outstanding debt

简明释义

未付债务

英英释义

例句

1.Investors are concerned about the outstanding debt on the balance sheet.

投资者对资产负债表上的未偿债务感到担忧。

2.He decided to consolidate his outstanding debt into a single loan.

他决定将他的未偿债务合并成一笔贷款。

3.The company is working hard to pay off its outstanding debt.

公司正在努力偿还其未偿债务。

4.They are negotiating terms to refinance their outstanding debt.

他们正在谈判以重新融资他们的未偿债务。

5.The bank offered a lower interest rate to help manage the outstanding debt.

银行提供了较低的利率来帮助管理未偿债务。

作文

In today's complex financial landscape, understanding terms like outstanding debt is crucial for both individuals and businesses. Outstanding debt refers to the total amount of money that is currently owed to creditors. This can include loans, credit card balances, and other forms of borrowing that have not yet been repaid. Managing outstanding debt effectively is essential for maintaining a healthy financial status and avoiding the pitfalls of excessive borrowing.Many people accumulate outstanding debt over time due to various reasons. For instance, students often graduate with significant student loans, which contribute to their overall outstanding debt. Similarly, individuals may rely on credit cards for everyday purchases, leading to high interest rates and increased outstanding debt if not managed wisely. Businesses also face similar challenges; they may take out loans to expand operations or cover operational costs, resulting in a substantial amount of outstanding debt.The implications of having outstanding debt can be severe. For individuals, high levels of outstanding debt can lead to financial stress, affecting mental health and overall quality of life. It can limit one’s ability to save for the future, invest in opportunities, or make significant purchases such as a home or car. On the business side, excessive outstanding debt can hinder growth potential and may even lead to bankruptcy if the company cannot meet its obligations.To manage outstanding debt, individuals and businesses must adopt strategic approaches. Budgeting is one effective way to keep track of income and expenses, ensuring that there is enough money allocated to pay down outstanding debt. Prioritizing high-interest debts can also save money in the long run. For businesses, seeking professional financial advice can provide insights into restructuring outstanding debt to more manageable terms.Moreover, financial literacy plays a vital role in preventing the accumulation of outstanding debt. Educating oneself about interest rates, loan terms, and responsible borrowing can empower individuals to make informed decisions. Workshops, online courses, and financial counseling are valuable resources that can help people understand the importance of managing outstanding debt effectively.In conclusion, while outstanding debt is a common aspect of modern life, it is essential to approach it with caution and awareness. Understanding what outstanding debt entails, recognizing its potential impact, and implementing sound management strategies can lead to a more secure financial future. Whether it is through personal budgeting or business financial planning, taking control of outstanding debt is a critical step toward achieving financial stability and peace of mind.

在当今复杂的金融环境中，理解像未偿债务这样的术语对个人和企业都至关重要。未偿债务是指目前欠债权人的总金额。这可以包括贷款、信用卡余额以及其他尚未偿还的借款形式。有效管理未偿债务对于保持健康的财务状况和避免过度借贷的陷阱至关重要。许多人由于各种原因随着时间的推移积累了未偿债务。例如，学生通常在毕业时背负着巨额的学生贷款，这会增加他们的总体未偿债务。同样，个人可能依赖信用卡进行日常消费，如果管理不当，会导致高利率和增加的未偿债务。企业也面临类似的挑战；它们可能为了扩展业务或覆盖运营成本而借款，从而导致大量的未偿债务。拥有未偿债务的影响可能是严重的。对于个人来说，高水平的未偿债务可能导致财务压力，影响心理健康和整体生活质量。它可能限制一个人未来的储蓄能力、投资机会或进行重大购买（如住房或汽车）的能力。在商业方面，过多的未偿债务可能阻碍增长潜力，甚至可能导致破产，如果公司无法履行其义务。为了管理未偿债务，个人和企业必须采取战略性的方法。预算是一种有效的方式，可以跟踪收入和支出，确保有足够的资金分配用于偿还未偿债务。优先偿还高利息债务也可以在长期内节省资金。对于企业来说，寻求专业的财务建议可以提供有关重组未偿债务以更可管理条款的见解。此外，财务素养在防止积累未偿债务方面发挥着至关重要的作用。了解利率、贷款条款和负责任的借贷可以使个人能够做出明智的决定。研讨会、在线课程和财务咨询是宝贵的资源，可以帮助人们理解有效管理未偿债务的重要性。总之，虽然未偿债务是现代生活的一个常见方面，但以谨慎和意识来对待它是至关重要的。了解未偿债务的含义，认识到其潜在影响，并实施合理的管理策略，可以为实现更安全的财务未来铺平道路。无论是通过个人预算还是商业财务规划，控制未偿债务都是实现财务稳定和内心平和的重要一步。