信用資金 的英文怎麼說
中文拼音 [xìnyòngzījīn]
信用資金
英文
advising funds-
Thirdly, some investors peculate bank credit capital that results in a damage of the state behalf
開發商對消費者進行欺詐的違法違規行為，損害消費者利益。挪用銀行信貸資金，損害國家利益。However, once we take all - sided and impersonal view over the housing finance, we will definitely realize the conflict between the high speed and the low efficiency of it. in this paper, it ' s analyzed that there ' re five factors affecting the efficiency of housing finance, based on the basic situation of china as a developing country and according to some related theories of the western economics. the first one is the dual - track interest rate which presumes that price of housing credit financing is under the control of government to a certain extent, and the rest is open
因此，本文從我國作為一個發展中國家? ?這一基本國情出發，以西方經濟學中有關理論為依據，分析影響我國住房金融效率的因素主要包括：利率雙軌，即一部分住房信貸資金價格受到政府的管制，而另一部分住房信貸資金價格則是開放的；住房金融機構產權不清，特別是政策性住房金融機構產權不清而導致金融創新動力不足，金融工具品種單一，不能滿足居民需求多樣化的要求；住房信貸中由於較高的交易費用，而使內耗偏高、效率降低；住房金融機構不健全，既不存在真正的住房金融機構又缺乏相應的擔保機構；此外，住房金融中融資機制不完備，長期信貸資金來源不足與資產負債的期限結構不匹配也是影響住房金融效率的一個主要因素。The state taking place of market as economic running mechanism played a prominent role in regulating economic activities such as : enacted regulations to control price, allocated foreign exchange, created lots of public enterprises, restricted trade, overvalued foreign exchange rate, et al. to some extent, this kind of economic policy was necessary and brought positive effects to african countries. but every thing has two sides, so does this economic policy
在政府制定的各項經濟政策中，政府將大筆資金用於興建基礎設施、公共部門和各類補貼；干預信貸資金規模、配置及規定較低的利率；制定經濟發展計劃，確定經濟發展目標，實行廣泛的國有化；對主導產業提供支持和保護等等，無不體現政府作為主要經濟運行機制的影響以及對經濟活動的干預和控制。The research team believes that training should receive top priority in funding
這個研究團隊相信在資金上的使用應該把訓練放在第一優先的順位。The said bank ' s credit risk is the possibility of suffering losses or making no profit on the operation of loan fund, which is the result of all kinds of uncertain factors deviating the actual profit of the business entity ( the borrower ) from her budget
所謂銀行客戶信用風險就是指由於經濟活動中種種不確定因素影響，使經濟主體的實際收益目標與預期收益目標發生背離，從而導致銀行在經營活動中信貸資金遭受損失或獲取收益的一種可能性程度。It indicates and also analyzes the problems of housing demand, credit capital supply and exertion, management system, risk keeping away mechanism, price forming mechanism, mortgage mechanism, market environment, lag of rules and laws and disposing of mortgage goods, ( chapter 3 ) part 4, the study of market system and government system of personal purchase mortgage on the precondition of monetary housing distribution analyze the foundations of market and government during this process and the problem of market disorder and government defection
指出了目前我國個人購房抵押貸款運行中的住房需求、信貸資金供給和運用，經營管理體制、風險防範機制、價格形成機制、抵押機制、市場環境、法規滯后、以及抵押物的評估和處置上存在許多問題並對此進行了深入地分析與探討。 （第三章）第四，對住房分配製度轉變過程中個人購房抵押貸款的市場機制與政府機制研究。分析市場與政府在個人住房抵押貸款中的作用及其市場失靈、政府缺陷的問題。