outstanding check; unpaid check

简明释义

未兑现的支票,未兑支票

英英释义

例句

1.He was surprised to find an unpaid check 未支付支票 from a client that he thought had settled their account.

他惊讶地发现客户有一张未支付支票 unpaid check，他以为客户已经结清账户。

2.Before closing the accounts, make sure to clear all outstanding checks 未清支票 to avoid discrepancies.

在结算账户之前，请确保清除所有的未清支票 outstanding checks以避免差异。

3.The accountant informed me that there is an unpaid check 未支付支票 in the records that needs to be addressed.

会计通知我，记录中有一张未支付支票 unpaid check需要处理。

4.The bank called to remind me about an outstanding check 未清支票 that I need to deposit soon.

银行打电话提醒我有一张未清支票 outstanding check需要尽快存入。

5.I noticed that I have an outstanding check 未清支票 from last month that hasn't been cashed yet.

我注意到上个月有一张未清支票 outstanding check还没有兑现。

作文

In the world of finance and banking, understanding terms related to checks is crucial for both individuals and businesses. One such term is outstanding check, which refers to a check that has been written and sent to the payee but has not yet been cashed or deposited in the bank. This means that the funds have not yet been deducted from the payer's account. On the other hand, an unpaid check refers to a check that has been presented for payment but has not been honored by the bank due to various reasons such as insufficient funds, a closed account, or a stop payment order. These two terms, while related, have distinct meanings that are essential for effective financial management.When a business issues a check to pay for services or goods, it expects the recipient to cash or deposit that check promptly. Until this happens, the check remains outstanding. For example, if a company writes a check for $1,000 to a supplier on January 1st, and the supplier does not cash it until February 15th, that check is considered outstanding for the period between January 1st and February 15th. During this time, the company must keep track of its financial statements to ensure that it does not mistakenly think it has more available funds than it actually does.On the other hand, an unpaid check can cause significant issues for both the payer and the payee. If the supplier mentioned earlier tries to cash the check but finds that the payer's account has insufficient funds, the check will be returned unpaid. This situation can lead to bounced check fees, damaged relationships between the parties involved, and a negative impact on credit ratings. For instance, if the supplier receives an unpaid check, they may need to initiate collection efforts, which can strain their resources and time.Managing outstanding and unpaid checks is an essential part of maintaining healthy financial practices. Businesses often reconcile their bank statements regularly to identify any outstanding checks. This process involves comparing the checks written against the bank statement to determine which checks have cleared and which remain outstanding. Proper reconciliation helps businesses avoid overdrafts and ensures they maintain sufficient funds in their accounts.Furthermore, recognizing the difference between an outstanding check and an unpaid check is vital for record-keeping purposes. An outstanding check is still considered a liability until it is cashed, while an unpaid check may require immediate action to resolve the issue. For example, if a business has several unpaid checks, it may need to contact the payees to discuss the situation and arrange for alternate payment methods.In conclusion, understanding the terms outstanding check and unpaid check is essential for effective financial management. Both terms highlight different aspects of check transactions, and knowing how to handle them can prevent potential financial pitfalls. By keeping accurate records and reconciling accounts regularly, individuals and businesses can maintain better control over their finances and build stronger relationships with their partners and suppliers. The importance of these terms cannot be overstated, as they represent critical components of cash flow management and financial responsibility.

在金融和银行的世界中，理解与支票相关的术语对个人和企业来说至关重要。其中一个术语是未清支票，指的是已开出并发送给收款人但尚未兑现或存入银行的支票。这意味着资金尚未从付款人的账户中扣除。另一方面，未支付支票指的是已提交支付但因各种原因未被银行兑现的支票，例如资金不足、账户关闭或停止支付命令。这两个术语虽然相关，但具有不同的含义，对于有效的财务管理至关重要。当企业开出支票以支付服务或商品时，它期望收款人及时兑现或存入该支票。在这之前，该支票仍然处于未清状态。例如，如果一家公司在1月1日开出一张1000美元的支票给供应商，而供应商直到2月15日才兑现，那么在1月1日至2月15日之间，该支票被视为未清。在此期间，公司必须跟踪其财务报表，以确保不会错误地认为自己有比实际更多的可用资金。另一方面，未支付支票可能会给付款人和收款人都带来重大问题。如果前面提到的供应商尝试兑现支票，但发现付款人的账户资金不足，则支票将被退回未支付。这种情况可能导致支票跳票费用、双方关系受损以及信用评级负面影响。例如，如果供应商收到一张未支付的支票，他们可能需要启动催收程序，这可能会占用他们的资源和时间。管理未清支票和未支付支票是保持健康财务实践的重要组成部分。企业通常定期对其银行对账单进行核对，以识别任何未清支票。这个过程涉及将已开出的支票与银行对账单进行比较，以确定哪些支票已兑现，哪些仍未清。正确的对账有助于企业避免透支，并确保他们的账户中保持足够的资金。此外，认识到未清支票和未支付支票之间的区别对于记录保存至关重要。未清支票在兑现之前仍被视为负债，而未支付支票可能需要立即采取措施来解决问题。例如，如果一家企业有几张未支付的支票，它可能需要联系收款人讨论情况并安排替代付款方式。总之，理解术语未清支票和未支付支票对于有效的财务管理至关重要。这两个术语突出了支票交易的不同方面，知道如何处理它们可以防止潜在的财务陷阱。通过保持准确的记录并定期对账，个人和企业可以更好地控制自己的财务，并与合作伙伴和供应商建立更强的关系。这些术语的重要性不容小觑，因为它们代表了现金流管理和财务责任的关键组成部分。