cash credit

简明释义

保证放款

英英释义

例句

1.With a good credit score, I was able to secure a cash credit 现金信贷 limit of $10,000.

凭借良好的信用评分，我能够获得$10,000的现金信贷 现金信贷 限额。

2.Many businesses rely on cash credit 现金信贷 to maintain their cash flow during slow seasons.

许多企业依靠现金信贷 现金信贷 在淡季维持现金流。

3.The cash credit 现金信贷 option allowed me to make large purchases without immediate payment.

这个现金信贷 现金信贷 选项让我可以在不立即付款的情况下进行大额购买。

4.The bank offered me a cash credit 现金信贷 facility to help manage my expenses.

银行为我提供了一个现金信贷 现金信贷 设施，以帮助管理我的支出。

5.I used my cash credit 现金信贷 to cover unexpected medical expenses.

我使用我的现金信贷 现金信贷 来支付意外的医疗费用。

作文

In today's fast-paced financial world, understanding various banking terms is essential for effective money management. One such term that often arises in discussions about loans and credit is cash credit. This financial instrument plays a significant role in the operations of businesses and individuals alike. To grasp the concept of cash credit, it is important to break down its definition and explore its applications. Cash credit refers to a short-term borrowing facility provided by banks to businesses, allowing them to withdraw funds up to a specified limit against their inventory or receivables. It acts as a revolving credit line, meaning that borrowers can withdraw and repay funds multiple times within the credit limit. This flexibility is particularly advantageous for businesses that experience fluctuating cash flows due to seasonal demands or unexpected expenses.For instance, consider a small manufacturing company that faces a sudden surge in orders during the holiday season. To meet this increased demand, the company may need to purchase additional raw materials. Instead of applying for a traditional loan, which can be time-consuming, the company can utilize its cash credit facility. This allows them to access the necessary funds quickly, ensuring they can fulfill orders on time without disrupting their operations.Moreover, cash credit is not limited to large corporations; small businesses can also benefit from this financial tool. By leveraging their inventory or accounts receivable, small business owners can secure the working capital they need to manage day-to-day operations, invest in growth opportunities, or navigate through challenging financial periods. This accessibility makes cash credit an attractive option for many entrepreneurs.However, it is crucial to approach cash credit with caution. While it provides flexibility and quick access to funds, it can also lead to financial pitfalls if not managed wisely. Borrowers should be aware of the interest rates associated with cash credit facilities, as these can vary significantly depending on the lender and the borrower's creditworthiness. Additionally, excessive reliance on cash credit can result in a cycle of debt, where businesses find themselves constantly borrowing to cover operational costs. Therefore, it is vital for borrowers to maintain a balanced approach to using cash credit and ensure they have a solid repayment plan in place.In conclusion, cash credit serves as a valuable financial tool for both individuals and businesses seeking short-term funding solutions. Its ability to provide quick access to capital makes it an appealing option for those facing temporary cash flow challenges. However, understanding the implications of borrowing and managing debt responsibly is essential to avoid potential financial difficulties. By educating oneself about cash credit and its proper use, borrowers can harness its benefits while minimizing risks, ultimately leading to more effective financial management and business success.

在当今快节奏的金融世界中，理解各种银行术语对于有效的资金管理至关重要。其中一个常常出现在贷款和信用讨论中的术语是现金信用。这一金融工具在企业和个人的运营中都发挥着重要作用。要掌握现金信用的概念，首先需要分解其定义并探讨其应用。现金信用指的是银行为企业提供的一种短期借款设施，允许他们根据库存或应收账款提取不超过指定限额的资金。它充当一种循环信用额度，这意味着借款人可以在信用限额内多次提取和偿还资金。这种灵活性对于由于季节性需求或意外开支而经历现金流波动的企业尤其有利。例如，考虑一家小型制造公司，在假日季节面临订单激增。为了满足这种增加的需求，公司可能需要购买额外的原材料。与其申请传统贷款（这可能耗时较长），公司可以利用其现金信用设施。这使他们能够快速获得所需资金，确保他们能够按时完成订单，而不会干扰他们的运营。此外，现金信用并不仅限于大型企业；小型企业也可以从这一金融工具中受益。通过利用他们的库存或应收账款，小企业主可以获得他们所需的营运资金，以管理日常运营、投资增长机会或应对财务困难。这种可获得性使得现金信用成为许多企业家的吸引选择。然而，谨慎使用现金信用至关重要。虽然它提供了灵活性和快速获取资金的能力，但如果管理不当，也可能导致财务陷阱。借款人应了解与现金信用设施相关的利率，因为这些利率可能因贷方和借款人的信用状况而有所不同。此外，过度依赖现金信用可能导致债务循环，企业发现自己不断借款以覆盖运营成本。因此，借款人必须保持对使用现金信用的平衡方法，并确保他们有一个稳健的偿还计划。总之，现金信用作为一种有价值的金融工具，为寻求短期融资解决方案的个人和企业提供服务。它能够快速获得资本，使其成为那些面临临时现金流挑战者的吸引选项。然而，理解借款的影响并负责任地管理债务对于避免潜在的财务困难至关重要。通过教育自己关于现金信用及其正确使用，借款人可以利用其好处，同时最小化风险，最终实现更有效的财务管理和商业成功。