compensatory balance; compensating balance

简明释义

最低应存款

英英释义

例句

1.To avoid fees, the business must keep a compensatory balance in its checking account.

为了避免费用，企业必须在其支票账户中保持补偿余额。

2.The company agreed to maintain a compensatory balance to secure better terms from the lender.

公司同意保持补偿余额以获得贷方更好的条款。

3.The bank requires a compensating balance to maintain the loan agreement.

银行要求维持贷款协议的补偿余额。

4.Investors often look for banks that offer lower fees for accounts with a compensating balance.

投资者通常寻找那些对拥有补偿余额的账户收取较低费用的银行。

5.A higher compensating balance can lead to lower interest rates on loans.

更高的补偿余额可以导致贷款利率降低。

作文

In the world of finance, the concept of a compensatory balance; compensating balance plays a crucial role in the relationship between businesses and banks. A compensatory balance; compensating balance refers to a minimum amount of money that a borrower must maintain in their bank account as part of the terms for receiving a loan or credit. This arrangement is beneficial for both parties involved. For the bank, it ensures that the borrower remains financially stable and reduces the risk of default. For the borrower, maintaining a compensatory balance; compensating balance can sometimes lead to lower interest rates or better loan terms, as it demonstrates their commitment to managing their finances responsibly.Understanding how compensatory balance; compensating balance works is essential for any business looking to secure financing. When a company applies for a loan, the bank will often review its financial statements, credit history, and overall stability. If the bank deems the company a viable candidate for a loan, it may require the company to keep a certain amount of money in its account as a compensatory balance; compensating balance. This requirement can vary depending on the size of the loan and the perceived risk associated with lending to that particular business.The implications of a compensatory balance; compensating balance can be significant. For instance, if a business needs to borrow $100,000, the bank might require that they maintain a compensatory balance; compensating balance of $10,000 in their checking account. This means that while the business has access to the loan amount, they also need to keep a portion of their funds tied up in the bank. This can affect cash flow, as the business must ensure that it does not dip below the required balance, which could lead to additional fees or penalties.Moreover, a compensatory balance; compensating balance can also serve as a tool for negotiation. Businesses that are in a strong financial position may be able to negotiate a lower compensatory balance; compensating balance requirement or even eliminate it altogether. This ability to negotiate often depends on the company's history with the bank, its creditworthiness, and the overall economic climate.In addition to its practical implications, the concept of a compensatory balance; compensating balance also reflects broader themes in finance, such as trust and accountability. Banks want to ensure that borrowers are committed to their financial responsibilities, and requiring a compensatory balance; compensating balance is one way to enforce this. On the other hand, businesses must demonstrate that they are capable of managing their finances effectively to maintain a positive relationship with their lender.In conclusion, the idea of a compensatory balance; compensating balance is an important aspect of the lending process that benefits both banks and borrowers. It serves as a safeguard for banks while providing businesses with opportunities for better loan terms. Understanding this concept is vital for any business owner seeking financing, as it can have significant effects on cash flow, negotiations, and the overall relationship with their bank. As the financial landscape continues to evolve, the importance of maintaining a healthy compensatory balance; compensating balance will remain a key consideration for businesses and their lenders alike.

在金融世界中，补偿余额；补偿性余额的概念在企业与银行之间的关系中发挥着至关重要的作用。补偿余额；补偿性余额是指借款人必须在其银行账户中保持的一定金额，作为获得贷款或信用的条件。这种安排对双方都有利。对于银行而言，它确保借款人保持财务稳定，降低违约风险。对于借款人来说，维持补偿余额；补偿性余额有时可以导致更低的利率或更好的贷款条款，因为这表明他们致力于负责任地管理财务。理解补偿余额；补偿性余额的运作方式对于任何希望获得融资的企业至关重要。当一家公司申请贷款时，银行通常会审查其财务报表、信用历史和整体稳定性。如果银行认为该公司是一个可行的贷款候选者，它可能要求公司在其账户中保持一定金额作为补偿余额；补偿性余额。这一要求可能因贷款规模和与向特定企业放贷相关的风险而异。补偿余额；补偿性余额的影响可能是显著的。例如，如果一家公司需要借款100,000美元，银行可能要求他们在支票账户中保持10,000美元的补偿余额；补偿性余额。这意味着虽然企业可以使用贷款金额，但他们也需要将一部分资金存放在银行。这可能影响现金流，因为企业必须确保不低于所需余额，否则可能会导致额外的费用或罚款。此外，补偿余额；补偿性余额还可以作为谈判的工具。财务状况良好的企业可以谈判降低补偿余额；补偿性余额的要求，甚至完全消除它。这种谈判能力通常取决于公司与银行的历史、信用worthiness和整体经济环境。除了其实际影响外，补偿余额；补偿性余额的概念还反映了金融中的更广泛主题，例如信任和问责制。银行希望确保借款人对其财务责任承担责任，而要求保持补偿余额；补偿性余额是强制执行这一点的一种方式。另一方面，企业必须证明他们能够有效管理财务，以维持与贷方的积极关系。总之，补偿余额；补偿性余额的概念是贷款过程中一个重要的方面，对银行和借款人都有好处。它作为银行的保障，同时为企业提供了更好的贷款条款的机会。理解这一概念对于任何寻求融资的企业主至关重要，因为它可能对现金流、谈判和与银行的整体关系产生重大影响。随着金融环境的不断发展，保持健康的补偿余额；补偿性余额的重要性将继续成为企业及其贷方共同关注的关键考虑因素。