期中借貸 的英文怎麼說
中文拼音 [qīzhōngjièdài]
期中借貸
英文
interim borrowing-
Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as ( 1 ) the loan pricing not been involved in the decision mechanism of credit ; ( 2 ) lacking of risk price ration system ; ( 3 ) mismatching between the interest rate and the risk of the loan items
由於長期的利率管制，我國商業銀行的貸款定價管理十分薄弱，主要體現為貸款定價未被納入信貸決策機制中；缺乏定量化的定價系統；利率浮動的幅度未能反映借款人的信用水平及貸款項目的風險程度。That allows banks to borrow short and lend long ; earning higher rates on loans to business
這允許銀行可以短期借進，長期借出，從商業貸款更高的利率中獲益。Dr chan said : " we issued the notes in a highly favorable market environment against a background of increasing interest rates and continued credit tightening in the prc. the notes issue is intended to improve and enhance the matching of our group s expansion plan with its cashflow requirements and debt maturity profile.
陳博士表示：在息率趨升和中國內地持續收緊信貸的情況下，對債券發行人造就了利好的市場環境，亞洲鋁業亦在此利好情況下發行了票據，以改善和鞏固集團在擴展計劃下的現金流量需要和借貸償還期組合。The periodic characteristic analysis of increase fluctuating of chinese debit and credit sides of peasant household
中國農戶借貸增長波動的周期性特徵分析Rmb deposit and loan interest rate float block expands gradually, and progressively move towards marketization day by day. part iii : on the basis of using the experience and lessons of the change of interest rate in other countries for reference in course of the interest rate marketization, it is believed that there should be a course of raising up slightly in the interest rate in the early stage. but the market fluctuations it causes will not be too much ; according to actual operation result and a medium or long term of the reform, foreign currency interest rate has already drawn close to international interest rate competence progressively ; viewed from a short time, rmb loan interest rate total competence will tend towards dropping, some loan interest rate may rise ; the interest rate of the deposit will raise up unilaterally
總體而言，發展中國家的存貸利差要高於發達國家；第二部分：在總結前幾年利率改革包括市場化改革的基礎上，認為，迄今為止，我國利率市場化改革的程度總體上還比較低：同業拆借利率、貨幣市場債券回購利率、現券交易利率、外幣貸款利率、大額外幣存款利率等已完全市場化或基本市場化，人民幣存貸款利率的浮動區間已逐漸擴大，並已漸進的方式日益走向市場化；第三部分：在借鑒境外利率市場化過程中利率變動的經驗教訓的基礎上，認為在我國利率市場化的初期，利率應該有一小幅上揚的過程，但是其造成的市場波動應該不會太大；從改革的實際運作結果和中長期來看，外幣利率已經逐步的向國際利率水平靠攏；從短期來看，人民幣貸款利率總水平將趨于下降，部分貸款利率有可能上升，存款利率將會單邊上揚。Estimates based on the short - term net foreign lending of japanese banks put the carry trade at only $ 200 billion
根據日本的銀行中外國短期借貸凈額估計出的結果顯示套息交易的規模僅有2000億美元。The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate
論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。It would be foolish for a manager to make a three - year loan when his own investors could cut and run within a year ; the mismatch of assets and liabilities could be ruinous
作為一個管理者來說向一個可能在一年內中斷償還甚至逃債的貸款者提供為期三年的借貸是很愚蠢的；資產與債務的失諧將是破壞性的。After incremental changes in the intervening years, on january 1, 2004, the pboc further extended the upper limit of renminbi - denominated lending rates, except for mortgages and policy loans, to no higher than 70 % of the benchmark rate
經過期內歷年調升之後，於2004年1月1日，中國人民銀行再將人民幣借款（按揭及政策性貸款除外）的利率上限提高至不超過基準利率70 % 。The borrower shall open a current account with the bank of china, and according to the repayment plan provided in the contract, deposit money sufficient for the current repayment of the loan and the interest accrued in the current account prior to the day of repayment and also authorize the lender to withhold the right of deducting the amount from the account on schedule
借款人應在中國銀行開立活期存款賬戶，按合同約定的還款計劃，于每次還款日前，在活期存款賬戶中存入足夠償還本期貸款本息的款項授權貸款人按期扣款。Even after the founding of new china, as known by the data from the surveys in the middle south of china in the early years of 1950s, the rural private financing, though under control, still further developed to some extent due to economic backwardness, weak household economy, imperfect social security and lack of modern financial system
解放以後，從20世紀50年代初期中南區各省的調查材料來看，由於經濟落後、家庭經濟弱小、缺乏完善的社會保津和現代金融體系等原因，私人借貸雖受到抑制但仍有一定程度的發展。If the borrower defaults in payment of any of the monthly instalments, a penalty interest accruing on a daily basis at a rate stipulated by the people ' s bank of china will be imposed on the deferred payment
