cash equivalent

简明释义

视同库存现金

英英释义

例句

1.Short-term investments that can be quickly converted to cash are classified as cash equivalents (现金等价物).

可以快速转换为现金的短期投资被归类为现金等价物。

2.The company reported a total of $100,000 in cash and cash equivalents (现金等价物) on its balance sheet.

公司在资产负债表上报告了$100,000的现金和现金等价物。

3.Investors often prefer to hold cash equivalents (现金等价物) for liquidity during market downturns.

投资者通常在市场下行期间更喜欢持有现金等价物以保持流动性。

4.When calculating the company's liquidity ratio, we included both cash and cash equivalents (现金等价物).

在计算公司的流动比率时，我们包括了现金和现金等价物。

5.Money market funds are considered cash equivalents (现金等价物) due to their stability and liquidity.

货币市场基金因其稳定性和流动性被视为现金等价物。

作文

In today's financial world, the term cash equivalent refers to assets that can be easily converted into cash or have a value that is nearly equivalent to cash. Understanding this concept is essential for both personal finance and business management. Cash equivalent includes various forms of liquid assets such as treasury bills, money market funds, and short-term government bonds. These instruments are crucial for maintaining liquidity while providing a degree of investment return.For individuals, having a portion of their savings in cash equivalents allows them to access funds quickly in case of emergencies. For instance, if someone has an unexpected medical expense or needs to repair their vehicle, having readily available cash or cash equivalents ensures they can address these issues without incurring debt. This financial strategy promotes stability and peace of mind, as it mitigates the risks associated with unforeseen expenses.In the corporate world, companies often keep a reserve of cash equivalents to manage their operational costs effectively. Businesses face various uncertainties, and having liquid assets on hand allows them to respond swiftly to market changes or opportunities. For example, if a company identifies a sudden chance to acquire a competitor, having sufficient cash equivalents enables them to act quickly, potentially giving them a competitive edge.Moreover, cash equivalents are also vital for strategic financial planning. Companies must balance their investments between long-term growth and immediate liquidity needs. By allocating part of their portfolio to cash equivalents, businesses can ensure they have the necessary resources to navigate through challenging times without compromising their growth potential.Investors should also be aware of the role of cash equivalents in their portfolios. While stocks and bonds can offer higher returns, they also come with increased risk and volatility. In contrast, cash equivalents provide a safe haven during market downturns. During economic uncertainty, investors often flock to these liquid assets, which can preserve capital and reduce overall portfolio risk.In conclusion, the concept of cash equivalent is fundamental in both personal and corporate finance. It represents a category of assets that provide liquidity and security, allowing individuals and businesses to maintain financial stability. Whether for emergency funds, operational reserves, or strategic investments, understanding and utilizing cash equivalents can lead to more informed financial decisions and a healthier financial future.

在当今的金融世界中，术语现金等价物指的是可以轻松转换为现金或其价值几乎等同于现金的资产。理解这一概念对个人理财和商业管理都是至关重要的。现金等价物包括各种形式的流动资产，如国库券、货币市场基金和短期政府债券。这些工具对于保持流动性，同时提供一定的投资回报至关重要。对于个人而言，将一部分储蓄放在现金等价物中使他们能够在紧急情况下快速获取资金。例如，如果某人遇到意外的医疗费用或需要修理车辆，拥有现成的现金或现金等价物确保他们能够解决这些问题，而不必承担债务。这种财务策略促进了稳定和内心的平静，因为它减轻了与意外开支相关的风险。在企业界，公司通常会保留一部分现金等价物以有效管理运营成本。企业面临各种不确定性，手头拥有流动资产使他们能够迅速应对市场变化或机会。例如，如果一家公司发现了收购竞争对手的突然机会，拥有足够的现金等价物使他们能够迅速采取行动，从而可能获得竞争优势。此外，现金等价物对于战略财务规划也至关重要。公司必须在长期增长和即时流动性需求之间找到平衡。通过将部分投资组合分配给现金等价物，企业可以确保在不妨碍增长潜力的情况下，拥有必要的资源来应对困难时期。投资者也应该意识到现金等价物在其投资组合中的作用。虽然股票和债券可以提供更高的回报，但它们也伴随着更高的风险和波动性。相比之下，现金等价物在市场下滑期间提供了避风港。在经济不确定时期，投资者往往涌向这些流动资产，这可以保护资本并降低整体投资组合风险。总之，现金等价物的概念在个人和企业财务中都是基础性的。它代表了一类提供流动性和安全性的资产，使个人和企业能够维持财务稳定。无论是为了应急基金、运营储备还是战略投资，理解和利用现金等价物都能带来更明智的财务决策和更健康的财务未来。