discounted bill

简明释义

贴现期票

英英释义

例句

1.Students can show their ID to receive a discounted bill at the local cinema.

学生可以出示他们的身份证在当地电影院获得一份折扣账单。

2.I was pleasantly surprised to find a discounted bill on my utility statement this month.

我很惊喜地发现这个月的水电账单上有一份折扣账单。

3.During the sale, all members received a discounted bill when checking out.

在促销期间，所有会员在结账时都收到了折扣账单。

4.The restaurant offered a discounted bill for customers who dined during happy hour.

这家餐厅为在欢乐时光用餐的顾客提供了折扣账单。

5.After the promotion, I received a discounted bill for my monthly subscription.

在促销结束后，我收到了我的月度订阅的折扣账单。

作文

In the world of finance and commerce, the term discounted bill refers to a financial instrument that is often used by businesses to manage their cash flow. A discounted bill is essentially a bill of exchange or a promissory note that is sold at a price lower than its face value. This process allows the seller to receive immediate cash while the buyer can benefit from paying less than the total amount due. Understanding the concept of a discounted bill is crucial for both individuals and companies as it plays a vital role in financial transactions.When a company needs funds quickly, it may choose to sell its discounted bill to a bank or a financial institution. The bank then pays the company the present value of the bill, which is calculated by deducting the discount rate from the total amount due. This method of financing is particularly useful for businesses that have short-term cash flow problems, allowing them to meet their immediate obligations without having to wait for payment from customers.The process of creating a discounted bill involves several steps. First, the seller must issue a bill of exchange, which outlines the amount due, the payment date, and the parties involved. Once the bill is created, the seller can approach a financial institution to negotiate the terms of the discount. The institution will evaluate the creditworthiness of the bill and determine an appropriate discount rate based on factors such as the time remaining until maturity and the risk associated with the transaction.One of the main advantages of using a discounted bill is that it provides liquidity to businesses. Instead of waiting for weeks or even months to receive payment from clients, companies can access funds immediately, allowing them to invest in new projects, pay suppliers, or cover operational costs. This quick access to cash can be a game-changer for small businesses that often struggle with cash flow issues.However, there are also some risks associated with discounted bills. If the buyer fails to pay the bill when it matures, the seller may be left with a loss. Additionally, the discount rate applied by the financial institution can vary widely, which means that companies need to shop around for the best terms. It is essential for businesses to carefully consider their options and understand the implications of selling a discounted bill before proceeding with the transaction.In conclusion, the concept of a discounted bill is an important aspect of financial management for businesses. By understanding how discounted bills work, companies can make informed decisions about managing their cash flow and ensuring their financial stability. Whether used as a short-term financing solution or a strategic tool for growth, discounted bills offer valuable opportunities for businesses to enhance their financial operations. As the economy continues to evolve, the relevance of discounted bills in facilitating trade and commerce remains significant, making it essential for entrepreneurs and business leaders to grasp this financial instrument's intricacies.

在金融和商业的世界中，术语折扣票据指的是一种金融工具，企业常用来管理现金流。折扣票据本质上是一种汇票或承诺书，以低于其面值的价格出售。这个过程使卖方能够立即获得现金，而买方则可以从支付少于到期总额中受益。理解折扣票据的概念对于个人和公司都是至关重要的，因为它在金融交易中发挥着重要作用。当一家公司需要快速资金时，它可能选择将其折扣票据出售给银行或金融机构。银行随后会向公司支付票据的现值，该现值是通过从到期总额中扣除折扣率计算得出的。这种融资方式对于面临短期现金流问题的企业尤为有用，使它们能够在等待客户付款之前，满足其即时义务。创建折扣票据的过程涉及几个步骤。首先，卖方必须签发一张汇票，列出到期金额、付款日期和相关方。一旦票据创建，卖方可以接洽金融机构以协商折扣条款。机构将评估票据的信用状况，并根据到期前剩余时间和交易相关风险等因素确定适当的折扣率。使用折扣票据的主要优势之一是为企业提供流动性。企业无需等待数周甚至数月才能收到客户的付款，可以立即获得资金，从而投资新项目、支付供应商或覆盖运营成本。这种快速获取现金的能力对于经常面临现金流问题的小企业来说，可以改变游戏规则。然而，折扣票据也存在一些风险。如果买方在到期时未能支付票据，卖方可能会面临损失。此外，金融机构应用的折扣率差异很大，这意味着公司需要四处比较以获得最佳条款。在进行交易之前，企业必须仔细考虑他们的选择，并理解出售折扣票据的影响。总之，折扣票据的概念是企业财务管理的重要方面。通过了解折扣票据的运作方式，公司可以就管理现金流和确保财务稳定做出明智的决定。无论是作为短期融资解决方案还是成长的战略工具，折扣票据为企业提升财务运营提供了宝贵的机会。随着经济的不断发展，折扣票据在促进贸易和商业中的相关性仍然显著，这使得企业家和商业领袖掌握这一金融工具的复杂性变得至关重要。