outstanding cheque

简明释义

未付支票

英英释义

例句

1.The accountant informed me that there was an outstanding cheque 未清支票 from last month that hasn't cleared yet.

会计告诉我，上个月有一张未清支票尚未结算。

2.Make sure to follow up on any outstanding cheque 未清支票 payments that are overdue.

确保跟进任何逾期的未清支票付款。

3.Before closing the books for the month, we should reconcile all outstanding cheques 未清支票.

在本月结束账目之前，我们应该核对所有的未清支票。

4.The vendor called to ask about the outstanding cheque 未清支票 they issued last week.

供应商打电话询问他们上周发出的未清支票。

5.I need to check my bank statement for any outstanding cheque 未清支票 that I might have forgotten about.

我需要查看我的银行对账单，以查找我可能忘记的任何未清支票。

作文

In the world of finance and banking, various terms are used to describe different types of transactions and financial instruments. One such term that often comes up is outstanding cheque. An outstanding cheque refers to a cheque that has been written and issued but has not yet been cashed or cleared by the bank. This means that although the funds have been deducted from the issuer's account, they are not yet reflected in the recipient's account. Understanding the implications of an outstanding cheque is crucial for both individuals and businesses alike.When someone writes a cheque, they are essentially instructing their bank to pay a specific amount of money to the person or entity named on the cheque. However, there can be a delay between the time the cheque is issued and the time it is deposited and cleared. During this period, the cheque is considered outstanding. This can lead to confusion, especially for those who may not keep track of their cheques carefully.For individuals managing their personal finances, having several outstanding cheques can create challenges. For instance, if a person writes multiple cheques without accounting for them, they might inadvertently overdraw their account. This could result in overdraft fees, penalties, or even bounced cheques, which can damage their credit score. Therefore, it is essential to maintain accurate records of all issued cheques and monitor their status regularly.Businesses face similar challenges with outstanding cheques. When a company issues a cheque to pay for goods or services, it must account for that payment in its financial statements. If the cheque remains outstanding for an extended period, it can affect the company's cash flow projections and financial health. Additionally, businesses need to reconcile their bank statements regularly to ensure that all issued cheques are accounted for and that they do not exceed their available funds.There are also legal implications associated with outstanding cheques. In many jurisdictions, if a cheque remains outstanding for a certain period, it may be considered stale-dated, meaning that the bank may refuse to honor it when presented for payment. This can lead to disputes between the issuer and the payee, especially if the payee was counting on receiving that payment. To avoid such situations, it is advisable for individuals and businesses to follow up on outstanding cheques and ensure they are cashed in a timely manner.In conclusion, understanding the concept of an outstanding cheque is vital for effective financial management. Whether you are an individual managing your personal finances or a business owner overseeing company expenses, being aware of the status of your cheques can help prevent financial mishaps. Keeping detailed records, regularly monitoring your accounts, and communicating with payees can mitigate the risks associated with outstanding cheques. Ultimately, good financial practices will lead to better control over your finances and a healthier financial future.

在金融和银行的世界中，使用各种术语来描述不同类型的交易和金融工具。其中一个常见的术语是未兑现支票。未兑现支票是指已经开出并发出的支票，但尚未被银行兑现或清算。这意味着，虽然资金已从出票人的账户中扣除，但尚未反映在收款人的账户中。理解未兑现支票的含义对于个人和企业都至关重要。当某人开出支票时，他们本质上是在指示他们的银行向支票上指定的人或实体支付特定金额。然而，从支票开出到存入并清算之间可能会有延迟。在此期间，支票被视为未兑现。这可能会导致混淆，尤其是对于那些可能没有仔细跟踪自己支票的人来说。对于管理个人财务的个人来说，拥有多个未兑现支票可能会带来挑战。例如，如果一个人开出多张支票而没有将其计入账户，他们可能会不小心透支账户。这可能导致透支费用、罚款，甚至支票跳票，这可能损害他们的信用评分。因此，保持对所有已开出支票的准确记录并定期监控其状态至关重要。企业在处理未兑现支票时也面临类似的挑战。当公司开出支票以支付商品或服务时，必须在其财务报表中计入该支付。如果支票长时间处于未兑现状态，可能会影响公司的现金流预测和财务健康。此外，企业需要定期对账，以确保所有已开出的支票都已计入，并且不会超过可用资金。与未兑现支票相关的法律问题也存在。在许多司法管辖区，如果支票在一定时间内保持未兑现，可能会被视为过期支票，这意味着银行可能会拒绝在支付时兑现。这可能导致出票人与收款人之间的争议，特别是如果收款人指望收到该付款。为了避免这种情况，个人和企业应及时跟进未兑现支票，确保它们能够及时兑现。总之，理解未兑现支票的概念对于有效的财务管理至关重要。无论您是管理个人财务的个人，还是监督公司支出的企业主，了解支票的状态可以帮助防止财务失误。保持详细记录、定期监控账户以及与收款人沟通可以降低与未兑现支票相关的风险。最终，良好的财务实践将导致更好的财务控制和更健康的财务未来。