notes payable

简明释义

应付票据

英英释义

例句

1.To finance the new project, we will need to take out notes payable.

为了资助新项目，我们需要借入应付票据。

2.The company issued a loan and recorded it as notes payable.

公司发放了一笔贷款，并将其记录为应付票据。

3.The accountant prepared a report detailing the notes payable for the board meeting.

会计师准备了一份报告，详细说明了董事会会议上的应付票据。

4.The notes payable must be settled within the next six months.

这笔应付票据必须在接下来的六个月内结清。

5.At the end of the fiscal year, the balance of notes payable increased significantly.

在财政年度结束时，应付票据的余额显著增加。

作文

In the world of finance and accounting, understanding the various terms and their implications is crucial for both individuals and businesses. One such term that often comes up in financial statements is notes payable, which refers to a written promise to pay a specific amount of money at a future date. This financial instrument is commonly used by companies to secure loans or credit from lenders, allowing them to manage their cash flow effectively. Notes payable can be short-term or long-term, depending on the repayment terms agreed upon between the borrower and the lender.When a company issues a note payable, it is essentially entering into a formal agreement that outlines the loan amount, interest rate, payment schedule, and maturity date. This agreement is beneficial for both parties involved; the lender has a legal document that guarantees repayment, while the borrower gains access to funds that can be used for various operational needs, such as purchasing inventory or financing new projects.From an accounting perspective, notes payable are recorded as liabilities on the balance sheet. This means that they represent an obligation that the company must fulfill in the future. It is essential for businesses to keep track of their notes payable, as failure to repay these debts can lead to serious financial consequences, including damage to the company's credit rating and potential legal action from creditors.Furthermore, the management of notes payable is critical for maintaining a healthy cash flow. Companies must ensure that they have sufficient funds available to meet their obligations when they come due. This involves careful planning and forecasting to avoid cash shortages that could jeopardize operations. In some cases, businesses may choose to refinance their notes payable by taking out new loans to pay off existing ones, which can provide temporary relief but may also lead to increased debt in the long run.In addition to their role in financing, notes payable can also impact a company's financial ratios and overall financial health. For example, a high level of notes payable relative to assets may indicate that a company is over-leveraged, which can deter potential investors and lenders. On the other hand, a manageable level of notes payable can signal to stakeholders that a company is effectively utilizing debt to fuel growth while maintaining control over its financial obligations.In conclusion, notes payable are an essential component of corporate finance that requires careful consideration and management. Understanding what notes payable entails, how it affects financial statements, and the implications for cash flow management is vital for anyone involved in business operations. By effectively managing notes payable, companies can ensure they have the necessary resources to thrive while minimizing the risks associated with borrowing. As the business landscape continues to evolve, the importance of mastering financial terminology like notes payable cannot be overstated, as it lays the groundwork for informed decision-making and sustainable growth.

在金融和会计的世界中，理解各种术语及其影响对个人和企业来说至关重要。在财务报表中，经常出现的一个术语是应付票据，它指的是在未来某个日期支付特定金额的书面承诺。这种金融工具通常被公司用来从贷方那里获得贷款或信用，使它们能够有效地管理现金流。应付票据可以是短期的或长期的，具体取决于借款人与贷方之间达成的还款条款。当一家公司发行应付票据时，它本质上是在进入一项正式协议，该协议概述了贷款金额、利率、还款计划和到期日。这项协议对双方都有好处；贷方拥有一份法律文件，保证了还款，而借款人则获得了可用于各种运营需求的资金，例如购买库存或融资新项目。从会计的角度来看，应付票据作为负债记录在资产负债表上。这意味着它们代表着公司必须在未来履行的义务。企业必须密切关注其应付票据，因为未能偿还这些债务可能会导致严重的财务后果，包括损害公司的信用评级和潜在的法律诉讼。此外，管理应付票据对于维持健康的现金流至关重要。公司必须确保在到期时有足够的资金可用来满足其义务。这涉及到仔细的规划和预测，以避免可能危及运营的现金短缺。在某些情况下，企业可能会选择通过借取新贷款来偿还现有的应付票据来进行再融资，这可以提供暂时的缓解，但也可能导致长期的债务增加。除了在融资中的作用外，应付票据还会影响公司的财务比率和整体财务健康。例如，较高的应付票据与资产的比例可能表明公司负债过高，这可能会使潜在投资者和贷方望而却步。另一方面，适度的应付票据水平可以向利益相关者发出信号，表明公司正在有效利用债务来促进增长，同时控制其财务义务。总之，应付票据是公司财务的重要组成部分，需要仔细考虑和管理。理解应付票据的含义、它如何影响财务报表以及对现金流管理的影响，对于任何参与企业运营的人来说都是至关重要的。通过有效管理应付票据，公司可以确保拥有必要的资源来蓬勃发展，同时将借贷相关的风险降到最低。随着商业环境的不断演变，掌握像应付票据这样的金融术语的重要性不容小觑，因为这为明智的决策和可持续的增长奠定了基础。