ratio of owned capital to borrowed capital

简明释义

自有资本对借入资本的比率

英英释义

例句

1.The company's financial health is often assessed by the ratio of owned capital to borrowed capital, which indicates how much equity they have relative to debt.

公司的财务健康通常通过自有资本与借入资本的比率来评估，这表明他们的股本相对于债务的比例。

2.A low ratio of owned capital to borrowed capital can signal potential financial risk for a business.

较低的自有资本与借入资本的比率可能会预示企业面临潜在的财务风险。

3.Investors look for a high ratio of owned capital to borrowed capital when deciding whether to invest in a startup.

投资者在决定是否投资初创公司时，会关注较高的自有资本与借入资本的比率。

4.The ratio of owned capital to borrowed capital is crucial for understanding a firm's leverage.

了解公司的杠杆作用时，自有资本与借入资本的比率至关重要。

5.To improve their credit rating, companies often aim to increase their ratio of owned capital to borrowed capital.

为了提高信用评级，公司通常会努力增加其自有资本与借入资本的比率。

作文

In the world of finance and business, understanding the dynamics of capital is crucial for success. One important concept that entrepreneurs and investors must grasp is the ratio of owned capital to borrowed capital. This ratio provides insights into a company's financial structure and its ability to manage debt effectively. Owned capital refers to the funds that a business generates from its own resources, such as equity and retained earnings, while borrowed capital consists of funds obtained through loans or credit that must be repaid over time.The ratio of owned capital to borrowed capital is a key indicator of financial health. A high ratio suggests that a company relies more on its own resources than on external debt, which can be a sign of stability and lower financial risk. Conversely, a low ratio may indicate that a business is heavily reliant on borrowed funds, which could lead to potential financial difficulties if it struggles to meet its repayment obligations.For instance, consider a startup that has invested $100,000 of its own money (owned capital) and has taken out a loan of $50,000 (borrowed capital). The ratio of owned capital to borrowed capital would be 2:1, indicating that for every dollar of borrowed funds, the company has two dollars of its own. This healthy ratio allows the startup to have greater flexibility in operations and reduces the pressure of debt repayment, making it less vulnerable to economic downturns.On the other hand, if another company has $50,000 in owned capital and $150,000 in borrowed capital, the ratio of owned capital to borrowed capital would be 1:3. This scenario raises concerns about the company's financial leverage and its ability to sustain operations without facing liquidity issues. High levels of borrowed capital can lead to increased interest expenses, which may erode profitability over time.Investors often analyze the ratio of owned capital to borrowed capital when evaluating potential investment opportunities. A favorable ratio can attract investors who are looking for stable and sustainable businesses. It indicates that a company is managing its finances prudently and is less likely to face bankruptcy risks. Moreover, companies with a strong ratio are generally better positioned to secure additional financing if needed, as lenders view them as lower-risk borrowers.In conclusion, the ratio of owned capital to borrowed capital is an essential metric for assessing a company's financial health and risk profile. Understanding this ratio helps business owners make informed decisions about financing, investments, and growth strategies. By maintaining a healthy balance between owned and borrowed capital, businesses can not only enhance their stability but also create opportunities for expansion and long-term success. As the financial landscape continues to evolve, mastering this concept will remain vital for anyone involved in business management or investment planning.

在金融和商业的世界中，理解资本的动态对成功至关重要。企业家和投资者必须掌握的一个重要概念是自有资本与借入资本的比率。这个比率提供了对公司财务结构及其有效管理债务能力的洞察。自有资本指的是企业从自身资源（如股本和留存收益）中产生的资金，而借入资本则是通过贷款或信用获得的资金，必须随着时间偿还。自有资本与借入资本的比率是衡量财务健康状况的关键指标。高比率表明公司更多地依赖自身资源而非外部债务，这可能是稳定性和较低财务风险的标志。相反，低比率可能表明企业严重依赖借入资金，如果它难以满足还款义务，可能会导致潜在的财务困难。例如，考虑一家初创公司，它投资了10万美元（自有资本），并获得了一笔5万美元的贷款（借入资本）。此时，自有资本与借入资本的比率将为2:1，表明每借入一美元，该公司就有两美元的自有资金。这一健康的比率使初创公司在运营上具有更大的灵活性，并降低了债务偿还的压力，从而使其在经济低迷时不那么脆弱。另一方面，如果另一家公司拥有5万美元的自有资本和15万美元的借入资本，则自有资本与借入资本的比率将为1:3。这种情况引发了对公司财务杠杆及其在没有流动性问题的情况下维持运营能力的担忧。高水平的借入资本可能导致利息支出增加，随着时间的推移可能侵蚀盈利能力。投资者通常在评估潜在投资机会时分析自有资本与借入资本的比率。有利的比率可以吸引寻找稳定和可持续业务的投资者。它表明公司谨慎管理财务，不太可能面临破产风险。此外，拥有强大比率的公司通常在需要时更好地获得额外融资，因为贷方将其视为低风险借款人。总之，自有资本与借入资本的比率是评估公司财务健康状况和风险特征的重要指标。理解这一比率有助于企业主在融资、投资和增长战略方面做出明智的决策。通过保持自有资本与借入资本之间的健康平衡，企业不仅可以增强其稳定性，还可以创造扩展和长期成功的机会。随着金融环境的不断演变，掌握这一概念对于任何参与商业管理或投资规划的人来说仍将至关重要。