short-term financing

简明释义

短期通融资金

英英释义

例句

1.Many startups rely on short-term financing to cover initial operational costs.

许多初创企业依赖于短期融资来支付初始运营成本。

2.To bridge the gap between projects, the firm utilized short-term financing options.

为了弥补项目之间的资金缺口，该公司利用了短期融资选项。

3.The business took out a loan as short-term financing to purchase inventory before the sales spike.

该企业申请了一笔贷款作为短期融资，以在销售高峰前购买库存。

4.The company secured short-term financing to manage its cash flow during the holiday season.

公司获得了短期融资以在假日季节管理现金流。

5.Investors are often wary of companies that depend heavily on short-term financing for their operations.

投资者通常对那些严重依赖短期融资进行运营的公司持谨慎态度。

作文

In the world of finance, businesses often face the challenge of managing their cash flow effectively. One of the key solutions to this problem is through the use of short-term financing, which refers to loans or credit facilities that are typically due for repayment within a year. This type of financing is crucial for companies that need immediate access to funds to cover operational costs, purchase inventory, or address unforeseen expenses. 短期融资是指通常在一年内到期的贷款或信用设施，这种融资方式对于需要立即获得资金以支付运营成本、购买库存或应对突发费用的公司至关重要.There are various forms of short-term financing. One common method is the use of lines of credit, which allow businesses to borrow money up to a certain limit and pay interest only on the amount used. This flexibility can be particularly beneficial for seasonal businesses that experience fluctuations in cash flow. Another popular option is commercial paper, which is an unsecured, short-term debt instrument issued by corporations to raise funds quickly. These instruments are usually sold at a discount and redeemed at face value upon maturity, making them an attractive option for large companies with strong credit ratings. 短期融资的各种形式中，一种常见的方法是使用信用额度，允许企业借款直到某个限额，并仅对已使用的金额支付利息.However, while short-term financing can provide immediate relief, it also comes with its risks. The most significant risk is the potential for high-interest rates, which can lead to increased financial burden if not managed properly. Additionally, relying too heavily on short-term financing can create a cycle of debt, where a business continuously borrows to repay previous loans. This scenario can jeopardize the long-term financial health of the company. Therefore, it is essential for businesses to strike a balance between utilizing short-term financing and maintaining a sustainable financial strategy. 短期融资虽然可以提供即时救助，但也伴随着风险，最显著的风险是潜在的高利率，如果管理不当，可能会导致财务负担加重.Moreover, businesses should also consider alternative sources of short-term financing that may offer more favorable terms. For example, invoice financing allows companies to borrow against their outstanding invoices, providing quick access to cash without incurring additional debt. This method can be particularly useful for businesses with long payment cycles, as it helps bridge the gap between invoicing and receiving payments. Another alternative is peer-to-peer lending platforms, which connect borrowers directly with individual lenders, often resulting in lower interest rates compared to traditional financial institutions. 短期融资的替代来源，例如发票融资，可以帮助企业快速获得现金，而无需承担额外的债务.In conclusion, short-term financing plays a vital role in the financial management of businesses, offering a solution to immediate cash flow challenges. However, it is crucial for companies to approach this financing method with caution, ensuring they understand the associated risks and maintain a balanced financial strategy. By exploring various options and considering alternatives, businesses can effectively utilize short-term financing to support their growth and stability. 短期融资在企业财务管理中扮演着重要角色，为解决即时现金流挑战提供了解决方案.