有利息信貸 的英文怎麼說
中文拼音 [yǒulìxīxìndài]
有利息信貸
英文
credit with interest-
Alitalia ' s shares soared by 9 per cent as investors reacted to the announcement that the state - owned russian flag carrier had thrown its hat in the ring with the support of unicredit
這家俄羅斯國有旗艦航空公司在義大利聯合信貸銀行支持下加入競購大戰的消息宣布之後,投資者做出反應,推動義大利航空股價飆升9 % 。The motives for deliberately fraudulent accounting information include seeking personal profits, deceiving the general investors, acquiring loans deceptively, meeting performance indicators, and evading or lightening taxes
故意製造虛假會計信息的動機有:謀私利、欺騙投資者、騙取貸款、應付業績考核、逃稅、避稅等。His work on the economics of information focuses on how contracts and institutions can be designed to handle different incentive and control problems, and enhances a better understanding of and provides practical solutions to insurance markets, credit markets, auctions, the internal organization of firms, wage forms, tax systems, social insurance, competitive conditions, political institutions, etc. professor mirrlees is well - known for his work on the theory of optimal income taxes which solves the problem of how to design a tax system that balances efficiency and equity
有關的理論已開展成一門新學問,可以應用在保險、信貸、拍賣、公司運作、薪金釐定、稅制等問題上。莫理斯爵士在資訊經濟學的研究集中在如何利用合約或制度,處理不同誘因的問題,並為這些問題提供了可行的解決方法。莫理斯爵士其中一項最有名的研究,就是提出最適當入息稅理論,訂出一個能平衡效率及公平的稅務制度。In addition, it is the effective measure for promoting the development of consumption credit of china to transfer and dispel the risk of consumer credit by insurance and security, to construct collateral institution supported by the government, to exert market - oriented interest rate reform of consumer loans step by step, to claim the additional penalty interest rate for ahead - payment and to apply the scientific technology for managing the risk of the consumer credit
還可以通過保險和證券化來轉移和分散消費信貸風險,通過建立政府支持的住房貸款擔保機構,放開消費信貸利率,對提前償還加收罰息等等方式來控制或分散消費信貸風險,並用科學的方法管理消費信貸風險。這些方法都是中國促進消費信貸發展的有力措施。 j . p . morgan和合作機構開發的「信用度量術」 ? ? var方法可以在消費信貸貸前、貸中和貸后的管理決策中得到應用。In the first chapter, this paper define the loan behavior of commercial banks as some kind of contract under the market condition, then provides its five premises. furthermore, it performs a academic deduction econometrically by a monopolized market structure model, in terms of both free interest rate and constricted interested rate, from which conclusion is drawn that, also proved by loan rationing theory in various aspects, if there is complete information, loan contract will be helpful to transfer risks. chapter 2 is concentrated on china ' s stated - owned commercial banks
本文首先對商業銀行信貸行為進行界定,認為商業銀行的信貸行為是市場化的合約行為,並提出了市場化合約行為的五大前提條件,並通過構建壟斷型市場結構下在利率受到限制與利率不受限制條件下商業銀行信貸行為的理論模型對市場化信貸行為進行數學上的推導、分析,得出在利率限制條件下商業銀行與企業之間具有完全信息時,信貸合約是有轉嫁風險的行為,以及利率限制條件下商業銀行與企業之間具有不對稱信息和利率不限制條件下商業銀行與企業之間具有不對稱信息時的各種情況。The training on business management for small enterprises is intended to cope with the difficulties and challenges encountered by farmers in running their small enterprises, focusing on how to select the business products or services, how to identify the ways of making business, how to calculate the business expenditures, and on how to estimate the sales profits
小企業經營管理教學模塊主要內容是幫助農牧民掌握有關產品及服務定位經營方式計算經營成本和利潤等方面的知識。小額信貸教學模塊主要是傳授給農牧民一些貸款政策申請貸款程序和利息計算等知識。Finally, it came up with a focus ? he counterplan hold by the government and the enterprise to the it ( especially computer ) : the government should seize the advantaged moment at present, make correct strategies of development, enforce macroscopic leading and controlling, consolidate government support, take a further step in settling and satisfying the strategies, ensure the important point of the development, give a government inclination, and make favorable terms in investment, credit, tax, technology importing, foreign capital utilization, etc ; the enterprise should produce a better investment environment for human resource, learn and use the rule in a flexible way, adjust the structure of property, set an innovation system of enterprise technology, enforce the development of its information management, try to strengthen the international competing power of the enterprise
