balance of indebtedness

简明释义

债务余额

英英释义

例句

1.A high balance of indebtedness 债务余额 can lead to financial instability for individuals and businesses.

高 债务余额 balance of indebtedness 可能导致个人和企业的财务不稳定。

2.The government is implementing measures to manage the national balance of indebtedness 债务余额 more effectively.

政府正在采取措施更有效地管理国家的 债务余额 balance of indebtedness。

3.Investors are concerned about the rising balance of indebtedness 债务余额 in emerging markets.

投资者对新兴市场日益上升的 债务余额 balance of indebtedness 感到担忧。

4.To improve their credit score, they need to reduce their balance of indebtedness 债务余额 by paying off some loans.

为了提高他们的信用评分，他们需要通过偿还一些贷款来减少他们的 债务余额 balance of indebtedness。

5.The company's financial report showed a significant increase in the balance of indebtedness 债务余额 compared to last year.

公司的财务报告显示，与去年相比，债务余额 balance of indebtedness 显著增加。

作文

In today's complex financial landscape, understanding the concept of balance of indebtedness is crucial for both individuals and businesses. The balance of indebtedness (债务余额) refers to the total amount of money that a person or organization owes at a given point in time. It encompasses all forms of debt, including loans, credit card balances, and any other financial obligations. As we navigate through our financial decisions, it is essential to keep this balance in check to maintain financial health and stability.For individuals, managing the balance of indebtedness is vital for achieving long-term financial goals. High levels of debt can lead to stress and anxiety, impacting both personal and professional lives. For instance, a young professional might take out student loans to fund their education. While this investment in education can lead to better job opportunities, it also creates a significant balance of indebtedness that must be managed carefully. If the individual fails to make timely payments, they risk falling into a cycle of debt that could hinder their future financial prospects.On a larger scale, businesses also need to monitor their balance of indebtedness closely. Companies often rely on loans to finance operations, expand their reach, or invest in new technologies. However, an excessive balance of indebtedness can jeopardize a company's stability. For example, if a company borrows heavily to fund expansion but fails to generate sufficient revenue to cover its debt obligations, it may face bankruptcy. Therefore, maintaining a healthy balance of indebtedness is critical for sustainable growth and operational success.Moreover, understanding the implications of the balance of indebtedness extends beyond just numbers. It involves making informed decisions about borrowing and spending. Financial literacy plays a crucial role in this process. Individuals and business owners alike must educate themselves about interest rates, repayment terms, and the overall impact of debt on their financial well-being. By doing so, they can make strategic choices that align with their financial goals and minimize their balance of indebtedness over time.Another important aspect to consider is the relationship between the balance of indebtedness and credit scores. A high balance of indebtedness can negatively affect credit ratings, making it more challenging to secure loans in the future. Lenders typically assess an individual's or a company's debt-to-income ratio when determining creditworthiness. Therefore, keeping the balance of indebtedness manageable is not only beneficial for current financial health but also essential for future borrowing potential.In conclusion, the balance of indebtedness holds significant importance in both personal and business finance. Understanding what it entails and how to manage it effectively can lead to improved financial health and stability. Whether you are an individual trying to pay off student loans or a business owner seeking to expand operations, being mindful of your balance of indebtedness is key to achieving your financial aspirations. By prioritizing financial literacy, making informed decisions, and maintaining a healthy balance of indebtedness, one can pave the way toward a more secure financial future.

在当今复杂的金融环境中，理解“balance of indebtedness”这一概念对个人和企业来说至关重要。balance of indebtedness（债务余额）指的是某个人或组织在特定时间点所欠的总金额。它包括所有形式的债务，包括贷款、信用卡余额以及其他任何财务义务。在我们进行财务决策时，保持这个余额在可控范围内是维护财务健康和稳定的重要条件。对于个人而言，管理balance of indebtedness对于实现长期财务目标至关重要。高水平的债务可能导致压力和焦虑，影响个人和职业生活。例如，一位年轻的专业人士可能会为了资助自己的教育而借取学生贷款。虽然这种对教育的投资可以带来更好的工作机会，但它也会产生显著的balance of indebtedness，需要仔细管理。如果个人未能按时还款，他们可能会陷入债务循环，从而阻碍未来的财务前景。在更大范围内，企业也需要密切监控其balance of indebtedness。公司通常依赖贷款来融资运营、扩大市场或投资新技术。然而，过高的balance of indebtedness可能会危及公司的稳定性。例如，如果一家公司为了扩展而大量借贷，但未能产生足够的收入来覆盖其债务义务，它可能面临破产。因此，维持健康的balance of indebtedness对于可持续增长和运营成功至关重要。此外，理解balance of indebtedness的影响不仅仅是数字问题。它涉及到关于借贷和消费的明智决策。金融素养在这个过程中发挥着关键作用。个人和企业主都必须提高对利率、还款条款以及债务对其财务健康整体影响的认识。通过这样做，他们可以做出与财务目标一致的战略选择，并在时间上减少其balance of indebtedness。另一个重要方面是balance of indebtedness与信用评分之间的关系。高的balance of indebtedness可能会对信用评级产生负面影响，使得未来获得贷款变得更加困难。贷方通常在评估个人或公司信用worthiness时，会考虑其债务与收入之比。因此，保持balance of indebtedness在可控范围内不仅对当前财务健康有益，而且对未来的借贷潜力至关重要。总之，balance of indebtedness在个人和商业财务中具有重要意义。理解它的含义以及如何有效管理它，可以改善财务健康和稳定性。无论你是试图偿还学生贷款的个人，还是寻求扩展业务的企业主，关注你的balance of indebtedness是实现财务愿望的关键。通过优先考虑金融素养、做出明智的决策以及维持健康的balance of indebtedness，人们可以为更安全的财务未来铺平道路。