adverse balance

简明释义

收支赤字

英英释义

例句

1.After reviewing the accounts, the auditor noted an adverse balance that needed immediate attention.

审计员在审查账户后指出了一个需要立即关注的不利的余额。

2.The company reported an adverse balance in its financial statements, indicating a loss for the quarter.

公司在财务报表中报告了一个不利的余额，这表明本季度出现了亏损。

3.Managing an adverse balance effectively requires strategic financial planning.

有效管理不利的余额需要战略性的财务规划。

4.Due to unexpected expenses, we are facing an adverse balance in our budget this month.

由于意外支出，我们这个月的预算面临不利的余额。

5.The adverse balance in the project accounts raised concerns among the investors.

项目账户中的不利的余额引起了投资者的担忧。

作文

In today's world, financial literacy is more important than ever. Individuals and businesses alike must understand the implications of their financial decisions. One concept that often arises in discussions about finance is the term adverse balance, which refers to a situation where liabilities exceed assets, leading to a negative net worth. This condition can have serious repercussions for both personal finances and business operations.When an individual or a company has an adverse balance, it indicates that they owe more money than they own. For instance, if someone has a mortgage, credit card debt, and personal loans that total $100,000 but only has $80,000 in assets, they are facing an adverse balance. This imbalance can lead to increased stress, limited financial options, and potential bankruptcy if not addressed promptly.Understanding the causes of an adverse balance is crucial for anyone looking to improve their financial health. Common causes include overspending, lack of budgeting, unexpected expenses, and poor investment choices. For businesses, factors such as declining sales, high operational costs, and economic downturns can contribute to this troubling financial state. By identifying these causes, individuals and companies can take proactive steps to rectify their financial situations.To overcome an adverse balance, one must first conduct a thorough assessment of their financial position. This involves listing all assets and liabilities to gain a clear picture of where they stand. Once this assessment is complete, the next step is to create a budget that prioritizes debt repayment while also allowing for savings. This dual approach can help restore financial stability over time.For businesses, addressing an adverse balance may involve restructuring debts, reducing operational costs, or finding new revenue streams. Companies may also consider consulting with financial advisors to develop a strategic plan that focuses on achieving long-term profitability. By taking decisive action, businesses can turn their fortunes around and avoid the pitfalls associated with having an adverse balance.Moreover, it is essential to maintain a positive mindset during this challenging process. Financial recovery takes time, and setbacks may occur along the way. However, by staying committed to the plan and seeking support from financial experts or peer groups, individuals and businesses can work towards eliminating their adverse balance and building a more secure financial future.In conclusion, the term adverse balance signifies a critical issue that many face in their financial journeys. By understanding what it means, recognizing its causes, and taking actionable steps to address it, one can regain control over their finances. Whether for personal or business finances, overcoming an adverse balance is not just about reducing debt; it is about fostering a culture of financial responsibility and planning for a brighter, more stable future.

在当今世界，金融素养比以往任何时候都更为重要。个人和企业都必须理解其财务决策的影响。一个常常出现在财务讨论中的概念是“不利余额”，它指的是负债超过资产的情况，导致净资产为负。这种状况可能对个人财务和企业运营产生严重影响。当个人或公司有“不利余额”时，这表明他们所欠的钱超过了他们拥有的资产。例如，如果某人有一笔抵押贷款、信用卡债务和总计10万美元的个人贷款，但只有8万美元的资产，那么他们就面临着“不利余额”。这种失衡可能导致压力增加、财务选择有限，以及如果不及时解决则可能导致破产。理解“不利余额”的原因对任何希望改善财务健康的人来说都是至关重要的。常见原因包括过度消费、缺乏预算、意外支出和投资选择不当。对于企业而言，销售下降、高运营成本和经济衰退等因素也可能导致这种令人担忧的财务状态。通过识别这些原因，个人和公司可以采取主动措施来纠正其财务状况。要克服“不利余额”，首先必须对自己的财务状况进行全面评估。这涉及列出所有资产和负债，以清晰地了解自己的立场。一旦完成此评估，下一步是创建一个优先偿还债务的预算，同时允许储蓄。这种双重方法可以帮助随着时间的推移恢复财务稳定。对于企业来说，解决“不利余额”可能涉及重组债务、降低运营成本或寻找新的收入来源。公司还可以考虑咨询财务顾问，以制定一个专注于实现长期盈利的战略计划。通过采取果断行动，企业可以扭转局面，避免与“不利余额”相关的陷阱。此外，在这个具有挑战性的过程中保持积极的心态至关重要。财务恢复需要时间，途中可能会遇到挫折。然而，通过坚持计划并寻求财务专家或同行团体的支持，个人和企业可以努力消除“不利余额”，并建立一个更安全的财务未来。总之，“不利余额”这一术语标志着许多人在财务旅程中面临的一个关键问题。通过理解其含义、认识其原因并采取可行步骤来解决它，个人可以重新掌控自己的财务。无论是在个人还是商业财务方面，克服“不利余额”不仅仅是减少债务；而是培养一种财务责任感和规划更光明、更稳定未来的文化。