clearing balance

简明释义

结算余额

英英释义

例句

1.The clearing balance reflects the funds available for withdrawal.

该清算余额反映了可提取的资金。

2.After the check clears, your clearing balance will increase.

支票结算后，您的清算余额将增加。

3.You need to maintain a minimum clearing balance to avoid monthly fees.

您需要保持最低的清算余额以避免每月收费。

4.Make sure to check your clearing balance before making any large purchases.

在进行任何大额购买之前，请务必检查您的清算余额。

5.The bank will update your clearing balance after all transactions are processed.

银行将在所有交易处理后更新您的清算余额。

作文

In the world of finance and banking, terms like clearing balance play a crucial role in understanding how transactions are processed and settled. The clearing balance refers to the amount of money that is required to be maintained in an account to cover any pending transactions that are yet to be cleared. This concept is particularly important for businesses and individuals who engage in frequent transactions, as it helps them manage their cash flow effectively.When a transaction occurs, such as a payment made by a customer or a withdrawal from an account, it does not settle immediately. Instead, it goes through a process known as clearing, where the transaction is verified and funds are transferred between banks. During this period, the clearing balance acts as a safeguard to ensure that there are sufficient funds available to cover these pending transactions.For instance, consider a small business that regularly receives payments from clients. If the business has a clearing balance of $1,000 in its account, it means that this amount is set aside to accommodate any outstanding payments that have not yet been processed. If a client makes a payment of $500, the clearing balance will temporarily decrease to $500 until the payment is fully cleared. This ensures that the business does not overdraw its account during the clearing period, which could result in overdraft fees or penalties.Moreover, maintaining an adequate clearing balance is essential for financial planning. Businesses must anticipate their cash flow needs and ensure they have enough funds to cover both expected and unexpected expenses. By monitoring their clearing balance, they can avoid potential cash shortfalls that could disrupt operations or lead to missed opportunities.In addition to businesses, individuals also need to be aware of their clearing balance. For example, if someone writes a check for $200 but has only $150 available in their account, the clearing balance becomes critical. If the check is cashed before the individual has time to deposit more funds, it could lead to an overdraft situation. Therefore, understanding how the clearing balance works can help individuals manage their personal finances more effectively.In conclusion, the term clearing balance is integral to the functioning of financial transactions. It represents the funds set aside to cover pending transactions and plays a vital role in ensuring that accounts remain in good standing. Both businesses and individuals can benefit from understanding and managing their clearing balance to maintain financial stability and avoid unnecessary fees. By keeping track of their clearing balance, they can navigate the complexities of financial transactions with confidence and ease.

在金融和银行的世界中，像清算余额这样的术语在理解交易如何处理和结算方面发挥着至关重要的作用。清算余额指的是账户中需要保持的金额，以覆盖尚未清算的任何待处理交易。这个概念对于经常进行交易的企业和个人尤其重要，因为它帮助他们有效管理现金流。当发生交易时，例如客户付款或从账户中提款，这笔交易不会立即结算。相反，它会经历一个称为清算的过程，在此过程中，交易会被验证，并且资金在银行之间转移。在此期间，清算余额作为一种保障，确保有足够的资金可用来覆盖这些待处理交易。例如，考虑一家定期从客户那里收到付款的小型企业。如果该企业在其账户中保持清算余额为1000美元，这意味着这笔金额被留出以适应尚未处理的任何未结付款。如果客户支付500美元，则清算余额将暂时减少到500美元，直到付款完全清算。这确保企业在清算期间不会透支其账户，否则可能会导致透支费用或罚款。此外，维持适当的清算余额对财务规划至关重要。企业必须预见其现金流需求，并确保有足够的资金来覆盖预期和意外费用。通过监控其清算余额，他们可以避免潜在的现金短缺，这可能会干扰运营或导致错失机会。除了企业，个人也需要了解他们的清算余额。例如，如果某人开出一张200美元的支票，但其账户中只有150美元可用，那么清算余额变得至关重要。如果支票在个人有时间存入更多资金之前被兑现，这可能会导致透支情况。因此，了解清算余额的运作方式可以帮助个人更有效地管理个人财务。总之，术语清算余额是金融交易功能的组成部分。它代表了为覆盖待处理交易而留出的资金，并在确保账户保持良好状态方面发挥着至关重要的作用。企业和个人都可以通过理解和管理其清算余额来维护财务稳定，避免不必要的费用。通过跟踪他们的清算余额，他们可以自信而轻松地驾驭金融交易的复杂性。