outstanding debt

简明释义

未清债务

英英释义

例句

1.The bank requires a plan for managing outstanding debt before approving the loan.

银行要求在批准贷款之前提供管理未偿债务的计划。

2.He was able to negotiate lower interest rates on his outstanding debt.

他成功地协商了其未偿债务的更低利率。

3.The company is struggling to pay off its outstanding debt.

这家公司在努力偿还其未偿债务。

4.She decided to consolidate her outstanding debt into a single loan.

她决定将她的未偿债务合并为一笔贷款。

5.Investors are worried about the firm's outstanding debt levels.

投资者对公司的未偿债务水平感到担忧。

作文

In today's financial landscape, understanding the concept of outstanding debt is crucial for both individuals and businesses. Outstanding debt refers to the amount of money that has been borrowed and is yet to be repaid. This can include various forms of debt such as loans, credit card balances, and mortgages. Managing outstanding debt effectively is essential for maintaining a healthy financial status and avoiding potential pitfalls associated with excessive borrowing.Many individuals find themselves in situations where they accumulate outstanding debt due to unforeseen circumstances such as medical emergencies, job loss, or unexpected expenses. For instance, a person may rely on credit cards to cover immediate costs, leading to a buildup of outstanding debt that can become overwhelming if not addressed promptly. It is vital for individuals to keep track of their borrowing and make timely payments to avoid high-interest rates and late fees.On the business front, companies often take on outstanding debt to finance growth initiatives, purchase inventory, or invest in new technologies. While leveraging debt can be a strategic move, it is important for businesses to monitor their outstanding debt levels closely. Excessive debt can lead to cash flow issues and even bankruptcy if a company is unable to meet its repayment obligations. Therefore, maintaining a balance between debt and equity financing is key to long-term sustainability.To manage outstanding debt, both individuals and businesses should consider creating a budget that outlines income and expenses. This budget can help identify areas where spending can be reduced, allowing for more funds to be allocated toward paying down outstanding debt. Additionally, prioritizing high-interest debts can significantly reduce the overall cost of borrowing over time.Another effective strategy for managing outstanding debt is to consolidate multiple debts into a single loan with a lower interest rate. This approach simplifies payments and can make it easier to track progress toward becoming debt-free. However, it is essential to carefully evaluate the terms of any consolidation loan to ensure it is a financially sound decision.Furthermore, seeking professional advice from financial advisors or credit counseling services can provide valuable insights into managing outstanding debt. These professionals can offer personalized strategies tailored to individual circumstances, helping to create a realistic plan for repayment.In conclusion, understanding and managing outstanding debt is an integral part of financial literacy. Whether for personal finance or business operations, being aware of one’s debt levels and implementing effective management strategies is essential for achieving financial stability. By taking proactive steps to address outstanding debt, individuals and businesses can pave the way for a more secure financial future.

在当今的金融环境中，理解“未偿债务”这一概念对于个人和企业来说至关重要。“未偿债务”是指已经借入但尚未偿还的金额。这可以包括各种形式的债务，如贷款、信用卡余额和抵押贷款。有效管理“未偿债务”对于维持健康的财务状况和避免与过度借贷相关的潜在陷阱至关重要。许多人发现自己由于不可预见的情况而积累了“未偿债务”，例如医疗紧急情况、失业或意外支出。例如，一个人可能会依赖信用卡来支付即时费用，从而导致“未偿债务”的积累，如果不及时解决，这种情况可能会变得压倒性。个人必须密切关注自己的借款情况，并按时还款，以避免高利率和滞纳金。在商业方面，公司通常会承担“未偿债务”以资助增长计划、购买库存或投资新技术。虽然利用债务可以是一种战略举措，但企业必须密切监控其“未偿债务”水平。过多的债务可能导致现金流问题，甚至破产，如果公司无法履行其还款义务。因此，在债务和股权融资之间保持平衡是实现长期可持续发展的关键。为了管理“未偿债务”，个人和企业应考虑制定预算，列出收入和支出。这份预算可以帮助识别可以减少的支出领域，从而使更多资金能够用于偿还“未偿债务”。此外，优先偿还高利率债务可以显著减少长期借贷的整体成本。管理“未偿债务”的另一个有效策略是将多项债务合并为一笔利率较低的贷款。这种方法简化了还款过程，并可以更容易地跟踪还款进度。然而，仔细评估任何合并贷款的条款至关重要，以确保这是一个财务上合理的决定。此外，寻求财务顾问或信用咨询服务的专业建议可以为管理“未偿债务”提供宝贵的见解。这些专业人士可以提供个性化的策略，针对个人情况，帮助制定切实可行的还款计划。总之，理解和管理“未偿债务”是财务知识的重要组成部分。无论是个人财务还是商业运营，了解自身的债务水平并实施有效的管理策略对于实现财务稳定至关重要。通过采取主动措施解决“未偿债务”，个人和企业可以为更安全的财务未来铺平道路。