precautionary cash balance

简明释义

预防性现金余额

英英释义

例句

1.Investors often recommend keeping a precautionary cash balance for emergencies.

投资者通常建议保持一个预防性现金余额以应对紧急情况。

2.The startup set aside a precautionary cash balance to navigate the first year of operations.

这家初创公司预留了一个预防性现金余额以应对第一年的运营。

3.The company decided to maintain a precautionary cash balance to ensure they could cover unexpected expenses.

公司决定保持一个预防性现金余额以确保能够支付意外费用。

4.To mitigate risks, the firm allocated a portion of its funds as a precautionary cash balance.

为了降低风险，该公司将一部分资金分配为预防性现金余额。

5.During the economic downturn, many businesses increased their precautionary cash balance to stay afloat.

在经济衰退期间，许多企业增加了他们的预防性现金余额以维持运营。

作文

In the world of finance and business, managing cash flow is crucial for the sustainability and growth of any organization. One important concept that plays a significant role in this management is the precautionary cash balance. This term refers to the amount of cash that a company keeps on hand as a buffer against unexpected expenses or downturns in revenue. The idea is to ensure that the business can continue operating smoothly even when faced with unforeseen challenges. A precautionary cash balance acts as a safety net. For instance, if a company experiences a sudden drop in sales due to market fluctuations or an economic downturn, having this cash reserve allows it to cover operational costs, pay employees, and meet other financial obligations without resorting to loans or credit lines. This is particularly important for small businesses that may not have access to large amounts of credit or financing options. Moreover, maintaining a precautionary cash balance can also provide peace of mind for business owners and stakeholders. Knowing that there are funds available to address emergencies can reduce stress and allow leaders to focus on long-term strategies rather than short-term survival. This financial cushion can also enhance a company's reputation among investors and creditors, signaling that it is well-managed and prepared for uncertainties. However, determining the appropriate level of precautionary cash balance can be challenging. If a company holds too much cash, it may miss out on investment opportunities that could generate higher returns. Conversely, if it keeps too little, it risks being unable to respond adequately to emergencies. Therefore, businesses must carefully analyze their cash flow needs, industry trends, and potential risks to find the right balance. To effectively manage a precautionary cash balance, companies often employ various strategies. These include regular cash flow forecasts, which help predict future cash needs based on historical data and market conditions. Additionally, businesses might consider establishing a line of credit as a backup option, allowing them to access funds quickly if necessary while still maintaining a reasonable cash reserve. In conclusion, the concept of a precautionary cash balance is vital for effective financial management in any business. It serves as a safeguard against unexpected financial challenges, providing security and stability. By carefully assessing their cash flow requirements and strategically managing their reserves, companies can ensure they are well-prepared for any situation that may arise, ultimately contributing to their long-term success and resilience in a competitive marketplace.

在金融和商业的世界中，现金流的管理对于任何组织的可持续发展和增长至关重要。一个在这种管理中扮演重要角色的概念是预防性现金余额。这个术语指的是公司为了应对意外支出或收入下滑而保留的现金数量。其目的是确保企业即使面临意外挑战，也能继续顺利运营。预防性现金余额充当安全网。例如，如果一家公司的销售因市场波动或经济衰退而突然下降，保持这一现金储备使其能够支付运营成本、员工工资以及其他财务义务，而不必求助于贷款或信用额度。这对于可能无法获得大量信用或融资选项的小型企业尤为重要。此外，维持预防性现金余额也可以为企业主和利益相关者提供安心。知道有资金可用于应对紧急情况可以减少压力，并使领导者能够专注于长期战略，而不是短期生存。这种财务缓冲还可以增强公司在投资者和债权人中的声誉，表明它的管理良好并为不确定性做好了准备。然而，确定适当的预防性现金余额水平可能具有挑战性。如果公司持有过多现金，可能会错失产生更高回报的投资机会。相反，如果保持过少，则可能面临无法充分应对紧急情况的风险。因此，企业必须仔细分析其现金流需求、行业趋势和潜在风险，以找到合适的平衡。为了有效管理预防性现金余额，公司通常会采用各种策略。这些策略包括定期现金流预测，帮助根据历史数据和市场条件预测未来的现金需求。此外，企业可能考虑建立信用额度作为备用选项，使其在必要时能够快速获取资金，同时仍然保持合理的现金储备。总之，预防性现金余额的概念对于任何企业的有效财务管理至关重要。它作为应对意外财务挑战的保障，提供安全性和稳定性。通过仔细评估现金流需求并战略性地管理储备，公司可以确保为可能出现的任何情况做好充分准备，最终促进其在竞争市场中的长期成功和韧性。