short term debt

简明释义

短期债务

英英释义

例句

1.Investors are concerned about the rising levels of short term debt in the market.

投资者对市场中上升的短期债务水平感到担忧。

2.A high level of short term debt can indicate financial instability.

高水平的短期债务可能表明财务不稳定。

3.To manage short term debt, businesses often take out lines of credit.

为了管理短期债务，企业通常会申请信用额度。

4.The startup relied heavily on short term debt to fund its initial operations.

这家初创公司在很大程度上依赖短期债务来资助其初始运营。

5.The company needs to refinance its short term debt to avoid cash flow problems.

公司需要重新融资其短期债务以避免现金流问题。

作文

Understanding financial terms is crucial for anyone looking to manage their finances effectively. One such term that often comes up in discussions about personal and business finance is short term debt. This refers to any financial obligation that is due to be paid within a year. Common examples include credit card balances, personal loans, and certain types of business loans. The importance of understanding short term debt lies in its impact on cash flow and overall financial health.When individuals or businesses take on short term debt, they are essentially borrowing money with the expectation of repaying it quickly. This type of debt can be beneficial in situations where immediate cash is needed, such as covering unexpected expenses or funding temporary operational costs. However, it also comes with risks, especially if the borrower does not have a solid plan for repayment. High-interest rates associated with short term debt can lead to a cycle of borrowing that is difficult to escape, resulting in financial strain.For businesses, managing short term debt effectively is essential for maintaining liquidity. Companies often rely on this type of debt to finance day-to-day operations. For example, a retail store may use short term debt to purchase inventory before the busy holiday season. If sales do not meet expectations, the business may struggle to repay the debt, potentially leading to insolvency. Therefore, it is critical for businesses to forecast their cash flow accurately and ensure they can meet their debt obligations.On a personal level, individuals should be cautious when accumulating short term debt. While it can provide necessary funds in emergencies, relying too heavily on credit cards or personal loans can lead to financial instability. It is advisable to create a budget that includes debt repayment plans to avoid falling into debt traps. Understanding the terms and conditions of any short term debt is also vital; borrowers should be aware of interest rates, fees, and repayment schedules to make informed decisions.In conclusion, short term debt plays a significant role in both personal and business finance. While it can offer quick access to funds, it is important to approach it with caution. Proper management and understanding of this type of debt can help individuals and businesses maintain financial health and avoid the pitfalls associated with high-interest borrowing. By being informed and strategic about short term debt, one can navigate the complexities of financial obligations and work towards achieving greater financial stability and success.

理解金融术语对于任何希望有效管理财务的人来说都是至关重要的。其中一个在个人和商业财务讨论中经常出现的术语是短期债务。这指的是在一年内到期需要偿还的任何财务义务。常见的例子包括信用卡余额、个人贷款和某些类型的商业贷款。理解短期债务的重要性在于它对现金流和整体财务健康的影响。当个人或企业承担短期债务时，他们实际上是在借钱，并期望快速偿还。这种类型的债务在需要立即现金的情况下是有益的，例如覆盖意外支出或资助临时运营成本。然而，它也伴随着风险，尤其是当借款人没有良好的偿还计划时。与短期债务相关的高利率可能导致难以摆脱的借贷循环，从而造成财务压力。对于企业而言，有效管理短期债务对维持流动性至关重要。公司通常依赖这种类型的债务来资助日常运营。例如，一家零售店可能会利用短期债务在繁忙的假日季节之前购买库存。如果销售未达到预期，该企业可能会面临偿还债务的困难，可能导致破产。因此，企业准确预测现金流，确保能够履行债务义务至关重要。在个人层面上，个人在积累短期债务时应保持谨慎。虽然它可以在紧急情况下提供必要的资金，但过度依赖信用卡或个人贷款可能导致财务不稳定。建议制定包括债务偿还计划的预算，以避免陷入债务陷阱。了解任何短期债务的条款和条件也至关重要；借款人应该了解利率、费用和还款计划，以做出明智的决策。总之，短期债务在个人和商业财务中发挥着重要作用。虽然它可以快速获取资金，但重要的是要谨慎对待。妥善管理和理解这种类型的债务可以帮助个人和企业保持财务健康，避免与高利率借贷相关的陷阱。通过了解和战略性地处理短期债务，人们可以驾驭财务义务的复杂性，努力实现更大的财务稳定和成功。