idle balances

简明释义

闲置余额

英英释义

例句

1.To earn more interest, consider investing your idle balances 闲置余额 in a high-yield account.

为了赚取更多利息，可以考虑将你的闲置余额投资于高收益账户。

2.Excess idle balances 闲置余额 can indicate poor financial management.

过多的闲置余额可能表明财务管理不善。

3.The bank reported that many customers have large idle balances 闲置余额 in their savings accounts.

银行报告称，许多客户在他们的储蓄账户中有大量的闲置余额。

4.Companies should regularly review their idle balances 闲置余额 to optimize cash flow.

公司应定期审查其闲置余额以优化现金流。

5.Investors often look for ways to minimize idle balances 闲置余额 in their portfolios.

投资者通常寻找方法来最小化他们投资组合中的闲置余额。

作文

In the world of finance and banking, the term idle balances refers to funds that are not actively being used or invested. These funds sit in accounts without generating any returns, which can be a significant concern for both individuals and businesses. Understanding the implications of idle balances is crucial for effective financial management. When individuals or companies maintain large idle balances, they might miss out on opportunities to grow their wealth or improve cash flow. For instance, if a business has a substantial amount of money sitting in a checking account, it could consider investing that money in stocks, bonds, or other financial instruments that offer better returns. Moreover, idle balances can also lead to increased costs. Banks often charge fees for maintaining accounts with high balances that do not generate interest. This is especially true for business accounts where transaction fees can accumulate quickly. Therefore, it is essential for business owners to analyze their cash flow and determine how much money they need to keep liquid versus how much can be invested or utilized elsewhere. On a personal level, individuals should also be aware of their idle balances. Many people have savings accounts that earn minimal interest, leading to a situation where their money is effectively stagnant. Instead, they could explore high-yield savings accounts, certificates of deposit (CDs), or even invest in mutual funds or retirement accounts that can provide better returns over time. Another important aspect of idle balances is the opportunity cost associated with them. Opportunity cost refers to the potential benefits an individual or business misses out on when choosing one alternative over another. By keeping money idle, they are forgoing the chance to earn interest or capital gains. For example, if someone has $10,000 in an idle balance in a low-interest savings account instead of investing it in a diversified portfolio, they could potentially lose thousands of dollars in earnings over the years. To mitigate the risks associated with idle balances, individuals and businesses should regularly review their finances. This includes assessing their spending habits, understanding their financial goals, and determining the best allocation of their resources. Financial advisors often recommend setting up automatic transfers to investment accounts or savings vehicles that offer higher returns. This way, individuals can ensure that their money is working for them rather than sitting idle. In conclusion, idle balances represent a significant challenge in financial management. By recognizing the importance of utilizing funds effectively, individuals and businesses can avoid the pitfalls of having too much money sitting idle. Instead, they can make informed decisions that enhance their financial health and lead to greater wealth accumulation. It is vital to continuously educate oneself about financial options and strategies to ensure that idle balances are minimized and that every dollar is put to work efficiently.

在金融和银行的世界中，术语闲置余额指的是未被积极使用或投资的资金。这些资金在账户中静静地待着，没有产生任何收益，这对个人和企业来说可能是一个重大问题。理解闲置余额的含义对于有效的财务管理至关重要。当个人或公司保持大量闲置余额时，他们可能会错失增长财富或改善现金流的机会。例如，如果一家企业在支票账户中有大量资金，那么它可以考虑将这些资金投资于股票、债券或其他提供更好回报的金融工具。此外，闲置余额还可能导致成本增加。银行通常会对维持高余额但不产生利息的账户收取费用。这在商业账户中尤为明显，因为交易费用可能迅速累积。因此，企业主必须分析他们的现金流，并确定需要保持多少流动资金，以及多少可以投资或在其他地方利用。在个人层面，个人也应意识到自己的闲置余额。许多人拥有赚取微薄利息的储蓄账户，导致他们的资金实际上处于停滞状态。相反，他们可以探索高收益储蓄账户、存款证（CD）或甚至投资于共同基金或退休账户，这些账户可以随着时间的推移提供更好的回报。闲置余额的另一个重要方面是与之相关的机会成本。机会成本是指个人或企业在选择一种替代方案而不是另一种时错过的潜在利益。通过保持资金闲置，他们放弃了赚取利息或资本收益的机会。例如，如果某人在低利率储蓄账户中有1万美元的闲置余额而不是将其投资于多元化投资组合，他们可能会在几年内损失数千美元的收益。为了减少与闲置余额相关的风险，个人和企业应定期审查他们的财务状况。这包括评估他们的消费习惯、理解他们的财务目标以及确定最佳的资源配置。财务顾问通常建议设置自动转账到投资账户或提供更高回报的储蓄工具。通过这种方式，个人可以确保他们的资金为他们工作，而不是闲置。总之，闲置余额代表了财务管理中的一个重大挑战。通过认识到有效利用资金的重要性，个人和企业可以避免过多资金闲置的陷阱。相反，他们可以做出明智的决策，从而增强他们的财务健康并实现更大的财富积累。持续学习财务选项和策略，以确保最小化闲置余额，使每一美元都能高效运作，是至关重要的。