carrying loan

简明释义

借贷转结

英英释义

例句

1.Investors often look for companies with manageable carrying loan 负担贷款 to minimize risk.

投资者通常寻找拥有可控的carrying loan 负担贷款的公司，以降低风险。

2.Her financial advisor suggested consolidating her carrying loan 负担贷款 to reduce monthly payments.

她的财务顾问建议将她的carrying loan 负担贷款合并，以减少每月还款。

3.Many small businesses struggle with a high carrying loan 负担贷款 that limits their growth potential.

许多小企业面临高额的carrying loan 负担贷款，这限制了它们的增长潜力。

4.The bank assessed his financial status before approving the carrying loan 负担贷款 application.

银行在批准他的carrying loan 负担贷款申请之前评估了他的财务状况。

5.After refinancing, she was relieved to lower her carrying loan 负担贷款 interest rate significantly.

在再融资后，她松了一口气，将她的carrying loan 负担贷款利率大幅降低。

作文

In today's financial landscape, many individuals and businesses find themselves navigating the complexities of debt management. One term that often arises in discussions about financial obligations is carrying loan. A carrying loan refers to a loan that remains outstanding on a borrower's balance sheet, typically accumulating interest over time. Understanding the implications of carrying such a loan is crucial for effective financial planning.When a person takes out a loan, they are essentially borrowing money with the expectation of paying it back, usually with interest. However, not all loans are created equal. Some loans may have favorable terms, while others may carry high-interest rates that can lead to financial strain. This is where the concept of a carrying loan becomes significant. For instance, consider a scenario where an individual has multiple loans, including a mortgage, a personal loan, and credit card debt. If they are unable to pay off these loans promptly, they may end up with a carrying loan situation, where the outstanding balance continues to accrue interest. This can create a cycle of debt that is challenging to escape. Therefore, it is essential for borrowers to keep track of their loans and understand the terms associated with each one.Moreover, businesses also encounter carrying loans as part of their operations. Companies may take out loans to finance expansion, purchase equipment, or manage cash flow. However, if these loans are not managed effectively, they can lead to significant financial burdens. For example, a business might take out a loan to invest in new technology but find itself struggling to meet the monthly payments due to lower-than-expected revenue. In this case, the carrying loan becomes a liability that could jeopardize the company's financial health.To mitigate the risks associated with carrying loans, individuals and businesses should adopt sound financial practices. This includes creating a budget, prioritizing debt repayment, and seeking professional financial advice when necessary. Additionally, exploring options for refinancing or consolidating loans can help reduce interest rates and simplify payment processes.In conclusion, understanding the concept of carrying loan is vital for anyone dealing with debt. Whether it's an individual managing personal finances or a business navigating operational expenses, being aware of the implications of carrying loans can lead to better financial decisions. By taking proactive steps to manage debts effectively, borrowers can minimize the impact of carrying loans and work towards achieving financial stability. Ultimately, knowledge and awareness are key to avoiding the pitfalls of excessive debt and ensuring a secure financial future.

在当今的金融环境中，许多人和企业发现自己在应对债务管理的复杂性时面临挑战。一个经常在有关财务义务的讨论中出现的术语是carry loan。carry loan指的是借款人资产负债表上仍未偿还的贷款，通常会随着时间的推移累积利息。理解持有此类贷款的影响对于有效的财务规划至关重要。当一个人借款时，他们本质上是在借钱，并期望能够偿还，通常还要支付利息。然而，并非所有贷款都是平等的。一些贷款可能具有优惠条款，而另一些则可能承担高利率，这可能导致财务压力。这就是carry loan概念变得重要的地方。例如，考虑一个场景，一个人有多笔贷款，包括抵押贷款、个人贷款和信用卡债务。如果他们无法及时偿还这些贷款，他们可能最终会面临carry loan的情况，未偿还余额继续累积利息。这可能导致一个难以逃脱的债务循环。因此，借款人必须跟踪自己的贷款，并了解与每笔贷款相关的条款。此外，企业在运营中也会遇到carry loan。公司可能会借款来融资扩张、购买设备或管理现金流。然而，如果这些贷款没有得到有效管理，它们可能会导致重大的财务负担。例如，一家公司可能借款投资新技术，但由于收入低于预期而发现自己难以支付每月的还款。在这种情况下，carry loan成为一种可能危及公司财务健康的负债。为了减少与carry loans相关的风险，个人和企业应采取合理的财务实践。这包括制定预算、优先偿还债务以及在必要时寻求专业的财务建议。此外，探索再融资或整合贷款的选项可以帮助降低利率并简化还款流程。总之，理解carry loan的概念对于任何处理债务的人来说都是至关重要的。无论是管理个人财务的个人，还是应对运营费用的企业，了解持有贷款的影响都能促使更好的财务决策。通过采取积极措施有效管理债务，借款人可以最大限度地减少carry loans的影响，并努力实现财务稳定。最终，知识和意识是避免过度债务陷阱的关键，并确保安全的财务未来。