carrying charge

简明释义

拥有财产所带来的费用

英英释义

例句

1.Many retailers include a carrying charge in their financing plans.

许多零售商在其融资计划中包含持有费用。

2.Investors should be aware of the carrying charge associated with holding commodities.

投资者应该了解持有商品所涉及的持有费用。

3.The bank charges a carrying charge for maintaining an overdraft on your account.

银行会对您的账户透支维护收取持有费用。

4.The carrying charge on your credit card can add up quickly if you don’t pay your balance.

如果您不支付信用卡余额，持有费用可能会迅速累积。

5.When you finance a car, the carrying charge can significantly increase the total cost.

当您为一辆车融资时，持有费用可能会显著增加总成本。

作文

In the world of finance and accounting, understanding various terms is crucial for effective management and decision-making. One such term that often comes up in discussions about costs and expenses is carrying charge. The concept of carrying charge refers to the costs associated with holding or maintaining an asset over a period of time. This can include interest on borrowed funds, storage fees, insurance, and any other expenses related to the upkeep of the asset. For instance, if a company holds inventory, the carrying charge would encompass not only the cost of purchasing the inventory but also the costs incurred while storing it until it is sold. Understanding carrying charge is vital for businesses as it directly impacts their profitability. When a company calculates its total costs, it must include the carrying charge to get an accurate picture of its financial health. If these charges are overlooked, a business may underestimate its expenses and overestimate its profits, leading to poor financial decisions. Therefore, it is essential for managers and accountants to keep track of these charges and factor them into their pricing strategies.Moreover, carrying charge can also play a significant role in investment decisions. Investors need to consider the carrying charge when evaluating potential investments. For example, in real estate, the carrying charge includes mortgage payments, property taxes, and maintenance costs. If these costs are too high relative to the expected return on investment, an investor may decide to look elsewhere for better opportunities. Thus, understanding carrying charge helps investors make informed choices that align with their financial goals.In addition to its implications for businesses and investors, the carrying charge also has broader economic effects. In times of high interest rates, the carrying charge on loans can significantly increase, affecting consumer behavior and spending. When carrying charges are high, consumers may be less likely to borrow money for big-ticket items like homes or cars, thereby slowing economic growth. Conversely, low carrying charge rates can encourage borrowing and spending, stimulating the economy.To illustrate the importance of carrying charge, consider a scenario where a small business owner decides to hold onto excess inventory instead of selling it off quickly. While this may seem like a good strategy to avoid losing sales, the owner must account for the carrying charge that accumulates over time. If the costs of storing the inventory and the lost opportunity to invest elsewhere outweigh the benefits of holding the inventory, the owner could be making a costly mistake.In conclusion, the term carrying charge encapsulates a variety of costs associated with maintaining an asset. Whether in business operations, investment decisions, or broader economic contexts, understanding and managing carrying charge is essential for achieving financial success. By keeping a close eye on these charges, individuals and organizations can make more informed decisions that ultimately lead to better outcomes. As such, it is imperative for anyone involved in finance, whether as a manager, investor, or consumer, to have a solid grasp of what carrying charge entails and how it affects their financial landscape.

在金融和会计的世界中，理解各种术语对于有效管理和决策至关重要。其中一个常常出现在成本和费用讨论中的术语是持有费用。持有费用的概念指的是在一段时间内持有或维护资产所产生的成本。这可能包括借款的利息、存储费、保险以及与资产维护相关的任何其他费用。例如，如果一家公司持有库存，持有费用不仅包括购买库存的成本，还包括在出售之前存储这些库存所产生的费用。理解持有费用对企业至关重要，因为它直接影响到企业的盈利能力。当公司计算其总成本时，必须将持有费用纳入其中，以便准确了解其财务状况。如果忽视了这些费用，企业可能会低估其支出，从而高估其利润，导致错误的财务决策。因此，管理者和会计师必须跟踪这些费用，并将其纳入定价策略中。此外，持有费用在投资决策中也可能发挥重要作用。投资者在评估潜在投资时需要考虑持有费用。例如，在房地产中，持有费用包括抵押贷款支付、财产税和维护费用。如果这些费用相对于预期的投资回报过高，投资者可能会决定寻找更好的机会。因此，理解持有费用可以帮助投资者做出符合其财务目标的明智选择。除了对企业和投资者的影响外，持有费用还具有更广泛的经济影响。在高利率时期，贷款的持有费用可能会显著增加，影响消费者行为和消费。当持有费用较高时，消费者可能不太愿意借钱购买房屋或汽车等大宗商品，从而减缓经济增长。相反，低持有费用利率可以鼓励借贷和消费，刺激经济。为了说明持有费用的重要性，考虑一个小企业主决定保留多余库存而不是快速出售的场景。虽然这看似是一种避免失去销售的好策略，但业主必须考虑随着时间推移而累积的持有费用。如果存储库存的成本和失去其他投资机会的机会成本超过了持有库存的好处，业主可能会犯一个代价高昂的错误。总之，持有费用这一术语涵盖了与维护资产相关的各种成本。无论是在商业运营、投资决策还是更广泛的经济背景中，理解和管理持有费用对于实现财务成功至关重要。通过密切关注这些费用，个人和组织可以做出更明智的决策，最终带来更好的结果。因此，任何参与金融活动的人，无论是管理者、投资者还是消费者，都必须牢固掌握持有费用的含义及其对财务状况的影响。