pledging of accounts receivable

简明释义

以应收帐款为抵押的短期信贷

英英释义

例句

1.Before agreeing to the loan, the bank carefully evaluated the pledging of accounts receivable.

在同意贷款之前，银行仔细评估了应收账款质押的情况。

2.The company secured a loan by using the pledging of accounts receivable as collateral.

该公司通过将应收账款质押作为抵押品获得了一笔贷款。

3.Investors are often interested in the pledging of accounts receivable because it indicates the company's liquidity.

投资者通常对应收账款质押感兴趣，因为这表明公司的流动性。

4.The startup utilized the pledging of accounts receivable to fund its expansion plans.

该初创公司利用应收账款质押来资助其扩展计划。

5.The pledging of accounts receivable can help businesses obtain immediate cash flow.

通过应收账款质押，企业可以获得立即的现金流。

作文

In the world of finance and business, the term pledging of accounts receivable refers to the practice where a company uses its accounts receivable as collateral to secure a loan or credit. This financial strategy is particularly useful for businesses that may need immediate cash flow to support operations or invest in growth opportunities. By pledging their accounts receivable, companies can access funds quickly without having to liquidate their assets or sell equity. 应收账款的质押是指公司将其应收账款作为抵押，以获得贷款或信用的做法。这种金融策略对那些需要立即现金流以支持运营或投资增长机会的企业尤其有用。通过质押应收账款，公司可以迅速获取资金，而无需变现资产或出售股权。The process of pledging of accounts receivable typically involves a lender assessing the quality and collectability of the receivables being pledged. Lenders often prefer receivables that are backed by strong customer relationships and a history of timely payments. This assessment helps to determine the loan amount that can be secured against the receivables. Once the lender agrees to the terms, the company can receive a percentage of the total value of the accounts receivable as a loan. 质押应收账款的过程通常涉及贷款人评估被质押应收账款的质量和可收回性。贷方通常更喜欢那些有强大客户关系和及时付款历史的应收账款。这种评估有助于确定可以根据应收账款获得的贷款金额。一旦贷款人同意条款，公司可以获得应收账款总值的一定百分比作为贷款。One of the significant advantages of pledging of accounts receivable is that it allows businesses to maintain their operational liquidity. This is crucial, especially for small and medium-sized enterprises (SMEs) that often face cash flow challenges. By leveraging their accounts receivable, these businesses can meet short-term obligations such as payroll, rent, and supplier payments without jeopardizing their financial stability. 质押应收账款的一个重要优势是，它使企业能够保持运营流动性。这对于面临现金流挑战的小型和中型企业（SME）尤其至关重要。通过利用其应收账款，这些企业可以满足短期义务，如工资、租金和供应商付款，而不会危及其财务稳定性。However, there are risks associated with pledging of accounts receivable. If a company fails to collect on its receivables, it may struggle to repay the loan, leading to potential financial distress. Additionally, over-reliance on this method of financing can indicate underlying issues in a company's revenue generation capabilities. Therefore, it is essential for businesses to carefully manage their accounts receivable and ensure they have a robust collection process in place. 然而，质押应收账款也存在风险。如果一家公司未能收回其应收账款，可能会面临偿还贷款的困难，从而导致潜在的财务困境。此外，过度依赖这种融资方式可能表明公司收入生成能力存在潜在问题。因此，企业必须仔细管理其应收账款，并确保他们有稳健的收款流程。In conclusion, the pledging of accounts receivable is a valuable tool for businesses seeking to improve their cash flow and access financing. While it offers numerous benefits, it is crucial for companies to weigh the risks and implement sound financial practices. By doing so, they can leverage their accounts receivable effectively while maintaining financial health. 总之，应收账款的质押是企业寻求改善现金流和获取融资的宝贵工具。虽然它提供了许多好处，但企业必须权衡风险并实施健全的财务实践。通过这样做，他们可以有效利用其应收账款，同时保持财务健康。