solvency

/ˈsɒlvənsi/ (bre, ipa) · /ˈsɑːlvənsi/ (ame, ipa)

solvency — 名詞

1. The financial condition in which a person or organisation owns enough assets to

1.名詞C1
釋義

償債能力

擁有足夠資產清償所有債務的財務狀態

The financial condition in which a person or organisation owns enough assets to settle every debt they have, leaving them free from the danger of bankruptcy.

例句

Ms. Chaudhary proved her solvency to the bank with three years of tax returns.

Chaudhary 女士以三年報稅紀錄向銀行證明自己的償債能力。

collocation: prove + solvency

Fatima's small bakery reached solvency six months after opening its doors.

Fatima 的小烘焙坊開張六個月後就具備了償債能力。

同義詞
  • creditworthiness

    narrower — specifically about how likely lenders think you are to repay, not your actual asset-to-debt ratio

  • financial stability

    broader — covers overall financial health including income streams, not only debt coverage

  • liquidity

    different concept — having cash for immediate needs rather than covering all debts with total assets

反義詞
  • insolvency

    the direct opposite: being unable to pay debts as they fall due

  • bankruptcy

    the legal process that typically follows insolvency

用法筆記

Typically used in formal business, legal, and financial contexts. Often contrasted with 'liquidity' — solvency concerns overall ability to cover debts with total assets, while liquidity concerns having cash available for short-term needs.

常見錯誤

❌The company made a big profit, so its solvency is fine.
✅The company made a big profit, but it may still face solvency problems if its total debts are larger than its total assets.
💡making a profit does not guarantee solvency; solvency compares what you own against what you owe.
❌I checked my solvency at the ATM.
✅I checked my account balance at the ATM.
💡solvency is a long-term financial concept, not about how much cash you have right now.