open debt

简明释义

未清欠帐，未清债务

英英释义

例句

1.It's important to monitor open debt 未偿债务 levels to avoid financial distress.

监控未偿债务水平以避免财务危机是很重要的。

2.To improve cash flow, the business decided to consolidate its open debt 未偿债务 into a single loan.

为了改善现金流，企业决定将其未偿债务整合为一笔贷款。

3.The accountant reported that the open debt 未偿债务 had increased over the last quarter.

会计报告称，过去一个季度的未偿债务有所增加。

4.Investors are concerned about the open debt 未偿债务 on the balance sheet.

投资者对资产负债表上的未偿债务感到担忧。

5.The company has an open debt 未偿债务 that needs to be addressed before the next financial quarter.

这家公司有一笔未偿债务，需要在下一个财务季度之前解决。

作文

In today's financial landscape, the concept of open debt (开放债务) has become increasingly relevant. Open debt refers to the outstanding financial obligations that a borrower has yet to settle. This can include loans, credit card balances, or any other form of debt that is still active and has not been paid off. Understanding open debt is crucial for both individuals and businesses, as it directly impacts their financial health and creditworthiness.For individuals, managing open debt (开放债务) is essential for maintaining a good credit score. A high level of open debt can signal to lenders that a borrower may be over-leveraged, which can lead to higher interest rates or even denial of future credit applications. It is important for individuals to regularly monitor their debts, create a repayment plan, and avoid accumulating unnecessary debt. By doing so, they can improve their financial standing and ensure that they are in a position to handle any unexpected expenses that may arise.On the other hand, businesses also need to be mindful of their open debt (开放债务). Companies often rely on loans and lines of credit to fund operations, expand their reach, or invest in new projects. However, if a business has too much open debt, it could face difficulties in securing additional financing or managing cash flow. Investors and creditors will scrutinize a company's debt levels before making decisions about funding or investing. Therefore, businesses must strike a balance between leveraging debt for growth and maintaining a manageable level of open debt.One effective strategy for managing open debt (开放债务) is to prioritize repayment. Borrowers should identify which debts have the highest interest rates and focus on paying those off first. This approach, often referred to as the 'avalanche method,' can help reduce the overall cost of borrowing and free up more resources for savings or investments. Additionally, borrowers can consider consolidating their debts into a single loan with a lower interest rate, which can simplify repayments and reduce financial stress.Another important aspect of dealing with open debt (开放债务) is communication. Whether it's with creditors, lenders, or financial advisors, being transparent about one's financial situation can lead to better outcomes. Many lenders are willing to work with borrowers who are struggling to make payments, offering options such as payment plans or deferment. By proactively addressing issues related to open debt, borrowers can often find solutions that prevent further financial hardship.In conclusion, understanding and managing open debt (开放债务) is vital for both individuals and businesses. It influences credit scores, borrowing capacity, and overall financial stability. By adopting smart debt management strategies, prioritizing repayment, and maintaining open lines of communication with creditors, borrowers can navigate the complexities of open debt effectively. Ultimately, taking control of open debt can lead to a more secure financial future, allowing individuals and businesses to thrive without the burden of overwhelming financial obligations.

在当今的金融环境中，开放债务的概念变得愈发重要。开放债务是指借款人尚未清偿的未偿还财务义务。这可以包括贷款、信用卡余额或任何其他仍然活跃且尚未偿还的债务。理解开放债务对个人和企业都至关重要，因为它直接影响到他们的财务健康和信用worthiness。对于个人来说，管理开放债务至关重要，以维护良好的信用评分。高水平的开放债务可能向贷方表明借款人可能过度负债，这可能导致更高的利率甚至未来信贷申请被拒。因此，个人定期监控其债务、制定还款计划并避免积累不必要的债务是非常重要的。通过这样做，他们可以改善财务状况，并确保能够应对任何突发支出。另一方面，企业也需要关注其开放债务。公司通常依赖贷款和信用额度来资助运营、扩大市场或投资新项目。然而，如果一家企业的开放债务过多，它可能会面临获得额外融资或管理现金流的困难。投资者和债权人在做出融资或投资决策之前会仔细审查公司的债务水平。因此，企业必须在利用债务促进增长和保持可管理的开放债务水平之间找到平衡。管理开放债务的一个有效策略是优先偿还。借款人应识别出利率最高的债务，并首先集中精力偿还这些债务。这种方法通常被称为“雪崩法”，可以帮助减少整体借款成本，并释放更多资源用于储蓄或投资。此外，借款人可以考虑将债务合并为一笔利率较低的贷款，这可以简化还款并减少财务压力。处理开放债务的另一个重要方面是沟通。无论是与债权人、贷方还是财务顾问，透明地表达自己的财务状况都可以带来更好的结果。许多贷方愿意与那些在偿还方面遇到困难的借款人合作，提供如还款计划或延期等选项。通过主动解决与开放债务相关的问题，借款人通常可以找到防止进一步财务困境的解决方案。总之，理解和管理开放债务对个人和企业至关重要。它影响信用评分、借款能力和整体财务稳定性。通过采取明智的债务管理策略、优先偿还以及与债权人保持开放的沟通渠道，借款人可以有效应对开放债务的复杂性。最终，控制开放债务可以带来更安全的财务未来，使个人和企业能够在没有压倒性财务义务负担的情况下蓬勃发展。