最後,重點提出了我國it產業(主要是計算機行業)在政府方面和企業方面的對策:一、政府方面要把握當前的有利時機,制定正確的發展戰略;加強宏觀調控;加大政府扶持;進一步制定和完善it產業的發展戰略;確定發展重點,給予政策傾斜;在投資、信貸、稅收、引進技術、利用外資等方面給予優惠。二、企業方面要優化人力資源投資環境;學活游戲規則;調整產業結構;創建企業技術創新體系;加強企業信息化管理建設;努力增強企業國際競爭力。同時,筆者一方面通過國內幾個大型企業的成功個案,介紹了it企業現行的幾種做法;另一方面還借鑒了國外幾個it產業發達國家的發展經驗,從總體規劃和企業內部兩個部分提出了我國it產業今後的發展戰略。In this paper, we primary study two contents : 1 ) the effect of the changes of both the loan interest rate and the defaulting probability of the entrepreneur on the expected profits of the banks when the entrepreneur pursues opportunity benefit under asymmetric information. 2 ) the effect of the change of the loan interest rate on the average successful probability of the project of the entrepreneur when the entrepreneur have multi - continuous projects under asymmetric information
摘要主要研究兩個方面的內容: 1 )不對稱信息條件下,當企業追求機會利益時,貸款利率和企業拖欠還款概率的變化對銀行期望利潤的影響; 2 )當企業具有多個連續投資項目時,在不對稱信息條件下,貸款利率的變化對企業項目平均成功概率的影響。Proponents of the so - called new agrarian economics - people such as pranab k. bardhan, for example - have argued persuasively that the high rural interest rates endemic in many parts of the world in times past may have been efficient rather than exploitative in light of the high information and transactions costs, risks, market failures, and moral hazards in such areas
例如,包括普拉那博巴德漢在內的所謂「新土地經濟學」支持者有力地指出:如果將世界上許多地區的高信息成本、高交易成本、高風險、高度市場失敗幾率以及高度道義危害等諸種因素進行通盤考慮,高利息借貸過去在這些地區不時地盛行可能更具有「效益性」 、而非「剝削性」Low interest rates will hopefully encourage consumption and credit expansion, and help stabilise and perhaps inflate asset prices and the economy, although the situation may seem a little harsh on those living on interest income from their savings
雖然對于靠收息過活的人士來說,情況是比較艱難,但相信低利率可促進消費及信貸擴張,亦有助穩定,甚至是推高資產價格及推動經濟增長。The formal financial institutions will refuse to give loans to the poor because of the profit motive as they face the questions such as smaller amount of loans, larger risks, worse credit standing without mortgage, difficulty in the supervision over the use of the loans ( because of lacking related information of property and economy ) and high management and dealing cost
因為對窮人的貸款具有數額小、風險大、信譽差且無法提供擔保、貸款使用監測困難(缺乏相關的財產和經濟信息) 、管理和交易費用高等問題。正規金融機構由於它的趨利性,就會放棄對窮人的貸款。Borrowing enterprises will take advantage of asymmetric information for their own benefit and pass the risks to banks, causing a great deal of bad loans in banks. one of the reasons that caused bad debts for banks is the imperfect corporate governance
在銀企關系中,借款方對自身信息的擁有量總是大於貸款方,借款企業會利用信息優勢為自己謀取利益而把風險轉嫁給銀行,導致的結果是銀行大量不良貸款的產生。Half year before the default was found, the default probability has high relevance with asset solvency and receivable turnover, profit earning capability and cash flow. high discriminate ratio was achieved in the models ’ actual testing
因此,企業有可能將有利於自己而不利於銀行的虛假信息傳遞給銀行,銀行則不可能完全觀察企業的行為和根據雙方的風險類型而簽訂有效的借貸合同。Through a mathmatic model the thesis proves it is information asymmetry between banks and sme that produces the financing probem, so it radically explain the reasonability of credit guarantee organiazation ( cgo ) which supplies the public product and is designed as supporting policy for sme. the major characteristic of cgo is high riskly, therefore, how to control the risk is the core of this study. as for individual applying sme, the key of risk control is to set up a series of evaluating programe
論文通過信息經濟學的信貸配給模型來解釋中小企業貸款難的主要原因? ?銀行與中小企業之間存在嚴重的信息不對稱,提出解決這種信息不對稱的一種有效手段是建立信用擔保機構,因而從根本上解釋了中小企業信用擔保機構存在的合理性,然後利用經濟學的原理闡述了擔保服務具有準公共產品的特徵,把信用擔保機構定位為政府扶持中小企業的政策性措施。You will get such information as the financial rules and regulations ; financial , economic and market information ; the types of deposits and their specific way of interest calculation ; the information on deposit, loan interest rate and exchange rate between rmb and foreign exchange concerning personal financing, and so on
您可以獲得與個人理財有關的政策法規;財經信息和市場信息;存款種類及具體的利息計算方法;存、貸款利息及人民幣與外幣匯率信息等等。Even as a borrower, you should, on the basis of your established credit rating and your credit history that are available to banks, be able to get onto your computer screen competitive offers for money
即使是集資者,也可根據既有的信貸評級及信貸紀錄,安坐電腦熒幕前參考不同出價,然後選擇最有利的息率籌集資金。分享友人