debit balance

简明释义

借余

英英释义

例句

1.After reviewing my bank statement, I noticed a debit balance in my account indicating that I have spent more than I deposited.

在查看我的银行对账单后，我注意到我的账户中有一个借方余额，这表明我花费的超过了存入的金额。

2.The financial report showed a significant debit balance due to unexpected repairs.

财务报告显示，由于意外维修，出现了显著的借方余额。

3.The accountant explained that a debit balance on the ledger means the company has incurred more expenses than income.

会计解释说，账本上的借方余额意味着公司支出的超过了收入。

4.If your credit card shows a debit balance, it means you owe money to the card issuer.

如果你的信用卡显示出借方余额，这意味着你欠信用卡发卡机构的钱。

5.To avoid a debit balance, make sure to monitor your spending and stay within your budget.

为了避免出现借方余额，确保监控你的支出并保持在预算范围内。

作文

In the world of finance, understanding various terms is crucial for effective money management. One such term is debit balance, which refers to a situation where the amount of money owed exceeds the available funds in an account. This concept is essential for both individuals and businesses as it can significantly impact financial health. When a person has a debit balance, it indicates that they have spent more than they have in their account, leading to potential overdraft fees and other financial penalties.For instance, consider a scenario where an individual has a checking account with a balance of $500. If they write a check for $600, their account will show a debit balance of $100. This means they owe the bank $100 because they have overdrawn their account. Such situations can arise from unforeseen expenses or poor budgeting practices. Therefore, it is vital to monitor one’s account regularly to avoid falling into a debit balance situation.Businesses also face similar challenges. A company may have a debit balance on its financial statements if its liabilities exceed its assets. This can indicate financial instability and may deter investors or lenders from providing additional funding. To maintain a healthy financial status, businesses must manage their cash flow effectively and ensure that their expenses do not outpace their income.Moreover, having a debit balance can affect an individual’s credit score. If a person consistently maintains a negative balance in their accounts, it may signal to creditors that they are not managing their finances responsibly. This can lead to higher interest rates on loans and credit cards, making it even more challenging to get out of debt.To avoid a debit balance, it is essential to create a budget and stick to it. By tracking income and expenses, individuals and businesses can make informed decisions about their spending habits. Additionally, setting aside an emergency fund can help cover unexpected costs without resorting to overdrawing accounts.In conclusion, a debit balance is a critical concept in personal and business finance. It signifies that expenses have surpassed available funds, leading to potential financial repercussions. Understanding this term and its implications can help individuals and businesses manage their finances more effectively, ensuring long-term stability and success. By maintaining a positive balance and being proactive in financial planning, one can avoid the pitfalls associated with a debit balance and work towards a more secure financial future.

在金融世界中，理解各种术语对于有效的资金管理至关重要。其中一个术语是借方余额，它指的是欠款金额超过账户可用资金的情况。这个概念对个人和企业都非常重要，因为它会显著影响财务健康。当一个人有借方余额时，这表明他们的支出超过了账户中的资金，从而可能导致透支费用和其他财务处罚。例如，考虑这样一个情境：一个人有一个支票账户，余额为500美元。如果他们开了一张600美元的支票，他们的账户将显示出100美元的借方余额。这意味着他们欠银行100美元，因为他们透支了账户。这种情况可能由于意外费用或预算不当而发生。因此，定期监控账户以避免陷入借方余额的情况至关重要。企业也面临类似的挑战。如果公司的负债超过其资产，则可能在财务报表上显示出借方余额。这可能表明财务不稳定，并可能使投资者或贷方不愿提供额外资金。为了保持健康的财务状况，企业必须有效管理现金流，确保支出不超过收入。此外，拥有借方余额可能会影响个人的信用评分。如果一个人持续在账户中保持负余额，这可能向债权人发出信号，表明他们没有负责任地管理自己的财务。这可能导致贷款和信用卡上的利率提高，使摆脱债务变得更加困难。为了避免借方余额，制定预算并坚持执行是至关重要的。通过跟踪收入和支出，个人和企业可以做出明智的消费决策。此外，设立紧急基金可以帮助支付意外费用，而无需透支账户。总之，借方余额是个人和商业财务中的一个关键概念。它表示支出超过了可用资金，从而导致潜在的财务后果。理解这个术语及其影响可以帮助个人和企业更有效地管理财务，确保长期的稳定和成功。通过保持正余额并积极进行财务规划，人们可以避免与借方余额相关的陷阱，并朝着更安全的财务未来努力。