excess cash

简明释义

超额现金

英英释义

例句

1.With excess cash on hand, the firm was able to expand its operations into new markets.

由于手头有多余现金，公司能够将业务扩展到新市场。

2.The board agreed to distribute the excess cash to shareholders in the form of dividends.

董事会同意将多余现金以分红的形式分配给股东。

3.Investors often look for companies that have significant excess cash as it indicates financial health.

投资者通常寻找拥有大量多余现金的公司，因为这表明财务健康。

4.The company decided to invest its excess cash in new technology to improve efficiency.

公司决定将其多余现金投资于新技术以提高效率。

5.The startup used its excess cash to hire more developers and accelerate product development.

这家初创公司利用其多余现金招聘更多开发人员，加快产品开发。

作文

In the world of finance, businesses and individuals often find themselves in situations where they have more money than they need for immediate expenses. This situation is referred to as excess cash, which can be defined as the surplus funds available after all necessary expenditures have been covered. Understanding how to manage excess cash effectively is crucial for both personal finance and business operations.For individuals, having excess cash can provide a sense of security and freedom. It allows for unexpected expenses, such as medical emergencies or car repairs, without the need to rely on credit. However, simply holding onto cash without a plan can lead to missed opportunities. Inflation can erode the purchasing power of money over time, meaning that the value of excess cash may diminish if it is not invested wisely. Therefore, individuals should consider various options for utilizing their excess cash, such as investing in stocks, bonds, or real estate, which can potentially offer higher returns than traditional savings accounts.On the other hand, businesses also face the challenge of managing excess cash. Companies may accumulate surplus funds due to increased sales, cost-cutting measures, or successful investment strategies. While having excess cash can indicate a strong financial position, it can also be a sign of inefficiency if those funds are not being put to productive use. Businesses must evaluate their options for deploying excess cash strategically.One common approach is to reinvest the funds back into the business. This could involve expanding operations, launching new products, or enhancing marketing efforts. By doing so, companies can stimulate growth and increase their market share. Additionally, businesses might consider paying down debt, which can reduce interest expenses and improve overall financial health.Another option for managing excess cash is to return funds to shareholders through dividends or stock buybacks. This can enhance shareholder value and signal confidence in the company’s future prospects. However, companies must balance this with the need to retain enough cash for operational needs and potential investments.Moreover, businesses can also explore short-term investment opportunities to generate returns on their excess cash. Options such as money market accounts or short-term bonds can provide liquidity while earning some interest. This strategy allows companies to maintain flexibility while still making their surplus funds work for them.In conclusion, whether for individuals or businesses, having excess cash presents both opportunities and challenges. It is essential to manage these surplus funds wisely to avoid the pitfalls of inflation and inefficiency. By exploring various investment options and strategic uses for excess cash, both individuals and businesses can enhance their financial positions and pave the way for future growth. Ultimately, the key lies in understanding the potential of excess cash and leveraging it to create value.

在金融世界中，企业和个人经常会发现自己面临着一种情况，即他们拥有比立即支出所需的更多资金。这种情况被称为过剩现金，可以定义为在所有必要支出得到满足后可用的剩余资金。有效管理过剩现金对个人财务和企业运营至关重要。对于个人来说，拥有过剩现金可以提供安全感和自由度。它允许应对意外支出，例如医疗紧急情况或汽车维修，而无需依赖信用。然而，仅仅将现金保留而没有计划可能会导致错失机会。通货膨胀可能会随着时间的推移侵蚀货币的购买力，这意味着如果不明智地投资，过剩现金的价值可能会减小。因此，个人应该考虑多种利用其过剩现金的选择，例如投资股票、债券或房地产，这些投资可能提供比传统储蓄账户更高的回报。另一方面，企业也面临着管理过剩现金的挑战。由于销售增长、削减成本或成功的投资策略，公司可能会积累多余的资金。虽然拥有过剩现金可能表明强大的财务状况，但如果这些资金没有得到有效利用，也可能是效率低下的迹象。企业必须评估战略性部署过剩现金的选项。一种常见的方法是将资金重新投资于业务。这可能涉及扩展运营、推出新产品或增强营销工作。通过这样做，公司可以刺激增长并增加市场份额。此外，企业还可以考虑偿还债务，这可以减少利息支出并改善整体财务健康。另一个管理过剩现金的选项是通过分红或股票回购向股东返还资金。这可以提高股东价值，并传达对公司未来前景的信心。然而，公司必须在保留足够现金以满足运营需求和潜在投资之间找到平衡。此外，企业还可以探索短期投资机会，以便对其过剩现金产生收益。诸如货币市场账户或短期债券等选项可以提供流动性，同时赚取一些利息。这一策略使公司在仍然使其剩余资金发挥作用的同时保持灵活性。总之，无论是对于个人还是企业，拥有过剩现金都带来了机遇和挑战。明智地管理这些剩余资金至关重要，以避免通货膨胀和效率低下的陷阱。通过探索各种投资选项和战略性使用过剩现金，个人和企业都可以提升其财务状况，为未来的增长铺平道路。最终，关键在于理解过剩现金的潜力，并利用它创造价值。