Issuing to village the policy subsidying the small sum in interest an agricultural loan a valid path for always is academic circles with poor population in generally accepted the village of solution in government in all levels, promoting village developping, from current see theoretically, the small sum of the certain scope inside subsidying the interest lends money of issue, will promote the agriculture and the development of the village, increase poor and homely income in village level, but the small sum subsidying the loan of interest is can increase the income level of the peasant household, lend money a problem for increasing accepting together native average in circumstance increasing accepting sum comparing, result how, this is this text wanting resolving, this text pass to the inquisition of the loan peasant household, in collecting large quantity one hand material of foundation, is all each county downtown to is investigated the data proceeded to gather, statisticsing the contrast circumstance that loan an income change the circumstance and increase with native average the sum, the loan sum that will be investigated the peasant household, invest the realm proceeded the contrast, and borrow funds with the region not door of that year income increment the sum proceeded the comparison. use the different from lengthways the method research that compare investment in fixed amount realm, different loan sum, not the environmental loan in area in county door increases to accept sum and its correlations. come to explain the public finance subsidy the small sum in interest an agricultural loan an influence for to peasant household income, analyzing the small sum in policy an agricultural loan an influence for to increasing accepting the factor, discussing the policy stick the small sum in interest an agricultural loan a shortage for of policy blemish and managing top, combining domestic and international policy of now of combination an agricultural loan a policy for of policy with managing way, to small sum in policy in our country an agricultural loan style establishment and manage the mode put forward a little bit personal views, the writer thinks that develop the policy an agricultural loan a root for of a farming using is a financial environment of village to push forward financial system in village reform to reform with political setup, improve village finance serve, create a competition, norm, subsidying the interest the loan the solution limitedly not farmer of letter funds need problem
向農村發放政策性貼息小額支農貸款一直是學術界和各級政府比較公認的解決農村貧困人口，促進農村發展的有效途徑，從現有的理論上看，一定范圍內的小額貼息貸款的發放，會促進農業和農村的發展，提高農村貧困家庭的收入水平，而小額貼息貸款是不是能夠提高農戶的收入水平，貸款戶的增收情況同當地的平均增收額比較，效果怎樣，這是本文所要解決的問題，本文通過對貸款農戶的調查，在收集大量第一手材料的基礎上，將各縣市區所有被調查數據進行了匯總，統計出貸款戶收入變化情況以及與當地的平均增長額的對比情況，將被調查農戶的貸款額，投資領域進行了對比，並與當地非借款戶的當年收入增加額進行了比較。用定量比較和縱向比較的方法研究不同投資領域、不同貸款額、不縣域環境的貸款戶增收額及其相互關系。來說明財政貼息小額支農貸款對農戶收入的影響，分析政策性小額支農貸款對增收的影響因素，論述政策性貼息小額支農貸款的政策性缺陷及管理上的不足，並結合當今國內外政策性支農貸款的政策和管理方式，對我國政策性小額支農貸款的政策制定及管理模式提出了個人的一些見解，筆者認為發揮政策支農貸款的支農作用的根本是推進農村金融體制改革和政治體制改革，改善農村金融服務，創造一個競爭、規范的農村金融環境，有限的貼息貸款解決不了農民的信貸資金需求問題。The credit fund has taken effect in western, but there are a series of problems in its collocation
信貸資金在西部開發中起了很大的作用，但是由於種種原因，西部信貸資金在配置資源方面還存在一系列的問題。After analyzing the present situation of rural fund supply and demand of huizhou, this paper believes that, although rural fund investment of huizhou has been increasing in recent years, the absolute expenditure on agriculture of local finance department keeps rising, the financial department ' s credit fund investment has a quicker growth, and the foreign investment and social investment has also increased, the strong demand of the whole city ' s rural economy and social enterprise for fund can ' t be satisfied, measures must be taken to improve this condition as soon as possible
