loan ledger

简明释义

借款总帐

英英释义

例句

1.Before approving any new loans, the bank reviews the loan ledger for outstanding balances.

在批准任何新贷款之前，银行会查看贷款分类账以了解未偿还的余额。

2.The accountant updated the loan ledger to reflect the recent payments made by clients.

会计更新了贷款分类账以反映客户最近的付款。

3.At the end of the fiscal year, the company reconciled its loan ledger with the bank statements.

在财政年度结束时，公司将其贷款分类账与银行对账单进行了核对。

4.The loan ledger helps track the repayment history of each borrower.

该贷款分类账帮助跟踪每位借款人的还款历史。

5.She found an error in the loan ledger that needed to be corrected immediately.

她发现贷款分类账中有一个错误，需要立即更正。

作文

In the world of finance and accounting, maintaining accurate records is essential for the smooth operation of any business. One crucial component of these records is the loan ledger, which serves as a detailed account of all loan transactions made by an organization or individual. A loan ledger (贷款分类账) not only tracks the amounts borrowed but also provides insights into the repayment schedules, interest rates, and outstanding balances. This information is vital for both lenders and borrowers to ensure transparency and accountability in their financial dealings.The importance of a loan ledger cannot be overstated. For lenders, it acts as a comprehensive record that helps in monitoring the performance of loans issued. By reviewing the loan ledger regularly, lenders can identify any overdue payments or potential defaults, allowing them to take proactive measures to mitigate risks. Additionally, it aids in assessing the overall health of their loan portfolio, helping them make informed decisions regarding future lending activities.For borrowers, understanding their own loan ledger is equally important. It allows them to keep track of their debts and manage their finances effectively. By reviewing their loan ledger, borrowers can see how much they owe, when payments are due, and how much interest they are accumulating. This awareness can help individuals avoid late fees and maintain a good credit score, which is crucial for securing future loans at favorable terms.Moreover, the loan ledger serves as a historical document that can be beneficial for both parties during audits or financial reviews. In case of disputes or discrepancies, having a well-maintained loan ledger provides a clear trail of transactions, making it easier to resolve issues amicably. This aspect underscores the necessity of accuracy and diligence when managing a loan ledger.Technological advancements have also transformed how loan ledgers are maintained. Traditionally, these ledgers were kept manually, which was time-consuming and prone to errors. However, with the advent of accounting software and digital platforms, organizations can now automate the process of tracking loans. These tools not only enhance accuracy but also provide real-time access to loan information, making it easier for both lenders and borrowers to stay informed.In conclusion, the loan ledger (贷款分类账) is a fundamental aspect of financial management that plays a pivotal role in the relationship between lenders and borrowers. Its ability to provide a detailed account of loan transactions ensures transparency, facilitates effective financial planning, and supports better decision-making. As businesses and individuals continue to navigate the complexities of financial obligations, the significance of maintaining an accurate and up-to-date loan ledger will only grow. Understanding its function and leveraging technology to manage it effectively can lead to more successful financial outcomes for all parties involved.