adverse balance

简明释义

贸易逆差

英英释义

例句

1.An adverse balance in trade can lead to economic instability for a country.

贸易中的不利余额可能导致一个国家的经济不稳定。

2.Due to the adverse balance in the budget, the manager had to cut costs significantly.

由于预算中的不利余额，经理不得不大幅削减成本。

3.The company reported an adverse balance in its financial statement, indicating it had more liabilities than assets.

公司在财务报表中报告了一个不利余额，这表明其负债超过了资产。

4.After reviewing the accounts, the auditor found an adverse balance that needed immediate attention.

审计员在审查账目后发现了一个需要立即关注的不利余额。

5.The financial advisor warned her client about the risks associated with maintaining an adverse balance in their investment portfolio.

财务顾问警告她的客户，维持投资组合中的不利余额存在风险。

作文

In the world of finance and economics, the term adverse balance refers to a situation where liabilities exceed assets, resulting in a negative financial position. This concept is crucial for businesses and individuals alike, as it highlights the importance of maintaining a healthy financial status. An adverse balance can lead to various consequences, such as increased borrowing costs, limited access to credit, and even bankruptcy in severe cases. Therefore, understanding how to manage finances effectively is essential to avoid falling into this precarious situation.One of the primary causes of an adverse balance is poor financial management. When individuals or organizations fail to track their income and expenses accurately, they may find themselves overspending and accumulating debt. For instance, a small business that does not keep a close eye on its cash flow may inadvertently spend more than it earns, leading to an adverse balance. Additionally, unexpected expenses, such as repairs or legal fees, can also contribute to a negative financial position if not adequately planned for.Another factor that can lead to an adverse balance is economic downturns. During recessions, many businesses experience reduced sales and revenue, which can result in a higher likelihood of incurring losses. If a company has fixed costs, such as rent or salaries, it must continue to pay these expenses even when income declines. This situation can quickly spiral into an adverse balance, as the ongoing expenses may outpace the dwindling revenue.To combat the risk of an adverse balance, it is vital to implement sound financial practices. Budgeting is one of the most effective tools for managing finances. By creating a detailed budget, individuals and businesses can gain a clearer understanding of their income and expenses, allowing them to make informed decisions about spending and saving. Regularly reviewing and adjusting the budget can help identify areas where cuts can be made, ultimately preventing an adverse balance from occurring.Moreover, building an emergency fund is another essential strategy for mitigating the impact of unforeseen expenses. An emergency fund acts as a financial cushion, providing a buffer against unexpected costs that could otherwise lead to an adverse balance. Ideally, individuals should aim to save three to six months' worth of living expenses in this fund, ensuring they have the resources necessary to navigate financial challenges.In addition to budgeting and saving, seeking professional financial advice can also be beneficial. Financial advisors can provide valuable insights and strategies for managing finances effectively, helping individuals and businesses avoid the pitfalls that lead to an adverse balance. They can assist in developing personalized financial plans, investment strategies, and debt management solutions tailored to specific needs and circumstances.In conclusion, an adverse balance represents a significant risk in the realm of finance, signaling a negative financial position that can have far-reaching consequences. By understanding the causes of an adverse balance and implementing effective financial management strategies, individuals and businesses can protect themselves from falling into this challenging situation. Maintaining a balanced financial outlook is essential for long-term stability and success, making it imperative to prioritize sound financial practices in everyday life.

在金融和经济的世界中，术语不利余额指的是负债超过资产，导致负面财务状况的情况。这个概念对企业和个人都至关重要，因为它突出了保持健康财务状态的重要性。不利余额可能导致各种后果，如借款成本增加、信贷获取受限，甚至在严重情况下破产。因此，了解如何有效管理财务对于避免陷入这种危险的境地至关重要。造成不利余额的主要原因之一是财务管理不善。当个人或组织未能准确跟踪其收入和支出时，他们可能会发现自己超支并累积债务。例如，一家小企业如果没有密切关注其现金流，可能会不知不觉中支出超过收入，从而导致不利余额。此外，意外开支，如维修费或法律费用，如果没有适当规划，也可能导致负面财务状况。另一个导致不利余额的因素是经济衰退。在经济萧条期间，许多企业经历销售和收入减少，这可能导致亏损的可能性增加。如果一家公司有固定成本，例如租金或工资，即使收入下降，它也必须继续支付这些费用。这种情况很快就会演变成不利余额，因为持续的支出可能超过不断减少的收入。为了应对不利余额的风险，实施良好的财务实践至关重要。预算编制是管理财务的最有效工具之一。通过创建详细的预算，个人和企业可以更清楚地了解他们的收入和支出，从而做出明智的消费和储蓄决策。定期审查和调整预算可以帮助识别可以削减的领域，最终防止出现不利余额。此外，建立应急基金是缓解意外开支影响的另一个重要策略。应急基金充当财务缓冲，提供对抗意外费用的保护，否则这些费用可能导致不利余额。理想情况下，个人应目标储蓄三到六个月的生活费用，以确保他们拥有应对财务挑战所需的资源。除了预算和储蓄，寻求专业财务建议也可能是有益的。财务顾问可以提供宝贵的见解和管理财务的策略，帮助个人和企业避免导致不利余额的陷阱。他们可以协助制定个性化的财务计划、投资策略和债务管理解决方案，以满足特定需求和情况。总之，不利余额代表了财务领域中的重大风险，标志着一种可能产生深远后果的负面财务状况。通过理解不利余额的原因并实施有效的财务管理策略，个人和企业可以保护自己免于陷入这一具有挑战性的境地。保持平衡的财务前景对于长期稳定和成功至关重要，因此在日常生活中优先考虑良好的财务实践显得尤为重要。