結構調整貸款 的英文怎麼說

中文拼音 [jiēgòudiàozhěngdàikuǎn]
結構調整貸款 英文
structural adjustment lending
  • 結 : 結動詞（長出果實或種子） bear （fruit）; form （seed）
  • 構 : Ⅰ動詞1 （構造; 組合） construct; form; compose 2 （結成） fabricate; make up 3 （建造; 架屋） bui...
  • 調 : Ⅰ動詞1 （配合得均勻合適） harmonize; suit well; fit in perfectly 2 （使配合得均勻合適） mix; adju...
  • 整 : Ⅰ形容詞1 （全部在內; 完整） whole; all; complete 2 （整齊） neat; tidy; orderly Ⅱ動詞1 （整理; 整...
  • 貸 : loan
  • 款 : Ⅰ形容詞1 （誠懇） sincere 2 [書面語] （緩; 慢） leisurely; slow Ⅱ動詞1 （招待; 款待） receive wit...
  • 結構 : 1 （各組成部分的搭配形式） structure; composition; construction; formation; constitution; fabric;...
  • 調整 : adjust; tune up; trim; trimming; variation; modulation; arrangement; debug; rectification; redres...
  • 貸款 : 1. （借錢給需要用錢者） provide [grant] a loan; make an advance to; extend credit to2. （貸給的款項） loan; credit
  1. Banks also favor personal real estate loan, which is characterized by low risk and high yield, for it ban help banks to adjust credit structures and improve assets quality

    個人住房貸款因低風險、高收益的特性而成為銀行調整自身信貸結構、提高資產質量的新寵而倍受青睞。
  2. However, by far, our nation has not the least experience of developing mbs market and also can not follow the ready - made experience

    但從目前來看，我國尚處于經濟體制轉軌、經濟結構調整和經濟增長方式轉變階段，在發展抵押貸款證券市場方面尚屬空白，更沒有現成經驗可循。
  3. On one hand, these reforms are caused by market and economic adjustment, on the other hand, it is also the initiative exploration of the administration structure but the exploration is unsuccessful, the corresponding results include that the financial burden is heavy, and bank and the listed companies sacrifice medium and small investor ' s interests etc. because the listed company only regards security market of our country as the place to use the fund free at first, there is no comparativity between utilizing bond financing, bank loan, and other channels to raise enterprise development funds and stock financing

    從上世紀80年代初期以前的財政資金供給到銀行信貸資金的供給，再到利用資本市場進行股票及債券等融資方式的出現，這些改革一方面是市場以及經濟環境的變化引起的迫不得已的調整，另一方面也是企業（或主管部門）為了提高企業效率，完善企業內部治理結構的主動探索。但從結果上來看，這些探索並不成功，相應的出現了財政負擔過重，銀行不良資產過多以及上市公司犧牲中小投資者利益，在市場上「圈錢」等現象。由於上市公司最初僅僅是把我國的證券市場當作獲取免費使用資金的場所，利用債券融資、銀行貸款等渠道籌措企業發展資金和股票融資沒有可比性。
  4. In addition, national commercial bank can improve the efficiency of collecting and transferring and power of screening through regulating of credit personnel and innovation of organize and management, it will be achieved to reduce the credit risk and to improve efficiency of resource ordinance in credit market

    另外，國有商業銀行也可以通過信貸人員的結構調整、組織管理上的創新等，提高信息的收集與傳遞的效率和甄別的能力。從而達到降低貸款的信用風險以及提高貸款市場資源配置的效率的目的。
  5. The research resuits mainly include : credit capital is not equal with stock capital, low risk capital structure is one strategic choice and competition advantage ; more capital from the core stocanolder and famous investment institution, more easier the company can finance ; relationship lending is one important credit financing means for internet company ; from the point of tfade - off theory, conservative capital structllre is suitable for intcmet company presently ; small proportion is preferable when liability level is readjusted, since it is easier to access the optimal capital structure.

