bad debt

简明释义

死帐

英英释义

例句

1.After the economic downturn, many businesses faced an increase in bad debt.

经济衰退后，许多企业面临着坏账增加的问题。

2.The accountant explained that bad debt can negatively impact a business's cash flow.

会计解释说，坏账会对企业的现金流产生负面影响。

3.To manage risks, the bank closely monitors its portfolio for signs of bad debt.

为了管理风险，银行密切监控其投资组合中可能出现的坏账迹象。

4.Investors are wary of firms with high levels of bad debt, as it indicates poor financial health.

投资者对高水平坏账的公司心存警惕，因为这表明财务健康状况不佳。

5.The company had to write off a significant amount of bad debt due to customers defaulting on their loans.

由于客户违约，公司不得不注销一笔可观的坏账。

作文

In the world of finance and business, the term bad debt refers to money that is unlikely to be collected. It represents a significant concern for businesses, as it can impact cash flow and overall financial health. Understanding bad debt is crucial for anyone involved in managing finances, whether on a personal or corporate level.When a customer purchases goods or services on credit, there is an expectation that they will pay back the amount owed within a specified time frame. However, there are instances when customers fail to fulfill their obligations, leading to what is classified as bad debt. This situation may arise due to various factors, including financial difficulties faced by the customer, bankruptcy, or even disputes regarding the quality of the goods or services provided.For businesses, accumulating bad debt can have dire consequences. It not only affects the immediate cash flow but also complicates future financial planning. Companies often have to set aside reserves to cover potential bad debt, which can limit their ability to invest in growth opportunities. Additionally, high levels of bad debt may signal to investors and stakeholders that a company is not managing its credit risk effectively, which can harm its reputation and market value.To mitigate the risks associated with bad debt, businesses must implement robust credit policies. This includes conducting thorough background checks on potential customers, assessing their creditworthiness, and setting appropriate credit limits. Regular monitoring of accounts receivable is also essential to identify any signs of trouble early on. By staying proactive, companies can reduce the likelihood of encountering bad debt and manage their resources more efficiently.On a personal finance level, individuals can also face bad debt situations, particularly when borrowing from friends, family, or financial institutions. If a borrower fails to repay their debts, it can strain relationships and lead to financial instability for both parties. It is crucial for individuals to assess their ability to repay before taking on debt and to communicate openly with lenders if they encounter difficulties.In conclusion, bad debt is a significant issue that affects both businesses and individuals. It can disrupt financial stability and hinder growth if not managed properly. By understanding the implications of bad debt and adopting effective strategies to minimize its occurrence, entities can protect their financial health and ensure sustainable operations. Ultimately, awareness and proactive management of bad debt can pave the way for a more secure financial future.

在金融和商业的世界中，术语坏账指的是不太可能收回的钱。这对于企业来说是一个重要的关注点，因为它会影响现金流和整体财务健康。理解坏账对于任何参与财务管理的人来说都是至关重要的，无论是在个人还是企业层面。当客户以信用方式购买商品或服务时，通常期望他们在规定的时间内偿还所欠款项。然而，有时客户未能履行其义务，导致被归类为坏账。这种情况可能由于多种因素引起，包括客户面临的财务困难、破产，甚至是关于所提供商品或服务质量的争议。对于企业而言，积累坏账可能会产生严重后果。它不仅影响即时现金流，还会使未来财务规划变得复杂。企业通常需要预留资金以覆盖潜在的坏账，这可能限制它们投资增长机会的能力。此外，高水平的坏账可能向投资者和利益相关者发出信号，表明公司未有效管理其信用风险，这可能损害其声誉和市场价值。为了减轻与坏账相关的风险，企业必须实施强有力的信用政策。这包括对潜在客户进行全面的背景调查，评估他们的信用worthiness，并设定适当的信用额度。定期监控应收账款也很重要，以便及早识别任何问题迹象。通过保持主动，企业可以减少遇到坏账的可能性，更有效地管理资源。在个人财务层面，个人也可能面临坏账情况，特别是在向朋友、家人或金融机构借款时。如果借款人未能偿还债务，可能会加剧关系紧张，并导致双方的财务不稳定。个人在承担债务之前评估自己的偿还能力，并在遇到困难时与贷方进行开放沟通是至关重要的。总之，坏账是一个显著的问题，影响着企业和个人。如果不加以妥善管理，它可能会扰乱财务稳定并阻碍增长。通过理解坏账的影响并采取有效策略来最小化其发生，实体可以保护其财务健康并确保可持续运营。最终，对坏账的认识和主动管理可以为更安全的财务未来铺平道路。