bad accounts

简明释义

呆帐;

英英释义

例句

1.To improve cash flow, we must focus on collecting from bad accounts 不良账户 more aggressively.

为了改善现金流，我们必须更加积极地收回来自bad accounts 不良账户的款项。

2.The finance department is currently reviewing the bad accounts 不良账户 to determine how much can be written off.

财务部门正在审查这些bad accounts 不良账户，以确定可以注销多少。

3.The manager suggested implementing stricter credit policies to minimize bad accounts 不良账户 in the future.

经理建议实施更严格的信用政策，以尽量减少未来的bad accounts 不良账户。

4.We need to address the issue of bad accounts 不良账户 before the end of the fiscal year.

在财年结束之前，我们需要解决bad accounts 不良账户的问题。

5.Our audit revealed several bad accounts 不良账户 that had been overlooked last year.

我们的审计发现了几笔去年被忽视的bad accounts 不良账户。

作文

In today's digital age, the concept of financial management has evolved significantly. One of the critical aspects that individuals and businesses must be aware of is the presence of bad accounts. These are accounts that either have a history of defaulting on payments or are deemed uncollectible due to various reasons. Understanding bad accounts is essential for maintaining a healthy financial status and ensuring sustainable growth. When we talk about bad accounts, we often think of accounts receivable that have not been paid for an extended period. For businesses, having too many bad accounts can lead to cash flow problems. This can hinder their ability to pay employees, invest in new projects, or even stay afloat during tough economic times. Therefore, identifying and managing bad accounts should be a priority for any business owner. One of the main reasons why accounts become bad accounts is the lack of proper credit assessment before extending credit to customers. Businesses often want to increase sales by offering credit, but if they do not assess the creditworthiness of potential clients, they may end up with numerous unpaid invoices. It is crucial to conduct thorough background checks and credit assessments to minimize the risk of encountering bad accounts. Another reason for the rise of bad accounts is poor communication between businesses and their clients. Sometimes, clients may genuinely forget to make payments due to oversight or miscommunication. Establishing a clear communication channel can help remind clients of their dues and prevent accounts from becoming bad accounts. Regular follow-ups and reminders can encourage timely payments and reduce the number of bad accounts a business has to deal with. Moreover, businesses should also implement a robust collection process for dealing with bad accounts. This may involve sending reminder letters, making phone calls, or even hiring collection agencies if necessary. The goal should always be to recover the outstanding amounts while maintaining a professional relationship with the client. However, it is essential to know when to cut losses and write off accounts that are beyond recovery. In addition to affecting cash flow, bad accounts can also impact a company's reputation. If a business is known for having numerous bad accounts, it may deter potential clients from engaging with them. A company’s credibility is often tied to its financial health, and having a high percentage of bad accounts can paint a negative picture in the eyes of stakeholders. To mitigate the risks associated with bad accounts, companies can adopt several strategies. For instance, they can require upfront payments for new clients or limit the amount of credit extended based on the customer's payment history. Additionally, businesses can consider using technology to automate invoicing and payment reminders, ensuring that clients receive timely notifications regarding their dues. In conclusion, understanding and managing bad accounts is vital for both individuals and businesses. By taking proactive steps to assess creditworthiness, maintain communication, and implement effective collection strategies, one can significantly reduce the number of bad accounts and ensure better financial health. Ultimately, the goal is to create a system that minimizes risk and fosters positive relationships with clients while maintaining a steady cash flow.

在当今数字时代，财务管理的概念发生了显著变化。个人和企业必须意识到的一个关键方面是存在坏账。这些账户要么有违约付款的历史，要么由于各种原因被认为无法收回。理解坏账对于保持健康的财务状况和确保可持续增长至关重要。当我们谈论坏账时，我们通常会想到那些长时间未支付的应收账款。对于企业来说，拥有过多的坏账可能导致现金流问题。这可能会妨碍他们支付员工、投资新项目，甚至在经济困难时期维持生存。因此，识别和管理坏账应该是任何企业主的首要任务。造成账户成为坏账的主要原因之一是在向客户提供信用之前缺乏适当的信用评估。企业往往希望通过提供信用来增加销售，但如果他们不评估潜在客户的信用worthiness，他们可能会面临大量未支付的发票。进行彻底的背景调查和信用评估对于最小化遇到坏账的风险至关重要。此外，坏账的增加还与企业与客户之间的沟通不畅有关。有时候，客户可能因为疏忽或沟通不当而忘记付款。建立清晰的沟通渠道可以帮助提醒客户他们的欠款，并防止账户成为坏账。定期跟进和提醒可以鼓励及时付款，从而减少企业需要处理的坏账数量。此外，企业还应实施强有力的催收流程来处理坏账。这可能涉及发送催款信、打电话，甚至在必要时雇佣催收机构。目标始终是追回未付款项，同时与客户保持专业关系。然而，知道何时止损并注销无法回收的账户也是至关重要的。除了影响现金流之外，坏账还可能影响公司的声誉。如果一家企业以拥有大量坏账而闻名，可能会阻止潜在客户与其合作。公司的信誉通常与其财务健康状况相关联，而高比例的坏账可能会在利益相关者眼中描绘出消极的形象。为了减轻与坏账相关的风险，公司可以采取几种策略。例如，他们可以要求新客户提前付款，或根据客户的付款历史限制提供的信用额度。此外，企业可以考虑使用技术来自动化开票和付款提醒，确保客户及时收到有关欠款的通知。总之，理解和管理坏账对个人和企业都至关重要。通过采取主动措施评估信用worthiness、保持沟通以及实施有效的催收策略，可以显著减少坏账的数量，并确保更好的财务健康。最终目标是创建一个最小化风险并促进与客户之间积极关系的系统，同时保持稳定的现金流。