compound with creditors

简明释义

与债权人和解

英英释义

例句

1.After months of negotiations, they finally agreed to compound with creditors for a reduced payment plan.

经过几个月的谈判，他们终于同意与债权人和解，制定一个减少付款的计划。

2.Investors were relieved when the startup announced it would compound with creditors rather than file for insolvency.

当初创公司宣布将与债权人和解而不是申请破产时，投资者松了一口气。

3.To avoid bankruptcy, the firm had no choice but to compound with creditors.

为了避免破产，公司别无选择，只能与债权人和解。

4.The accountant suggested that the business should compound with creditors to improve cash flow.

会计建议企业应与债权人和解以改善现金流。

5.The company decided to compound with creditors to settle its outstanding debts.

公司决定与债权人和解以清偿其未偿还的债务。

作文

In the world of finance and business, the term compound with creditors refers to an agreement made between a debtor and their creditors to settle debts under specific terms that differ from the original obligations. This process often arises when a company or individual is unable to meet their financial commitments due to various circumstances, such as economic downturns, loss of income, or unexpected expenses. The objective of compound with creditors is to reach a mutually beneficial arrangement that allows the debtor to manage their debt while providing some form of recovery for the creditors.When a debtor decides to compound with creditors, they typically negotiate new payment terms that may include reduced interest rates, extended payment periods, or even a reduction in the total amount owed. This can be a strategic move to avoid bankruptcy, which can have severe long-term consequences on both personal and business credit ratings. By choosing to compound with creditors, the debtor demonstrates a willingness to repay their debts while seeking relief from the immediate financial pressures they face.The process of compound with creditors often involves careful negotiation. Debtors must present a realistic plan that outlines how they intend to repay their debts. Creditors, on the other hand, must assess whether accepting the new terms is more advantageous than pursuing legal action or writing off the debt entirely. In many cases, creditors prefer to work with debtors rather than face the uncertainty and costs associated with litigation.One significant advantage of compound with creditors is that it allows debtors to maintain their relationships with creditors. Open communication and negotiation can lead to a more favorable outcome for both parties. For example, a business that successfully negotiates a compound with creditors agreement may be able to continue operations, retain employees, and eventually return to profitability. This not only benefits the business but also the creditors, who may recover more of their investment than they would through other means.However, compound with creditors is not without its challenges. It requires transparency and trust between both parties. Debtors must be honest about their financial situation, and creditors must be willing to listen and consider the proposed terms. If either party fails to uphold their end of the agreement, it can lead to further complications and potential legal disputes.In conclusion, compound with creditors serves as a crucial tool for individuals and businesses facing financial difficulties. It provides a framework for negotiation and compromise, allowing debtors to regain control over their financial situation while offering creditors a chance to recover their losses. Understanding the implications and processes involved in compound with creditors can empower debtors to make informed decisions and navigate their financial challenges more effectively. By fostering cooperation and understanding between debtors and creditors, this practice contributes to healthier financial ecosystems and promotes long-term stability in the economy.

在金融和商业领域，短语与债权人和解指的是债务人与其债权人之间达成的一项协议，以特定条款偿还债务，这些条款与原来的义务不同。当公司或个人由于各种情况（例如经济衰退、收入损失或意外支出）无法履行财务承诺时，这个过程通常会出现。与债权人和解的目标是达成一项互惠互利的安排，使债务人能够管理其债务，同时为债权人提供某种形式的回收。当债务人决定与债权人和解时，他们通常会谈判新的付款条款，这些条款可能包括降低利率、延长付款期限，甚至减少欠款总额。这可以是一种战略举措，以避免破产，因为破产可能对个人和企业的信用评级产生严重的长期影响。通过选择与债权人和解，债务人展示了偿还债务的意愿，同时寻求缓解面临的直接财务压力。与债权人和解的过程通常涉及仔细的谈判。债务人必须提出一个现实的计划，概述他们打算如何偿还债务。另一方面，债权人必须评估接受新条款是否比采取法律行动或完全注销债务更有利。在许多情况下，债权人更愿意与债务人合作，而不是面临诉讼带来的不确定性和成本。与债权人和解的一个显著优势是，它使债务人能够维持与债权人的关系。开放的沟通和谈判可以导致双方更有利的结果。例如，成功谈判与债权人和解协议的企业可能能够继续运营，保留员工，并最终恢复盈利能力。这不仅对企业有利，也对债权人有利，债权人可能会比其他方式收回更多的投资。然而，与债权人和解并非没有挑战。它需要双方的透明度和信任。债务人必须诚实地面对自己的财务状况，而债权人则必须愿意倾听并考虑提议的条款。如果任何一方未能遵守协议，可能会导致进一步的复杂情况和潜在的法律争端。总之，与债权人和解是个人和企业面临财务困难时的重要工具。它提供了谈判和妥协的框架，使债务人能够重新控制其财务状况，同时为债权人提供机会以弥补损失。理解与债权人和解所涉及的含义和过程，可以使债务人做出明智的决策，更有效地应对财务挑战。通过促进债务人与债权人之间的合作与理解，这一实践有助于建立更健康的金融生态系统，并促进经济的长期稳定。