bank loans payable

简明释义

银行借入款

英英释义

例句

1.In order to secure the new project, the firm must reduce its bank loans payable 银行贷款应付 first.

为了确保新项目，该公司必须首先减少其银行贷款应付。

2.Investors are concerned about the high level of bank loans payable 银行贷款应付 on the company's books.

投资者对公司账面上高水平的银行贷款应付感到担忧。

3.To improve cash flow, the manager decided to refinance the bank loans payable 银行贷款应付 at a lower interest rate.

为了改善现金流，经理决定以更低的利率再融资银行贷款应付。

4.The audit revealed that the bank loans payable 银行贷款应付 were not properly recorded in the financial statements.

审计发现，银行贷款应付在财务报表中未被正确记录。

5.The company's balance sheet shows that its bank loans payable 银行贷款应付 have increased significantly over the past year.

公司的资产负债表显示，其银行贷款应付在过去一年中显著增加。

作文

In today's financial landscape, businesses often rely on various forms of financing to support their operations and growth. One of the most common forms of financing is through loans provided by banks. These loans are crucial for companies looking to expand their facilities, invest in new technology, or manage day-to-day operational costs. However, it is essential for businesses to understand their obligations regarding these loans, particularly the concept of bank loans payable, which refers to the amount of money a company owes to its bank due to borrowed funds.When a business takes out a loan from a bank, it enters into a legal agreement that specifies the terms of repayment, including the interest rate, payment schedule, and any collateral required. The total amount that the business must repay is recorded as a liability on its balance sheet under bank loans payable. This liability indicates the financial obligation that the company has to the lending institution and must be managed carefully to maintain good financial health.Understanding bank loans payable is vital for several reasons. First, it impacts the company's cash flow management. Businesses need to ensure that they have enough cash available to meet their loan repayment obligations. Failure to do so can lead to late fees, increased interest rates, or even defaulting on the loan, which can severely damage a company's credit rating and financial stability.Moreover, the amount classified as bank loans payable also affects a company's leverage ratios, which are critical for assessing financial risk. Investors and creditors often look at these ratios to determine how much debt a company is using to finance its assets. A high level of debt relative to equity can indicate potential financial distress, while a lower ratio may suggest a more stable financial position.In addition, understanding the nature of bank loans payable helps businesses plan for future financing needs. By keeping track of their current liabilities, companies can make informed decisions about when to seek additional funding, whether through more loans or alternative financing methods. This proactive approach can help avoid cash flow issues and ensure that the business remains competitive in its industry.Another important aspect of bank loans payable is the impact of interest rates. The cost of borrowing can fluctuate based on economic conditions, and businesses must stay informed about these changes. A rise in interest rates can increase the overall cost of existing loans, making it more expensive for companies to service their debt. Conversely, if interest rates decrease, businesses might benefit from refinancing their loans at a lower rate, thus reducing their bank loans payable burden.In conclusion, bank loans payable is a critical financial concept that every business should understand. It encompasses the obligations a company has towards its lenders and plays a significant role in cash flow management, financial analysis, and strategic planning. By effectively managing their bank loans payable, businesses can enhance their financial stability, improve their creditworthiness, and position themselves for future growth opportunities. Therefore, it is essential for business owners and financial managers to keep a close eye on their loan obligations and make informed decisions that will benefit their company's long-term success.

在当今的金融环境中，企业通常依赖各种融资方式来支持其运营和增长。最常见的融资形式之一是通过银行提供的贷款。这些贷款对于希望扩展设施、投资新技术或管理日常运营成本的公司至关重要。然而，企业必须理解与这些贷款相关的义务，特别是银行应付贷款的概念，这指的是公司因借款而欠银行的款项。当企业从银行借款时，它会签订一份法律协议，规定还款条款，包括利率、还款计划以及任何所需的担保。企业必须偿还的总金额被记录为其资产负债表上的负债，称为银行应付贷款。这一负债表明公司对贷款机构的财务义务，必须谨慎管理，以保持良好的财务健康。理解银行应付贷款至关重要，原因有几个。首先，它影响公司的现金流管理。企业需要确保有足够的现金可用来满足贷款还款义务。如果未能做到这一点，可能会导致逾期费用、利率上升，甚至违约，这可能严重损害公司的信用评级和财务稳定性。此外，归类为银行应付贷款的金额也会影响公司的杠杆比率，而这对于评估财务风险至关重要。投资者和债权人通常会查看这些比率，以确定公司使用多少债务来融资其资产。相对于股本的高债务水平可能表明潜在的财务困境，而较低的比率可能表明财务状况更加稳定。此外，了解银行应付贷款的性质有助于企业规划未来的融资需求。通过跟踪当前负债，企业可以做出明智的决定，何时寻求额外资金，无论是通过更多的贷款还是替代融资方式。这种前瞻性的方法可以帮助避免现金流问题，并确保企业在其行业中保持竞争力。银行应付贷款的另一个重要方面是利率的影响。借款成本可能会根据经济条件波动，企业必须保持对这些变化的关注。利率的上升可能会增加现有贷款的整体成本，使企业偿还债务的费用更高。相反，如果利率下降，企业可能受益于以较低的利率再融资其贷款，从而减少其银行应付贷款的负担。总之，银行应付贷款是每个企业都应理解的关键财务概念。它涵盖了公司对贷方的义务，在现金流管理、财务分析和战略规划中发挥着重要作用。通过有效管理其银行应付贷款，企业可以增强其财务稳定性，提高信用度，并为未来的增长机会做好准备。因此，企业主和财务经理必须密切关注其贷款义务，并做出有利于公司长期成功的明智决策。