charge off

简明释义

列销

英英释义

例句

1.The company had to charge off 注销 some bad debts in their financial report.

公司在财务报告中不得不charge off 注销一些坏账。

2.The bank decided to charge off 注销 the unpaid credit card debt after several attempts to collect.

银行在多次催收后决定charge off 注销未支付的信用卡债务。

3.When a business charges off 注销 a debt, it reflects a loss on their balance sheet.

当企业charges off 注销一笔债务时，会在资产负债表上反映出损失。

4.If your loan goes unpaid for too long, the lender may charge off 注销 the amount.

如果你的贷款长时间未偿还，贷款人可能会charge off 注销该金额。

5.After reviewing her accounts, she found that one of her old debts had been charged off 注销 last year.

在审查她的账户后，她发现她的一笔旧债务去年已被charged off 注销。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term that often comes up is charge off, which refers to a debt that a creditor no longer expects to collect. This situation typically arises when a borrower has failed to make payments for an extended period, usually around six months. When a debt is charge off, it does not mean that the borrower is relieved of their obligation to pay; rather, it indicates that the lender has written off the debt as a loss in their accounting records. For example, imagine a person who has taken out a loan to purchase a car but has fallen behind on payments. After several months of missed payments, the lender may decide to charge off the remaining balance. This action allows the lender to remove the bad debt from their books, which can help improve their financial statements. However, the borrower still owes the money, and the lender may sell the debt to a collection agency, which will then pursue the borrower for payment.Understanding the implications of a charge off is essential for borrowers. A charge off can significantly impact one’s credit score, as it is reported to credit bureaus. This negative mark can remain on a credit report for up to seven years, making it challenging for the borrower to secure new loans or credit during that time. Additionally, even after a charge off, the borrower might still face legal action from collection agencies, which can add further stress and financial burden.On the other hand, lenders also face challenges when dealing with charge offs. Writing off a debt means that they have lost the expected revenue from that account, which can affect their overall profitability. To mitigate this risk, lenders often conduct thorough credit checks before approving loans and may implement stringent repayment plans to encourage timely payments from borrowers.In conclusion, the term charge off represents a significant event in the relationship between borrowers and lenders. It highlights the importance of maintaining good financial habits and understanding the consequences of missed payments. Both parties must navigate the complexities of charge offs carefully, as the repercussions can be long-lasting. For borrowers, being aware of how a charge off can affect their credit and future borrowing potential is vital. On the other hand, lenders must balance the risk of charge offs with the need to extend credit to consumers. Ultimately, clear communication and responsible financial practices can help minimize the occurrence of charge offs and promote a healthier lending environment.

在金融世界中，理解各种术语对于做出明智的决策至关重要。其中一个常见的术语是charge off，指的是债权人不再期望收回的债务。这种情况通常发生在借款人未能在一段时间内（通常约六个月）进行付款时。当债务被charge off时，并不意味着借款人解除还款义务；而是表明贷方已将该债务作为损失在其会计记录中注销。例如，想象一下一个为了购买汽车而贷款的人，但未能按时还款。经过几个月的逾期付款后，贷方可能决定将剩余余额charge off。这一举动使贷方能够从账簿中删除坏账，这有助于改善他们的财务报表。然而，借款人仍然欠款，贷方可能会将债务出售给催收机构，后者将追讨借款人的款项。理解charge off的影响对借款人至关重要。charge off会对信用评分产生重大影响，因为它会被报告给信用局。这个负面标记可能在信用报告上保留长达七年，这使得借款人在此期间很难获得新的贷款或信用。此外，即使在charge off之后，借款人仍可能面临催收机构的法律诉讼，这会增加进一步的压力和财务负担。另一方面，贷方在处理charge offs时也面临挑战。注销债务意味着他们失去了来自该账户的预期收入，这可能会影响他们的整体盈利能力。为了降低这种风险，贷方通常会在批准贷款之前进行彻底的信用检查，并可能实施严格的还款计划，以鼓励借款人及时还款。总之，术语charge off代表了借款人与贷方之间关系中的一个重要事件。它强调了保持良好财务习惯和理解未付款后果的重要性。双方必须小心应对charge offs的复杂性，因为后果可能是长期的。对于借款人来说，了解charge off如何影响他们的信用和未来借款潜力至关重要。另一方面，贷方必须在charge offs的风险与向消费者提供信贷的需求之间取得平衡。最终，清晰的沟通和负责任的财务实践可以帮助减少charge offs的发生，促进更健康的贷款环境。