active debt; outstanding debt

简明释义

未清偿的债务

英英释义

例句

1.Managing active debt 活跃债务 is crucial for maintaining a healthy financial status.

管理活跃债务 active debt对于保持健康的财务状况至关重要。

2.The financial advisor suggested consolidating outstanding debt 未偿债务 to reduce interest payments.

财务顾问建议合并未偿债务 outstanding debt以减少利息支出。

3.The bank reported that the total active debt 活跃债务 of its clients has increased this quarter.

银行报告称，本季度客户的总活跃债务 active debt有所增加。

4.To improve your credit score, it's important to manage your outstanding debt 未偿债务 effectively.

为了提高信用评分，妥善管理你的未偿债务 outstanding debt是很重要的。

5.Investors are concerned about the company's rising active debt 活跃债务 levels.

投资者对该公司不断上升的活跃债务 active debt水平表示担忧。

作文

Understanding the concepts of active debt and outstanding debt is crucial for anyone looking to manage their finances effectively. These terms are often used interchangeably, but they have distinct meanings that can influence financial decision-making significantly. Active debt refers to the total amount of debt that an individual or organization currently owes and is actively managing. This includes loans, credit card balances, and any other form of borrowing that requires regular payments. On the other hand, outstanding debt pertains to the portion of debt that has not yet been paid off. This term highlights the remaining balance owed at a given point in time, which may include both principal and interest that has accrued over time.To illustrate these concepts, let's consider an example involving a student loan. If a student borrows $20,000 to finance their education, this amount represents their active debt as they are currently responsible for repaying it. As the student makes monthly payments, the amount they owe decreases. However, if they still have $10,000 left to pay off after making several payments, this remaining balance is classified as outstanding debt. Understanding the difference between these two terms can help individuals track their financial obligations more accurately.Another critical aspect of active debt and outstanding debt is their impact on credit scores. Credit scoring models often consider both the total amount of active debt and the outstanding debt when calculating an individual's creditworthiness. A high level of active debt relative to available credit can negatively affect a credit score, indicating to lenders that the borrower may be over-leveraged. Conversely, consistently reducing outstanding debt can demonstrate responsible financial behavior, leading to improved credit scores over time.Moreover, managing active debt effectively can pave the way for better financial opportunities. For instance, individuals who keep their active debt under control may qualify for lower interest rates on future loans, making it cheaper to borrow money when necessary. In contrast, those with high levels of outstanding debt may find it challenging to secure new credit or may face higher interest rates due to perceived risk by lenders.In conclusion, grasping the nuances of active debt and outstanding debt is essential for sound financial management. By recognizing the difference between what is currently owed and what remains unpaid, individuals can make informed decisions about their borrowing habits and repayment strategies. This understanding not only aids in maintaining a healthy financial profile but also contributes to long-term financial stability. Ultimately, being proactive in managing both active debt and outstanding debt can lead to a more secure financial future, allowing individuals to achieve their goals without the burden of excessive debt hanging over their heads.

理解活跃债务和未偿债务的概念对于任何希望有效管理财务的人来说都是至关重要的。这些术语通常可以互换使用，但它们有着不同的含义，可能会显著影响财务决策。活跃债务指的是个人或组织当前所欠的总债务，并且正在积极管理。这包括贷款、信用卡余额以及任何其他需要定期还款的借贷形式。另一方面，未偿债务是指尚未偿还的债务部分。这个术语突出了在特定时点仍需偿还的余额，这可能包括本金和随时间积累的利息。为了说明这些概念，让我们考虑一个学生贷款的例子。如果一名学生借款20,000美元来资助他们的教育，这个金额代表了他们的活跃债务，因为他们目前负责偿还这笔款项。随着学生每月还款，所欠金额会减少。然而，如果他们在还款后仍有10,000美元未偿还，这个剩余余额被归类为未偿债务。理解这两个术语之间的差异可以帮助个人更准确地跟踪他们的财务义务。活跃债务和未偿债务的另一个关键方面是它们对信用评分的影响。信用评分模型通常在计算个人信用worthiness时考虑到总的活跃债务和未偿债务。相对于可用信用额度，高水平的活跃债务可能会对信用评分产生负面影响，表明借款人可能负担过重。相反，持续减少未偿债务可以展示负责任的财务行为，从而随着时间的推移提高信用评分。此外，有效管理活跃债务可以为更好的财务机会铺平道路。例如，保持活跃债务在控制范围内的个人可能有资格获得未来贷款的较低利率，使得在必要时借款变得更便宜。相反，那些拥有高水平未偿债务的人可能会发现很难获得新的信贷，或者由于贷方认为风险较高而面临更高的利率。总之，掌握活跃债务和未偿债务的细微差别对于良好的财务管理至关重要。通过认识到当前所欠的金额与未支付的金额之间的区别，个人可以对其借贷习惯和还款策略做出明智的决策。这种理解不仅有助于维持健康的财务状况，还有助于实现长期的财务稳定。最终，积极管理活跃债务和未偿债务可以带来更安全的财务未来，使个人能够实现他们的目标，而不必承受过度债务的负担。