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Source text - English Debt Service Ratio (DSR) (tab 1)· The borrowing company and its owners may already have existing debt obligations when they apply for a BIL. · In such a scenario, the existing cash flows are currently being utilised to meet the obligations of existing borrowings. · We need to assess whether the borrower/owners have the capacity to repay the incremental obligations arising from the BIL.· These obligations could include interest payments on overdrafts, minimum monthly payments on credit cards, loan repayments on other facilities like auto loans, mortgages, etc. along with the incremental obligation for BIL with Standard Chartered.DSR Calculation (tab 2)Accordingly, if you have to calculate the DSR for a business consultancy, BC Co., the debt service ratio is the ratio of monthly debt payments to the net monthly income of BC Co. It is calculated as follows: § The lower the ratio, the better the capacity of the borrower to meet the obligation and also withstand any unforseen uncertainty of cash flows.· There is a maximum DSR specified in each country. For the majority of the countries, this is in the range of 50-60% to ensure that we have adequate cover, not only for unforeseen stress on cash flows, but also for incremental debt that BC Co. may take subsequent to availing BIL from the Bank.
Translation - Chinese 偿债比率（DSR）借款公司及其所有者在申请商业投资贷款时，可能已有负债。在这种情况下，现有的现金流量正被用于偿还原有借款。我们需要评估借款公司/所有者是否有能力偿还因商业投资贷款而增加的债务。这些债务可能包括透支应付利息，每月最低信用卡还款，其它债务如汽车贷款和房屋按揭等，以及因标准渣打银行所提供的商业投资贷款而增加的还款。偿债比率计算方法因此，假如需要为一家名为BC Co.的商业顾问公司计算偿债比率，BC Co.每月的还债额与净收入之间的比率即为偿债比率。计算公式如下：偿债比率=（借款公司及其主要所有者每月全部债务÷借款公司及其主要所有者每月净收入）X100偿债比率越低，借款公司的债务偿还能力就越强，也更加具备对现金流量的不可预见性与不确定性的抵抗力。各国均有指定偿债比率的最高数值。对于大多数国家而言，偿债比率应在50%至60%的范围之内以确保我们有足够的保障，这不仅是为了预防无法预料的现金流量的波动，也是为了确保偿还BC Co.在由银行获得商业投资贷款之后所增加的债务。
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Master's degree - the University of Auckland
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Years of experience: 22. Registered at ProZ.com: Mar 2003.
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