消費信貸控制 的英文怎麼說

中文拼音 [xiāobìxìndàikòngzhì]
消費信貸控制 英文
control on consumer credit
  • 消 : 動詞1 （消失） disappear; vanish 2 （使消失; 消除） eliminate; dispel; remove 3 （度過; 消遣） pa...
  • 費 : Ⅰ名詞1 （費用） fee; expense; expenditure; dues; charge 2 （姓氏） a surname Ⅱ動詞（花費; 耗費） ...
  • 貸 : loan
  • 控 : 動詞1 （告發;控告） accuse; charge 2 （控制） control; dominate 3 （使容器口兒朝下 讓裏面的液體慢...
  • 制 : Ⅰ動詞1 （製造） make; manufacture 2 （擬訂; 規定） draw up; establish 3 （用強力約束; 限定; 管束...
  • 消費 : consume; consumption消費城市 consumer city; 消費貸款 consumer loans; consumption credit; 消費方式...
  • 控制 : control; dominate; regulate; govern; manage; check; cybernate; manipulate; encraty; rule; rein; c...
  1. Moreover, theoretical studies of risk - avoiding in consumer credit have never gone hand in hand with those of banks " marketing, thus, it is necessary to have the two questions com bined in one theoretical study, probing on and proving the close relationship between them. in the meanwhile, marketing mechanisms and organizational structures should be built in a way coordinated with risk control and fit for consumer credit business of the commercial banks

    在對于消費信貸營銷與風險控制之間協調關系的理論證明基礎上，筆者在對我國商業銀行信貸組織結構分析后，嘗試在商業銀行消費信貸宏觀管理層面設計較為理想的與風險控制協調的消費信貸整體市場營銷機制結構，並結合設計圖，進一步討論在開展消費信貸業務中營銷策略與風險控制的協調方式與結合點。
  2. A model for risk control and avoiding should also be designed in a fashion favorable for marketing, helping to solve this practically significant problem by balancing the double goals well. the goals of market expansion and of risk control, instead of receiving separate care, have to be taken into a balanced consideration in the theoretical analysis of consumer credit business. only by so doing can roots of risks be gripped

    最後，在設計出與風險控制相協調的消費信貸營銷機制的基礎上，筆者從消費信貸業務實務操作的微觀層面出發，針對控制消費信貸風險，在借鑒西方發達國家大型商業銀行的信用評估模型基礎上，嘗試設計適用於我國的消費信貸信用評估模型，最後從政府的角度討論營造有利於消費信貸發展的外部環境問題。
  3. How do banks control consumer credit risks

    銀行怎樣控制消費信貸風險
  4. In such severe situation, the bank should take active measures to enhance the anti - risk ability of consumer credit in order to assure the safety of commercial bank ' s credit assets

    本文的主旨是，在對消費信貸所面臨的風險（不確定性）進行深入研究和探討的基礎上，找出控制消費信貸風險的措施，保證消費信貸健康、有序的發展。
  5. Personal credit institution results in lowering the transaction cost of consumer credit, and provides the commercial banks for developing consumer credit with the institution condition for assessing the borrowers, exerting credit monitor and controlling the risk of the consumer credit through the sharing mechanism of the personal credit information and the punishing mechanism of it to the defaulter

    個人信用制度的作用在於降低消費信貸交易成本，並通過個人信用信息共享機制和對違約者的懲戒機制，為商業銀行發展消費信貸提供評估借款人、實施信貸監管和控制消費信貸風險的制度基礎。
  6. 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。
  7. 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。
  8. Consequently, in order to optimizing the saving behavior and harmonizing the economy development, it is essential that ( 1 ) to perfect the price system of farm produce in order to improve the level of income of rural residents ; ( 2 ) to safeguard the right of land and social security to reduce the uncertain anticipation ; and ( 3 ) to reconstruct china ' s agricultural credit system to release the restriction of fluidity. the main innovation points in this thesis are as the following. the analysis framework of saving behavior of rural residents has been put up

    因此，為了改善中國農村居民儲蓄行為，加強宏觀經濟調控，必須完善農村市場價格調節機制，保證農村居民收入的穩定增長；為農村居民提供相應的社會保障制度，降低其對未來收入特別是支出方面的預期尤為重要；加強農村公共物品市場體系建設，縮小城鄉以及地區間的收入差距；政府應當重點考慮規范正規金融市場與強化農村正規信貸市場，解決農村居民的流動性約束問題；幫助農村居民確立合理的消費期望，培養農村居民把握消費的自主意識及合理進行消費決策的能力。
  9. This paper used both positive and normative analysis methods, and also used both qualitative and quantitative analysis methods on consumption credit risk, at the same time, used both case analysis and comprehensive inducement methods. the conclusion of this research as follows : 1. consumption credit risk objectively exists

