【中文版】

资金保障率是指企业或个人在一定时期内，通过各种渠道获取的货币资金与所需求的资金之间的比率。这个比率可以反映出企业或个人在一定时期内的资金短缺程度，是衡量资金链状况的重要指标。

资金保障率的计算公式为：资金保障率 = （期初现金余额 + 期末现金余额 + 期末短期借款余额）/ 期末总资产。其中，期初和期末现金余额是指企业或个人在期初和期末时点上所持有的现金和银行存款余额；短期借款余额是指企业或个人在期末时点上所获得的短期借款余额；总资产是指企业或个人在期末时点上的总资产。

资金保障率越高，说明企业或个人的资金越充足，能够承受短期内的资金压力和风险。相反，如果资金保障率较低，则说明企业或个人的资金相对紧张，需要加强资金管理和融资能力。

对于企业而言，资金保障率是衡量其资金链状况的重要指标之一。如果资金保障率较低，企业可能会面临资金链断裂的风险，进而影响其正常的生产经营活动。因此，企业需要保持良好的资金保障率，以确保其经营的稳定性和可持续性。

【英文版】

What is the capital security rate? The capital security rate refers to the ratio of the monetary funds obtained by an enterprise or an individual from various channels to the required funds within a certain period of time. This ratio can reflect the degree of shortage of funds for an enterprise or an individual within a certain period of time, and it is an important indicator to measure the status of the capital chain.

The calculation formula of the capital security rate is: capital security rate = (beginning cash balance + ending cash balance + ending short-term loan balance) / ending total assets. Among them, the beginning and ending cash balance refer to the cash and deposit balance held by the enterprise or individual at the beginning and end of the period; the short-term loan balance refers to the short-term loan balance obtained by the enterprise or individual at the end of the period; the total assets refer to the total assets of the enterprise or individual at the end of the period.

The higher the capital security rate, the more sufficient the funds of the enterprise or individual, which can withstand short-term financial pressure and risks. On the contrary, if the capital security rate is low, it means that the funds of the enterprise or individual are relatively tight, and it is necessary to strengthen capital management and financing capabilities.

For enterprises, the capital security rate is one of the important indicators to measure the status of their capital chain. If the capital security rate is low, enterprises may face the risk of a capital chain breakage, which will affect their normal production and business activities. Therefore, enterprises need to maintain a good capital security rate to ensure the stability and sustainability of their operations.