compound with creditors

简明释义

债务人与多数债权人和解

英英释义

例句

1.In order to settle their debts, the business had no choice but to compound with creditors.

为了清偿债务，该企业别无选择，只能与债权人和解。

2.The company decided to compound with creditors to reduce its overall debt burden.

公司决定与债权人和解以减少整体债务负担。

3.She was relieved when her lawyer informed her that they could compound with creditors without losing everything.

当她的律师告诉她可以与债权人和解而不至于失去一切时，她松了一口气。

4.The financial advisor recommended that the firm compound with creditors to improve cash flow.

财务顾问建议公司与债权人和解以改善现金流。

5.After months of negotiations, they finally agreed to compound with creditors to avoid bankruptcy.

经过几个月的谈判，他们最终同意与债权人和解以避免破产。

作文

In the world of finance and business, dealing with creditors is an inevitable reality for many companies. At times, businesses may find themselves in a position where they are unable to meet their financial obligations. This can lead to a situation where they must consider various options to manage their debts effectively. One such option is to compound with creditors, which refers to the process of negotiating with creditors to reach a mutually agreeable settlement regarding outstanding debts. This could involve reducing the total amount owed or extending the payment terms, allowing the company to stabilize its financial situation while satisfying its creditors to some extent.The decision to compound with creditors can be driven by several factors. For instance, a company facing cash flow problems might realize that it is better to negotiate a settlement rather than face bankruptcy. By entering into negotiations, the company can often retain more control over its assets and operations than it would in a bankruptcy scenario. Moreover, creditors may prefer to accept a reduced payment rather than risk receiving nothing if the debtor goes bankrupt.When a business decides to compound with creditors, it usually starts by assessing its financial position and determining how much it can realistically afford to pay. This assessment involves analyzing current assets, liabilities, and cash flow projections. Once a clear picture of its financial health is established, the company can approach its creditors with a proposal. This proposal typically outlines the reasons for the inability to pay the full debt and suggests a new payment plan that is more manageable for the company.Negotiating a compound with creditors agreement requires careful communication and strategy. Businesses must present their case clearly and convincingly to gain the trust of their creditors. It’s essential to demonstrate a commitment to resolving the debt while also showing transparency about the company’s financial situation. Creditors are more likely to agree to a settlement if they believe that the business is making a genuine effort to fulfill its obligations.Moreover, the success of a compound with creditors negotiation often hinges on timing. Approaching creditors early when financial difficulties arise can lead to more favorable outcomes. If a company waits too long, creditors may become less willing to negotiate as they perceive a higher risk of loss. Therefore, proactive communication is key.Once an agreement is reached, it is crucial for the business to adhere to the terms set out in the compound with creditors arrangement. Failing to do so can damage relationships with creditors and lead to further financial distress. Successful compliance with the agreement can help a company rebuild its creditworthiness and pave the way for future financing opportunities.In conclusion, compound with creditors is a strategic approach that allows businesses facing financial challenges to negotiate more manageable debt repayment plans. By understanding their financial situation, communicating effectively with creditors, and adhering to agreed terms, companies can navigate through tough financial waters. Ultimately, this process not only aids in debt resolution but also contributes to the long-term sustainability of the business, ensuring that it can continue to operate and grow in the future. By taking the right steps, companies can turn a potentially disastrous situation into a manageable one, fostering healthier financial practices moving forward.

在金融和商业的世界中，处理债权人是许多公司不可避免的现实。有时，企业可能会发现自己处于无法履行财务义务的境地。这可能导致它们必须考虑各种选项，以有效管理其债务。其中一个选项是与债权人达成和解，这指的是与债权人协商以达成关于未偿债务的共同协议的过程。这可能涉及减少欠款总额或延长付款期限，使公司能够稳定其财务状况，同时在某种程度上满足其债权人。决定与债权人达成和解可能由几个因素驱动。例如，面临现金流问题的公司可能意识到，与其面临破产，不如谈判达成和解。通过进入谈判，公司通常可以比在破产情况下保留更多对其资产和运营的控制。此外，债权人可能更愿意接受减少付款，而不是冒着在债务人破产时一无所获的风险。当一家公司决定与债权人达成和解时，通常会首先评估其财务状况，并确定其实际能够支付的金额。这一评估涉及分析当前资产、负债和现金流预测。一旦建立了其财务健康状况的清晰图景，公司就可以向债权人提出建议。该提案通常概述了无法全额偿还债务的原因，并建议一个对公司来说更可管理的新付款计划。谈判与债权人达成和解协议需要仔细的沟通和策略。企业必须清晰而有说服力地陈述他们的案例，以赢得债权人的信任。展示解决债务的承诺，同时对公司的财务状况保持透明是至关重要的。如果债权人相信企业正在真诚努力履行其义务，他们更有可能同意和解。此外，与债权人达成和解谈判的成功往往取决于时机。早期接触债权人，在财务困难出现时，可以带来更有利的结果。如果公司等得太久，债权人可能会因为感知到损失风险增加而变得不那么愿意谈判。因此，主动沟通是关键。一旦达成协议，企业遵守与债权人达成和解协议中规定的条款至关重要。未能做到这一点可能会损害与债权人的关系，并导致进一步的财务困境。成功遵守协议可以帮助公司重建信用，并为未来的融资机会铺平道路。总之，与债权人达成和解是一种战略方法，使面临财务挑战的企业能够谈判出更可管理的债务偿还计划。通过了解自己的财务状况、有效地与债权人沟通和遵守约定的条款，公司可以顺利度过艰难的财务时期。最终，这一过程不仅有助于债务解决，还促进了企业的长期可持续性，确保其能够继续运营和发展。通过采取正确的步骤，公司可以将潜在的灾难性局面转变为可管理的局面，从而在未来培养更健康的财务实践。