相互信貸 的英文怎麼說
中文拼音 [xiānghùxìndài]
相互信貸
英文
mutual credit-
One fundamental problem, however, is the limited scope in hong kong for the sharing of information on consumer credit
當中一個根本的問題，就是信貸機構互相參閱消費者信貸資料的范圍相當有限。In particular, it governs the exchange of such data between lending institutions and credit reference agencies
守則特別對放款機構及信貸資料服務機構之間互相交換該等資料作出規管。All four parts of this paper are interrelated. this paper discusses from easy to difficult and makes a generalized - to - specific analysis
本文的四個部分相互關聯，對信貸資產證券化的論述由淺入深，由一般到特殊。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。Auto finance can improve the efficiency of auto production, service and capital utilization. currently there is only less than 20 % of chinese car buyers are buying on credit comparing with over 70 % in those developed market
汽車金融服務是在汽車的生產、流通與消費環節中融通資金的金融活動，主要包括資金籌集、信貸運用、抵押貼現、證券發行與交易以及相關保險、投資活動，它是汽車業與金融業相互滲透的必然結果。In this thesis, we have made some academic creations : we have used some new ways to evaluate the instant value of forward loans and made the credit transferring matrix, so we can evaluate the credit risks precisely ; we have pointed out the concepts of liquidity gaps and interest gaps, so we can evaluate this two kinds of risks ; we have found some ways to evaluate the risks of foreign exchange forward contract and interest rate swaps ; we have used var to make a model to evaluate the risks existing in the bonds investments, so we make it possible to control the risks of investment risks
本文在國內已有的相關課題的基礎上做出了一系列創新：通過對遠期貸款的當期估值以及對信用風險轉移矩陣的構建，實現了信用風險var值的測算；通過對流動性風險缺口與利率風險缺口的構建實現了對兩種風險的定量評估以及風險評級；通過對遠期外匯協議以及利率互換風險的評測，使表外業務的風險評估成為可能；用var方法測量了債券投資的風險，使商業銀行投資業務的風險程度得到了控制。Where there are frequent affiliated transactions and cross - guarantee within the client group, the banks shall strengthen the review of the client ' s credit standing, and strictly control loans made to this client
對集團客戶內部關聯交易頻繁、互相擔保嚴重的，應加強對其資信的審核，並嚴格控制貸款發放。Secrecy of personal data must, of course, be respected. but in the light of present circumstances there ought to be scope for greater sharing of positive data on consumer credit, in order to assist the banks in assessing credit risk with greater ease
個人資料保密固然是必須尊重的原則，但鑒于目前形勢，銀行之間應該更多互相參閱消費者的正面信貸資料，使銀行更容易評估信貸風險。So, instead of a pick - up in loan growth that follows closely the economic recovery, the supply side factor, interacting with depressed demand, brought about a significant lowering of loan rates that we are all familiar with, particularly in residential mortgages
因此，貸款並沒有緊隨經濟復甦恢復增長，反而在供應充足與需求疲弱的情況互為影響下，貸款利率大幅下調，尤其是住宅按揭方面，相信大家對此並不陌生。Actually, " credit channel " is not a truly independent or parallel channel with " money view " because it can help explain the " money view " in more detail from the timing, structure and depth of monetary policy innovation impacts
其實， 「貨幣渠道」和「信貸渠道」並不是兩種相互獨立的渠道，後者是對前者的補充，能夠從貨幣政策發揮作用的時間、規模和程度三個方面，對前者進行更加具體、詳細的說明。While there are so many problems that made trust and investment companies face lots of internal and external risks in real operation such as the immature market, the scarcity of government legislation and supervision, the management risks in the trust and investment companies and so on. all these need be solved by the trust and investment companies under the assistance of government department responsible for legislation and supervision. this article states from the real status of the trust industry, analyses the risk of it and brings forward the solutions from the following four angles : innovating trust production, such as npl trust, state - owned stock trust, leasing trust, mbo trust, esot, etc, perfecting the mechanism of risk control from var model and risk estimation, enhancing the cooperation with other financial institutions like banks, securities institutions, insurance companies and leasing companies, and strengthening the system of government legislation, supervision and self - restriction of trust and investment companies
本文從中國信託業的現狀出發，分析信託投資公司存在的問題，尤其是整頓后依然存在的問題，借鑒國外信託業的經驗，結合中國信託業的實際情況，從創新信託產品、健全信託投資公司風險控制機制、加強與其他金融機構合作和增強監管機制等角度進行探討，提出解決問題、加速信託機構健康發展的途徑：第一、根據目前我國信託業的規定，結合中國的經濟狀況，從處置國有不良資產、減持國有股、與金融租賃相結合、管理層收購、職工持股、銀行處理信貸資產、房地產、應收債權等領域創新信託產品；第二、引入國際上風險控制模型內控信託機構的風險，並採取信用評級的手段對信託投資公司和信託產品進行評級，從外部控制信託機構的風險；第三、提出信託投資公司應與銀行、證券、保險和租賃業相結合，在業務上相互補充，資源上共享，促進信託業的發展；第四、從完善信託立法、加強監管力度、健全信託投資公司個體自律和行業自律等方面完善信託的監管體系。In this paper, i begin my research with the question of “ how the credit risks of real estate loans do generate ”, firstly, on the base of studying the fundamental bubble theory, i analysis the different behaviors of real estate market, banking loan market, regulators and customers, and try to find the origin of the banking credit risks while the bank provides real estate loans
房地產信貸風險的產生和積聚，是房地產市場和以銀行信貸為主的金融市場相互作用的一個過程。在銀行為房地產業提供金融支持的過程中，實際上也涉及銀行在面對和評估風險過程中一系列的行為和決策，銀行的這些行為和決策可能成為風險積聚的直接誘因。而國內對于這方面研究分析的文獻還不多。分享友人