debit balance

简明释义

借差,借方差额

英英释义

例句

1.The accountant explained that a debit balance indicates that the expenses exceed the income.

会计解释说，借方余额表示支出超过收入。

2.The customer was surprised to find a debit balance on their account after the transaction.

客户在交易后惊讶地发现他们的账户上有一个借方余额。

3.To avoid overdraft fees, I always keep track of my debit balance regularly.

为了避免透支费用，我总是定期跟踪我的借方余额。

4.After reviewing my bank statement, I noticed a debit balance of $200 that I need to address.

在查看我的银行对账单后，我注意到有一个借方余额为200美元需要处理。

5.If your debit balance is negative, it means you owe money to the bank.

如果你的借方余额为负数，这意味着你欠银行钱。

作文

Understanding financial terminology is crucial for anyone looking to manage their personal finances effectively. One term that often comes up in accounting and banking is debit balance. A debit balance refers to a situation where the total amount of debits in an account exceeds the total amount of credits. This can happen in various types of accounts, including checking accounts, credit accounts, and even investment accounts. When you have a debit balance, it indicates that you owe money or that your account is in the negative. For example, consider a checking account. If you have $500 in your account and you write a check for $600, your account will reflect a debit balance of -$100. This means you have overspent by $100, and the bank may charge you an overdraft fee for this transaction. Understanding how debit balances work is essential because it helps individuals avoid unnecessary fees and maintain a healthy financial status.In business accounting, a debit balance can also indicate that a company has more expenses than revenues at a given time. For instance, if a company incurs expenses of $10,000 but only earns $8,000 in revenue during a specific period, it will show a debit balance of $2,000. This situation can be concerning for business owners as it reflects a temporary loss, and they must find ways to increase revenue or reduce expenses to restore financial health.Moreover, having a debit balance can impact credit scores. Financial institutions view accounts with negative balances as a risk, which can lead to lower credit scores. Therefore, it is vital for individuals and businesses alike to monitor their accounts regularly. Keeping track of transactions and understanding when a debit balance occurs can prevent financial distress.In conclusion, the term debit balance is an important concept in both personal and business finance. It signifies a state of owing money, whether in a personal checking account or a business's financial records. By understanding what a debit balance means and how it affects one’s financial health, individuals and business owners can make informed decisions that promote better financial management. Regular monitoring of accounts and maintaining a positive balance is key to avoiding the pitfalls associated with debit balances.

理解财务术语对于任何希望有效管理个人财务的人来说都是至关重要的。一个经常出现在会计和银行中的术语是借方余额。借方余额指的是账户中借方总额超过贷方总额的情况。这种情况可以发生在各种类型的账户中，包括支票账户、信用账户甚至投资账户。当你有借方余额时，这表明你欠钱或者你的账户处于负数状态。例如，考虑一个支票账户。如果你账户中有500美元，而你开了一张600美元的支票，你的账户将显示借方余额为-100美元。这意味着你超支了100美元，银行可能会对这笔交易收取透支费用。理解借方余额的运作方式是至关重要的，因为它帮助个人避免不必要的费用，并保持健康的财务状况。在企业会计中，借方余额也可以表示公司在某一时刻的支出超过收入。例如，如果一家公司在特定期间内的支出为10,000美元，但仅获得8,000美元的收入，那么它将在财务报表上显示借方余额为2,000美元。这种情况对企业主来说可能令人担忧，因为它反映了暂时的损失，他们必须找到增加收入或减少支出的方法，以恢复财务健康。此外，拥有借方余额可能会影响信用评分。金融机构将负余额账户视为风险，这可能导致信用评分降低。因此，个人和企业都必须定期监控他们的账户。跟踪交易并理解何时出现借方余额可以防止财务困境。总之，借方余额这一术语在个人和商业财务中都是一个重要概念。它表示一种欠款状态，无论是在个人支票账户还是企业的财务记录中。通过理解借方余额的含义及其对财务健康的影响，个人和企业主可以做出明智的决策，从而促进更好的财务管理。定期监控账户并保持正余额是避免与借方余额相关的陷阱的关键。