如借款人于每月還款到期日未能清付應繳款項，貸款人將按照中國人民銀行規定的罰息利率按逾期天數逐日向借款人計徵逾期罰息。Interest on the loan shall be variable at the bank s discretion and, notwithstanding any other terms and conditions, iwe agree to pay to the bank on demand at any time all principal, interest and other charges under the plan which are outstanding and owing at the relevant time
銀行有絕對權力酌情修訂貸款利率，並具絕對權利隨時向借貸人要求償還全部貸款、利息及貸款計劃中所涉及之一切費用。如本人（等）未能依期繳交任何一期還款，銀行有權要求立即清還全部所欠之貸款及利息。The hkmc incurred interest expense of hk 210. 2 million 2003 : hk 385. 4 million, made up of hk 209. 1 million from note issuance and hk 1. 1 million from utilization of bank lines
年度內，按揭證券公司用於債券發行可轉讓貸款證及短期銀行貸款的利息支出為2 . 102億港元2003年： 3 . 854億港元，其中2 . 091億港元為債券， 110萬港元為同業拆借。Included the definition of money supply and the information content of monetary aggregates ; external circulation of hong kong dollar currency ; the flexibility of the argentine and hong kong economies and their compatibility with the maintenance of a fixed exchange rate ; lithuania s re - pegging from the us dollar to the euro ; monitoring us dollar interest rate expectations from derivative prices ; the relationship between bank lending and property prices in hong kong ; and price convergence between hong kong and the mainland
包括：貨幣供應的定義及貨幣總體數字透視的資料內容；港元在境外流通的情況；比較阿根廷及香港經濟的靈活度，以及其與維持固定匯率的兼容性；立陶苑與美元脫? ，改與歐元掛? ；透過衍生工具價格監察美元息率的預期；銀行借貸與本港物業價格的關系；以及中港兩地價格融合。To idiographic institution, the main causes of the debts forming are as follow : the finance rights and affair rights are digit in the process of the finance and tax system, the finance rights are up collecting, and the affairs rights are down moving, the finance gap formed in the process of the finance and tax system, the comparative economic shrink in the anaphase country reform, the finance ingathering became fewer : the political and the administration system reform is disjoint to the economic system reform, the village and town government financial action is lost echo obligation, the expenditure break through the budget, and so on, otherwise, the country financial system reform is lag, the invests are becoming bad for the country government intervention to economic field, the country government action is short of efficient criterion, cut down the centre transferring geld to the farmers and delay to carry out the legal payment ; the effective supervision to the loan is short of about national to the non - financial machine, and so on, so the debts form at last
但從根本講，還是制度的原因，是國家通過制度的安排來對利益進行重新分配，導致鄉鎮政府財政收入短缺，產生債務需求，最終形成債務。從具體的制度上看，主要有:財稅體制改革中的財權與事權的錯位，財權向上集中、事權不斷下移;農村稅費改革產生財政缺口;農村改革後期出現的經濟相對萎縮，財政收入減少;政治制度和行政管理制度改革與經濟改革脫節，鄉鎮政府財政行為失去應有的約束，導致開支突破預算等等，產生債務需求。另外，農村金融體制改革的滯后;鄉鎮政府對經濟領域的高度介入，出現經濟投資虧損;政府行為缺乏有效規范，截留老百姓的轉移支付款項、拖延履行法定支付義務;國家對非金融機構借貸行為缺乏有效監管等等，產生債務供給。The centre for responsible lending, a consumer group, says that many borrowers routinely roll over their loans
一個消費者團體，負責任借貸中心稱，許多借款者都會例行將貸款展期。The main conclusion is that ( 1 ) china ' s acm is incomplete, therefore, the market equilibrium is in low level ; ( 2 ) the operating scale, the income and property, the product investment, the cash expenditure of education and medical treatment are the main factors that affect the credit demand of households in rural china ; ( 3 ) the asymmetry information, the high transaction cost and the lack of effective supply institutes are the main factors that lead to low efficiency of china ' s acm ; and ( 4 ) the agricultural credit has the positive effect on china ' s agricultural production factors demand and agricultural output, consequently, the agricultural credit is the main factor that restrain the increase of agricultural output and agricultural development
本文的基本結論是：中國農業信貸市場正處在發育的初級階段，市場機制仍不完善，農業信貸市場處于「低水平均衡」狀態；農戶是中國農業信貸需求的主體，農戶經營規模、農戶收入和財產狀況、農戶生產投資規模以及教育、醫療等大額現金支出是影響農戶借貸需求的主要因素；非對稱信息、高交易成本、有效供給制度缺乏是造成農業信貸市場低效率的重要因素；中國農業信貸投入對農業投入要素的需求具有正向影響，即增加農業信貸供給，將會提高農業投入要素的需求水平，進而增加中國農業產出，促進農業長期發展。The advent of efficient capital market, combined with the money creation system guaranteed the long time decline of interest rates and the convenience of the credit
有效的資本市場和成熟的貨幣制度保證了利率在長期中的下降趨勢，並使借貸變得更為方便。It may be in the form that cbrc or spg grants a long term license or permit to the eco - fund to enable it to lend loans and charge interest within the regulatory limits as an experimental case
或許會提出要求，允許中國銀行業監督委員會或者陜西省政府向生態基金頒發長期執照或者許可證，使生態基金能夠在可控制范圍內，試驗性地，進行借貸和收取利息。分享友人