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流动性比率不应过高计算方法:流动性比率=流动性资产/每月支出流动性资产是指在急用情况下,能迅速变现而不会带来损失的资产,比如现金、活期存款、货币基金等,该比例用来权衡你的家庭财务状态以及变现能力。应尽量避免流动性比率过高现象,如家庭收入稳定,该比率为3即可;如家庭收入不稳定,则该比率应在6~8之间。负债收入比应为30%计算方法:负债收入比=家庭债务支出/当月收入家庭用于偿还各种债务的支出占家
Liquidity ratio should not be too high Calculation method: Liquidity ratio = liquid assets / monthly expenditures Liquid assets are assets that can be realized quickly without incurring losses in the event of an emergency, such as cash, demand deposits, currency Funds, etc., the ratio used to weigh your family financial status and liquidity. The phenomenon of excessively high liquidity ratio should be avoided as long as family income is stable and the ratio is 3. If household income is not stable, the ratio should be between 6 and 8. Debt-to-income ratio should be 30% Calculation method: Liabilities / income ratio = Household debt / Income for the month Households’ expenses for repayments of various debts