    主要內容包括：債權資金與股權資金不對等，不可以完全替代；低風險的融資結構是一種戰略性選擇；核心股東增加投資和廣大具有市場影響力的機構投資者投資網路公司都是傳遞公司價值的信號；關系型貸款是重要的債權融資方式；從權衡的角度看，現階段宜選擇保守型融資結構；調整負債水平宜採取謹慎小幅度的策略，這樣更容易接近最佳融資結構。
  6. The large amount of capital required for infrastructure development and industrial restructuring will create new opportunities in project finance

    基礎設施建設及產業結構調整需要龐大資金，勢必為項目貸款帶來商機。
  7. Secondly, the article deeply analyzes the process of the credit risk control and find out the cause of formation of credit risk and the problems with credit risk control and management form aspects as follows : client structure about credit, related motivation measures, process of operation of credit, pre - loan investigation, checkup for loan, loan operation examination, and management of current non - performing loans. the article then offers solutions for how to guard against and defuse the credit risk regarding the existing problems, so that we can improve the credit asset quality of xx sub - branch and strengthen the credit risk control. ultimately, the article discusses the systematical risk caused by macro - economical environment with which state - owned commercial banks are trying to cope and the prospects for improving macro - environment

    筆者首先通過對xx支行的信貸資產質量、和不良貸款率等幾個方面的分析，揭示了該支行信貸風險的現狀，指出有效的控制信貸風險對該支行來說是一個十分重要而迫切的問題;其次對xx支行在信貸風險控制過程中的諸多環節進行深入剖析，找出該支行信貸風險的成因以及信貸風險管理和控制中存在和暴露的問題，著重從以下幾個方面進行分析:信貸客戶結構、相關的激勵措施、信貸業務操作流程、貸前調查、貸后檢查、以及目前不良貸款的管理;然後針對存在的問題，逐一提出了化解、防範信貸風險的對策，以提高該支行的整體信貸資產質量，鞏固和強化該支行的信貸風險防範和控制;最後從宏觀的角度，淺談了國有商業銀行應對宏觀經濟環境導致的系統風險的思路以及改善宏觀環境的展望。
  8. Rural finance means all the financial activities that correlate with production in rural domain, such as absorbing deposits, providing loans, settling accounts, cash management and rural credit cooperation, etc. the construction of a good rural financial system will play an important supportive role in the development of rural economy and the adjustment of the structure of rural production

    農村金融，是指包括農村領域內一切與生產經營相關的吸收存款、發放貸款、辦理結算、現金管理以及農村信用合作等的金融活動。一個良好的農村金融體系的構建對于農村經濟的發展，農村產業結構的調整都將起重要的支持作用。
  9. Thus, the bank should do well i n the liquidity planning management and the clients " loan requirement prediction ; strengthen the credit management and improve the credit capital quality ; adjust the capital structure, enhance the capital liquidity ; develop middle business and the business out of the asset and liability sheets by financial innovation ; strengthen the high level of civilization services ; intensify the research towards the marketable interest ratio and prevent the liquidity risk caused by the changing of interest rate

    為此，該行應該做好流動性計劃管理，作好客戶流動性需求的預測；加強貸款管理，提高信貸資產質量；調整資產結構，增加資產流動性；通過金融創新，大力發展中間業務和表外業務；加強優質文明服務；加強對利率市場化的研究，防止利率變化引發的流動性風險。
  10. The central bank suggested that commercial banks should optimize the loan structure, strengthen loan market and adjust loan decision, because most loans are lent to big companies and groups, which leads to high and uncontrolled risk

    針對目前我國商業銀行在信貸業務中出現的投放過于向大企業、大集團集中和難以控制貸款發放中潛在風險的現象，人民銀行提出了督促商業銀行優化信貸結構、加強貸款營銷以及調整貸款決策的指導性意見。
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