outstanding balance

简明释义

待结款项

英英释义

例句

1.Make sure to clear your outstanding balance to avoid late fees.

确保清除您的未偿余额以避免滞纳金。

2.You need to pay off your outstanding balance before applying for a new credit card.

在申请新信用卡之前，您需要偿还未偿余额。

3.The outstanding balance on your loan is due next month.

您贷款的未偿余额将在下个月到期。

4.Your outstanding balance is displayed on the billing statement.

您的未偿余额在账单上显示。

5.Please check your account statement to see the outstanding balance.

请查看您的账户对账单以了解未偿余额。

作文

Understanding the concept of an outstanding balance is crucial for anyone dealing with finances, whether personally or in a business context. An outstanding balance refers to the amount of money that is still owed on a loan or credit account. This figure can significantly impact one's financial health and decision-making processes. For instance, if an individual has an outstanding balance on their credit card, it indicates that they have not fully paid off their debt, which can lead to interest charges and potentially affect their credit score.In personal finance, managing an outstanding balance is essential for maintaining a good credit rating. Credit scores are calculated based on various factors, including payment history, credit utilization, and the total amount of debt owed. A high outstanding balance relative to the credit limit can signal to lenders that a borrower may be overextended financially, which could result in higher interest rates or denied credit applications.For businesses, the concept of an outstanding balance is equally important. Companies often extend credit to customers, allowing them to purchase goods or services with the agreement to pay later. The outstanding balance in this case represents the total amount that customers owe to the business. Monitoring these balances is vital for cash flow management. If customers have high outstanding balances, it may indicate a cash flow problem for the business, as funds that could be used for operations are tied up in receivables.Additionally, understanding how to reduce an outstanding balance is a key skill in financial management. Individuals can achieve this by making regular payments that exceed the minimum due, thereby reducing the principal amount owed and minimizing interest charges. Businesses can encourage timely payments from clients through incentives or by implementing strict payment terms.In conclusion, the term outstanding balance encapsulates a critical aspect of financial management. Whether for personal budgeting or corporate finance, being aware of what an outstanding balance entails and how to manage it effectively can lead to better financial outcomes. By keeping track of outstanding balances, individuals and businesses alike can ensure they are on the path to financial stability and success. Understanding this term not only helps in managing debts but also empowers individuals and businesses to make informed financial decisions in their daily operations. Thus, an outstanding balance is more than just a number; it is a reflection of one’s financial obligations and a key indicator of overall financial health.

理解“未偿余额”这一概念对于任何处理财务的人来说都是至关重要的，无论是个人还是在商业环境中。“未偿余额”是指贷款或信用账户上仍然欠款的金额。这个数字会显著影响一个人的财务健康和决策过程。例如，如果一个人在信用卡上有“未偿余额”，这表明他们尚未完全偿还债务，这可能导致利息费用，并可能影响他们的信用评分。在个人财务管理中，管理“未偿余额”对于保持良好的信用评级至关重要。信用评分是基于多个因素计算的，包括支付历史、信用利用率和欠款总额。相对于信用限额来说，高“未偿余额”可能向贷款人发出信号，表明借款人可能在财务上过度扩张，这可能导致更高的利率或拒绝信用申请。对于企业而言，“未偿余额”的概念同样重要。公司通常会向客户提供信用，允许他们购买商品或服务，并同意稍后付款。在这种情况下，“未偿余额”代表客户欠企业的总金额。监控这些余额对于现金流管理至关重要。如果客户的“未偿余额”很高，这可能表明企业的现金流问题，因为本可以用于运营的资金被锁定在应收账款中。此外，理解如何减少“未偿余额”是财务管理中的一项关键技能。个人可以通过定期支付超过最低还款额的款项来实现这一目标，从而减少欠款本金并最小化利息费用。企业可以通过激励措施或实施严格的付款条款来鼓励客户及时付款。总之，“未偿余额”这一术语概括了财务管理的一个关键方面。无论是个人预算还是企业财务，了解“未偿余额”的含义以及如何有效管理它都能带来更好的财务结果。通过跟踪“未偿余额”，个人和企业都可以确保自己走在财务稳定和成功的道路上。因此，“未偿余额”不仅仅是一个数字；它反映了一个人的财务义务，是整体财务健康的重要指标。