notes payable to banks

简明释义

应付银行的票据

英英释义

例句

1.The bank requires collateral for any notes payable to banks 应付银行票据 issued by the company.

银行要求对公司发行的任何应付银行票据提供担保。

2.To finance the new project, the firm decided to issue notes payable to banks 应付银行票据 for a total of $1 million.

为了为新项目融资，公司决定发行总额为100万美元的应付银行票据。

3.The company reported its financial liabilities, which included notes payable to banks 应付银行票据 worth $500,000.

公司报告了其财务负债，其中包括价值50万美元的应付银行票据。

4.During the audit, the accountant discovered discrepancies in the notes payable to banks 应付银行票据 records.

在审计过程中，会计发现了应付银行票据记录中的不一致之处。

5.In their balance sheet, they listed notes payable to banks 应付银行票据 as short-term liabilities.

在他们的资产负债表中，他们将应付银行票据列为短期负债。

作文

In the world of finance and accounting, understanding various terms and concepts is crucial for both individuals and businesses. One such term that often comes up in financial statements is notes payable to banks. This phrase refers to a type of liability that a company incurs when it borrows money from a bank. These notes are formal written promises to pay a certain amount of money at a future date, usually with interest. Understanding this concept is essential for managing a company's finances effectively.When a business needs to obtain funds for expansion, operational costs, or other financial needs, it may turn to banks for loans. The funds obtained through these loans are often documented as notes payable to banks. This documentation serves several purposes: it provides a clear record of the debt, outlines the terms of repayment, and specifies the interest rate applicable to the loan.For example, if a company borrows $100,000 from a bank with a repayment period of five years and an interest rate of 5%, this loan will be recorded as notes payable to banks on the company’s balance sheet. This entry indicates that the company has a legal obligation to repay the borrowed amount along with the interest over the specified period.The classification of notes payable to banks is important because it helps stakeholders, including investors and creditors, understand the company's financial health. A high amount of notes payable might indicate that a company is heavily reliant on borrowed funds, which could pose risks if it struggles to meet its repayment obligations. Conversely, a low level of notes payable can signal financial stability and a lower risk profile.Moreover, managing notes payable to banks requires careful planning and monitoring. Companies must ensure they have sufficient cash flow to meet their repayment schedules. Failure to do so can lead to default, which can have severe consequences, including legal action from the bank and damage to the company's credit rating.In addition to the immediate financial implications, notes payable to banks also affect a company's strategic decisions. Businesses must weigh the benefits of taking on debt against the potential risks. For instance, while borrowing can provide necessary capital for growth, it also increases the company's liabilities and may limit its financial flexibility in the future.Furthermore, the terms associated with notes payable to banks can vary significantly based on the lender's policies, the company's creditworthiness, and the overall economic environment. Companies must negotiate favorable terms to minimize interest costs and align repayment schedules with their cash flow projections.In conclusion, notes payable to banks are a vital component of corporate finance. They represent a company's obligations to repay borrowed funds and play a significant role in assessing financial health and stability. By understanding the implications of these notes, businesses can make informed decisions about financing and managing their resources effectively. As we navigate the complexities of financial management, grasping terms like notes payable to banks becomes essential for ensuring long-term success and sustainability in the competitive business landscape.

在金融和会计的世界中，理解各种术语和概念对于个人和企业都至关重要。其中一个常常出现在财务报表中的术语是应付银行票据。这个短语指的是公司在向银行借款时所产生的一种负债。这些票据是正式的书面承诺，在未来的某个日期支付特定金额的资金，通常还包括利息。理解这一概念对于有效管理公司的财务至关重要。当企业需要获得资金用于扩展、运营成本或其他财务需求时，它可能会向银行寻求贷款。通过这些贷款获得的资金通常被记录为应付银行票据。这种文档起着几个目的：它提供了债务的清晰记录，概述了还款的条款，并指定了适用的利率。例如，如果一家公司从银行借入10万美元，偿还期限为五年，利率为5%，那么这笔贷款将在公司的资产负债表上记录为应付银行票据。这一条目表明，公司有法律义务在规定的期限内偿还借入的金额及利息。应付银行票据的分类非常重要，因为它帮助利益相关者，包括投资者和债权人，了解公司的财务健康状况。高额的应付票据可能表明公司严重依赖借款，这在公司难以满足还款义务时可能带来风险。相反，低水平的应付票据则可以传达财务稳定性和较低的风险特征。此外，管理应付银行票据需要仔细的规划和监控。公司必须确保有足够的现金流来满足还款计划。如果未能做到这一点，可能会导致违约，这可能会产生严重后果，包括银行的法律行动以及对公司信用评级的损害。除了直接的财务影响外，应付银行票据还会影响公司的战略决策。企业必须权衡承担债务的好处与潜在风险。例如，虽然借款可以提供必要的资本用于增长，但它也增加了公司的负债，并可能限制其未来的财务灵活性。此外，应付银行票据的相关条款可能会因贷方的政策、公司的信用状况和整体经济环境而大相径庭。公司必须谈判有利的条款，以最小化利息成本，并使还款计划与其现金流预测保持一致。总之，应付银行票据是公司财务的重要组成部分。它们代表了公司偿还借入资金的义务，并在评估财务健康和稳定性方面发挥着重要作用。通过理解这些票据的影响，企业可以就融资和资源管理做出明智的决策。在我们应对财务管理的复杂性时，掌握像应付银行票据这样的术语对于确保在竞争激烈的商业环境中实现长期成功和可持续性变得至关重要。