deferred payment

简明释义

延期付款

英英释义

例句

1.The contractor offered a deferred payment schedule to help the homeowner with cash flow.

承包商提供了一个延期付款时间表，以帮助房主应对现金流问题。

2.The company offered a deferred payment plan for customers who couldn't afford to pay upfront.

公司为无法一次性支付的客户提供了延期付款计划。

3.In some cases, deferred payment can lead to higher overall costs due to interest.

在某些情况下，延期付款可能会因利息而导致总体成本增加。

4.Many students rely on deferred payment arrangements to manage their tuition fees.

许多学生依靠延期付款安排来管理学费。

5.After discussing the terms, we agreed on a deferred payment option for the new equipment.

在讨论条款后，我们同意对新设备采用延期付款选项。

作文

In today's fast-paced world, the concept of finance has evolved significantly, providing various options for consumers to manage their expenditures. One such option that has gained popularity is the idea of deferred payment (延期付款). This financial arrangement allows individuals to purchase goods or services and delay the payment until a later date. Understanding the implications of deferred payment is crucial for consumers and businesses alike, as it can have both positive and negative effects on financial health.Deferred payment plans are often offered by retailers and service providers as a way to attract customers. For instance, when purchasing a new car, a dealership may offer a deferred payment plan that allows buyers to drive off the lot without making an immediate payment. Instead, the buyer agrees to start making payments after a specified period, often ranging from a few months to a year. This can be particularly appealing for those who may not have the funds available at the time of purchase but anticipate having them in the future.From a consumer perspective, deferred payment options can provide significant advantages. They allow individuals to manage their cash flow more effectively, enabling them to make necessary purchases without immediate financial strain. For example, a student might need a laptop for their studies but may not have enough savings. By opting for a deferred payment plan, they can acquire the laptop and pay for it once they receive their student loans or part-time job earnings.However, it is essential to approach deferred payment arrangements with caution. While they can offer flexibility, they also come with risks. Consumers may find themselves in a situation where they are unable to make the deferred payment when it comes due. This can lead to late fees, increased interest rates, or even damage to one’s credit score. It is vital for consumers to assess their financial situation realistically before agreeing to such terms.On the business side, offering deferred payment options can be a double-edged sword. While it can increase sales and customer satisfaction, it also poses risks for the company. If too many customers default on their payments, it can impact the business's cash flow and overall profitability. Therefore, businesses must carefully evaluate their customer base and the potential risks associated with offering deferred payment plans.Moreover, the legal implications surrounding deferred payment agreements should not be overlooked. Both parties must understand the terms and conditions clearly. This includes the duration of the deferment, any applicable interest rates, and what happens in the event of non-payment. Clear communication and transparency can help prevent disputes and ensure that both consumers and businesses are protected.In conclusion, the concept of deferred payment (延期付款) presents a valuable tool for managing finances in today's economic landscape. It offers consumers the opportunity to make necessary purchases while allowing businesses to attract more customers. However, both parties must approach these arrangements with care, understanding the potential benefits and risks involved. When used wisely, deferred payment can be an effective strategy for achieving financial goals, but it requires discipline and foresight to navigate successfully.

在当今快节奏的世界中，金融的概念已经显著演变，为消费者提供了多种管理支出的选择。其中一个越来越受欢迎的选项是延期付款（deferred payment）的概念。这种金融安排允许个人购买商品或服务，并将付款延迟到以后的日期。理解延期付款的含义对消费者和企业来说都至关重要，因为它对财务健康可能产生积极和消极的影响。零售商和服务提供商通常提供延期付款计划，以吸引顾客。例如，在购买新车时，经销商可能会提供延期付款计划，允许买家在不立即付款的情况下开走汽车。相反，买家同意在规定的期限后开始付款，通常从几个月到一年不等。这对于那些在购买时可能没有可用资金但预计将来会有资金的人来说尤其有吸引力。从消费者的角度来看，延期付款选项可以提供显著的优势。它们使个人能够更有效地管理现金流，使他们能够在没有立即财务压力的情况下进行必要的购买。例如，一名学生可能需要一台笔记本电脑用于学习，但可能没有足够的储蓄。通过选择延期付款计划，他们可以获得笔记本电脑，并在收到学生贷款或兼职工作收入后再付款。然而，必须谨慎对待延期付款安排。虽然它们可以提供灵活性，但也伴随着风险。消费者可能会发现自己在到期时无法进行延期付款。这可能导致滞纳金、利率上升，甚至损害个人信用评分。因此，消费者在同意这些条款之前，务必要现实地评估自己的财务状况。在商业方面，提供延期付款选项可能是一把双刃剑。虽然它可以增加销售和客户满意度，但也给公司带来了风险。如果太多客户未能按时付款，则可能会影响企业的现金流和整体盈利能力。因此，企业必须仔细评估其客户基础以及提供延期付款计划所涉及的潜在风险。此外，关于延期付款协议的法律含义也不容忽视。双方必须清楚地理解条款和条件。这包括延期的持续时间、任何适用的利率以及在未付款的情况下会发生什么。明确的沟通和透明度可以帮助防止争议，并确保消费者和企业都受到保护。总之，延期付款（deferred payment）这一概念在当今经济环境中为管理财务提供了宝贵的工具。它为消费者提供了机会，让他们能够进行必要的购买，同时让企业吸引更多客户。然而，双方必须谨慎对待这些安排，理解潜在的好处和风险。当明智地使用时，延期付款可以成为实现财务目标的有效策略，但成功驾驭需要自律和远见。