英语翻译

题目

英语翻译
主要有这么几句：（A/R 是指应收账款）
1.After viewing national data showing average percentages of delinquencies and charge-offs,the researcher concluded that these clothing retailers had much higher bad debts than the national average for firms of similar type.这一句里面的charge-offs是什么意思啊?
2.This last finding may perhaps best be interpreted as simply another reflection of the shortage of personnel and time that so frequently acts as a major determinant of small-business policy.这一句的句型我都没有搞清楚,更别说翻译了,惭愧啊.
3.The lack of knowledge on the part of these small businessmen concerning A/R control techniques together with their more basic failure to recognize the existence of problems in this area,are believed to have been due in considerable measure to the absence of formal business education on the part of nearly all of the participants..
4.Because of the competitive situation in which the firms operated,there was a feeling among the credit managers that even if A/R were too high,there was

答案

1.贷款冲销
2.这最后一发现可能也许最好被视为只是另一所反映的人员和时间不足的问题,所以经常作为一个主要的决定因素的小型企业的政策.
3.缺乏知识在这些小商人的一部分关于应收帐款控制技术连同其更多的基本失效要认识到存在的问题在这个区域,被认为是由于在相当大的措施没有正式的商业教育的部份上几乎所有的参与者.
4.由于竞争的环境中,企业经营中,有一种感觉,即使信贷经理应收账款过高,没有多少他们能做而不引起更大的负面影响销售.