    通過對消費信貸、風險以及消費信貸風險理論的認識和運用，指出消費信貸風險是客觀存在的，企圖消滅風險，迴避風險，是不現實的，只有積極的認識風險、控制風險，將消費貸款風險降到最低程度，才能實現商業銀行的經營目標。
  10. So it is important to research how to manage the risk of consumption credit of commercial bank in our country. the construction of this paper as follows : chapter 1, general introduction of consumption credit and its current situation in our country ; chapter 2, analyze the type of the risks and the current risk situation in our country ; chapter 3, analyze the reason of causing the consumption credit risk ; chapter 4 and chapter 5, put forward the main thinking of manage the consumption credit risk, including standardize the internal management of commercial bank and establish a better social circumstance

    其主要原因一方面是由於消費信貸在我國起步較晚，各種規章及配套措施尚不健全，並且我國個人信用體系缺乏，消費者的信用意識薄弱，造成消費貸款中大量的違約情況產生，而由於失信者的違約成本很低，就進一步的惡化了消費信貸的環境;另一方面，商業銀行本身風險管理水平不高，內控制度不完善，導致對消費信貸風險管理的不到位，也是使商業銀行消費信貸業務風險加大的原因。
  11. Secondly, from the bank ’ s angle, i try to find some ways to avoid and control the risks derived from the fluctuation of real estate industry by the bank ’ s reform and innovation. this paper follows these clues with questions below : ( 1 ) what ’ s role do banks play in the real estate price formation ? ( 2 ) what determinants do the real estate loans depend on

    本文試圖從「房地產信貸風險如何形成」這一問題出發，結合國外對于房地產泡沫理論的研究，分析房地產市場、銀行信貸市場、監管者以及消費者等各參與方的行為，試圖找出銀行在發放房地產貸款過程中導致信貸風險積累的環節，並從銀行角度分析，如何通過自身的變革和創新規避和控制風險。
  12. On risk control and management in consumption credit

    消費信貸風險控制與管理
  13. Most rural micro - finance lenders, however, do not have access to credit bureau, and most of their borrowers are poor and self - employment. so the rural credit union can only judge the credit risk

    在西方發達國家，為了減少放貸成本，同時為更有效的評估和控制信用卡消費中的信用風險，銀行紛紛引入了信用評分方法，並取得了很好的效果。
  14. The worsening of credit surroundings has produced much damage to social economic life, such as : market which is short of credit affects the social investment and consume and destroys the normal management of enterprise, enlarges costs of enterprise management, makes the macroscopic control tool useless and enterprise are not willing to invest, banks are n ' t willing to make loans, and it ' s difficult for the government to start investment and enlarge domestic demand, even it directly damages the basic of social legal system, and all types of economic principal parts are difficult to form the legal frame in the basis of construction. many enterprises compete in all kinds of improper ways and ruin the social atmosphere and decline the morals level

    信用環境惡化已對社會經濟生活產生諸多危害：市場缺乏信用嚴重影響社會的投資和消費，破壞企業的正常經營，加大企業經營成本；政府的宏觀調控政策和工具難以發揮作用，企業不敢投資，銀行不敢放貸，使政府啟動投資、擴大內需政策的效用大打折扣；信用惡化還直接破壞社會的法制基礎，各類經濟主體在信用關系中難以形成以合同為基礎的法律框架，許多企業以種種不正當的手段展開競爭，是造成社會風氣敗壞，道德水平滑坡。
  15. Nonetheless, inadequate knowledge and management of marketing, along with ignorance of risk - avoiding at such marketing moves as new market exploration, may subject those banks to greater credit risks, therefore, they are caught in a dilemma, where market exploration always runs counter to risk control

    而後，運用信息經濟學模型從經濟理論上證明並解釋營銷與風險控制之間的內在密切關系，從而在理論上論證在對消費信貸的研究中，將這兩方面問題綜合加以討論與研究的必要性。
  16. Endeavor is demanded to build up a full - fledged system of consumer credit, which is indispensable for the formation of china ' s modern financial system. at present the pace of consumer credit ' s growth is mainly curbed by high risks in bank ' s credit, which is, in turn, caused by lack of efficient individual credit system. facing the insufficiency in risk diversification mechanisms, banks do their utmost to avoid risks involved in consumer credit, hence inevitably thwarting business expansion in mat field

    在對有關消費信貸整體基本認識的背景下，筆者深入消費信貸微觀層面，提出在銀行消費信貸經營中的市場營銷與信貸風險控制這一對問題，並進而對消費信貸市場營銷與信貸風險的內在聯系做出理論上的合理解釋，一方面闡明市場營銷是消費信貸業務中不可或缺的重要組成部分；另一方面從經濟因素不確定的角度挖掘消費信貸風險產生的根源。
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