contingency account

简明释义

意外准备金帐户

英英释义

例句

1.Our financial advisor recommended that we keep a contingency account for any unexpected home repairs.

我们的财务顾问建议我们保持一个应急账户以应对任何意外的家庭维修。

2.It is wise to maintain a contingency account for emergencies that may arise during travel.

在旅行期间保持一个应急账户以应对可能出现的紧急情况是明智的。

3.The company set aside funds in a contingency account to prepare for unexpected expenses.

公司在应急账户中预留资金，以应对意外支出。

4.The non-profit organization established a contingency account to ensure they could handle any sudden financial shortfalls.

该非营利组织建立了一个应急账户，以确保他们能够应对任何突发的财政短缺。

5.During the project planning phase, we allocated a portion of the budget to a contingency account for unforeseen circumstances.

在项目规划阶段，我们将预算的一部分分配到应急账户以应对不可预见的情况。

作文

In the world of finance and budgeting, the term contingency account refers to a reserve fund set aside to cover unforeseen expenses or emergencies. This financial strategy is crucial for both individuals and organizations as it provides a safety net that ensures stability during unpredictable situations. The importance of having a contingency account cannot be overstated, as it not only helps in managing risks but also promotes financial discipline. To illustrate the significance of a contingency account, consider a small business owner who has just launched a new café. Despite meticulous planning and budgeting, unexpected costs may arise, such as equipment failure or sudden increases in ingredient prices. Without a contingency account, these unforeseen expenses could jeopardize the business's operations and financial health. By allocating a portion of the budget to a contingency account, the owner can address these issues without resorting to high-interest loans or credit cards, which can lead to further financial strain.Moreover, a contingency account fosters a proactive approach to financial management. It encourages individuals and organizations to think ahead and prepare for potential challenges. For instance, in personal finance, having a contingency account allows individuals to handle unexpected medical bills, car repairs, or job loss without derailing their financial stability. This preparedness not only alleviates stress but also empowers individuals to make informed decisions during crises.In addition, the presence of a contingency account can enhance credibility and confidence among stakeholders. Investors and lenders are more likely to support a business that demonstrates prudent financial management practices, including the establishment of a contingency account. This financial cushion signals to stakeholders that the business is prepared for uncertainties, making it a more attractive investment opportunity.Furthermore, the size of a contingency account can vary based on the nature of the entity and its specific risks. For example, a startup might allocate a smaller percentage of its budget to a contingency account compared to an established corporation that faces larger operational risks. Typically, financial experts recommend setting aside anywhere from 5% to 15% of the total budget for this purpose, although the exact amount should be tailored to individual circumstances.In conclusion, a contingency account serves as a vital component of sound financial planning. It provides a buffer against unexpected challenges, fosters a proactive mindset, and enhances credibility with stakeholders. Whether for personal finances or business operations, establishing a contingency account is a wise decision that contributes to long-term financial health and resilience. Therefore, it is essential for everyone to recognize the value of a contingency account and incorporate it into their financial strategies for a more secure future.

在金融和预算的世界中，术语应急账户指的是为应对不可预见的开支或紧急情况而设立的储备基金。这种财务策略对于个人和组织都至关重要，因为它提供了一个安全网，确保在不可预测的情况下保持稳定。拥有应急账户的重要性不容小觑，因为它不仅有助于管理风险，还促进了财务纪律。为了说明应急账户的重要性，让我们考虑一个刚刚开设新咖啡馆的小企业主。尽管进行了细致的规划和预算，但意外费用可能会出现，例如设备故障或原材料价格突然上涨。如果没有应急账户，这些不可预见的开支可能会危及企业的运营和财务健康。通过将预算的一部分分配给应急账户，业主可以应对这些问题，而无需求助于高利贷或信用卡，这可能导致进一步的财务压力。此外，应急账户促进了财务管理的主动性。它鼓励个人和组织提前思考并为潜在挑战做好准备。例如，在个人理财中，拥有应急账户使个人能够处理突发的医疗账单、汽车维修或失业，而不会破坏他们的财务稳定。这种准备不仅减轻了压力，还使个人在危机期间能够做出明智的决策。此外，拥有应急账户可以增强利益相关者之间的信誉和信心。投资者和贷款人更有可能支持一个展现出审慎财务管理实践的企业，包括建立应急账户。这个财务缓冲区向利益相关者表明，该企业已为不确定性做好准备，使其成为更具吸引力的投资机会。此外，应急账户的规模可能会根据实体的性质及其特定风险而有所不同。例如，初创企业可能会将预算中较小的比例分配给应急账户，而面临更大运营风险的成熟公司则可能分配更多。通常，财务专家建议将总预算的5%到15%分配用于此目的，尽管确切金额应根据个人情况量身定制。总之，应急账户是健全财务规划的重要组成部分。它为应对意外挑战提供了缓冲，促进了主动的思维方式，并增强了与利益相关者的信誉。因此，无论是在个人财务还是商业运营中，建立应急账户都是一个明智的决定，有助于长期的财务健康和韧性。因此，人人都应认识到应急账户的价值，并将其纳入财务策略，以实现更安全的未来。