Debt maturity structure is generally understood as the proportion of long-term and short-term debts owned by enterprises in the total amount of borrowed funds, and can also be expressed by their relative proportions. Enterprises often neglect the reasonable arrangement of long-term and short-term borrowed funds, which leads to improper term structure, thus leading to financing risks. In fact, when determining the time limit of borrowing funds, enterprises should make decisions according to the actual investment situation. If they borrow more short-term debts for investment projects with long payback period, they will not have enough cash generated from investment income to repay when the loan expires, which will increase the debt repayment pressure. If a large amount of long-term loans are used for short-term investment projects, they will greatly increase the financing cost of enterprises and cause certain property losses.
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