interest earned but not collected

简明释义

应收已得利息

英英释义

例句

1.During the financial review, we discovered a large amount of interest earned but not collected from customer accounts.

在财务审查中，我们发现客户账户上有大量的未收取的利息。

2.The accountant noted that the company had significant interest earned but not collected on its receivables.

会计注意到公司在应收账款上有显著的未收取的利息。

3.Investors should consider interest earned but not collected when evaluating the performance of their portfolios.

投资者在评估其投资组合的表现时应考虑未收取的利息。

4.The bank reported an increase in interest earned but not collected due to a rise in overdue loans.

由于逾期贷款增加，银行报告了未收取的利息的增加。

5.The firm adjusted its financial statements to reflect the interest earned but not collected for the year.

该公司调整了财务报表，以反映本年度的未收取的利息。

作文

In the world of finance, understanding various terms and concepts is essential for making informed decisions. One such term that often comes up is interest earned but not collected. This phrase refers to the interest that has accrued on an investment or loan but has not yet been received by the investor or lender. It is a critical concept for both individuals and businesses as it can significantly impact cash flow and financial planning.To illustrate this concept, let’s consider a simple example involving a savings account. When you deposit money into a savings account, the bank pays you interest on your balance. This interest accumulates over time, but it may not be credited to your account until the end of a specific period, such as monthly or annually. During this time, the interest is considered interest earned but not collected because although it has accrued, you have not yet received it in your account.This situation can also arise in business scenarios. For instance, a company may extend credit to its customers, allowing them to purchase goods or services with the promise of payment later. While the company earns interest on these receivables, the actual cash may not be collected until the customer pays their invoice. Again, this interest is categorized as interest earned but not collected until the payment is received.Understanding interest earned but not collected is crucial for effective cash flow management. Businesses need to monitor their accounts receivable closely to ensure that they are not only earning interest but also collecting it in a timely manner. Failure to do so can lead to liquidity issues, where a company has plenty of assets on paper but struggles to meet its immediate financial obligations due to a lack of cash flow.Moreover, for individual investors, recognizing interest earned but not collected can help in planning for future expenses and investments. For example, if you know that a certain amount of interest will be credited to your account soon, you might choose to invest that money elsewhere or use it for upcoming expenses. This foresight allows for better financial decision-making and helps in maximizing the returns on investments.However, it is also important to note that interest earned but not collected can sometimes lead to misunderstandings. For instance, a person might assume they have more money available than they actually do, based solely on the interest that has accrued but not yet been collected. This could result in overspending or poor financial planning, emphasizing the need for accurate accounting and awareness of one’s financial situation.In conclusion, interest earned but not collected is a vital concept in finance that affects both individuals and businesses. By comprehending this term and its implications, one can make better financial decisions, manage cash flow effectively, and avoid potential pitfalls. Whether dealing with personal savings or business transactions, being aware of how interest accrues and when it will be collected is essential for maintaining a healthy financial status.

在金融世界中，理解各种术语和概念对于做出明智的决策至关重要。一个经常出现的术语是未收取的应得利息。这个短语指的是在投资或贷款上已经产生但尚未被投资者或贷方收到的利息。这是一个对个人和企业都至关重要的概念，因为它会显著影响现金流和财务规划。为了说明这一概念，让我们考虑一个简单的例子，涉及一个储蓄账户。当您将钱存入储蓄账户时，银行会根据您的余额支付利息。这笔利息会随着时间的推移而累积，但可能要到特定的时间段结束时，例如每月或每年，才会记入您的账户。在此期间，这笔利息被视为未收取的应得利息，因为尽管它已经产生，但您尚未在账户中收到。这种情况也可能出现在商业场景中。例如，一家公司可能会向其客户提供信贷，允许他们购买商品或服务，并承诺稍后付款。虽然公司在这些应收款项上赚取利息，但实际现金可能要等到客户支付发票后才能收回。同样，直到收到付款之前，这笔利息被归类为未收取的应得利息。理解未收取的应得利息对于有效的现金流管理至关重要。企业需要密切监控其应收账款，以确保他们不仅在赚取利息，而且还及时收回。未能做到这一点可能导致流动性问题，即公司在账面上有大量资产，但由于现金流不足而难以满足其即时财务义务。此外，对于个人投资者而言，认识到未收取的应得利息可以帮助规划未来的支出和投资。例如，如果您知道某个金额的利息将在不久后记入您的账户，您可能会选择将这笔钱投资于其他地方或用于即将到来的支出。这种前瞻性使得更好的财务决策成为可能，并有助于最大化投资回报。然而，也需要注意的是，未收取的应得利息有时可能导致误解。例如，一个人可能仅仅基于已经产生但尚未收取的利息来假设他们可用的钱比实际情况要多。这可能导致过度消费或财务规划不当，强调了准确核算和对自身财务状况的意识的重要性。总之，未收取的应得利息是金融领域中的一个重要概念，影响着个人和企业。通过理解这个术语及其影响，人们可以做出更好的财务决策，有效管理现金流，并避免潜在的陷阱。无论是处理个人储蓄还是商业交易，了解利息如何累积以及何时会被收回对于维持健康的财务状况至关重要。