debt at call

简明释义

即期债务

英英释义

例句

1.The company decided to keep a portion of its funds as debt at call to ensure liquidity for unexpected expenses.

公司决定将一部分资金作为随时可偿还的债务以确保应对意外开支的流动性。

2.The investor was pleased to find debt at call options that provided both security and flexibility.

投资者很高兴找到既安全又灵活的随时可偿还的债务选项。

3.The bank offered a new savings account with a feature that allows customers to convert their savings into debt at call.

银行提供了一种新储蓄账户，允许客户将储蓄转换为随时可偿还的债务。

4.During the financial crisis, many businesses relied on debt at call to manage their cash flow.

在金融危机期间，许多企业依赖于随时可偿还的债务来管理现金流。

5.Investors often look for opportunities in debt at call because they can access their funds quickly.

投资者通常寻找随时可偿还的债务的机会，因为他们可以快速获取资金。

作文

In the world of finance, various terminologies are used to describe different types of financial instruments and obligations. One such term is debt at call, which refers to a type of loan or borrowing that can be demanded for repayment at any time by the lender. This means that the borrower must be prepared to repay the debt immediately upon request. Understanding debt at call is crucial for both lenders and borrowers, as it carries implications for cash flow management and financial planning.To illustrate the concept, consider a business that takes out a short-term loan from a bank. The terms of this loan specify that it is a debt at call, meaning the bank can demand repayment at any moment. This arrangement may benefit the bank because it allows them to manage their liquidity more effectively. However, it places significant pressure on the borrower, who must ensure they have sufficient funds available to settle the debt when required.The flexibility of debt at call can be appealing to some businesses, especially those with fluctuating cash flows. For instance, a seasonal business might rely on this type of debt to cover operational costs during slow periods, knowing that they can repay the loan once revenue increases. However, this arrangement also comes with risks. If the lender demands repayment unexpectedly, the borrower may find themselves in a precarious financial position.Furthermore, debt at call is often associated with higher interest rates compared to traditional loans. Lenders charge these higher rates to compensate for the increased risk they take on by allowing borrowers to access funds with little notice. Consequently, while debt at call can provide immediate liquidity, it can also lead to higher overall borrowing costs.Investors in the money market may also encounter debt at call through instruments like callable bonds. These bonds give the issuer the right to redeem the bonds before their maturity date. Investors must consider the implications of such features when assessing the risks and returns associated with their investments. Callable bonds often offer higher yields to compensate investors for the risk of early redemption.In summary, debt at call is a financial concept that plays a significant role in both personal and corporate finance. It provides flexibility but also introduces risks that must be carefully managed. Borrowers need to maintain a strong cash position to meet potential repayment demands, while lenders must evaluate the creditworthiness of borrowers to mitigate their risks. Ultimately, understanding debt at call is essential for anyone involved in financial decision-making, whether they are managing a business or investing in financial markets.

在金融世界中，各种术语被用来描述不同类型的金融工具和义务。其中一个术语是debt at call，指的是一种贷款或借款，贷方可以随时要求偿还。这意味着借款人必须准备好在请求时立即偿还债务。理解debt at call对贷方和借款人都至关重要，因为它对现金流管理和财务规划有影响。为了说明这一概念，考虑一家从银行获得短期贷款的企业。该贷款的条款规定这是debt at call，这意味着银行可以随时要求偿还。这种安排可能对银行有利，因为它允许他们更有效地管理流动性。然而，这给借款人带来了重大压力，借款人必须确保在需要时有足够的资金来偿还债务。debt at call的灵活性对一些企业具有吸引力，特别是那些现金流波动的企业。例如，一家季节性企业可能依赖这种类型的债务来覆盖淡季的运营成本，知道他们可以在收入增加后偿还贷款。然而，这种安排也带来了风险。如果贷方意外要求偿还，借款人可能会发现自己处于尴尬的财务状况。此外，与传统贷款相比，debt at call通常与更高的利率相关联。贷方收取这些较高的利率，以补偿他们通过允许借款人在没有通知的情况下获取资金所承担的额外风险。因此，虽然debt at call可以提供即时流动性，但也可能导致整体借款成本更高。货币市场中的投资者也可能通过可赎回债券遇到debt at call。这些债券赋予发行人在到期日前赎回债券的权利。投资者在评估与其投资相关的风险和收益时，必须考虑此类特征的影响。可赎回债券通常提供更高的收益，以补偿投资者因提前赎回而面临的风险。总之，debt at call是一个在个人和公司财务中发挥重要作用的金融概念。它提供了灵活性，但也引入了必须谨慎管理的风险。借款人需要保持强劲的现金头寸，以满足潜在的偿还要求，而贷方必须评估借款人的信用worthiness以降低风险。最终，理解debt at call对于任何参与财务决策的人来说都是至关重要的，无论他们是在管理企业还是投资金融市场。