installment account payable

简明释义

应付分期帐款

英英释义

例句

1.The company recorded the new machinery purchase as an installment account payable to manage cash flow better.

公司将新购置的机械设备记录为分期应付账款以更好地管理现金流。

2.Our finance team needs to ensure that all installment accounts payable are settled by the end of the quarter.

我们的财务团队需要确保所有的分期应付账款在季度末前结清。

3.We have set up an installment account payable for our new office furniture to spread out payments over time.

我们为新办公室家具设立了一个分期应付账款，以便分期付款。

4.When negotiating with suppliers, it's important to discuss the terms of the installment accounts payable.

在与供应商谈判时，讨论分期应付账款的条款非常重要。

5.The accountant prepared a report detailing the outstanding installment accounts payable for the management review.

会计准备了一份报告，详细列出了待支付的分期应付账款供管理层审阅。

作文

In the world of finance and accounting, understanding various terms and concepts is crucial for effective management and decision-making. One such term that often arises in discussions about payment methods and credit management is installment account payable. This term refers to a liability account that represents amounts owed to creditors for goods or services purchased on credit, which are to be paid in installments over time. In this essay, we will delve deeper into the meaning of installment account payable, its significance in financial management, and how it affects both businesses and consumers.To begin with, let’s break down the term itself. An 'installment' implies that the total amount owed is divided into smaller, manageable payments rather than being paid in one lump sum. This can be particularly beneficial for businesses that may not have sufficient cash flow at the time of purchase. By allowing payments to be made over a specified period, companies can acquire necessary assets or inventory without straining their finances.The 'account payable' part of the term signifies that these amounts are liabilities on a company’s balance sheet. When a business purchases goods or services on credit, it incurs an obligation to pay the supplier at a later date. This creates an 'account payable' which, when structured as an installment, becomes an installment account payable. The significance of installment account payable extends beyond mere definitions; it plays a critical role in cash flow management. For instance, if a company needs to purchase machinery but lacks the immediate funds, it can negotiate a payment plan with the supplier. This arrangement allows the business to utilize the machinery to generate revenue while simultaneously managing its debt obligations through scheduled payments. This strategic approach can enhance a firm's liquidity and operational efficiency.Moreover, installment account payable can also impact a company's credit rating. Timely payments on these accounts can improve a company's creditworthiness, making it easier to secure financing in the future. Conversely, late payments can lead to penalties, increased interest rates, and a negative impact on credit scores. Therefore, diligent management of installment account payable is essential for maintaining healthy financial relationships with suppliers and lending institutions.From a consumer perspective, installment account payable is equally relevant. Many consumers engage in installment agreements when purchasing high-ticket items such as electronics, vehicles, or furniture. These agreements allow individuals to spread out the cost of a purchase over several months or years, making it more affordable. However, consumers must be cautious; failure to adhere to the payment schedule can result in additional fees, interest charges, and damage to their credit rating.In conclusion, the concept of installment account payable is a fundamental aspect of both business and personal finance. It provides a flexible payment option that can facilitate purchasing and cash flow management. Understanding how to effectively manage these accounts can lead to improved financial health for both businesses and consumers. As the landscape of finance continues to evolve, the importance of comprehending terms like installment account payable will remain paramount for anyone involved in financial decision-making. By mastering this concept, individuals and organizations can navigate the complexities of credit and payments with greater confidence and success.

在金融和会计的世界中，理解各种术语和概念对于有效的管理和决策至关重要。一个在讨论支付方式和信用管理时经常出现的术语是分期应付账款。这个术语指的是一种负债账户，表示因以信用购买商品或服务而欠债权人的金额，这些金额将在一段时间内分期支付。在这篇文章中，我们将深入探讨分期应付账款的含义、它在财务管理中的重要性，以及它如何影响企业和消费者。首先，让我们拆解一下这个术语。'分期'意味着所欠的总金额分为较小的、可管理的付款，而不是一次性支付。这对于可能在购买时没有足够现金流的企业尤其有利。通过允许在特定的时间内进行付款，公司可以在不对其财务造成压力的情况下获取必要的资产或库存。术语中的'应付账款'部分意味着这些金额是公司资产负债表上的负债。当企业赊账购买商品或服务时，它就产生了在未来某个时间向供应商支付的义务。这创建了一个'应付账款'，当作为分期付款结构时，就成为了分期应付账款。分期应付账款的重要性超越了简单的定义；它在现金流管理中扮演着关键角色。例如，如果一家公司需要购买机械设备但缺乏即时资金，它可以与供应商谈判一个付款计划。这种安排使企业能够利用机械设备来产生收入，同时通过定期付款来管理其债务义务。这种战略方法可以增强公司的流动性和运营效率。此外，分期应付账款还可能影响公司的信用评级。及时支付这些账款可以改善公司的信用worthiness，使其更容易获得未来的融资。相反，逾期付款可能导致罚款、利率上升以及信用评分的负面影响。因此，认真管理分期应付账款对于维护与供应商和贷款机构之间的健康财务关系至关重要。从消费者的角度来看，分期应付账款同样相关。许多消费者在购买高价商品（如电子产品、汽车或家具）时会参与分期协议。这些协议允许个人在几个月或几年内分摊购买成本，使其更具可负担性。然而，消费者必须谨慎；未能遵守付款计划可能导致额外费用、利息费用和信用评级受损。总之，分期应付账款的概念是商业和个人财务的基本方面。它提供了一种灵活的支付选项，可以促进购买和现金流管理。理解如何有效管理这些账户可以改善企业和消费者的财务健康。随着金融环境的不断演变，理解像分期应付账款这样的术语的重要性将始终是任何参与财务决策的人的首要任务。通过掌握这一概念，个人和组织可以更自信、更成功地应对信用和支付的复杂性。