cash on hand

简明释义

现存资金

英英释义

例句

1.During the pandemic, many people realized the importance of having cash on hand for unexpected expenses.

在疫情期间，许多人意识到拥有现金在手以应对意外支出的重要性。

2.It's essential for a restaurant to have enough cash on hand to pay suppliers and employees.

餐厅必须有足够的现金在手来支付供应商和员工的工资。

3.The small business owner always keeps some cash on hand for emergencies.

小企业主总是留一些现金在手以备不时之需。

4.Before making any large purchases, it's wise to check how much cash on hand you have.

在进行任何大额购买之前，明智的做法是检查一下你有多少现金在手。

5.Investors often recommend keeping a portion of your portfolio in cash on hand for market opportunities.

投资者通常建议将投资组合的一部分保留为现金在手以把握市场机会。

作文

In today's fast-paced world, managing finances effectively is crucial for both individuals and businesses. One important concept in financial management is the idea of cash on hand, which refers to the actual money that a person or company has readily available for immediate use. This can include physical cash, such as coins and banknotes, as well as funds in checking accounts that can be accessed without delay. Understanding the significance of cash on hand is essential for making informed financial decisions and ensuring liquidity. Having sufficient cash on hand allows individuals to cover unexpected expenses without needing to rely on credit or loans. For example, if someone faces an emergency situation, such as a medical issue or car repair, having readily available cash can alleviate stress and provide peace of mind. It enables individuals to respond quickly to urgent needs without the burden of debt. Furthermore, maintaining a healthy amount of cash on hand can help in budgeting and planning for future expenditures. For businesses, cash on hand plays an equally vital role. Companies need to ensure they have enough liquid assets to meet their short-term obligations, such as paying suppliers, employees, and other operational costs. A business with inadequate cash on hand may struggle to maintain smooth operations, potentially leading to missed opportunities and financial difficulties. Therefore, business owners often monitor their cash flow closely to ensure they have the necessary funds available when needed. Moreover, having a solid understanding of cash on hand can aid in investment decisions. When individuals or businesses have excess cash, they can explore various investment opportunities, such as stocks, bonds, or real estate. However, it is essential to strike a balance between maintaining sufficient cash on hand for immediate needs and investing for potential growth. Financial advisors often recommend keeping a certain percentage of one’s total assets in liquid form to ensure that there is always cash available for emergencies or unforeseen expenses. In conclusion, the concept of cash on hand is a fundamental aspect of financial management that everyone should understand. Whether for personal use or business operations, having adequate cash readily available is essential for navigating life's uncertainties and achieving financial stability. By prioritizing cash on hand, individuals and businesses can make better financial decisions, mitigate risks, and seize opportunities as they arise. Therefore, it is advisable to regularly assess one’s financial situation and ensure that there is always a comfortable amount of cash on hand to support both current needs and future aspirations.

在当今快节奏的世界中，有效管理财务对于个人和企业都至关重要。财务管理中的一个重要概念是现金在手，它指的是个人或公司可以立即使用的实际货币。这可以包括物理现金，如硬币和纸币，以及可以无延迟访问的支票账户中的资金。理解现金在手的重要性对于做出明智的财务决策和确保流动性至关重要。拥有足够的现金在手使个人能够在不依赖信用或贷款的情况下应对意外费用。例如，如果某人面临紧急情况，如医疗问题或汽车维修，拥有随时可用的现金可以减轻压力并提供安心。它使个人能够迅速应对紧急需求，而不必承担债务。此外，保持健康的现金在手量可以帮助预算和计划未来的支出。对于企业而言，现金在手同样发挥着至关重要的作用。公司需要确保他们有足够的流动资产来满足短期义务，例如支付供应商、员工和其他运营成本。现金不足的企业可能会在维护顺利运营方面面临困难，可能导致错失机会和财务困境。因此，企业主通常会密切监控其现金流，以确保在需要时有必要的资金可用。此外，对现金在手有充分的理解可以帮助投资决策。当个人或企业拥有多余现金时，他们可以探索各种投资机会，如股票、债券或房地产。然而，保持足够的现金在手以满足当前需求与投资潜在增长之间的平衡至关重要。财务顾问通常建议将一定比例的总资产保持为流动形式，以确保始终有现金可用于应急或意外开支。总之，现金在手的概念是每个人都应该理解的财务管理的基本方面。无论是用于个人使用还是商业运营，拥有足够的现金随时可用对于应对生活的不确定性和实现财务稳定至关重要。通过优先考虑现金在手，个人和企业可以做出更好的财务决策，降低风险，并在机会出现时抓住它们。因此，建议定期评估自己的财务状况，确保始终有舒适的现金在手量以支持当前需求和未来愿望。