negative balance

简明释义

逆差

英英释义

例句

1.After reviewing my bank statement, I noticed a negative balance 负余额 that I need to address immediately.

在查看我的银行对账单后，我注意到一个负余额 负余额，我需要立即处理。

2.A negative balance 负余额 can affect your credit score if not resolved quickly.

如果不及时解决，负余额 负余额可能会影响您的信用评分。

3.I had to transfer money from my savings account to cover the negative balance 负余额 in my checking account.

我不得不从我的储蓄账户转钱以覆盖支票账户中的负余额 负余额。

4.If your account has a negative balance 负余额, you may incur additional fees.

如果您的账户有负余额 负余额，您可能会产生额外费用。

5.The utility company suspended my service due to a negative balance 负余额 on my account.

由于我账户上的负余额 负余额，公用事业公司暂停了我的服务。

作文

In today's financial landscape, understanding the concept of a negative balance is crucial for individuals and businesses alike. A negative balance occurs when the amount of money owed exceeds the amount of money available in an account. This situation can arise in various contexts, such as personal banking, credit card usage, or business accounting. For instance, if a person has a checking account with a balance of $100 but writes a check for $150, they will end up with a negative balance of $50. This scenario illustrates how easily one can fall into debt if they do not manage their finances carefully.Understanding the implications of a negative balance is essential. When an account has a negative balance, it often leads to overdraft fees, which can significantly increase the amount owed. Banks typically charge these fees to discourage customers from spending more than they have. Additionally, a negative balance can negatively impact an individual's credit score. Credit scores are essential for obtaining loans, mortgages, and even securing rental agreements. A history of negative balances can signal to lenders that an individual may not be financially responsible, making it harder to secure future credit.Moreover, businesses must also be vigilant about maintaining a positive cash flow. A negative balance in a business account can indicate poor financial management or unexpected expenses. For example, if a company anticipates receiving a payment but the client delays, the business might find itself facing a negative balance if it has already spent that anticipated income. This situation can lead to severe consequences, including the inability to pay employees, suppliers, or other operational costs.To avoid falling into a negative balance, individuals and businesses should adopt prudent financial practices. Regularly monitoring bank accounts and creating budgets can help keep track of income and expenses. Utilizing financial management tools and apps can also aid in preventing overspending. Additionally, setting up alerts for low account balances can provide timely warnings before a negative balance occurs.In conclusion, a negative balance is more than just a number; it represents a state of financial distress that can have far-reaching consequences. Understanding what a negative balance means, how it can occur, and the potential repercussions is vital for anyone managing money. By taking proactive steps to monitor finances and avoid overspending, individuals and businesses can maintain healthy financial practices and prevent the pitfalls associated with a negative balance.

在当今的金融环境中，理解“负余额”这一概念对个人和企业来说至关重要。“负余额”是指欠款金额超过账户中可用金额的情况。这种情况可能出现在多种背景中，例如个人银行业务、信用卡使用或商业会计。例如，如果一个人的支票账户余额为100美元，但开了一张150美元的支票，他们将最终出现50美元的“负余额”。这个场景说明了如果不谨慎管理财务，一个人是多么容易陷入债务。理解“负余额”的影响至关重要。当账户出现“负余额”时，通常会导致透支费用，这可能会显著增加所欠金额。银行通常收取这些费用以劝阻客户超支。此外，“负余额”会对个人的信用评分产生负面影响。信用评分对于获得贷款、抵押贷款甚至租赁协议至关重要。历史上有“负余额”记录的人可能会向贷方发出信号，表明他们可能没有财务责任，从而使未来获得信用变得更加困难。此外，企业也必须警惕保持积极的现金流。“负余额”在企业账户中可能表明财务管理不善或意外支出。例如，如果一家公司预计收到一笔付款，但客户延迟支付，该企业可能会发现自己面临“负余额”，如果它已经花费了预期的收入。这种情况可能导致严重后果，包括无法支付员工、供应商或其他运营成本。为了避免陷入“负余额”，个人和企业应采取谨慎的财务做法。定期监控银行账户并制定预算可以帮助跟踪收入和支出。利用财务管理工具和应用程序也可以帮助防止超支。此外，为低账户余额设置警报可以在发生“负余额”之前提供及时警告。总之，“负余额”不仅仅是一个数字；它代表了一种财务困境状态，可能会产生深远的后果。理解“负余额”的含义、如何发生以及潜在的后果，对于任何管理资金的人来说都是至关重要的。通过采取积极措施监控财务和避免超支，个人和企业可以保持健康的财务实践，并防止与“负余额”相关的陷阱。