face amount

简明释义

面值

英英释义

例句

1.Investors often look for bonds with a higher face amount to ensure better returns.

投资者通常寻找具有较高面额的债券，以确保更好的回报。

2.In this case, the face amount of the policy determines the premium you will pay.

在这种情况下，保单的面额决定了你需要支付的保费。

3.The insurance policy has a face amount of $100,000, which means that is the sum paid upon the insured's death.

这份保险单的面额为100,000美元，这意味着在被保险人去世时将支付该金额。

4.When you take out a loan, the face amount is the total amount borrowed before any interest is added.

当你申请贷款时，面额是借款的总金额，未加任何利息。

5.The face amount of the bond is $5,000, which will be returned to the investor at maturity.

该债券的面额为5,000美元，到期时将返还给投资者。

作文

In the world of finance and insurance, understanding specific terms is crucial for making informed decisions. One such term is the face amount, which refers to the nominal or stated value of a financial instrument, such as a bond or an insurance policy. The face amount is significant because it represents the amount that will be paid out upon maturity or in the event of a claim. For example, if you purchase a life insurance policy with a face amount of $100,000, this means that your beneficiaries will receive $100,000 upon your death, assuming all conditions are met. The concept of face amount is not limited to insurance policies; it also applies to bonds. When an investor buys a bond, the face amount is the amount the issuer agrees to pay back at maturity. For instance, if a bond has a face amount of $1,000, the investor can expect to receive that amount back when the bond matures, along with any interest payments made during the bond's life. This makes the face amount a vital figure for both insurers and investors, as it determines the financial obligations involved.Understanding the face amount is essential for individuals who are considering purchasing insurance or investing in bonds. It helps them comprehend the potential financial outcomes and the risks involved. For instance, while a higher face amount in an insurance policy may provide greater security for beneficiaries, it often comes with higher premiums. Similarly, with bonds, a higher face amount might indicate a more substantial investment, but it could also come with increased risk depending on the issuer's creditworthiness.Moreover, the face amount can influence market behavior. In the case of bonds, if interest rates rise, the market value of existing bonds with lower face amounts may decrease, as new bonds are issued with higher face amounts and interest rates. This relationship between face amount and market fluctuations highlights the importance of understanding these terms for anyone involved in financial markets.In summary, the term face amount is a fundamental concept in finance and insurance, representing the nominal value that will be paid out under specific conditions. Whether in the context of life insurance policies or bonds, grasping the implications of the face amount can significantly impact financial planning and investment strategies. It serves as a reminder that while numbers may seem straightforward, their significance can vary greatly depending on the context and the decisions being made. By familiarizing oneself with terms like face amount, individuals can navigate the complexities of financial products more effectively and make choices that align with their long-term goals.

在金融和保险的世界中，理解特定术语对于做出明智的决策至关重要。其中一个术语是面值，它指的是金融工具的名义或声明价值，例如债券或保险单。面值之所以重要，是因为它代表到期时或索赔事件发生时将支付的金额。例如，如果您购买了一份面值为100,000美元的寿险保单，这意味着在您去世时，您的受益人将在满足所有条件的情况下获得100,000美元。面值的概念不仅限于保险单；它也适用于债券。当投资者购买债券时，面值是发行人同意在到期时偿还的金额。例如，如果一只债券的面值为1,000美元，投资者可以期待在债券到期时收回该金额，以及在债券存续期间支付的任何利息。这使得面值成为保险公司和投资者的重要数字，因为它决定了相关的财务义务。理解面值对考虑购买保险或投资债券的个人至关重要。它帮助他们理解潜在的财务结果和涉及的风险。例如，虽然保险政策中的较高面值可能为受益人提供更大的保障，但通常伴随着更高的保费。同样，对于债券而言，较高的面值可能表示更大额的投资，但根据发行人的信用状况，也可能伴随更大的风险。此外，面值可以影响市场行为。在债券的情况下，如果利率上升，具有较低面值的现有债券的市场价值可能会下降，因为新的债券以更高的面值和利率发行。这种面值与市场波动之间的关系突显了理解这些术语的重要性，对于任何参与金融市场的人来说都是如此。总之，面值这一术语是金融和保险中的基本概念，代表在特定条件下支付的名义金额。无论是在寿险保单还是债券的背景下，掌握面值的含义可以显著影响财务规划和投资策略。它提醒我们，尽管数字看似简单，但其重要性可能因上下文和所做决策而大相径庭。通过熟悉像面值这样的术语，个人可以更有效地驾驭金融产品的复杂性，并做出与其长期目标相一致的选择。