running account

简明释义

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英英释义

例句

1.It's important to keep a running account of your transactions for accurate budgeting.

保持一份准确的流水账以便于预算管理是很重要的。

2.The accountant provided a detailed report of the running account for the last quarter.

会计提供了上个季度的详细流水账报告。

3.She prefers to use a running account to manage her personal finances.

她更喜欢使用流水账来管理个人财务。

4.You can check your running account balance online at any time.

您可以随时在线查看您的流水账余额。

5.The company maintains a running account to track all expenses throughout the year.

公司维持一个流水账来跟踪全年所有的开支。

作文

In the world of finance and accounting, the term running account refers to an account that continuously updates its balance as transactions occur. This type of account is particularly useful for businesses and individuals who engage in frequent transactions, allowing them to keep track of their financial activities in real-time. A running account can be seen as a dynamic ledger that reflects all incoming and outgoing funds, providing a clear picture of the current financial status at any given moment.For instance, consider a small business that sells products on credit. Each time a customer makes a purchase, the transaction is recorded in the running account, which updates the total amount owed by the customer. This allows the business owner to monitor outstanding debts and manage cash flow effectively. By having a running account, the business can quickly identify which customers have paid, which are overdue, and how much revenue has been generated over a specific period.Moreover, running accounts are not limited to businesses alone; individuals can also benefit from them. For example, a personal bank account often operates as a running account. As deposits and withdrawals are made, the account balance adjusts accordingly. This real-time tracking helps individuals manage their finances better by providing insights into spending habits and available funds. It enables them to plan budgets, save for future expenses, and avoid overdraft fees.In addition to personal and business finances, running accounts are commonly used in various sectors, including utilities and telecommunications. When a customer subscribes to a service, they may be given a running account where charges accumulate monthly. This allows customers to see their usage and costs in real-time, helping them make informed decisions about their consumption.The advantages of maintaining a running account are numerous. Firstly, it enhances transparency. Both businesses and individuals can see their financial activities at a glance, reducing the chances of errors or misunderstandings. Secondly, it aids in budgeting. By having a clear view of current balances and pending transactions, one can allocate resources more efficiently. Thirdly, it improves accountability. With a running account, it is easier to trace transactions, making it simpler to resolve disputes or discrepancies.However, managing a running account also comes with its challenges. One major concern is the need for consistent monitoring. Unlike static accounts that only update periodically, a running account requires regular attention to ensure accuracy and up-to-date information. This can be time-consuming, especially for businesses with high transaction volumes. Additionally, there is the risk of overspending. Since a running account provides real-time access to funds, individuals may be tempted to spend more than they should, leading to potential debt issues.In conclusion, a running account is an essential tool in modern finance, offering a real-time view of financial transactions for both individuals and businesses. Its ability to provide immediate updates on account balances fosters better financial management and decision-making. While there are challenges associated with maintaining a running account, the benefits it offers in terms of transparency, budgeting, and accountability make it a valuable asset in today’s fast-paced financial environment. Understanding how to effectively utilize a running account can significantly enhance one’s financial literacy and overall economic well-being.

在金融和会计的世界中，术语running account指的是一种随着交易发生而不断更新余额的账户。这种类型的账户对于进行频繁交易的企业和个人尤为有用，使他们能够实时跟踪财务活动。running account可以被视为一个动态账本，反映所有进出资金，为任何时刻提供当前财务状况的清晰图景。例如，考虑一家以信用销售产品的小型企业。每当客户进行购买时，交易就会记录在running account中，从而更新客户所欠的总金额。这使得企业主能够监控未付款项，并有效管理现金流。通过拥有running account，企业可以迅速识别哪些客户已付款，哪些逾期，以及在特定时期内产生了多少收入。此外，running account不仅限于企业；个人也可以从中受益。例如，个人银行账户通常作为running account运作。当存款和取款发生时，账户余额相应调整。这种实时跟踪帮助个人更好地管理财务，通过提供对消费习惯和可用资金的洞察，使他们能够规划预算、为未来开支储蓄并避免透支费用。除了个人和商业财务外，running account还常用于公用事业和电信等各个行业。当客户订阅服务时，他们可能会获得一个running account，其中费用每月累积。这使得客户能够实时查看他们的使用情况和费用，帮助他们对消费做出明智的决策。维护running account的优点有很多。首先，它增强了透明度。企业和个人都可以一目了然地看到他们的财务活动，减少了错误或误解的可能性。其次，它有助于预算编制。通过清晰了解当前余额和待处理交易，可以更有效地分配资源。第三，它提高了问责制。通过running account，追踪交易变得更加容易，从而简化了解决争议或差异的过程。然而，管理running account也面临挑战。一个主要问题是需要持续监控。与定期更新的静态账户不同，running account需要定期关注，以确保信息的准确性和及时性。这可能会耗费时间，尤其是对于交易量大的企业。此外，还有超支的风险。由于running account提供对资金的实时访问，个人可能会被诱惑超出应有的支出，从而导致潜在的债务问题。总之，running account是现代金融中的一种重要工具，为个人和企业提供了财务交易的实时视图。它能够立即更新账户余额，有助于更好的财务管理和决策。尽管维护running account存在一些挑战，但它在透明度、预算编制和问责制等方面所提供的好处，使其成为当今快节奏金融环境中的宝贵资产。理解如何有效利用running account可以显著提高个人的财务素养和整体经济福祉。