deferred payment

简明释义

逾期付款

英英释义

例句

1.The contractor agreed to a deferred payment schedule for the construction project.

承包商同意为建筑项目制定分期付款计划。

2.Many students choose deferred payment options for their tuition fees after graduation.

许多学生选择在毕业后为学费提供分期付款选项。

3.Retailers often provide deferred payment options during holiday sales to boost customer purchases.

零售商通常在假日促销期间提供分期付款选项，以促进客户购买。

4.The company offered a deferred payment plan to help customers manage their expenses more easily.

公司提供了一个分期付款计划，以帮助客户更轻松地管理他们的开支。

5.With the deferred payment agreement, the client can pay in installments over six months.

通过分期付款协议，客户可以在六个月内分期付款。

作文

In today's fast-paced world, financial transactions have evolved significantly, leading to the emergence of various payment methods. One such method that has gained popularity is the concept of deferred payment (延期付款). This arrangement allows consumers to purchase goods or services immediately while deferring the actual payment to a later date. This essay will explore the advantages and disadvantages of deferred payment and its impact on both consumers and businesses.Firstly, the primary advantage of deferred payment is that it provides consumers with immediate access to products or services without the need for upfront payment. For instance, when purchasing expensive electronics or furniture, many consumers may not have enough cash on hand to make the purchase outright. With a deferred payment option, they can acquire the item they desire and pay for it over time, making it more manageable for their budgets. This flexibility can enhance consumer satisfaction and encourage spending, which is beneficial for the economy.Moreover, deferred payment plans often come with promotional offers, such as interest-free periods or discounts for early payment. These incentives can attract more customers and increase sales for businesses. Retailers and service providers can use deferred payment options as a marketing tool to differentiate themselves from competitors, thereby gaining a larger market share.However, there are also significant drawbacks to consider. One major concern is that consumers may overextend themselves financially when using deferred payment options. The allure of immediate gratification can lead to impulsive purchases, resulting in debt accumulation. If individuals are unable to meet their future payment obligations, they may face penalties, increased interest rates, or even damage to their credit scores. This scenario can create a cycle of debt that is difficult to escape, affecting their financial stability in the long run.Additionally, businesses that offer deferred payment plans must also consider the risks involved. While these plans can boost sales, they can also lead to cash flow issues if a significant number of customers default on their payments. Companies may need to allocate resources for collections and manage the potential loss from unpaid debts. Therefore, it is crucial for businesses to conduct thorough assessments of their target market and implement responsible lending practices when offering deferred payment options.In conclusion, deferred payment (延期付款) is a financial tool that provides both benefits and challenges for consumers and businesses alike. While it enables consumers to make purchases without immediate financial burden, it also poses risks of overspending and accumulating debt. For businesses, it can be a powerful marketing strategy, but it requires careful management to mitigate potential losses. As the landscape of consumer finance continues to evolve, understanding the implications of deferred payment will be essential for making informed decisions in both personal and business finances.