償貸能力 的英文怎麼說
中文拼音 [chángdàinénglì]
償貸能力
英文
ability to repay the loan-
Commerciality individual housing borrows money ( mortgage loan namely ) compare loan of housing accumulation fund to want to the demand bearing of borrower comfortable a lot of, have the effective and resident status, natural person that has capacity of completely civil action to want to satisfy following condition to be able to apply for only : the profession that has stability, income and repay ability ; the capital fund that the bank is approbated serves as guaranty or impawn ; the unit of put on sale that buys housing with place signed the contract that buy a house or book of the intent that buy a house
商業性個人住房貸款（即按揭貸款）對借款人的要求相比住房公積金貸款要寬松許多，具有有效居留身份、有完全民事行為能力的自然人只要滿足下列條件即可申請：有穩定的職業、收入和償還能力；有銀行認可的資產作為抵押或質押；與所購住房的發售單位簽訂了購房合同或購房意向書。The reason for badly load - repaid ability includes illogical traffic design, less government investment, unapt classificatory proportion of toll road, high charging cost, vehicle diffluence because of the completion of highway construction, etc. part iv research on how to improve debt solvency
論述了規劃設計不合理，政府投入不足，收費還貸公路結構不合理、二級收費公路比重過大，收費成本過高，高速公路車輛分流等原因導致收費還貸公路償債能力低下。第四部分，提高償債能力的對策研究。Neither the bank, its associates, nor any of their directors, officers or employees, shall be liable to the customer for any expenses, loss or damage suffered by or occasioned to the customer by reason of any action taken or omitted to be taken by any one or all of the bank, its associates, their directors, officers, employees or agents pursuant to these conditions or in connection therewith other than as a result of the fraud, wilful default or negligence of the bank, its associates, their directors, officers, employees or agents ; the bank s failure in good faith to honour any stop - payment instructions given by the customer ; the presentation to the bank of any cheque or other payment order which is post - dated ; the bank failing to honour any draft drawn on it by the customer, but the bank shall immediately return such draft to the customer through the normal channels giving the reason for the dishonour ; any loss, damage, destruction or misdelivery of or to the securities howsoever caused unless the same shall result from the negligence of, or theft by, the bank or its associates or any of their directors, officers or employees, in which event the extent of the liability of the bank shall be limited to the market value of such securities at the date of discovery of the loss and even if the bank has been advised of the possibility of such loss or damage ; unauthorised use or forging of any authorised signature as a result of the negligence, wilful default or fraud of the customer ; subject to condition 5. 5, any act or omission, or insolvency of, any person not associated with the bank including, without limitation, a third party nominee or depositary ; viii the collection or deposit or crediting to the custodian accounts of invalid, fraudulent or forged securities or any entry in the custodian accounts which may be made in connection therewith ; any malfunction of, or error in the transmission of information caused by, any electrical or mechanical machine or system or any interception of communication facilities, abnormal operating conditions, labour difficulties, acts of god, or any similar or dissimilar causes beyond the reasonable control of the bank and notwithstanding paragraph, the error, failure, negligence, act or omission of any other person, system, institution or payment infrastructure
本行其聯系人士其各董事高級人員或雇員均毋須向客戶因以下理由而使客戶蒙受或產生之任何開支損失或虧損負責： i本行其聯系人士其董事高級人員雇員或代理人根據此等條件採取或遺漏採取有關之行動，但由於本行其聯系人士其董事高級人員雇員或代理人之欺詐行為故意失責或疏忽所造成者除外ii本行本真誠地未能依約替客戶執行止付指示iii向本行提交任何遠期支票或其他付款指示iv本行未能兌現由客戶開出之匯票，但本行將立即透過正常渠道將該匯票退回客戶，並解釋拒付之理由v無論如何導致之任何證券之損失損毀毀壞或錯誤交付除非上述各項乃因本行或其聯系人士或其任何董事高級人員或雇員之疏忽或盜竊所引致，而在該等情況下，本行的責任將只限於在發現損失當日該等證券之市值，以及即使本行已獲知該等賠償之可能性vi因客戶之疏忽故意失責或欺詐行為而導致的任何偽造授權簽名或不獲授權使用該簽名vii在第5 . 5 a條之規限下，與本行無關者之任何行動或遺漏或無償債能力包括但不限於第三者代名人或寄存處viii代收或存入或貸存於保管人賬戶的無效偽造或假冒證券或在保管人賬戶記入可能與此有關之賬項ix任何電子機械或系統失靈或因該等機件或系統產生的資料傳送錯誤或任何通訊設施之終斷不正常操作情況勞工問題天災或非本行所能合理控制之任何類似或非類似原因及x盡管有第ix項，任何其他人系統機構或付款設施的錯誤故障疏忽行動或遺漏。Because of non - systemic information, we should escape the moral risk by proper contract, they design many programs of the bank - firm restitution ; the role that the bank exercised on the firm is completed by debt constraint, and the bank influences the government construction of the firm by debt rights. the bank directly gives capital support to firms, and analyses the firms " ability of returning debt, and the bonding value, and make the load - decision
主要研究在信息不對稱情況下，如何通過完善契約來防範道德風險；銀企債務重組的設計；銀行對企業治理的作用的實現方案，即通過債權影響公司的治理結構，直接插手評價企業的經營狀況、投資決策、償債能力，以及分析企業的抵押價值並以之作為放貸決策的前提。China ' s state - run banks routinely extend loans to state - owned enterprises that are not expected to be repaid
