average cleared balance

简明释义

平均结算余额

英英释义

例句

1.You need to maintain an average cleared balance 平均结清余额 of $1,000 to avoid monthly charges.

您需要保持 平均结清余额 average cleared balance 达到$1,000以避免每月收费。

2.The average cleared balance 平均结清余额 is used to assess your eligibility for a loan.

平均结清余额 average cleared balance 被用来评估您获得贷款的资格。

3.The bank calculates the average cleared balance 平均结清余额 to determine your account fees.

银行计算 平均结清余额 average cleared balance 来确定您的账户费用。

4.A higher average cleared balance 平均结清余额 can lead to better interest rates on savings accounts.

更高的 平均结清余额 average cleared balance 可以带来更好的储蓄账户利率。

5.Each month, I check my average cleared balance 平均结清余额 to track my spending habits.

每个月，我检查我的 平均结清余额 average cleared balance 以跟踪我的消费习惯。

作文

Understanding financial terms is crucial for anyone looking to manage their finances effectively. One such term that often comes up in banking and finance is the average cleared balance. This term refers to the average amount of money available in a bank account after all transactions have been processed and cleared over a specific period. It plays a significant role in determining how much interest one can earn on their savings or how much they might be charged in fees. For instance, if a person has a monthly average cleared balance of $1,000 in their savings account, they may be eligible for higher interest rates compared to someone with a lower average cleared balance. Understanding how this figure is calculated can help individuals make informed decisions about their banking options.To calculate the average cleared balance, banks typically take the total cleared balance at the end of each day over a given period, add them together, and then divide by the number of days in that period. This method provides a clear picture of how much money was actually available in the account over time, rather than just a snapshot of the balance at any single moment. For example, if a person’s account had balances of $800, $1,200, and $1,500 over three days, the total would be $3,500. Dividing this by three gives an average cleared balance of approximately $1,166.67.The importance of maintaining a healthy average cleared balance cannot be overstated. Many banks offer various benefits based on this figure, including lower fees, better interest rates, and access to premium services. Therefore, individuals should strive to keep their balances above certain thresholds to maximize the advantages provided by their banks. Additionally, understanding one’s average cleared balance can aid in budgeting and financial planning, as it reflects the funds that are consistently available for expenses, investments, or savings.In conclusion, the average cleared balance is a vital concept in personal finance that can influence the overall financial health of an individual. By keeping track of this figure, individuals can not only improve their relationship with their bank but also enhance their financial literacy. Whether one is saving for a major purchase, planning for retirement, or simply trying to manage day-to-day expenses, understanding and optimizing the average cleared balance can lead to smarter financial decisions and greater financial stability.

理解金融术语对于任何希望有效管理财务的人来说都是至关重要的。一个经常出现在银行和金融中的术语是平均清算余额。这个术语指的是在特定时间段内，所有交易处理并清算后，银行账户中可用资金的平均金额。它在确定一个人可以在储蓄中赚取多少利息或可能会被收取多少费用方面起着重要作用。例如，如果一个人的储蓄账户的月度平均清算余额为1000美元，他们可能有资格获得比拥有较低平均清算余额的人更高的利率。了解这个数字是如何计算的，可以帮助个人做出明智的银行选择。为了计算平均清算余额，银行通常会在给定时期内，将每一天末尾的清算余额总和相加，然后除以该时期的天数。这种方法提供了一个清晰的图景，展示了在一段时间内账户中实际可用的资金，而不仅仅是某一时刻的余额快照。例如，如果一个人的账户在三天内的余额分别为800美元、1200美元和1500美元，总额为3500美元。将其除以三，得到的平均清算余额大约为1166.67美元。保持健康的平均清算余额的重要性不容小觑。许多银行根据这一数字提供各种好处，包括较低的费用、更好的利率和优质服务的访问权限。因此，个人应该努力将他们的余额保持在某些阈值之上，以最大化银行提供的优势。此外，了解自己的平均清算余额可以帮助进行预算和财务规划，因为它反映了可用于支出、投资或储蓄的资金。总之，平均清算余额是个人财务中的一个重要概念，能够影响个人的整体财务健康。通过跟踪这个数字，个人不仅可以改善与银行的关系，还可以提高财务素养。无论一个人是为了重大购买而储蓄、计划退休，还是仅仅试图管理日常开支，理解和优化平均清算余额都能导致更聪明的财务决策和更大的财务稳定。