Sometimes, debt is a necessary evil when running a business. Taking on debt may be your best option when you don’t have enough equity to operate. But, how much debt is too much debt? And, when does debt become “bad”? The accounting debt-to-equity ratio can help you determine how much is too much and draws the line between good and bad debt ratios.
债务到股权比例告诉你
Again, debt can be necessary to run your business. You may not have sufficient equity to make large purchases your business requires to operate. Some examples of debt include:
- Business loans
- Mortgages
- 延期税收
- Accrued expenses
- 公用事业
- Outstanding invoices
But, what exactly are debt and equity?
- 债务：债务是您的业务归功于其他实体的责任，例如商业，组织，员工，政府机构或供应商。您通常会作为正常业务交易的一部分产生债务
- Equity：股权是公司的所有权或价值。股权可以是您投资于您的业务的资金（AKA Capital）的数量
The debt-to-equity ratio meaning is the relationship between your debt and equity to calculate the financial risks of your business.
债务权益率是否计算您的公司的债务。投资者，利益攸关方，贷方和债权人可能会审查您的债务符合率，以确定您的业务是否具有高风险或低风险。风险越高，您收到贷款的可能性越快或者有投资者将在船上（我们以后进入更多）。
As the business owner, use the debt-to-equity ratio interpretation to decide whether you can or cannot take on more debt. If you have more debt than equity, you may not qualify for loans. If you have more equity than debt, your business may be more appealing to investors or lenders.
什么是股票公式？
在使用债务到股票比例的公式之前，您必须计算您的业务权益。用你的资产负债表to find your total amount of assets and liabilities. Then, use the following formula to determine equity:
股权=资产 - 负债
Let’s say you saved $10,000 to start your company. Your other assets include $5,000 in inventory and equipment. So, you have $15,000 in assets ($10,000 + $5,000). You also have $5,000 in liabilities. Plug the totals into the formula to get your total equity.
$ 10,000 = 15,000美元 - 5,000美元
You have $10,000 worth of equity.
随着时间的推移，您的负债增加到18,000美元，您的资产为10,000美元。
– $8,000 = $10,000 – $18,000
如果您的负债超过您的资产总额，则您有负股权。在这个例子中，您的股权金额为8,000美元。
债务公式是多少？
You also need to know your total debt to determine the debt-to-equity ratio. Use the following formula to determine your business’s total debt:
Total Debt = Long Term Debt + Short Term Debt + Fixed Payments
再次使用资产负债表来查看您的负债。添加allof your liabilities together to get your totalbusiness debt。
For example, you have a $2,000 bank loan, $2,500 in accounts payables to vendors, and fixed payments of $500. Add together your liabilities to get your total debt.
$5,000 = $2,000 + $2,500 + $500
Your total debt is $5,000.
What is the debt-to-equity ratio formula?
现在你知道如何计算你的股权和债务，是时候了解如何使用股权配方。这是公式：
债务权率=总债务/总权益
让我们使用上述例子来计算债务权益比率。总债务总额为5,000美元和10,000美元。
0.5 = $ 5,000 / 10,000美元
您的债务符合率为0.5。
现在，如果通过提取10,000美元的商业贷款，可以提高总债务会发生什么。您的新总债务是15,000美元，您的股权为10,000美元。
1.5 = $ 15,000 / 10,000美元
Your debt-to-equity ratio increases to 1.5.
债务权益比例解释
您的比例告诉您您每1.00美元的债务有多少。比例为0.5意味着您在股权中每10美元的债务每股债务0.50美元。1.0高于1.0的比例表明债务多于股权。因此，1.5的比例意味着您在权益中每10美元的债务有1.50美元。
良好的与债务到股权比率
再次，债务资本比率可以帮助您确定您是否有过多的商业债务。但是，你如何确定太多了？嗯，这取决于您的业务和您提供的服务或商品。
What is a good debt-to-equity ratio? Generally, lenders see ratios below 1.0 as good and ratios above 2.0 as bad. However, the ratio does not take into account your business’s industry, so you do have some wiggle room between good and bad. A good debt-to-equity ratio in one industry (e.g., construction) may be a bad ratio in another (e.g., retailers) and vice versa.
负债与股权
有时，企业的比例是负的，而不是积极的比例。负债对股权的债务率意味着业务有负股东权益。如果您的负债超过您的资产，您的公平是消极的。
Typically, lenders, stakeholders, and investors consider a negative debt-to-equity ratio to be risky. When your ratio is negative, it might indicate your business is at risk of bankruptcy.
When to use the debt-to-equity ratio
So, now that you know how to calculate, interpret, and use the total debt-to-equity ratio, you may be wondering when to use it. Take a look at some ways to use the ratio.
Financial analysis
当潜在的贷方或利益相关者做出关于贵公司的决定时，他们会遵守债务津贴。具体而言，投资者看看你偿还债务的能力以及贵公司多少取决于债务。
利益相关者看看所有的财务数据以及您的行业。如果您在完成项目后执行工作和发票的行业，那么信息很重要。为什么？由于您的客户欠您而且您预计付款，您可能会减少风险。
但如果您在接受前期付款的行业中，您的比率可能表明风险更高。
风险分析
投资者和利益攸关方不是唯一一个看企业风险的人。贷款人通常使用债务符合率来计算您的业务是否能够偿还贷款。您的业务的信誉可靠性让贷方知道是否能负担偿还贷款。
Lenders also check your past records and installment payments to ensure you actively repay your debts.
Determining shareholder earnings
If you have shareholders, you pay them part of your profits. And when it comes time to pay out the shareholder dividends, you base the shareholder earnings on the business’s profits. But if your debt-to-equity is too high, your profits can decrease. For shareholders, this might mean that you reduce their earnings because you must use your profits to pay any interest or payments on debt.
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