Leverage ratio is an index to measure the debt risk of a company, which reflects the repayment ability of the company from the side. The reciprocal of leverage ratio is leverage ratio. Generally speaking, the leverage ratio of investment banks is relatively high.
Second, how to calculate the leverage ratio of residents?
The leverage ratio of residents, that is, the ratio of debt to GDP in the residential sector, is roughly calculated as follows:
Resident leverage ratio = resident debt balance /GDP.
Now, in addition to bank loans, residents' debt channels also include a series of sources such as housing provident fund loans, P2P, and private lending. But generally speaking, for comparison, the Bank for International Settlements mainly uses bank loans for debt statistics, including consumer loans and business loans.
Third, how is the leverage ratio of residents' funds calculated?
How is the leverage ratio of residents' funds calculated? Capital leverage is commonly known as "debt ratio" The higher the debt ratio, the greater the leverage effect. However, the multiplier effect of capital leverage is two-way. When the profit of the company's borrowed funds is equal to or higher than expected, the reward for shareholders will be increased. On the contrary, when it was acquired, it was like a house that rained all night. In severe cases, the operation is interrupted and the shareholders' investment is in vain. Everyone and business operators should take this ratio seriously. Especially when enterprises expand demand, they should carefully evaluate the impact of financing decisions on debt ratio. The relationship between the rate of return on assets and the rate of return on shareholders' equity shows whether the operators have effectively used capital leverage. When an enterprise has no liabilities or the ratio of liabilities to assets is small, these two ratios will lead to more capital than shareholders. Financial statements express what has happened, and whether it will continue to produce the same effect in the future depends on the comprehensive judgment of decision makers based on various information.
4. What will happen to the children if the spouse fails to repay the loan for a long time?
Will the parents be implicated if the borrower fails to pay back the money?
The borrower's parents have no obligation to repay the loan for him, and first collect relevant evidence to prove that they have personal property. Secondly, his parents' property can't be used to pay off debts unless their parents voluntarily perform it.
What if the borrower doesn't repay the loan?
You can file a civil lawsuit for repayment and overdue interest.
When the lender collects the loan according to law, according to the loan contract and guarantee contract (mortgage or pledge contract), the lender will take measures such as property preservation, including freezing the deposits in all bank accounts of the borrower and the loan guarantor and sealing up the pledged property.
After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses.
Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.
The information comes from China Travel Service. com。