average monthly balance

简明释义

平均月末余额

英英释义

例句

1.Your average monthly balance 平均月余额 will affect your eligibility for a premium credit card.

您的平均月余额 平均月余额将影响您获得高级信用卡的资格。

2.To avoid monthly fees, you need to maintain an average monthly balance 平均月余额 of at least $1,500 in your checking account.

为了避免每月费用，您需要在您的支票账户中保持至少 $1,500 的平均月余额 平均月余额。

3.I checked my average monthly balance 平均月余额 and realized I need to save more.

我查看了我的平均月余额 平均月余额，意识到我需要多存一些钱。

4.The bank offers rewards based on your average monthly balance 平均月余额 in your account.

银行根据您账户中的平均月余额 平均月余额提供奖励。

5.The bank calculates the average monthly balance 平均月余额 to determine your interest rate for savings accounts.

银行计算平均月余额 平均月余额以确定您储蓄账户的利率。

作文

Understanding financial terms is crucial for managing personal finances effectively. One such term that often comes up in banking and finance discussions is average monthly balance. The average monthly balance refers to the average amount of money that is held in an account over a month. This figure is significant for both individuals and businesses as it can influence various aspects of their financial management, including interest rates, fees, and eligibility for loans.To calculate the average monthly balance, one must add the daily balances of the account for each day of the month and then divide that total by the number of days in the month. For example, if a person has a bank account with varying balances throughout the month, they would need to track the balance every day. If the balances were $1000 for the first ten days, $1500 for the next ten days, and $2000 for the last ten days, the calculation would be as follows:(1000*10 + 1500*10 + 2000*10) / 30 = (10000 + 15000 + 20000) / 30 = 45000 / 30 = 1500.Thus, the average monthly balance for that month would be $1500.The average monthly balance is not just a number; it plays a vital role in determining how much interest a person might earn on their savings or how much they might have to pay in fees. Many banks offer higher interest rates for accounts that maintain a higher average monthly balance. Conversely, some banks may charge maintenance fees if the average monthly balance falls below a certain threshold. Therefore, understanding this term can help individuals make informed decisions about their banking options.Moreover, businesses also rely on the concept of average monthly balance to ensure they maintain sufficient funds for operational expenses. For companies, keeping track of their average monthly balance is essential for cash flow management. A healthy average monthly balance indicates that a business is well-capitalized and can meet its short-term obligations without difficulty.In addition to its practical applications, the average monthly balance can also serve as a benchmark for financial health. Individuals and businesses alike should regularly review their average monthly balance to assess their financial stability. A declining average monthly balance could signal potential financial troubles, prompting the need for budget adjustments or spending cuts.In conclusion, the term average monthly balance is a fundamental concept in personal and business finance. It provides insight into account management and serves as a key indicator of financial health. By understanding how to calculate and interpret the average monthly balance, individuals and businesses can make better financial decisions, optimize their banking relationships, and ultimately achieve their financial goals. Keeping a close eye on the average monthly balance can lead to improved savings, reduced fees, and a more secure financial future.

理解金融术语对于有效管理个人财务至关重要。其中一个常常出现在银行和金融讨论中的术语是平均月余额。平均月余额指的是一个账户在一个月内持有的平均金额。这个数字对个人和企业都很重要，因为它可以影响他们财务管理的各个方面，包括利率、费用和贷款资格。要计算平均月余额，必须将一个月内每天的账户余额相加，然后除以该月的天数。例如，如果一个人有一个银行账户，在一个月内的余额有所不同，他们需要每天跟踪余额。如果前十天余额为$1000，接下来的十天为$1500，最后十天为$2000，则计算如下：(1000*10 + 1500*10 + 2000*10) / 30 = (10000 + 15000 + 20000) / 30 = 45000 / 30 = 1500。因此，该月份的平均月余额将为$1500。平均月余额不仅仅是一个数字；它在决定一个人可能在储蓄中赚取多少利息或他们可能需要支付多少费用方面发挥着至关重要的作用。许多银行对维持较高平均月余额的账户提供更高的利率。相反，如果平均月余额低于某个阈值，一些银行可能会收取维护费用。因此，理解这个术语可以帮助个人做出明智的银行选择。此外，企业也依赖于平均月余额的概念，以确保他们保持足够的资金来支付运营费用。对于公司来说，跟踪自己的平均月余额对于现金流管理至关重要。健康的平均月余额表明企业资本充足，可以轻松满足短期义务。除了其实际应用外，平均月余额还可以作为财务健康的基准。个人和企业都应定期检查他们的平均月余额，以评估他们的财务稳定性。下降的平均月余额可能预示着潜在的财务问题，促使需要进行预算调整或削减开支。总之，平均月余额这一术语是个人和商业金融中的基本概念。它提供了账户管理的洞察，并作为财务健康的关键指标。通过理解如何计算和解释平均月余额，个人和企业可以做出更好的财务决策，优化他们的银行关系，并最终实现他们的财务目标。密切关注平均月余额可以改善储蓄、减少费用，并实现更安全的财务未来。