preauthorized transfer

简明释义

预先授权转帐

英英释义

例句

1.The bank offers a service for preauthorized transfers to help customers manage their bills.

银行提供预授权转账服务，帮助客户管理账单。

2.You can cancel the preauthorized transfer at any time through your online banking account.

您可以随时通过在线银行账户取消预授权转账。

3.Many people prefer preauthorized transfers for recurring payments like subscriptions.

许多人喜欢使用预授权转账进行像订阅这样的定期付款。

4.I forgot to update my preauthorized transfer after changing my utility provider.

在更换水电供应商后，我忘记更新我的预授权转账。

5.I set up a preauthorized transfer to pay my rent automatically each month.

我设置了一个预授权转账，每个月自动支付我的房租。

作文

In today's fast-paced world, managing finances efficiently is more important than ever. One of the most useful tools that individuals and businesses can utilize is the concept of a preauthorized transfer. A preauthorized transfer refers to an arrangement where a bank or financial institution is authorized to automatically transfer funds from one account to another at specified intervals. This can be particularly beneficial for recurring payments such as utility bills, loan repayments, or subscription services.The primary advantage of a preauthorized transfer is the convenience it offers. By setting up these transfers, individuals can ensure that their bills are paid on time without the need to manually initiate each transaction. This not only saves time but also helps in avoiding late fees that could arise from missed payments. For instance, if someone has a monthly mortgage payment, establishing a preauthorized transfer allows them to have the exact amount deducted from their checking account every month, ensuring that they remain in good standing with their lender.Moreover, a preauthorized transfer can aid in budgeting and financial planning. When individuals know that a specific amount will be deducted from their account regularly, they can better manage their remaining funds. This predictability can help in making informed spending decisions and can lead to improved financial health over time. For example, if a person knows that $200 will be transferred every month for their car payment, they can adjust their discretionary spending accordingly.However, it is essential to monitor preauthorized transfers closely. While they offer convenience, they can also lead to potential pitfalls if not managed properly. If an individual forgets about a preauthorized transfer, they may find themselves overdrawn, resulting in overdraft fees and possible damage to their credit score. Therefore, it is crucial to keep track of all scheduled transfers and ensure that there are sufficient funds in the account to cover these transactions.Additionally, consumers should be aware of the terms associated with preauthorized transfers. Different banks may have varying policies regarding how to set them up, how to cancel them, and any fees that may be involved. It is advisable to read the fine print and fully understand the implications before committing to a preauthorized transfer. This diligence can prevent misunderstandings and ensure that the process is as smooth as possible.In conclusion, a preauthorized transfer can be a powerful financial tool when used wisely. It provides convenience, aids in budgeting, and ensures timely payments. However, like any financial instrument, it requires careful management and awareness of one's financial situation. By understanding the benefits and potential drawbacks of preauthorized transfers, individuals can make informed decisions that contribute to their overall financial well-being.

在当今快节奏的世界中，高效管理财务比以往任何时候都更加重要。个人和企业可以利用的最有用的工具之一就是“预授权转账”的概念。“预授权转账”是指一种安排，银行或金融机构被授权在指定的时间间隔内自动将资金从一个账户转移到另一个账户。这对于水电费、贷款还款或订阅服务等定期付款尤其有利。“预授权转账”的主要优势在于其提供的便利性。通过设置这些转账，个人可以确保他们的账单按时支付，而无需手动启动每笔交易。这不仅节省了时间，还帮助避免因未支付而产生的滞纳金。例如，如果某人每月都有抵押贷款还款，建立“预授权转账”可以让他们每月从支票账户中扣除确切金额，确保他们与贷款人保持良好关系。此外，“预授权转账”可以帮助预算和财务规划。当个人知道会定期从他们的账户中扣除特定金额时，他们可以更好地管理剩余资金。这种可预测性可以帮助做出明智的消费决策，并随着时间的推移改善财务健康。例如，如果一个人知道每月要转账200美元用于汽车付款，他们可以相应地调整自己的可支配支出。然而，密切监控“预授权转账”是至关重要的。虽然它们提供了便利，但如果管理不当，也可能导致潜在的陷阱。如果个人忘记了某个“预授权转账”，他们可能会发现自己透支，从而导致透支费用和可能对信用评分造成损害。因此，跟踪所有计划中的转账并确保账户中有足够的资金来覆盖这些交易是至关重要的。此外，消费者应了解与“预授权转账”相关的条款。不同的银行可能在如何设置、取消以及可能涉及的任何费用方面有不同的政策。在承诺进行“预授权转账”之前，建议仔细阅读条款并充分理解其含义。这种谨慎可以防止误解，并确保过程尽可能顺利。总之，“预授权转账”可以成为一种强大的财务工具，前提是明智使用。它提供便利，帮助预算，并确保及时付款。然而，像任何金融工具一样，它需要仔细管理和对自身财务状况的意识。通过了解“预授权转账”的好处和潜在缺点，个人可以做出明智的决策，从而有助于整体财务健康。