🧾 现金比率计算器Cash Ratio Calculator
用 (现金 + 现金等价物 + 可选的有价证券) ÷ 流动负债 计算现金比率，衡量企业不依赖应收账款和存货、仅用现金偿还短期债务的能力。Calculate the cash ratio = (cash + cash equivalents + optional marketable securities) ÷ current liabilities — a strict test of a company's ability to pay short-term debt without receivables or inventory.
使用说明与常见问题How-to & FAQ
「现金比率计算器」是什么？What is the Cash Ratio Calculator tool?
用 (现金 + 现金等价物 + 可选的有价证券) ÷ 流动负债 计算现金比率，衡量企业不依赖应收账款和存货、仅用现金偿还短期债务的能力。Calculate the cash ratio = (cash + cash equivalents + optional marketable securities) ÷ current liabilities — a strict test of a company's ability to pay short-term debt without receivables or inventory.
如何使用「现金比率计算器」？How do I use the Cash Ratio Calculator tool?
在「现金比率计算器」中，填写「现金」、「现金等价物」、「有价证券（可选）」、「流动负债」等参数，结果会随输入实时计算并显示在下方。In the Cash Ratio Calculator: Fill in "Cash", "Cash equivalents", "Marketable securities (optional)", "Current liabilities"; results are recalculated instantly as you type.
现金比率和流动比率、速动比率有什么区别？Cash vs current vs quick ratio?
流动比率 = 流动资产 ÷ 流动负债；速动比率去掉存货；现金比率只保留现金、现金等价物（和短期有价证券），最保守。Current ratio = current assets ÷ current liabilities; the quick ratio excludes inventory; the cash ratio keeps only cash, equivalents (and marketable securities) — the most conservative.
比率越高越好吗？Is higher always better?
过高说明大量现金闲置、资金利用效率低；过低则短期偿债压力大。应结合行业特点比较。Too high can mean idle cash earning little; too low means short-term pressure. Compare within the same industry.
计算结果可以作为最终依据吗？Can I rely on the result?
「现金比率计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Cash Ratio Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「现金比率计算器」免费吗？需要注册吗？Is the Cash Ratio Calculator free? Do I need an account?
「现金比率计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Cash Ratio Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.