idle cash

简明释义

闲置现金

英英释义

例句

1.Keeping idle cash in a savings account is not the best use of funds.

将闲置现金存放在储蓄账户中并不是资金的最佳使用方式。

2.The company has a lot of idle cash in its accounts that could be invested for better returns.

公司在账户中有大量的闲置现金，可以投资以获得更好的回报。

3.The manager suggested using the idle cash to expand the business operations.

经理建议利用闲置现金来扩大业务运营。

4.Investing idle cash in stocks can help generate additional income.

将闲置现金投资于股票可以帮助产生额外收入。

5.The startup decided to invest their idle cash into new technology development.

这家初创公司决定将其闲置现金投资于新技术开发。

作文

In the world of finance, the term idle cash refers to money that is not currently being utilized for any productive purpose. This could mean funds sitting in a bank account, earning little to no interest, or capital that is not being invested in assets that could generate returns. Understanding the implications of idle cash is crucial for both individuals and businesses, as it can significantly affect financial health and growth potential.For individuals, having idle cash might seem like a safe choice. Many people prefer to keep their savings in a bank account where they can easily access them in case of emergencies. However, this approach often leads to lost opportunities. The inflation rate usually outpaces the interest earned on standard savings accounts, meaning that over time, the purchasing power of that idle cash diminishes. Instead of allowing money to sit idly, individuals should consider various investment options such as stocks, bonds, or mutual funds, which can provide better returns over time.On the business side, idle cash can be even more detrimental. Companies with large amounts of uninvested cash may miss out on growth opportunities. For instance, if a company has significant idle cash, it could invest in new projects, expand operations, or enhance its marketing efforts. Instead, the cash remains unproductive, leading to stagnation. Businesses should regularly assess their cash reserves and strategize on how to deploy that capital effectively.Moreover, the concept of idle cash ties into broader economic principles. When large amounts of cash are left uninvested, it can lead to a slowdown in economic growth. Money needs to circulate within the economy to foster development and innovation. Central banks monitor idle cash levels as part of their monetary policy strategies, as high levels of uninvested cash can indicate a lack of confidence in the market.There are several ways to minimize idle cash effectively. One strategy is to create a well-defined budget that allocates funds for both short-term needs and long-term investments. This allows individuals and businesses to maintain liquidity while also ensuring that excess cash is working towards generating returns. Another approach is to explore alternative investment vehicles, such as peer-to-peer lending or real estate crowdfunding, which can offer higher yields than traditional savings accounts.In conclusion, while having some level of idle cash can provide security, it is essential to find a balance between safety and opportunity. Whether for personal finances or business operations, understanding how to manage idle cash effectively can lead to better financial outcomes. By taking proactive steps to invest and utilize available funds, individuals and businesses can enhance their financial health and contribute positively to the economy as a whole.

在金融世界中，术语闲置现金指的是当前没有被用于任何生产性目的的钱。这可能意味着资金存放在银行账户中，几乎没有利息收入，或者资本没有被投资于能够产生回报的资产。理解闲置现金的含义对个人和企业至关重要，因为它会显著影响财务健康和增长潜力。对个人而言，拥有闲置现金似乎是一个安全的选择。许多人更喜欢将储蓄存放在银行账户中，以便在紧急情况下可以轻松取用。然而，这种做法往往会导致机会的丧失。通货膨胀率通常超过普通储蓄账户的利息收益，这意味着随着时间的推移，闲置现金的购买力逐渐减弱。与其让钱闲置，不如考虑各种投资选择，如股票、债券或共同基金，这些都能随着时间的推移提供更好的回报。在商业方面，闲置现金可能更具破坏性。持有大量未投资现金的公司可能会错过增长机会。例如，如果一家公司拥有大量闲置现金，它可以投资于新项目、扩展业务或增强市场营销努力。相反，现金保持不变，导致停滞不前。企业应定期评估其现金储备，并制定有效部署资本的战略。此外，闲置现金的概念与更广泛的经济原则相关。当大量现金未被投资时，可能会导致经济增长放缓。钱需要在经济中流通，以促进发展和创新。中央银行监测闲置现金水平作为其货币政策策略的一部分，因为高水平的未投资现金可能表明市场缺乏信心。有效减少闲置现金的方法有几种。一种策略是制定明确的预算，将资金分配用于短期需求和长期投资。这使个人和企业能够保持流动性，同时确保多余的现金能够产生回报。另一种方法是探索替代投资工具，例如点对点借贷或房地产众筹，这些工具的收益通常高于传统储蓄账户。总之，虽然拥有一定程度的闲置现金可以提供安全感，但找到安全与机会之间的平衡至关重要。无论是个人财务还是商业运营，理解如何有效管理闲置现金可以带来更好的财务结果。通过采取积极措施投资和利用可用资金，个人和企业可以增强其财务健康，并为整体经济作出积极贡献。