中國國有銀行常常向沒有償還能力的國有企業提供貸款。China s state - run banks routinely extend loans to state - owned enterprises that are not expected to be repaid
中國國有銀行常常向沒有償還能力的國有企業提供貸款。The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items
儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。Abstract : setting out from the characteristic of house financial markets actual in china, a deeply analysis in varies risk and its causes is made. a few countermeasure keeping away house financial risk, for instance developing house financial serving organization such as the broker buildup by certification lawyers and classify insurance and excessive pledge and conforming house mortgage rate reasonably and evaluating loan repay ability in science is put forward
文摘:從我國目前住宅金融市場特點出發，深入分析了銀行貸款面臨的各種風險及其產生的主要原因，提出了發展以執業律師為主體的住宅金融服務機構? ?抵押貸款經紀人、分類保險、多重保證、合理確定房產抵押率、科學評估貸款人償貸能力等具體的金融風險防範對策The thesis is made up of five chapters, the first chapter introduces china ' s background of consumer credit ' s development, the major risks and brings forward the central issue ; the second chapter researches the risk caused by the uncertainty of consumer ' s behavior and the controlling measures ; the third one studies the uncertainty of consumer ' s repaying ability and the relative anti - risk measures ; the fourth one researches how to control consumer credit risks ulteriorly, through assets securitization technology after credit is offered ; the fifth chapter describes the risk caused by the uncertainty of consumer credit market circumstances, which is called interest rate risk, and the measures of controlling it
要控制消費信貸的風險，就必須找出解決這些不確定性因素的措施，本文分五章對這些風險控制措施進行論述，第一章介紹我國發展消費信貸的背景，以及消費信貸面臨的主要風險，並提出了本文的中心論點；第二章研究由於消費者行為的不確定性而導致的風險及其抑制措施；第三章研究消費者償還能力的不確定性以及相應的風險控制措施。第四章研究的是，在消費信貸發放后，如何通過資產證券化技術進一步控制消費信貸資產的信用風險。第五章研究由消費信貸市場環境的不確定性導致的風險，即消費信貸的利率風險，以及相應的風險控制措施。Many creditors questioned the soundness of the company
許多貸方對該公司是否有償付能力提出疑問。A study of the comprehensive appraisal system of the debt - paying ability
貸款償還能力綜合評價體系研究On the analysis approaches for credit standing of loan enterprises
貸款企業償債能力透視Then it comes to a conclusion that the load - repaid ability is poor
通過分析湖北省收費還貸公路的現狀得出其償債能力不足的結論。Part ii analyzes the status quo and debt solvency of toll road in hubei province
第二部分，湖北省收費還貸公路的現狀及償債能力情況分析。Under the precondition that the commercial bank has a relative perfect interior operation management system, the bank will be facing the following major consumer credit risks, one is credit risk, the other is market risk. the two risks origin from three kinds of uncertainty, the first uncertainty is consumer ' s behavior ; the second is consumer ' s repaying ability ; the last is the uncertainty of the consumer credit market
在商業銀行具有相對完善的內部經營管理機制的前提下，消費信貸所面臨的主要風險有：信用風險與市場風險，這兩種風險來源於三種不確定性：一是消費者行為的不確定性，二是消費者償還能力的不確定性，三是消費信貸市場的不確定性。Chapter two, points out on the basis of assessing etc. the defining of relevant concept for credit, personal credit, credit not merely means the simple credit activity and credit relationship, and the debt paying ability with monetary debit and credit sides person, honoring an agreement and is written down, keeps one ' s word in many kinds of meanings, such as degree and social prestige of taking shape from this, etc. ; personal credit is assessed and played an essential role in the development of the consumptive credit
第二章，在給出信用、個人信用評估等相關概念的界定的基礎上指出，信用不僅指簡單的信貸活動和信用關系，而且含有貨幣借貸者的償債能力、履約記錄、守信程度及由此形成的社會信譽等多種意義；個人信用評估在消費信貸的發展中扮演了至關重要的角色。Article 35 in issuing loans, a commercial bank should closely check the use of the loan by the borrower, the repayment ability of the borrowers and the mode of repayment of the loans
第三十五條商業銀行貸款，應當對借款人的借款用途、償還能力、還款方式等情況進行嚴格審查。Combining theory with practice, the author explains the effective project loan assessment from six parts, those are the debt analysis, project constructive condition analysis, market analysis, investment and financing analysis, repayment analysis, the risk of loan and domino effect analysis
全文分為七章，採取理論與實踐相結合的方式，分別從借款人評價、項目建設條件評價、市場評價、投資估算和籌資評價、償債能力評價及貸款風險與效應評價六個方面進行了系統論證。In order to enhance debt solvency, we should adjust charge rate, the position of toll station and charging ways and means. the establishment of discharge fund and prompting and obligation mechanism, financial management and budget control is beneficial to the improvement of debt solvency too. about new project of toll road, we must plan in detail and strengthen construction cost control ensuring favorable debt solvency of toll road
對現有的收費還貸公路，通過調整收費標準，合理布局收費站點，改革收費方式、實施電子收費，建立平衡還貸基金、實施收費激勵與約束機制，加強財務管理，完善全面預算控制等手段提高湖北省收費還貸公路的償債能力；對今後新開工建設的收費還貸公路項目，用產品生命周期成本理論論證了公路規劃的極度重要性，說明公路項目應該做到事前科學合理規劃布局，建設過程中加強成本管理，控制建設成本，加大政府投入，以保證通車后的償債能力。Ability to repay the loan
償貸能力分享友人