loan payable

简明释义

应付贷款

英英释义

例句

1.The company reported a significant increase in its loan payable 应付贷款 due to recent expansions.

该公司因近期扩张而报告其应付贷款 loan payable显著增加。

2.The accountant prepared a report detailing the loan payable 应付贷款 obligations of the business.

会计准备了一份报告，详细说明了企业的应付贷款 loan payable义务。

3.To improve cash flow, the manager decided to refinance the loan payable 应付贷款 with a lower interest rate.

为了改善现金流，经理决定以较低的利率再融资应付贷款 loan payable。

4.At the end of the fiscal year, all loan payable 应付贷款 must be accounted for in the balance sheet.

在财政年度结束时，所有的应付贷款 loan payable必须在资产负债表中列示。

5.Investors are concerned about the high level of loan payable 应付贷款 on the company's books.

投资者对公司账面上高额的应付贷款 loan payable表示担忧。

作文

In the world of finance and accounting, understanding various terms is crucial for both individuals and businesses. One such term that often arises in financial statements and discussions is loan payable. A loan payable refers to a liability that indicates money borrowed by an individual or a company that must be repaid in the future. This concept is fundamental for managing finances effectively and ensuring that obligations are met in a timely manner.When a business takes out a loan, it enters into a contractual agreement with a lender, which could be a bank or another financial institution. The amount borrowed becomes a loan payable on the balance sheet, representing the company’s obligation to repay the lender. This liability is typically classified as a current liability if it is due within one year, or a long-term liability if it is due after one year. Understanding the distinction between these two classifications is important for assessing the financial health of a business.For example, let’s consider a small business that needs to purchase new equipment to expand its operations. The owner decides to take out a loan of $50,000 from a bank. This amount will be recorded as a loan payable on the company’s balance sheet. As the business makes monthly payments towards this loan, the loan payable amount decreases, reflecting the repayment of the principal amount borrowed.The implications of having a loan payable extend beyond just the numbers on a balance sheet. It also affects cash flow management. Businesses need to ensure they have sufficient cash flow to cover their loan repayments, which can include interest and principal payments. Failure to manage these payments can lead to defaulting on the loan, which can have severe consequences, including damage to credit ratings and potential legal action from lenders.Moreover, understanding loan payable is essential for personal finance as well. Individuals often take out loans for various reasons, such as purchasing a home, financing education, or buying a car. Each of these loans becomes a loan payable in the individual's financial records. Just like businesses, individuals must be diligent in managing their loan repayments to maintain good credit scores and avoid financial distress.In summary, the term loan payable encapsulates a significant aspect of financial management, whether for businesses or individuals. It represents an obligation that requires careful planning and monitoring. By understanding the nature of loan payable, stakeholders can make informed decisions regarding borrowing and repayment strategies. This knowledge ultimately contributes to better financial health and stability, allowing both individuals and businesses to thrive in their respective endeavors.

在金融和会计的世界中，理解各种术语对个人和企业都至关重要。其中一个在财务报表和讨论中经常出现的术语是应付贷款。应付贷款指的是个人或公司借入的、未来必须偿还的资金负债。这个概念对于有效管理财务和确保及时履行义务是基础。当一家公司贷款时，它与贷款人（可能是银行或其他金融机构）签订合同协议。借入的金额成为公司的应付贷款，表示公司对偿还贷款人的义务。这项负债通常被归类为流动负债，如果在一年内到期，则为流动负债；如果在一年后到期，则为长期负债。理解这两种分类之间的区别对于评估企业的财务健康状况非常重要。例如，我们考虑一家小企业，需要购买新设备以扩展其运营。业主决定向银行借款50,000美元。这个金额将在公司的资产负债表上记录为应付贷款。随着企业每月偿还这笔贷款，应付贷款的金额减少，反映出所借本金的偿还。拥有应付贷款的影响超越了资产负债表上的数字。它还影响现金流管理。企业需要确保有足够的现金流来覆盖贷款的还款，这可能包括利息和本金的支付。未能管理这些付款可能导致违约，这可能会带来严重的后果，包括信用评级受损和潜在的法律行动。此外，理解应付贷款对个人财务也至关重要。个人通常会因各种原因而借款，例如购买房屋、融资教育或购车。这些贷款在个人的财务记录中都会成为应付贷款。就像企业一样，个人也必须在管理贷款还款方面保持谨慎，以维护良好的信用评分并避免财务困境。总之，术语应付贷款概括了财务管理的重要方面，无论是对于企业还是个人。它代表了一项需要仔细规划和监控的义务。通过理解应付贷款的性质，利益相关者可以做出明智的借款和还款策略决策。这种知识最终有助于更好的财务健康和稳定，使个人和企业能够在各自的事业中蓬勃发展。