摘要通過對惠州市農村資金投入和需求現狀進行分析后認為，盡管近年來惠州市農村資金的投入力度不斷加大，地方財政部門用於農業的支出絕對額持續上升，金融部門的農業信貸資金投入有了較快增長，外商投資、社會投資也有所增加，但仍難以滿足全市農村經濟和各項社會事業的發展對資金的旺盛需求，應當盡快採取措施改善這一狀況。Making definite the difference between financial credit and policy financial bank credit, the paper gives some definitions for the system of agricultural policy finance. agricultural policy finance is defined as some financial serving for some special agricultural economic fields that are difficult to get loans from commercial or cooperative financial " institutions, and its loan rates1 are lower than others
為了明確國家財政信用與政策性金融銀行信用的區別，本文重新定義農業政策性金融體制的相關概念，認為農業政策性金融是為難以得到商業性或合作性金融機構信貸資金支持的農業經濟活動提供低於市場貸款利率的貸款等項目的金融服務。Once the debit side break the loan contract that the commercial will bring bad assets, lead to loss and erode the capital of bank
借款人違約將直接導致商業銀行產生不良貸款，造成信用資產損失，並侵蝕銀行的資本金。The sound credit records of the two borrowing enterprises involved with the trust project are maintained, and icbc beijing municipal branch shall exercise the strict supervision over the receipt and transfer of the amounts in the “ special account of the trust funds ” in accordance with the trust loan agreements and they shall be mutually guaranteed by agricultural bank of china and icbc beijing municipal branch under the condition of the irrevocable principal and interest suretyship of joint and several liabilities, which ensures that the credit enhancement of the trust project reaches the level of the financial bonds and reduces the risk level considerably
本產品所涉信託項目的兩家借款企業信用記錄良好，中國工商銀行北京市分行按照信託貸款協議約定對「信託資金專戶」內的款項進行收劃並進行監督，並由中國農業銀行總行與中國工商銀行北京市分行分別提供不可撤銷本息連帶責任保證，使信託項目信用增級達到金融債水平，風險程度較低。On one hand, these reforms are caused by market and economic adjustment, on the other hand, it is also the initiative exploration of the administration structure but the exploration is unsuccessful, the corresponding results include that the financial burden is heavy, and bank and the listed companies sacrifice medium and small investor ' s interests etc. because the listed company only regards security market of our country as the place to use the fund free at first, there is no comparativity between utilizing bond financing, bank loan, and other channels to raise enterprise development funds and stock financing
從上世紀80年代初期以前的財政資金供給到銀行信貸資金的供給，再到利用資本市場進行股票及債券等融資方式的出現，這些改革一方面是市場以及經濟環境的變化引起的迫不得已的調整，另一方面也是企業（或主管部門）為了提高企業效率，完善企業內部治理結構的主動探索。但從結果上來看，這些探索並不成功，相應的出現了財政負擔過重，銀行不良資產過多以及上市公司犧牲中小投資者利益，在市場上「圈錢」等現象。由於上市公司最初僅僅是把我國的證券市場當作獲取免費使用資金的場所，利用債券融資、銀行貸款等渠道籌措企業發展資金和股票融資沒有可比性。As revealed by the study, following problems exist : 1 ) the supply of bank capital has a close relation with the fluctuation of stock market ; 2 ) the volume of bank capital flowing into stock market is large and it is estimated that there are 450 - 600 billion of bank capital exist on stock market, 2 / 3 of which are illegal ; 3 ) most bank capital are getting into stock market through illegal channels, such as illegal repurchase of government securities, illegal acceptance and discount of trade bill, embezzlement of customers " guarantee deposit, illegal interbank loan, illegal diversion of credit capital to other purpose, etc. the inflow of bank capital to stock market has dual influences on our economy and finance
