以“固定利率负债什么意思”为关键词的文章

中文：

固定利率负债是指借款人在借款期限内需要按照约定的固定利率支付利息的负债。这种负债的特点是利率不随市场利率的变化而变化，因此在整个借款期限内，借款人需要按照固定的利率支付利息。固定利率负债通常出现在长期借款、债券等金融工具中。对于借款人来说，固定利率负债可以为其提供稳定的利息支出和还款计划，有助于其财务规划和管理。但是，如果市场利率下降，固定利率负债可能会成为借款人的负担，因为其需要按照更高的利率支付利息。因此，在选择固定利率负债时，借款人需要综合考虑自身的财务状况和市场利率的变化趋势，以做出明智的决策。

英文：

Fixed rate liabilities refer to the liabilities that obligors need to pay interest at a fixed rate agreed upon during the term of the loan. The characteristic of this kind of liabilities is that the interest rate does not change with the market interest rate, so throughout the term of the loan, the obligors need to pay interest at a fixed rate. Fixed rate liabilities usually appear in financial instruments such as long-term loans and bonds. For obligors, fixed rate liabilities can provide stable interest expense and repayment plans, which helps their financial planning and management. However, if the market interest rate declines, fixed rate liabilities may become a burden for obligors because they need to pay interest at a higher rate. Therefore, when choosing fixed rate liabilities, obligors need to comprehensively consider their own financial situation and the change trend of market interest rates to make informed decisions.