debit balance

简明释义

借方差额;借差

英英释义

例句

1.If your account shows a debit balance, it's crucial to pay it off promptly.

如果你的账户显示有借方余额，及时还清是至关重要的。

2.After reviewing my bank statement, I noticed a debit balance of $200, which means I owe the bank that amount.

在查看我的银行对账单后，我注意到有一个借方余额为200美元，这意味着我欠银行这笔钱。

3.To avoid any fees, I need to ensure my debit balance stays above zero.

为了避免任何费用，我需要确保我的借方余额保持在零以上。

4.My credit card has a debit balance because I made more purchases than my limit.

我的信用卡有一个借方余额，因为我购买的金额超过了我的限额。

5.The accountant explained that a debit balance indicates that expenses exceed income.

会计解释说，借方余额表示支出超过收入。

作文

In today's financial world, understanding terms like debit balance is crucial for anyone managing their personal or business finances. A debit balance refers to the amount of money that a person or organization owes in their bank account or any financial ledger. It indicates that the withdrawals from the account exceed the deposits, resulting in a negative balance. This concept is not only important for individual consumers but also for businesses that need to maintain healthy cash flow and financial stability.When a bank account shows a debit balance, it typically means that the account holder has spent more money than they have available. For instance, if someone has a checking account with $500 but makes purchases totaling $600, their account will show a debit balance of -$100. This situation can lead to overdraft fees, which are charges imposed by banks when an account is overdrawn. Understanding how a debit balance works can help individuals avoid these unnecessary costs.Businesses also need to be aware of their debit balance as it can affect their creditworthiness and ability to secure loans. A consistent debit balance may signal to lenders that a company is struggling financially, which could make it more difficult to obtain funding for growth or operations. Therefore, keeping track of financial statements and understanding where the debit balance stands at any given time is essential for sound financial management.Moreover, a debit balance can also appear in other contexts, such as accounting. In accounting terms, a debit balance is recorded on the left side of a ledger. It represents assets or expenses, which are positive values. However, when we refer to a debit balance in the context of bank accounts, it usually denotes a negative situation that requires immediate attention.To effectively manage a debit balance, individuals and businesses should regularly review their bank statements and financial records. Setting up alerts for low balances can also help prevent accounts from going into the red. Additionally, creating a budget that tracks income and expenses can provide greater visibility into one’s financial situation, helping to avoid the pitfalls of a debit balance.In conclusion, the term debit balance is an essential component of financial literacy. Whether you are an individual trying to manage your personal finances or a business owner looking to maintain a healthy cash flow, understanding what a debit balance means and how it affects your finances is vital. By staying informed and proactive, you can ensure that your financial health remains intact, avoiding the repercussions of a negative balance and paving the way for a more secure financial future.

在当今的金融世界中，理解像借方余额这样的术语对于任何管理个人或商业财务的人来说都是至关重要的。借方余额指的是个人或组织在其银行账户或任何财务账本中所欠的金额。它表明账户的支出超过了存款，导致负余额。这一概念不仅对个人消费者重要，对需要保持健康现金流和财务稳定的企业同样重要。当银行账户显示出借方余额时，通常意味着账户持有人花费的钱超过了可用资金。例如，如果某人的支票账户有500美元，但消费总计为600美元，那么他们的账户将显示出借方余额为-100美元。这种情况可能导致透支费用，即当账户透支时银行收取的费用。了解借方余额的工作原理可以帮助个人避免这些不必要的费用。企业也需要关注其借方余额，因为这会影响其信用度和获得贷款的能力。持续的借方余额可能向贷方表明公司在财务上遇到困难，这可能使获得用于增长或运营的资金变得更加困难。因此，定期跟踪财务报表并了解在任何给定时间内的借方余额状况对良好的财务管理至关重要。此外，借方余额还可以出现在其他上下文中，例如会计。在会计术语中，借方余额记录在账本的左侧。它代表资产或费用，这是正值。然而，当我们在银行账户的上下文中提到借方余额时，它通常表示一种需要立即关注的负面情况。为了有效管理借方余额，个人和企业应定期审查其银行对账单和财务记录。设置低余额警报也可以帮助防止账户出现赤字。此外，制定跟踪收入和支出的预算可以提供更大的财务状况可见性，有助于避免出现借方余额的陷阱。总之，术语借方余额是财务素养的一个重要组成部分。无论您是试图管理个人财务的个人，还是希望保持健康现金流的企业主，理解借方余额的含义及其对财务的影响是至关重要的。通过保持信息灵通和主动，您可以确保自己的财务健康保持完好，避免负余额的后果，并为更安全的财务未来铺平道路。