表現在： （ 1 ）據估計我國進入股市的銀行信貸資金存量在4500 - 6000億元左右，其中滯留於一級市場的資金規模約為2000 - 3000億元，進入二級市場的規模在2000 - 2500億元之間，國有股和法人股轉讓市場涉及信貸資金規模約為500 - 600億元，然而，在這千億元進入股市的信貸資金中2 3左右都是違規流入的。 （ 2 ）銀行資金入市除同業拆借、國債回購和股票質押貸款三種合法渠道外，多是通過非法渠道流入股市的，其途徑主要包括：違規國債回購、違規商業匯票承兌及貼現、挪用客戶保證金、違規拆借資金、企業違規挪用銀行信貸資金、個人違規使用銀行貸款等。Securities investment funds ( mutual funds ) means a way of aggregative securities investment, in which the interests and risks are shared together by pooling the capitals of the investors through issuing funds unit and transferring it to the trusteeship of the trustee, which are managed and operated by the funds managers who engage in the investment of the financial tools such as stocks, bonds, etc. as the combinative product of the trusteeship system and modern financial system, its trust design of transferring properties to the management of experts enable the investors to gain rich returns as well as avoid the risks, which gains the much favor of the investors
證券投資基金（共同基金）是指通過發行基金單位，集中投資者的資金，由基金託管人託管，由基金管理人管理和運用資金，從事股票、債券等金融工具投資的一種利益共享、風險共擔的集合證券投資方式。作為信託制度與現代金融制度結合的產物，以轉移財產為專業人員管理的信託設計，使得投資者既避免了風險，又獲得豐厚的回報，倍受投資者青睞。世界共同基金自1868年在英國誕生以來已有上百年歷史，我國的投資基金則是在1991年才真正起步，而真正意義上的證券投資基金更是近幾年來的事。Because of lacking credit foundation, trust companies can " t find normal trust capital sources, and have been put into the vicious circle of " high cost, high interest "
因為缺乏信用基礎，使得信託公司缺乏正常的信託資金來源，而被推進「高進高出」的惡性循環中。With a rapid expanding of banking credit on real estate industry since 1998, as long as the housing price soaring, there are a theoretical controversy on real estate bubble in china. at the present, our real estate industry depends deeply on credit funds, the bank credit supports our real estate to its full flourish, while accumulating substantial risk correspondingly. therefore, researching the relationship between bank credit behavior and real estate bubble is of great meaning to understand the formation mechanism of bubble and to take measures to guard against and to dissolve the risk of real estate bubble
本文借鑒carey模型和herring & wachter模型來研究銀行信貸行為與房地產泡沫之間的關系，認為銀行提供的信貸資金是房地產價格的一個決定因素，銀行信貸擴張是造成房地產價格上漲直至泡沫形成的重要因素;房地產業的高收益率、銀行對風險評估的失敗是銀行信貸集中於房地產業的主要原因;運用行為金融學理論研究表明，房地產信貸市場存在著過度自信與羊群效應行為，這些行為使得銀行低估信貸集中於房地產業的風險，從而使得大量的信貸資金集中於房地產業。Intermediate banking business is established by a commercial bank on the basis of its traditional asset and credit business. making use of its advantage in organization, reputation, funds, technology, human resources and information a commercial bank can accept clients : 1 entrustments and offer them many financial services such as settlement, renting, trust deposit, trust loan, as an agent of collecting or paying, consultation and guarantee. by offering these services the commercial bank can obtain service charges or commissions
中間業務是商業銀行在傳統的資產業務、負債業務基礎上建立起來的，利用其自身機構、信譽、資金、技術、人才與信息等多方面的優勢，接受客戶的委託，以中介身份為客戶提供結算、租賃、委託存款、委託貸款、代理收付、咨詢、擔保及其他金融服務並從中收取手續費或傭金的業務。The empirical research demonstrates that credit capital is important to the investment of rural households
摘要實證研究表明，信貸資金對農戶投資有著重要的作用。Finance, in short, refers to all the capital financing activities, which include currency circulation, credit activities and their operating and regulating systems. finance covers a wide range of areas in business, including the currency systems, credit and financing, the functions and activities of the related policy - making and operation, and so on
金融是貨幣流通、信用活動及其營運和調節的機制即整個資金融通活動的總稱，其內容非常豐富，包括貨幣、信用、資金融通的制度與政策、營運機構的職能和活動等。分享友人