long-term debts

简明释义

长期债务

英英释义

例句

1.Managing long-term debts (长期债务) is crucial for maintaining a healthy credit score.

管理长期债务对于保持良好的信用评分至关重要。

2.The financial report highlighted the increase in long-term debts (长期债务) over the past year.

财务报告强调了过去一年中长期债务的增加。

3.Investors are concerned about the rising long-term debts (长期债务) of the government.

投资者对政府日益上升的长期债务感到担忧。

4.Before applying for a loan, it's essential to assess your long-term debts (长期债务).

在申请贷款之前，评估你的长期债务是至关重要的。

5.The company has managed its long-term debts (长期债务) effectively, ensuring steady growth.

公司有效管理其长期债务，确保了稳步增长。

作文

Understanding the concept of long-term debts is crucial for both individuals and businesses as it plays a significant role in financial planning and management. Long-term debts refer to loans or financial obligations that are due to be paid over an extended period, typically longer than one year. These debts can include mortgages, bonds, and long-term leases, among others. The significance of long-term debts lies in their impact on cash flow and overall financial health.When individuals or companies take on long-term debts, they often do so to finance large purchases or investments that they cannot afford to pay for upfront. For instance, a family might take out a mortgage to buy a house, while a corporation may issue bonds to raise capital for expansion projects. In both cases, the long-term debts allow them to spread the cost of these investments over several years, making it more manageable.However, managing long-term debts requires careful planning. It is essential to ensure that the monthly payments fit comfortably within one's budget. Failing to manage these debts properly can lead to financial distress. For example, if a homeowner takes on a mortgage that is too large relative to their income, they may struggle to make their monthly payments, leading to potential foreclosure.Moreover, the interest rates associated with long-term debts can significantly affect the total amount paid over time. Borrowers must consider whether the interest rate is fixed or variable, as this can influence the total cost of the debt. A fixed interest rate provides stability, while a variable rate may lead to lower initial payments but can increase over time, creating uncertainty in budgeting.In addition to personal finance, long-term debts also play a vital role in corporate finance. Companies often rely on long-term debts to finance growth initiatives, such as acquiring new technology or entering new markets. Investors and analysts closely monitor a company's debt levels, as high levels of debt can indicate potential risk. A company with excessive long-term debts may struggle to meet its obligations, especially during economic downturns when cash flow can become constrained.Furthermore, the way a company manages its long-term debts can affect its credit rating. A strong credit rating can lead to better borrowing terms, while a poor rating can result in higher interest rates and additional fees. This, in turn, can create a cycle where the company has to take on even more debt to meet its existing obligations, further complicating its financial situation.In conclusion, long-term debts are a fundamental aspect of financial management for both individuals and businesses. While they provide opportunities for investment and growth, they also come with risks that require careful consideration and planning. Understanding how to manage long-term debts effectively is essential for achieving financial stability and success. As such, both borrowers and lenders must remain vigilant and informed about the implications of taking on long-term debts and strive to maintain a healthy balance between debt and income.

理解长期债务的概念对个人和企业来说至关重要，因为它在财务规划和管理中发挥着重要作用。长期债务是指到期需在较长时间内偿还的贷款或财务义务，通常超过一年。这些债务可以包括抵押贷款、债券和长期租赁等。长期债务的重要性在于它们对现金流和整体财务健康的影响。当个人或公司承担长期债务时，他们通常是为了融资大型购买或投资，这些投资他们无法一次性支付。例如，一个家庭可能会申请抵押贷款来购买房屋，而一家企业可能会发行债券以筹集扩展项目的资金。在这两种情况下，长期债务使他们能够将这些投资的成本分摊到数年中，从而使其更易于管理。然而，管理长期债务需要仔细规划。确保每月的还款额在预算之内是至关重要的。如果未能妥善管理这些债务，可能会导致财务困境。例如，如果一位房主承担了相对于其收入过大的抵押贷款，他们可能会难以按时还款，最终可能面临止赎。此外，与长期债务相关的利率会显著影响随时间推移所支付的总金额。借款人必须考虑利率是固定的还是浮动的，因为这会影响债务的总成本。固定利率提供了稳定性，而浮动利率可能导致较低的初始还款，但随着时间的推移可能会上升，从而在预算中造成不确定性。除了个人财务外，长期债务在企业财务中也起着至关重要的作用。公司通常依赖长期债务来资助增长计划，例如收购新技术或进入新市场。投资者和分析师密切关注公司的债务水平，因为高债务水平可能表明潜在风险。债务过多的公司可能会在经济低迷时难以履行其义务，尤其是在现金流可能受到限制的情况下。此外，公司管理其长期债务的方式可能会影响其信用评级。良好的信用评级可以带来更好的借款条件，而差的信用评级则可能导致更高的利率和额外费用。这反过来又可能导致一个循环，即公司不得不承担更多的债务来满足现有义务，从而进一步复杂化其财务状况。总之，长期债务是个人和企业财务管理的基本方面。虽然它们为投资和增长提供了机会，但也伴随着需要仔细考虑和规划的风险。有效管理长期债务的理解对于实现财务稳定和成功至关重要。因此，借款人和贷方都必须保持警惕，并了解承担长期债务的影响，努力在债务和收入之间保持健康的平衡。