average daily balance

简明释义

平均每日余额

英英释义

例句

1.Your credit card company will review your average daily balance 平均每日余额 to determine your credit limit.

信用卡公司将审查您的平均每日余额 average daily balance 来确定您的信用额度。

2.The savings account offers a higher interest rate if your average daily balance 平均每日余额 exceeds $5,000.

如果您的平均每日余额 average daily balance 超过$5,000，储蓄账户将提供更高的利率。

3.Investors often look at the average daily balance 平均每日余额 of their accounts to assess performance.

投资者通常查看他们账户的平均每日余额 average daily balance 来评估表现。

4.The bank calculates interest based on your average daily balance 平均每日余额 for the month.

银行根据您本月的平均每日余额 average daily balance 来计算利息。

5.To avoid fees, maintain an average daily balance 平均每日余额 of at least $1,000.

为了避免费用，保持至少$1,000的平均每日余额 average daily balance。

作文

Understanding financial concepts is crucial for effective money management. One important term in personal finance is the average daily balance, which refers to the average amount of money held in an account over a specific period, typically calculated daily. This metric is particularly significant for individuals who want to monitor their spending habits and maintain a healthy financial status. By calculating the average daily balance, account holders can gain insights into their cash flow and make informed decisions about saving and investing. To calculate the average daily balance, one must first track the daily balances of the account for a given month. For instance, if the balance fluctuates throughout the month due to deposits and withdrawals, the total daily balances are summed up and then divided by the number of days in the month. This calculation provides a clear picture of how much money was, on average, available in the account each day. Understanding this concept helps individuals recognize patterns in their spending and identify areas where they can cut back. For example, consider a person who frequently withdraws cash for daily expenses. By reviewing their average daily balance, they might realize that their spending habits are leading to a lower balance than they would prefer. This realization could prompt them to create a budget or find alternative ways to manage their expenses more effectively. Furthermore, many banks use the average daily balance to determine interest rates on savings accounts. A higher average daily balance often results in better interest rates, encouraging individuals to maintain a higher balance in their accounts. In addition to personal finance, the average daily balance is also relevant for businesses. Companies often use this metric to assess their liquidity and overall financial health. By analyzing the average daily balance of their business accounts, owners can make strategic decisions regarding investments, expenditures, and savings. For instance, if a business notices a consistently low average daily balance, it may indicate that cash flow issues need to be addressed, prompting the owner to explore new revenue streams or reduce unnecessary expenses. The importance of understanding the average daily balance extends beyond just individual and business finances; it also plays a role in credit assessments. Lenders often review the average daily balance of potential borrowers to evaluate their creditworthiness. A stable and sufficient average daily balance can enhance a borrower’s chances of securing loans with favorable terms. Therefore, maintaining a healthy average daily balance is essential not only for personal finance but also for future financial opportunities. In conclusion, the concept of average daily balance is fundamental for anyone looking to achieve financial stability. It allows individuals and businesses to track their financial health, make informed decisions, and plan for the future. By understanding and utilizing the average daily balance, one can develop better budgeting practices, improve savings strategies, and ultimately enhance overall financial well-being. Whether you are managing personal finances or running a business, keeping an eye on your average daily balance can lead to smarter financial choices and a more secure financial future.

理解财务概念对有效的资金管理至关重要。其中一个重要的个人财务术语是平均每日余额，它指的是在特定时期内（通常按日计算）账户中持有的平均金额。这个指标对于想要监控消费习惯并保持健康财务状况的个人尤为重要。通过计算平均每日余额，账户持有人可以深入了解他们的现金流，并做出明智的储蓄和投资决策。要计算平均每日余额，首先必须跟踪账户在一个月内的每日余额。例如，如果由于存款和取款，余额在一个月内波动，那么将每日余额相加，然后除以该月的天数。这一计算提供了一个清晰的图景，显示出每天账户中平均可用的资金量。理解这一概念有助于个人识别支出模式，并确定可以削减开支的领域。例如，考虑一个经常取现用于日常开支的人。通过查看他们的平均每日余额，他们可能会意识到自己的消费习惯导致余额低于他们所希望的水平。这一认识可能促使他们制定预算或寻找其他有效的支出管理方式。此外，许多银行使用平均每日余额来确定储蓄账户的利率。较高的平均每日余额通常会带来更好的利率，从而鼓励个人在账户中维持较高的余额。除了个人财务外，平均每日余额在企业中也同样相关。公司通常使用这一指标来评估其流动性和整体财务健康状况。通过分析其商业账户的平均每日余额，业主可以就投资、支出和储蓄做出战略决策。例如，如果企业发现平均每日余额持续偏低，这可能表明需要解决现金流问题，从而促使业主探索新的收入来源或减少不必要的开支。理解平均每日余额的重要性不仅限于个人和企业财务，它还在信用评估中发挥着作用。贷方通常会审查潜在借款人的平均每日余额以评估其信用worthiness。稳定且充足的平均每日余额可以提高借款人获得优惠条款贷款的机会。因此，保持健康的平均每日余额对于个人财务和未来的财务机会都是至关重要的。总之，平均每日余额的概念对于任何希望实现财务稳定的人来说都是基础。它使个人和企业能够追踪其财务健康状况，做出明智的决策，并规划未来。通过理解和利用平均每日余额，人们可以制定更好的预算实践，改善储蓄策略，并最终提升整体财务福祉。无论您是在管理个人财务还是经营企业，关注您的平均每日余额都能带来更聪明的财务选择和更安全的财务未来。