demand note

简明释义

即期票据

英英释义

例句

1.The attorney prepared a demand note to initiate legal proceedings for unpaid wages.

律师准备了一份要求还款通知，以启动针对未支付工资的法律程序。

2.He received a demand note from the credit card company for his outstanding balance.

他收到了信用卡公司发来的要求还款通知，要求支付未结余额。

3.A demand note can be used to collect debts from clients who have overdue invoices.

可以使用要求还款通知向有逾期发票的客户收取债务。

4.After several months of non-payment, the landlord sent a demand note to the tenant.

在几个月未付款后，房东向租户发送了一份要求还款通知。

5.The bank issued a demand note to the borrower for immediate repayment.

银行向借款人发出了要求还款通知，要求立即还款。

作文

In the world of finance and banking, various terms and instruments are used to facilitate transactions and manage credit. One such term is demand note, which refers to a type of promissory note that is payable on demand. This means that the lender can request repayment at any time, and the borrower must fulfill this request. Understanding the implications of a demand note is crucial for both lenders and borrowers, as it affects cash flow, liquidity, and financial planning.A demand note is typically used in situations where flexibility is needed. For instance, businesses may issue demand notes to raise short-term capital. This allows them to meet immediate financial obligations without committing to a long-term loan. The lender benefits from this arrangement as well, since they have the right to call the loan whenever they see fit, ensuring they can access their funds when necessary.The interest rates associated with demand notes can vary significantly based on the creditworthiness of the borrower and the prevailing market conditions. Generally, these notes might carry higher interest rates compared to traditional loans, reflecting the increased risk taken by the lender. Borrowers should carefully consider the terms of a demand note before entering into an agreement, as the obligation to repay on demand can lead to unexpected financial strain.Furthermore, the legal framework surrounding demand notes is essential to understand. In many jurisdictions, the specific rights and responsibilities of both parties are outlined in the agreement. For instance, if a lender chooses to call a demand note, they must typically provide notice to the borrower. This notice period can vary, but it is often stipulated in the terms of the note itself. Failure to adhere to these legal requirements can lead to disputes and complications, making it imperative for both parties to be well-informed.From a practical perspective, managing a demand note requires careful monitoring of cash flows. Borrowers need to ensure they have sufficient liquidity to cover potential demands for repayment, while lenders must assess their own financial position to determine when it might be appropriate to call the note. This dynamic relationship plays a significant role in the overall health of both parties' finances.In summary, a demand note serves as a vital instrument in the realm of finance, providing flexibility and immediate access to funds. However, it also comes with inherent risks and responsibilities that both lenders and borrowers must navigate. By understanding the nature of demand notes and their implications, individuals and businesses can make informed decisions that align with their financial goals. Whether you are looking to borrow or lend, being knowledgeable about demand notes can enhance your financial literacy and empower you to engage more effectively in financial transactions.

在金融和银行的世界中，各种术语和工具被用来促进交易和管理信贷。其中一个术语是demand note，指的是一种可按要求支付的本票。这意味着贷方可以随时要求偿还，而借款人必须满足这一要求。理解demand note的含义对贷方和借款人都至关重要，因为它影响现金流、流动性和财务规划。demand note通常用于需要灵活性的情况。例如，企业可能会发行demand notes以筹集短期资本。这使他们能够满足立即的财务义务，而不必承诺长期贷款。贷方也从这种安排中受益，因为他们有权随时要求偿还贷款，从而确保他们能够在必要时获得资金。与demand notes相关的利率可能因借款人的信用状况和市场条件的变化而显著不同。一般来说，这些票据的利率可能比传统贷款高，反映了贷方承担的更大风险。借款人在签订协议之前应仔细考虑demand note的条款，因为按要求偿还的义务可能导致意想不到的财务压力。此外，围绕demand notes的法律框架也是理解的关键。在许多司法管辖区，双方的具体权利和责任在协议中列明。例如，如果贷方选择要求偿还demand note，他们通常必须通知借款人。这个通知期可能会有所不同，但通常在票据的条款中规定。不遵守这些法律要求可能会导致争议和复杂情况，因此双方都必须充分了解。从实际角度来看，管理demand note需要仔细监控现金流。借款人需要确保他们有足够的流动性来应对可能的偿还要求，而贷方则必须评估自己的财务状况，以确定何时适合要求偿还。这种动态关系在双方财务的整体健康中发挥着重要作用。总之，demand note作为金融领域的重要工具，为灵活性和即时资金获取提供了保障。然而，它也伴随着固有的风险和责任，贷方和借款人都必须应对。通过理解demand notes的性质及其影响，个人和企业能够做出符合其财务目标的明智决策。无论您是寻求借款还是借出，了解demand notes都能提升您的财务素养，使您能够更有效地参与金融交易。