defer payment

简明释义

推迟支付

英英释义

例句

1.Many students choose to defer payment of their tuition fees until after graduation.

许多学生选择在毕业后再推迟缴纳学费。

2.The contractor agreed to defer payment for 30 days after the project completion.

承包商同意在项目完成后推迟付款30天。

3.Due to financial difficulties, they requested to defer payment on their loan.

由于财务困难，他们请求推迟还款贷款。

4.The company decided to defer payment for the new equipment until next quarter.

公司决定将新设备的付款推迟到下个季度。

5.The supplier allowed us to defer payment for our last shipment due to the pandemic.

由于疫情，供应商允许我们对最后一批货物推迟付款。

作文

In today's fast-paced world, managing finances effectively is crucial for both individuals and businesses. One financial strategy that has gained popularity is the ability to defer payment. This term refers to the practice of postponing a payment to a later date, allowing consumers or companies to manage their cash flow more efficiently. By understanding how to defer payment wisely, individuals and businesses can navigate financial challenges more effectively.For individuals, defer payment options can provide significant relief during times of financial strain. For example, many credit card companies offer promotional periods where payments can be deferred without accruing interest. This means that if someone faces unexpected expenses, such as medical bills or car repairs, they can choose to defer payment on their credit card balance, giving them time to regroup financially. However, it is essential to remember that while this option may provide short-term relief, it can lead to long-term debt if not managed properly.Similarly, businesses often utilize defer payment strategies to maintain liquidity. A common scenario is when a company receives goods or services but does not have immediate cash flow available. By negotiating terms with suppliers that allow them to defer payment, businesses can ensure they have enough working capital to continue their operations. This flexibility can be vital for small businesses that may experience fluctuations in revenue.Despite its advantages, there are risks associated with defer payment. Individuals who rely too heavily on this option may find themselves trapped in a cycle of debt, as deferred payments can accumulate over time. Additionally, businesses that consistently defer payments may damage relationships with suppliers, leading to a lack of trust and potential disruptions in the supply chain. Therefore, it is crucial to use defer payment judiciously and to have a clear plan for repayment.Another important aspect to consider is the impact of defer payment on credit scores. For individuals, deferring payments can affect their credit utilization ratio, which is a significant factor in determining credit scores. If someone continually defers payments without making regular contributions to their debt, it could signal to lenders that they are struggling financially. For businesses, failing to meet deferred payment obligations can lead to negative credit ratings, making it more challenging to secure loans or favorable terms in the future.In conclusion, the ability to defer payment can be a valuable tool in managing finances, whether for individuals or businesses. It provides flexibility and can alleviate immediate financial burdens. However, it is essential to approach this strategy with caution, ensuring that it does not lead to further financial difficulties. By understanding the implications of defer payment and using it strategically, one can navigate the complexities of financial management more effectively.

在当今快节奏的世界中，有效地管理财务对个人和企业来说至关重要。一种越来越受欢迎的财务策略是能够延期支付。这个术语指的是将支付推迟到更晚的日期，这使得消费者或公司能够更有效地管理现金流。通过明智地理解如何延期支付，个人和企业可以更有效地应对财务挑战。对于个人来说，延期支付选项在财务紧张时期可以提供显著的缓解。例如，许多信用卡公司提供促销期，在此期间可以延期支付而不产生利息。这意味着如果某人面临意外开支，例如医疗账单或汽车维修，他们可以选择在信用卡余额上延期支付，给他们时间重新整理财务。然而，必须记住，虽然这个选项可能提供短期缓解，但如果管理不当，可能会导致长期债务。同样，企业通常利用延期支付策略来维持流动性。一个常见的场景是，当一家公司收到商品或服务但没有立即的现金流可用时。通过与供应商谈判允许他们延期支付的条款，公司可以确保他们有足够的营运资金继续运营。这种灵活性对于可能经历收入波动的小企业至关重要。尽管有其优点，与延期支付相关的风险也存在。依赖这一选项的个人可能会发现自己陷入债务循环，因为延期支付可能会随着时间的推移而积累。此外，持续延期支付的企业可能会损害与供应商的关系，导致信任缺失和潜在的供应链中断。因此，明智地使用延期支付并制定明确的还款计划至关重要。另一个重要方面是延期支付对信用评分的影响。对于个人而言，延期支付可能会影响他们的信用利用率，这是决定信用评分的重要因素。如果某人不断延期支付而没有定期偿还债务，这可能会向贷方发出他们在财务上挣扎的信号。对于企业而言，未能履行延期支付义务可能会导致负面的信用评级，使未来获得贷款或优惠条款变得更加困难。总之，能够延期支付可以成为管理财务的宝贵工具，无论是对个人还是企业。它提供了灵活性，并可以减轻即时的财务负担。然而，必须谨慎对待这一策略，确保它不会导致进一步的财务困难。通过理解延期支付的影响并战略性地使用它，人们可以更有效地应对财务管理的复杂性。