paying capacity

简明释义

支付能力

英英释义

例句

1.Investors are often interested in a company's paying capacity to determine its financial health.

投资者通常对公司的还款能力感兴趣，以判断其财务健康状况。

2.The bank assessed the client's paying capacity before approving the loan.

银行在批准贷款之前评估了客户的还款能力。

3.A thorough evaluation of your paying capacity can help you avoid financial difficulties.

对您的还款能力进行全面评估可以帮助您避免财务困难。

4.Before signing the lease, the landlord checked the tenant's paying capacity.

在签署租约之前，房东检查了租户的还款能力。

5.The credit agency reported on the individual's paying capacity based on their credit history.

信用机构根据个人的信用历史报告了其还款能力。

作文

In the modern economic landscape, understanding the concept of paying capacity is crucial for both individuals and businesses. The term paying capacity refers to the ability of a person or organization to meet their financial obligations, such as paying debts, bills, or loans. This capacity is influenced by various factors including income, expenses, assets, and liabilities. For individuals, paying capacity is often assessed through their monthly income against their regular expenses. A person with a stable job and a reasonable income usually has a higher paying capacity than someone who is unemployed or earning a lower wage. Similarly, for businesses, paying capacity can be evaluated by analyzing cash flow statements, profit margins, and overall financial health.Understanding one’s paying capacity is essential for making informed financial decisions. For instance, when applying for a loan, lenders will assess an individual's or a company's paying capacity to determine whether they can repay the borrowed amount. A strong paying capacity indicates a lower risk for lenders, which may lead to more favorable loan terms such as lower interest rates. Conversely, if the paying capacity is weak, lenders may either deny the loan application or offer it at higher interest rates, reflecting the increased risk involved.Moreover, understanding the implications of paying capacity extends beyond just borrowing money. It plays a significant role in budgeting and financial planning. Individuals and businesses must regularly evaluate their paying capacity to ensure they are living within their means and making sound investments. For example, a family planning to buy a house should first assess their paying capacity to determine what price range is affordable without overextending themselves financially.In addition, the paying capacity can be affected by external economic conditions. During times of economic downturn, many individuals and businesses may experience a decrease in their paying capacity due to job losses or reduced revenue. This can lead to increased financial stress and a greater risk of defaulting on loans or other financial commitments. Therefore, it is vital to maintain a cushion in one’s finances, such as savings or emergency funds, to help manage periods of reduced paying capacity.In conclusion, the concept of paying capacity is fundamental to personal finance and business operations. It serves as a key indicator of financial health and stability. By understanding and monitoring their own paying capacity, individuals and organizations can make better financial choices, avoid unnecessary debt, and ultimately achieve their financial goals. Whether one is planning for the future or navigating through challenging economic times, recognizing the importance of paying capacity can provide a clearer path to financial success.

在现代经济环境中，理解“支付能力”这一概念对个人和企业来说至关重要。这个术语“支付能力”指的是个人或组织履行其财务义务的能力，例如偿还债务、账单或贷款。这种能力受到多种因素的影响，包括收入、支出、资产和负债。对于个人而言，“支付能力”通常通过他们的月收入与常规支出进行评估。拥有稳定工作和合理收入的人通常比失业或收入较低的人具有更高的“支付能力”。同样，对于企业而言，“支付能力”可以通过分析现金流量表、利润率和整体财务健康状况来评估。理解自己的“支付能力”对于做出明智的财务决策至关重要。例如，在申请贷款时，贷方会评估个人或公司的“支付能力”，以确定他们是否能够偿还借款。强大的“支付能力”表明贷方面临的风险较低，这可能导致更有利的贷款条款，例如较低的利率。相反，如果“支付能力”较弱，贷方可能会拒绝贷款申请，或者以更高的利率提供贷款，反映出所涉及的风险增加。此外，理解“支付能力”的影响不仅限于借款。它在预算和财务规划中也起着重要作用。个人和企业必须定期评估他们的“支付能力”，以确保他们的生活在自己的能力范围之内，并做出明智的投资。例如，计划购房的家庭应该首先评估他们的“支付能力”，以确定什么价格范围是可承受的，而不会在财务上过度扩张。此外，“支付能力”可能会受到外部经济条件的影响。在经济低迷时期，许多个人和企业可能会由于失业或收入减少而经历“支付能力”的下降。这可能导致财务压力的增加，以及违约贷款或其他财务承诺的风险。因此，保持一定的财务缓冲，如储蓄或应急基金，以帮助管理“支付能力”下降的时期，是至关重要的。总之，“支付能力”的概念是个人财务和商业运营的基础。它作为金融健康和稳定的重要指标。通过理解和监控自己的“支付能力”，个人和组织可以做出更好的财务选择，避免不必要的债务，并最终实现他们的财务目标。无论是计划未来还是应对经济挑战，认识到“支付能力”的重要性都能为财务成功提供更清晰的路径。