balance of clearing

简明释义

汇划结算余额

英英释义

例句

1.The bank reported a positive balance of clearing 清算余额 at the end of the month, indicating healthy financial operations.

银行在月底报告了一个正的balance of clearing 清算余额，这表明财务运作健康。

2.During the audit, the team focused on the balance of clearing 清算余额 to ensure all transactions were accounted for.

在审计过程中，团队专注于balance of clearing 清算余额以确保所有交易都被记录。

3.A negative balance of clearing 清算余额 can indicate issues with cash flow management.

负的balance of clearing 清算余额可能表明现金流管理存在问题。

4.The accountant needs to verify the balance of clearing 清算余额 before preparing the financial statements.

会计需要在准备财务报表之前核实balance of clearing 清算余额。

5.After reconciling the accounts, we found that the balance of clearing 清算余额 was higher than expected.

在对账后，我们发现balance of clearing 清算余额高于预期。

作文

In the world of finance and banking, various terms are used to describe specific processes and concepts. One such term is balance of clearing, which plays a crucial role in the settlement of transactions between banks and financial institutions. Understanding this term is essential for anyone involved in the financial sector, as it directly impacts liquidity, credit risk, and overall financial stability.The balance of clearing refers to the net amount that needs to be settled between two or more parties after all transactions have been accounted for. In simpler terms, it is the final figure that determines how much one party owes another after all debits and credits have been processed. This balance is particularly important in interbank transactions, where multiple banks may engage in a series of transactions over a specific period. To illustrate this concept, let’s consider an example involving two banks, Bank A and Bank B. Throughout a given day, Bank A may have conducted several transactions with Bank B, including deposits, withdrawals, and transfers. At the end of the day, both banks will calculate their respective transactions to determine the balance of clearing. If Bank A has a total of $100,000 in debits and $80,000 in credits from transactions with Bank B, the balance of clearing would indicate that Bank A owes Bank B $20,000.This process of clearing balances is vital because it helps maintain the integrity of the financial system. By ensuring that all transactions are settled accurately, banks can manage their liquidity more effectively. Liquidity is the ability of a bank to meet its short-term obligations, and a clear understanding of the balance of clearing helps banks avoid situations where they might face unexpected cash shortages.Moreover, the balance of clearing is also essential for risk management. Banks must assess the creditworthiness of their counterparties to ensure that they can recover the amounts owed to them. If a bank does not have a reliable system for calculating and managing its clearing balances, it could expose itself to significant credit risk, potentially leading to financial losses.In addition to its importance in daily banking operations, the balance of clearing also has implications for regulatory compliance. Financial regulators often require banks to maintain certain capital reserves based on their clearing balances. This requirement ensures that banks are adequately capitalized to handle any potential losses arising from unsettled transactions. Therefore, a thorough understanding of the balance of clearing is not only beneficial for operational efficiency but also necessary for compliance with regulatory standards.In conclusion, the term balance of clearing encapsulates a fundamental aspect of financial transactions between banks. By accurately calculating the net amounts owed after all transactions have been processed, banks can effectively manage liquidity, mitigate credit risks, and comply with regulatory requirements. As the financial landscape continues to evolve, the significance of understanding the balance of clearing will remain paramount for professionals in the industry, ensuring the stability and efficiency of the financial system as a whole.

在金融和银行的世界中，使用各种术语来描述特定的过程和概念。其中一个术语是清算余额，它在银行和金融机构之间交易结算中发挥着至关重要的作用。理解这个术语对于任何参与金融行业的人来说都是必不可少的，因为它直接影响流动性、信用风险和整体金融稳定性。清算余额指的是在所有交易被计算后，两个或多个当事方之间需要结算的净金额。简单来说，它是确定一方在所有借记和贷记处理后欠另一方多少的最终数字。这个余额在银行间交易中特别重要，因为多个银行可能会在特定时间内进行一系列交易。为了说明这一概念，让我们考虑一个涉及两家银行的例子：银行A和银行B。在某一天，银行A可能与银行B进行了多笔交易，包括存款、取款和转账。在一天结束时，两家银行将计算各自的交易，以确定清算余额。如果银行A在与银行B的交易中总共有100,000美元的借记和80,000美元的贷记，那么清算余额将表明银行A欠银行B 20,000美元。清算余额的这一过程至关重要，因为它有助于维护金融系统的完整性。通过确保所有交易都得到准确结算，银行可以更有效地管理其流动性。流动性是指银行满足短期义务的能力，而对清算余额的清晰理解可以帮助银行避免面临意外现金短缺的情况。此外，清算余额对于风险管理也至关重要。银行必须评估其交易对手的信用worthiness，以确保它们能够收回欠款。如果一家银行没有可靠的系统来计算和管理其清算余额，它可能会面临显著的信用风险，从而导致财务损失。除了在日常银行业务中的重要性外，清算余额还对合规性产生影响。金融监管机构通常要求银行根据其清算余额保持一定的资本储备。这一要求确保银行有足够的资本来应对未结交易可能带来的任何潜在损失。因此，全面理解清算余额不仅对运营效率有益，而且对遵守监管标准也是必要的。总之，术语清算余额概括了银行之间金融交易的基本方面。通过准确计算在所有交易处理后所欠的净金额，银行可以有效地管理流动性、降低信用风险并遵守监管要求。随着金融环境的不断发展，理解清算余额的重要性将继续成为行业专业人士的首要任务，确保金融系统整体的稳定性和效率。