有的资产超过负债。

4.Investors often look at the net worth to debts ratio 净资产与债务比率 before making investment decisions.

投资者在做出投资决策之前，常常会查看净资产与债务比率 net worth to debts ratio。

5.Your net worth to debts ratio 净资产与债务比率 can help you understand how financially secure you are.

你的净资产与债务比率 net worth to debts ratio 可以帮助你了解自己的财务安全程度。

作文

Understanding financial health is crucial in today's world, and one of the key indicators of an individual's or a company's financial status is the net worth to debts ratio. This ratio provides insight into how much wealth a person or entity possesses compared to their liabilities. In simple terms, it compares total assets against total debts, helping to paint a clear picture of financial stability. To calculate the net worth to debts ratio, one must first determine their net worth. Net worth is defined as the difference between total assets and total liabilities. For instance, if an individual owns a house worth $300,000, has $50,000 in savings, and owes $100,000 in loans, their net worth would be calculated as follows: Net Worth = Total Assets - Total Liabilities Net Worth = ($300,000 + $50,000) - $100,000 = $250,000. Next, to find the net worth to debts ratio, we take the net worth and divide it by the total debts. Using the previous example, if the total debts are $100,000, the calculation would be: Net Worth to Debts Ratio = Net Worth / Total Debts Net Worth to Debts Ratio = $250,000 / $100,000 = 2.5. This means that for every dollar of debt, the individual has $2.50 in net worth. A higher ratio indicates better financial health, suggesting that the individual or company can comfortably cover their debts with their assets. Conversely, a lower ratio may signal financial distress, where liabilities exceed assets, indicating potential risks of insolvency. Understanding the net worth to debts ratio can help individuals make informed decisions about their finances. For instance, if someone realizes that their ratio is low, they might consider strategies to improve their financial position, such as paying down debts, increasing savings, or investing wisely. Financial advisors often recommend maintaining a ratio above 1, meaning that assets should exceed liabilities. Moreover, the net worth to debts ratio is not only relevant for individuals but also for businesses. Companies can use this ratio to assess their financial health and make strategic decisions regarding investments, expansions, or cost-cutting measures. Investors often look at this ratio when evaluating the risk associated with investing in a particular company. A strong ratio can attract potential investors, while a weak ratio can deter them. In conclusion, the net worth to debts ratio is a vital metric for assessing financial health. It serves as a benchmark for individuals and businesses alike, guiding them in making sound financial decisions. By understanding and monitoring this ratio, one can gain valuable insights into their financial standing and take proactive steps towards achieving greater financial stability and success.

理解财务健康在当今世界至关重要，而个人或公司财务状况的关键指标之一是净资产与债务比率。这个比率提供了对一个人或实体拥有的财富与其负债相比的洞察。简单来说，它比较总资产与总负债，帮助清晰地描绘出财务稳定的图景。要计算净资产与债务比率，首先必须确定自己的净资产。净资产被定义为总资产与总负债之间的差额。例如，如果一个人拥有一栋价值30万美元的房子，储蓄5万美元，并欠10万美元的贷款，则他们的净资产将按如下方式计算：净资产 = 总资产 - 总负债净资产 = (30万美元 + 5万美元) - 10万美元 = 25万美元。接下来，为了找到净资产与债务比率，我们取净资产并除以总债务。使用前面的例子，如果总债务为10万美元，计算将是：净资产与债务比率 = 净资产 / 总债务净资产与债务比率 = 25万美元 / 10万美元 = 2.5。这意味着每一美元的债务，该个人拥有2.50美元的净资产。较高的比率表示更好的财务健康，表明个人或公司能够轻松用其资产偿还债务。相反，较低的比率可能表明财务困境，负债超过资产，表示潜在的破产风险。了解净资产与债务比率可以帮助个人做出明智的财务决策。例如，如果某人意识到他们的比率较低，他们可能会考虑改善财务状况的策略，例如偿还债务、增加储蓄或明智投资。财务顾问通常建议保持比率高于1，这意味着资产应超过负债。此外，净资产与债务比率不仅与个人相关，也与企业有关。公司可以利用这一比率来评估其财务健康状况，并在投资、扩张或削减成本方面做出战略决策。投资者在评估投资特定公司的风险时，通常会关注这一比率。强劲的比率可以吸引潜在投资者，而较弱的比率则可能使他们却步。总之，净资产与债务比率是评估财务健康的重要指标。它作为个人和企业的基准，指导他们做出明智的财务决策。通过理解和监控这一比率，人们可以获得对其财务状况的宝贵见解，并采取积极措施实现更大的财务稳定和成功。