revolving line of credit

简明释义

周转信货额度

英英释义

例句

1.Using a revolving line of credit can help you cover unexpected expenses without disrupting your budget.

使用循环信用额度可以帮助你应对意外开支，而不会打乱你的预算。

2.Many entrepreneurs rely on a revolving line of credit for quick access to funds when needed.

许多企业家依赖于循环信用额度以便在需要时快速获得资金。

3.A revolving line of credit allows you to borrow money, repay it, and borrow again as needed.

一条循环信用额度允许你借款、偿还，然后在需要时再次借款。

4.She used her revolving line of credit to pay for emergency repairs on her car.

她用她的循环信用额度来支付汽车的紧急维修费。

5.The small business owner applied for a revolving line of credit to manage cash flow during the slow season.

小企业主申请了一条循环信用额度以在淡季期间管理现金流。

作文

A revolving line of credit is a financial tool that offers flexibility to individuals and businesses alike. It allows borrowers to access funds up to a certain limit, repay them, and then borrow again as needed. This type of credit is similar to a credit card, where the borrower can use the available credit repeatedly without having to apply for a new loan each time. The key feature of a revolving line of credit is that it can be reused, which makes it an attractive option for those who may have fluctuating expenses or cash flow needs.One of the primary advantages of a revolving line of credit is its flexibility. For example, a small business owner may experience seasonal fluctuations in revenue. During peak seasons, they may need extra funds to purchase inventory or hire additional staff. A revolving line of credit allows them to draw on the credit line when needed and pay it back during slower months, helping to manage their cash flow effectively.Moreover, a revolving line of credit typically has a lower interest rate compared to other forms of borrowing, such as personal loans or credit cards. This can lead to significant savings over time, especially if the borrower is disciplined about repaying the borrowed amount promptly. Additionally, some lenders offer promotional rates, making it even more appealing for borrowers to utilize this financial product.However, it is essential for borrowers to use a revolving line of credit responsibly. Because the credit is easily accessible, there is a risk of overspending. Borrowers may find themselves in a cycle of debt if they do not keep track of their spending and repayment. Therefore, it is crucial to establish a budget and stick to it when using a revolving line of credit. By doing so, individuals and businesses can take full advantage of the benefits while minimizing the risks associated with this type of financing.In conclusion, a revolving line of credit is a valuable financial resource that can provide the necessary funds for various purposes, whether for personal use or business operations. Its flexibility, lower interest rates, and potential for repeated access to funds make it an attractive option. However, responsible usage is vital to avoid falling into debt. With careful planning and management, a revolving line of credit can be a powerful tool in achieving financial stability and growth.

循环信用额度是一种金融工具，为个人和企业提供灵活性。它允许借款人在一定限额内获取资金，偿还后再根据需要再次借款。这种类型的信用类似于信用卡，借款人可以反复使用可用信用，而不必每次都申请新的贷款。循环信用额度的关键特征是可以重复使用，这使得它成为那些可能有波动性支出或现金流需求的人的一个有吸引力的选择。循环信用额度的主要优点之一是其灵活性。例如，小企业主可能会经历季节性的收入波动。在旺季，他们可能需要额外的资金来购买库存或雇佣额外的员工。循环信用额度允许他们在需要时提取信用额度，并在淡季偿还，从而有效管理现金流。此外，循环信用额度通常比其他形式的借贷（如个人贷款或信用卡）具有更低的利率。这可能导致长期节省，特别是如果借款人能够及时偿还借款金额。此外，一些贷款机构提供促销利率，使得借款人利用这种金融产品更加吸引人。然而，借款人必须负责任地使用循环信用额度。由于信用容易获得，存在过度消费的风险。如果借款人没有跟踪自己的支出和还款，他们可能会陷入债务循环。因此，在使用循环信用额度时，制定预算并遵循它至关重要。通过这样做，个人和企业可以充分利用其好处，同时将与这种融资类型相关的风险降到最低。总之，循环信用额度是一种宝贵的金融资源，可以为各种用途提供所需资金，无论是个人使用还是商业运营。其灵活性、较低的利率以及重复获取资金的潜力使其成为一种有吸引力的选择。然而，负责任的使用至关重要，以避免陷入债务。通过仔细的规划和管理，循环信用额度可以成为实现财务稳定和增长的强大工具。