overdrafts

简明释义

英[ˈəʊvədra:fts]美[ˈoʊvərdræfts]

n. [金融]透支（overdraft 的复数形式）

英英释义

单词用法

同义词

反义词

例句

1.In early 2005, the business realized a new challenge as it related to a Federal Reserve regulation targeting daylight overdrafts.

在2005年早期，业务部门意识到有一个新的难题，是一个有关联邦储备(Federal Reserve)的条款，该条款主要是针对明目张胆的透支制定的。

2.Bank deposits would have to be converted at the same time, and the same rate, as overdrafts and mortgages to keep the value of Banks' debts in line with their assets.

银行存款要在同一时间以相同的汇率转换过来，银行的透支款和抵押贷款的外借款总值要与银行资产持平。

3.In Britain, too, Banks said that big companies were selling bonds or shares rather than increasing their overdrafts.

同样，在英国，银行表示大公司宁愿出卖债券或者股票，也不愿增加他们的透支款项。

4.SINCE July 2007 complaints from 1.2m bank customers about unfair charges on their unauthorised overdrafts have been gathering dust while learned counsel fought an action through the courts.

自从2007年7月以来，120万银行顾客关于银行对其未经批准透支的不公平收费投诉已经落满了灰尘，然而有学识的律师争取通过法院提起诉讼。

5.Working and studying bring us a lot of pressure, sometimes we may get lots of overdrafts for what we want eagerly, but we have too much expectation of ourselves.

工作和生活带给我们很多压力，时常我们可以通过透支得到我们急切想要的东西，但我们给自己太多期望。

6.A sudden fall in sales will leave them without cash at a time when bank overdrafts are hard to secure or to increase.

销售的突然下降将让他们没有现金，同时银行透支额也很难保证或增加。

7.Many banks charge high fees for overdrafts.

许多银行对透支收取高额费用。

8.He was surprised to see the amount of overdrafts on his bank statement.

他惊讶地看到银行对账单上的透支金额。

9.To avoid overdrafts, it's important to track your spending.

为了避免透支，跟踪你的开支是很重要的。

10.Some people rely on overdrafts as a short-term solution for cash flow issues.

有些人依赖透支作为现金流问题的短期解决方案。

11.The bank offers a service to cover overdrafts automatically.

银行提供自动覆盖透支的服务。

作文

In today's fast-paced financial world, managing personal finances can be a daunting task. One of the common issues that individuals face is the problem of cash flow, which can lead to situations where they find themselves in debt. A significant aspect of this financial management is understanding and dealing with overdrafts. An overdraft occurs when a person withdraws more money from their bank account than what is available, resulting in a negative balance. This situation can arise for various reasons, including unexpected expenses, poor budgeting, or even a delay in receiving payments. Understanding how overdrafts work is crucial for anyone looking to maintain a healthy financial status. Banks typically offer overdraft protection services that allow account holders to overdraw their accounts up to a certain limit. While this may seem convenient, it is important to remember that overdrafts often come with fees and interest charges, which can accumulate quickly if not managed properly. For instance, imagine a scenario where an individual has a monthly budget that they meticulously follow. However, an unexpected car repair pops up, costing them several hundred dollars. If they do not have sufficient funds in their account to cover this expense, they might rely on their bank’s overdraft service. While this provides immediate relief, it can lead to a cycle of debt if they are unable to pay back the overdrawn amount promptly. Moreover, frequent reliance on overdrafts can negatively impact one’s credit score. Financial institutions view excessive overdrawing as a sign of poor financial management, which can affect future borrowing capabilities. It is essential, therefore, to use overdrafts sparingly and as a last resort rather than a regular financial tool. To avoid falling into the trap of overdrawing, individuals should consider implementing better budgeting practices. Creating a detailed monthly budget that accounts for all income and expenses can help prevent situations where they might need to rely on overdrafts. Additionally, setting aside an emergency fund can provide a financial cushion for unexpected expenses, reducing the need to overdraw. In conclusion, while overdrafts can provide a temporary solution to cash flow problems, they should be approached with caution. Understanding the implications of overdrawing, including potential fees and impacts on credit scores, is vital for maintaining financial health. By adopting better budgeting strategies and preparing for unexpected expenses, individuals can minimize their reliance on overdrafts and achieve greater financial stability. It is always advisable to consult with a financial advisor if you find yourself frequently facing overdrafts, as they can provide tailored advice to improve your financial situation.

在当今快节奏的金融世界中，管理个人财务可能是一项艰巨的任务。个人面临的一个常见问题是现金流问题，这可能导致他们陷入债务。财务管理的重要方面之一是理解和处理透支。当一个人从他们的银行账户中提取超过可用金额的钱时，就会发生透支，导致负余额。这种情况可能由于各种原因而发生，包括意外支出、预算不当，甚至是收款延迟。 了解透支的工作原理对任何希望保持健康财务状况的人来说至关重要。银行通常提供透支保护服务，允许账户持有人在一定限额内透支他们的账户。虽然这似乎很方便，但重要的是要记住，透支通常伴随着费用和利息，这些费用如果管理不当会迅速累积。 例如，想象一下一个人有一个详细的每月预算，他们严格遵循。然而，突如其来的汽车维修费用出现，花费了他们几百美元。如果他们的账户中没有足够的资金来支付这笔费用，他们可能会依赖银行的透支服务。虽然这提供了立即的缓解，但如果他们无法及时偿还透支金额，可能会导致债务循环。 此外，频繁依赖透支可能会对个人的信用评分产生负面影响。金融机构将过度透支视为财务管理不善的迹象，这可能影响未来的借贷能力。因此，重要的是要谨慎使用透支，将其作为最后手段，而不是常规的财务工具。 为了避免陷入透支的陷阱，个人应该考虑实施更好的预算实践。制定详细的每月预算，考虑所有收入和支出，可以帮助防止他们需要依赖透支的情况。此外，设立应急基金可以为意外支出提供财务缓冲，减少透支的需要。 总之，尽管透支可以为现金流问题提供临时解决方案，但应谨慎对待。理解透支的影响，包括潜在费用和对信用评分的影响，对于保持财务健康至关重要。通过采用更好的预算策略和为意外支出做好准备，个人可以最小化对透支的依赖，实现更大的财务稳定。如果你发现自己经常面临透支，咨询财务顾问总是明智的，因为他们可以提供量身定制的建议，以改善你的财务状况。