cash reserve

简明释义

现金储备,现金准备

英英释义

例句

1.During the pandemic, many firms depleted their cash reserve to stay afloat.

在疫情期间，许多公司耗尽了他们的现金储备以维持生存。

2.The company decided to increase its cash reserve to prepare for any unforeseen expenses.

公司决定增加其现金储备以应对任何意外支出。

3.Investors often look for companies with a strong cash reserve as it indicates financial stability.

投资者通常寻找拥有强大现金储备的公司，因为这表明财务稳定。

4.Having a healthy cash reserve can help businesses survive during economic downturns.

拥有健康的现金储备可以帮助企业在经济低迷期间生存。

5.The startup built its cash reserve by cutting unnecessary expenses in the first year.

这家初创公司通过削减不必要的开支在第一年建立了其现金储备。

作文

In today's volatile economic climate, the concept of a cash reserve (现金储备) has gained significant importance for both individuals and businesses. A cash reserve is essentially a sum of money that is set aside to meet unexpected expenses or financial emergencies. This financial buffer can help in various situations, such as job loss, medical emergencies, or sudden repairs. Having a well-maintained cash reserve allows individuals to navigate through tough times without falling into debt or financial distress.For businesses, maintaining a cash reserve is equally crucial. It ensures that a company can cover its operational costs during slow periods or unforeseen circumstances. For instance, a retail business may experience a drop in sales during an economic downturn. If the business has a healthy cash reserve, it can continue to pay employees, keep the lights on, and even invest in marketing strategies to attract customers back. Without this financial cushion, many businesses would struggle to survive during challenging times.Moreover, a cash reserve can also provide opportunities for growth. When unexpected investment opportunities arise, having a cash reserve readily available allows individuals and businesses to seize these moments without needing to secure loans or liquidate other assets. This flexibility can lead to significant advantages, whether it’s acquiring a new property, investing in stocks, or launching a new product line.However, building a cash reserve requires discipline and planning. Individuals should aim to save a certain percentage of their income regularly. Financial experts often recommend having at least three to six months' worth of living expenses saved up in a cash reserve. This amount can vary depending on personal circumstances, such as job stability or family size. For businesses, the recommended amount may depend on the industry and cash flow patterns.To effectively manage a cash reserve, it is essential to choose the right type of account. High-yield savings accounts or money market accounts are popular options, as they typically offer better interest rates than traditional checking accounts while still providing easy access to funds. This way, the cash reserve can grow over time while remaining available for emergencies.In conclusion, understanding the significance of a cash reserve (现金储备) is vital for financial stability. Whether for personal finances or business operations, having a well-planned cash reserve can protect against uncertainties and create opportunities for growth. By prioritizing savings and carefully managing these funds, individuals and businesses can achieve greater peace of mind and financial security in an unpredictable world.