sweep balance

简明释义

扫描平衡

英英释义

例句

1.After reviewing the account, I noticed that the sweep balance feature helped maintain a minimum balance.

在审查账户后，我注意到余额清扫功能帮助维持了最低余额。

2.The financial advisor recommended a sweep balance strategy to maximize our investment returns.

财务顾问建议采用余额清扫策略以最大化我们的投资回报。

3.I set up an automatic sweep balance every Friday to keep my savings growing.

我每周五设置了自动余额清扫以保持我的储蓄增长。

4.Many companies use a sweep balance system to ensure they have enough liquidity for operations.

许多公司使用余额清扫系统来确保他们有足够的流动性以支持运营。

5.At the end of each month, my bank automatically performs a sweep balance to transfer excess funds into a higher interest account.

在每个月结束时，我的银行会自动进行一次余额清扫，将多余的资金转入一个更高利率的账户。

作文

In the world of finance and banking, terms often carry significant weight, influencing how individuals and businesses manage their money. One such term is sweep balance, which refers to a banking service that automatically transfers excess funds from a checking account into a higher-interest savings account or investment vehicle at the end of each business day. This process ensures that the funds are not sitting idle, earning little to no interest, but rather working efficiently to generate more income for the account holder.Understanding the concept of sweep balance is essential for anyone looking to maximize their financial growth. For instance, consider a small business owner who maintains a checking account to manage daily transactions. At the end of the day, if there is a surplus in the checking account, the bank's sweep balance feature can transfer this excess amount into a savings account that offers a higher interest rate. This simple yet effective strategy allows the business owner to earn more on their funds without having to actively manage the transfers themselves.Moreover, sweep balance services can be particularly beneficial for individuals who receive irregular income, such as freelancers or commission-based workers. By utilizing this service, they can ensure that any extra funds are working for them rather than remaining stagnant in a low-interest account. This not only helps in building savings but also provides a sense of financial security, knowing that every dollar is being put to good use.Furthermore, banks typically offer various types of sweep accounts, including those that sweep funds into different types of investments, such as mutual funds or certificates of deposit (CDs). This diversification can help account holders manage risk while still pursuing higher returns on their investments. The flexibility of sweep balance options means that customers can tailor their financial strategies according to their specific needs and goals.However, it is important to note that while sweep accounts can provide significant benefits, they may also come with certain fees or minimum balance requirements. Therefore, individuals and businesses should carefully review the terms and conditions associated with these services before committing. It is advisable to consult with a financial advisor to ensure that opting for a sweep balance service aligns with one's overall financial strategy.In conclusion, the concept of sweep balance plays a crucial role in modern banking, offering a practical solution for individuals and businesses seeking to optimize their financial resources. By understanding how this service works and its potential benefits, account holders can make informed decisions that enhance their financial well-being. In an age where every cent counts, leveraging tools like sweep balance can lead to greater financial success and stability.

在金融和银行的世界中，术语通常具有重要意义，影响个人和企业如何管理他们的资金。其中一个术语是sweep balance，指的是一种银行服务，它会在每个工作日结束时自动将支票账户中的多余资金转移到一个利率更高的储蓄账户或投资工具中。这个过程确保资金不会闲置，赚取很少或没有利息，而是有效地运作，为账户持有人创造更多的收入。理解sweep balance的概念对于任何希望最大化财务增长的人来说都是至关重要的。例如，考虑一个小企业主，他维持一个支票账户来管理日常交易。在一天结束时，如果支票账户中有盈余，银行的sweep balance功能可以将这笔多余的金额转移到一个提供更高利率的储蓄账户中。这种简单而有效的策略使企业主能够在不必主动管理转账的情况下，让他们的资金获得更多的收益。此外，sweep balance服务对于那些收入不规律的人，诸如自由职业者或基于佣金的工作者尤其有利。通过利用这一服务，他们可以确保任何额外资金都在为他们工作，而不是停滞在一个低利率的账户中。这不仅有助于建立储蓄，还提供了一种财务安全感，知道每一美元都得到了良好的利用。此外，银行通常提供各种类型的扫账账户，包括将资金扫入不同类型投资（如共同基金或定期存款（CD））的账户。这种多样化可以帮助账户持有人管理风险，同时仍然追求更高的投资回报。sweep balance选项的灵活性意味着客户可以根据自己的特定需求和目标量身定制他们的财务策略。然而，重要的是要注意，尽管扫账账户可以提供显著的好处，但它们可能也伴随着某些费用或最低余额要求。因此，个人和企业在承诺之前应仔细审查与这些服务相关的条款和条件。建议咨询财务顾问，以确保选择sweep balance服务与整体财务策略相一致。总之，sweep balance的概念在现代银行中发挥着至关重要的作用，为寻求优化财务资源的个人和企业提供了实用的解决方案。通过理解这一服务的运作方式及其潜在好处，账户持有人可以做出明智的决策，从而增强他们的财务健康。在每分钱都重要的时代，利用像sweep balance这样的工具可以带来更大的财务成功和稳定。