还有净负债余额。它不得超过企业的净资产，而且企业在过去两年内没有出现经营亏损。

There is the Balance of net Liabilities. This must not exceed its net assets and no business loss can be shown during the past two years.

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如果使用信用卡消费，消费的金额比当月薪水多出10%，那么从长远来看此行为带来的后果将是负面的，因为越积越多的负债余额要靠高利息来维系。

If you spend more that your paycheck by 10% by charging things on a credit card it can have very negative consequences in the long term by creating a growing debt balance with high interest.

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所有者权益，是指所有者在企业资产中享有的经济利益，其金额为资产减去负债后的余额。

Owner's equity means the economic benefits enjoyed by the owner from the assets of the enterprise, and its amount shall be the remaining amount of assets after deducting liabilities.

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