active bad debt

简明释义

活动坏帐

英英释义

例句

1.The audit revealed that the active bad debt 活跃不良债务 was much higher than previously reported.

审计发现，活跃不良债务 active bad debt远高于之前报告的数字。

2.To improve financial health, we need to address our active bad debt 活跃不良债务 immediately.

为了改善财务状况，我们需要立即处理我们的活跃不良债务 active bad debt。

3.Investors are concerned about the rising levels of active bad debt 活跃不良债务 in the portfolio.

投资者对投资组合中日益上升的活跃不良债务 active bad debt表示担忧。

4.Our strategy to reduce active bad debt 活跃不良债务 includes better credit assessments.

我们减少活跃不良债务 active bad debt的策略包括更好的信用评估。

5.The company has been struggling with its active bad debt 活跃不良债务 for several quarters, affecting its cash flow.

该公司在几个季度内一直在与其活跃不良债务 active bad debt作斗争，影响了其现金流。

作文

In the world of finance, the term active bad debt refers to loans or credit that are unlikely to be repaid. This situation arises when borrowers default on their payments, leading lenders to categorize these debts as problematic. Understanding active bad debt is crucial for both financial institutions and individuals, as it affects credit ratings, interest rates, and overall economic health. When a borrower takes out a loan, they enter into a contractual agreement to repay the borrowed amount along with interest over a specified period. However, various factors can lead to the borrower being unable to meet these obligations. Economic downturns, personal financial crises, or even poor financial planning can contribute to the accumulation of active bad debt. For lenders, this type of debt represents a significant risk, as it can lead to substantial financial losses. Financial institutions often have measures in place to manage active bad debt. They may implement stricter lending criteria to minimize the risk of defaults. Additionally, banks and credit unions may set aside reserves to cover potential losses from active bad debt. These reserves act as a safety net, allowing lenders to absorb some of the financial impact of unpaid loans. On an individual level, having active bad debt can severely affect a person's credit score. A low credit score can make it difficult to secure future loans, obtain favorable interest rates, or even rent an apartment. Individuals facing active bad debt should take proactive steps to address the situation. This may include communicating with creditors to negotiate payment plans or seeking financial counseling to better manage their finances. Moreover, understanding the implications of active bad debt is essential for maintaining financial health. It serves as a reminder of the importance of responsible borrowing and the need to assess one's ability to repay before taking on debt. By being aware of the risks associated with borrowing, individuals can make more informed decisions and avoid falling into the trap of active bad debt. In conclusion, active bad debt poses challenges for both lenders and borrowers. It highlights the importance of financial literacy and responsible borrowing practices. By understanding what active bad debt is and how it can impact financial well-being, individuals and institutions can work towards minimizing its occurrence and mitigating its effects. It is crucial to stay informed about one’s financial situation and to seek help when needed to avoid the pitfalls of active bad debt.

在金融领域，术语active bad debt指的是不太可能偿还的贷款或信用。这种情况发生在借款人违约时，导致贷方将这些债务归类为问题债务。理解active bad debt对金融机构和个人都至关重要，因为它影响信用评级、利率和整体经济健康。当借款人获得贷款时，他们进入了一项合同协议，承诺在规定的时间内偿还借款金额及利息。然而，各种因素可能导致借款人无法满足这些义务。经济衰退、个人财务危机甚至糟糕的财务规划都可能导致active bad debt的积累。对于贷方而言，这类债务代表了重大风险，因为它可能导致巨大的财务损失。金融机构通常会采取措施来管理active bad debt。他们可能会实施更严格的贷款标准，以最小化违约风险。此外，银行和信用合作社可能会设置准备金，以覆盖来自active bad debt的潜在损失。这些准备金充当安全网，使贷方能够吸收一些未偿贷款的财务影响。在个人层面上，拥有active bad debt会严重影响一个人的信用评分。低信用评分可能使得未来贷款变得困难，获得优惠利率或甚至租房也变得复杂。面临active bad debt的个人应采取积极措施来解决这种情况。这可能包括与债权人沟通以协商还款计划或寻求财务咨询，以更好地管理他们的财务。此外，理解active bad debt的影响对于维持财务健康至关重要。它提醒我们负责任借贷的重要性，以及在承担债务之前评估自己偿还能力的必要性。通过了解借贷相关的风险，个人可以做出更明智的决策，避免陷入active bad debt的陷阱。总之，active bad debt对贷方和借款人都构成挑战。它突显了金融素养和负责任借贷实践的重要性。通过理解active bad debt是什么以及它如何影响财务健康，个人和机构可以努力减少其发生并减轻其影响。保持对自身财务状况的了解并在需要时寻求帮助，以避免active bad debt的陷阱，是至关重要的。