borrowed money; borrowed funds

简明释义

借入资金

英英释义

例句

1.She took out a loan, which is essentially borrowed money, to start her own business.

她申请了一笔贷款，这基本上是借来的钱，以便开办自己的公司。

2.The company used borrowed funds to expand its operations and hire more employees.

该公司利用借来的资金扩大其运营并雇佣更多员工。

3.Many students rely on borrowed money to pay for their education, which can lead to significant debt after graduation.

许多学生依靠借来的钱来支付他们的教育费用，这可能导致毕业后背负巨额债务。

4.Investing in real estate often requires borrowed funds to cover the initial costs.

投资房地产通常需要借来的资金来支付初始成本。

5.It's important to manage borrowed money wisely to avoid falling into financial trouble.

明智地管理借来的钱非常重要，以避免陷入财务困境。

作文

In today's fast-paced world, financial management has become a crucial aspect of both personal and business life. One of the key components of effective financial management is understanding how to utilize borrowed money (借款) wisely. Whether it's for purchasing a home, starting a new business, or managing unexpected expenses, the ability to access borrowed funds (借入资金) can significantly impact one's financial stability and growth.When individuals or businesses seek borrowed money, they often turn to banks and financial institutions. These entities provide loans that can be used for various purposes. However, it is essential to understand the terms and conditions associated with these loans. Interest rates, repayment schedules, and potential penalties for late payments all play a significant role in determining whether borrowing is a viable option.For many, borrowed funds can serve as a lifeline during challenging times. For example, a small business owner may need to secure a loan to keep operations running during a slow season. By effectively managing this borrowed money, the business can maintain its workforce and continue to serve its customers. However, it is vital to ensure that the projected income from the business will cover the loan repayments; otherwise, the debt can spiral out of control.On a personal level, individuals often rely on borrowed funds to finance significant life events, such as buying a car or financing education. While these investments can lead to future benefits, they can also lead to financial strain if not managed properly. It is crucial for borrowers to create a budget that includes their loan repayments, ensuring that they do not overextend themselves financially. Moreover, understanding the difference between good debt and bad debt is vital when dealing with borrowed money. Good debt is typically considered an investment that will generate income or appreciate over time, such as a mortgage or student loans. On the other hand, bad debt often involves borrowing for non-essential items that do not offer a return on investment, like credit card debt for luxury purchases. Knowing how to distinguish between these types of debt can help individuals make more informed decisions regarding borrowed funds.In conclusion, while borrowed money and borrowed funds can provide opportunities for growth and stability, they also come with risks that must be managed carefully. It is essential for borrowers to educate themselves about the implications of taking on debt, create realistic budgets, and strive to differentiate between good and bad debt. By doing so, they can harness the power of borrowed money to achieve their financial goals without falling into the traps of excessive debt. With proper planning and management, borrowed funds can be a valuable tool in anyone's financial toolkit.

在当今快节奏的世界中，财务管理已成为个人和商业生活中至关重要的方面。有效财务管理的关键组成部分之一是明智地利用借款。无论是购买房屋、创业还是应对意外开支，获取借入资金的能力都可以显著影响一个人的财务稳定和增长。当个人或企业寻求借款时，他们通常会向银行和金融机构求助。这些机构提供可用于各种目的的贷款。然而，了解这些贷款的条款和条件至关重要。利率、还款计划以及逾期付款的潜在罚款在确定借款是否可行方面都起着重要作用。对于许多人来说，借入资金可以在困难时期提供生命线。例如，一位小企业主可能需要获得贷款以在淡季维持运营。通过有效管理这笔借款，企业可以保持其员工并继续为客户服务。然而，确保企业的预期收入能够覆盖贷款还款是至关重要的；否则，债务可能失控。在个人层面上，个人通常依赖于借入资金来资助重大生活事件，例如购车或教育融资。尽管这些投资可以带来未来的好处，但如果管理不当，也可能导致财务压力。借款人必须制定包括贷款还款的预算，以确保他们不会在财务上超出自己的能力。此外，了解良性债务与恶性债务之间的区别在处理借款时至关重要。良性债务通常被视为将产生收入或随时间增值的投资，例如抵押贷款或学生贷款。另一方面，恶性债务通常涉及为不必要的物品借款，这些物品不会带来投资回报，例如用于奢侈品消费的信用卡债务。知道如何区分这些类型的债务可以帮助个人在涉及借入资金时做出更明智的决策。总之，尽管借款和借入资金可以为增长和稳定提供机会，但它们也伴随着必须谨慎管理的风险。借款人必须教育自己关于承担债务的影响，制定现实的预算，并努力区分良性债务与恶性债务。通过这样做，他们可以利用借款的力量实现财务目标，而不会陷入过度债务的陷阱。通过适当的规划和管理，借入资金可以成为任何人财务工具箱中的宝贵工具。