經驗風險率 的英文怎麼說

中文拼音 [jīngyànfēngxiǎnlǜ]
經驗風險率 英文
empiric risk rate
  • 經 : 經動詞[紡織] （把紡好的紗或線梳整成經紗或經線） warp
  • 驗 : 動詞1. （察看; 查考） examine; check; test 2. （產生預期的效果） prove effective; produce the expected result
  • 風 : Ⅰ名詞1 （空氣流動） wind 2 （風氣; 風俗） practice; atmosphere; custom 3 （景象） scene; view 4 ...
  • 險 : Ⅰ名詞1 （險惡不容易通過的地方） a place difficult of access; narrow pass; defile 2 （危險） dange...
  • 率 : 率名詞（比值） rate; ratio; proportion
  • 經驗 : 1 （由實踐得來的知識或技能） experience 2 （經歷） go through; experience; 經驗教訓 lessons from ...
  • 風險 : risk; hazard; danger
  1. This paper compares the development circumstances and status between foreign and domestic consumer credit business, introduces relevant foreign experience and puts forward suggestions and solutions in the followings including : improving the domestic circumstances, strengthening the analysis and marketing of the consumer credit market, building individual credit system, improving efficiency with better service, and controlling credit risks

    本文通過比較分析國內外消費信貸的發展環境、發展狀況，借鑒國外相關經驗，從改善國內消費信貸開展的環境；加強對消費信貸市場的研究分析和營銷工作；加強個人信用制度建設；發揮科技優勢，提高工作效率，提供優質服務；防範和轉移消費信貸風險等方面提出了若干發展我國消費信貸的建議和措施。
  2. Thirdly, gap analysis, duration analysis, net present value analysis and dynamic simulation analysis, these four risk measurement techniques and how to use them are studied. and then, commerce tactics to manage and control interest rate risks and how to use them are researched detailedly. at last, an example which further illustrates how to manage and control interest a rate risks for commercial banks of china is given. interest rate risk management is a complicated job, so commercial banks should choose appropriate skills and measures to control interest rate risk effectively for keeping their earnings free of adverse influence of interest rate changes

    本文首先根據巴塞爾委員會制定的利率風險管理的原則和西方銀行業的經驗，對商業銀行所面臨的利率風險進行了具體地識別分析；研究了敏感性缺口管理技術、有效持續期缺口管理技術、凈現值法和動態模擬法這四種商業銀行利率風險的衡量管理技術及其運用；然後對控制利率風險的具體管理策略以及如何運用這些管理策略來控制利率風險進行了詳細地分析研究；利用前面介紹的成果和方法用實例系統地說明了商業銀行應根據自身情況選擇合適的管理技術和策略，有效地控制利率風險。
  3. In general, these studies are primarily based on the theories of financial restraint and financial deepening initiated by r. i. mckinnon and e. s. shaw, either stressing the urgency of china ’ s interest rate liberalization, its international experience, target orientation, mode selection, sequencing, conditional creation, risk control and the transformation of the monetary policy conduction mechanism, or such problems as the effect of reform on each economic party, positive examination of the real interest rate, savings mobilization, investment quality, relativity between the variables in economic growth as well as the interest rate sensibility in economic sectors of different ownerships

    總的看來，這些研究基本上以麥金農和肖所開創的金融抑制?金融深化理論為依據，或是側重於討論我國利率市場化改革的必要性迫切性、國際經驗、目標定位、模式選擇、次序安排、條件創造、風險控制以及貨幣政策傳導機制的改造等問題，或是側重於分析改革對各個經濟行為主體的影響，再者就是實證考察實際利率、儲蓄動員、投資質量、經濟增長各個變量之間的相關性和不同所有制經濟部門的利率敏感性。
  4. Because empirical distributions of rates of return on risky securities have characters of skewness and excess kurtosis, this article puts forward studying portfolio selection model conditional on non - normal stable distributions

    摘要針對風險證券收益率的經驗分佈所具有的偏態和過度峰態等非正態分佈特徵，提出在非正態穩定分佈條件下研究投資組合模型。
  5. In such areas as the international of technical and management know - how, the spreading of risk through international reinsurance training and improvement of staff efficiency, bilateral and multilateral cooperation can be set up

    這個范疇，像是國際的技術和管理方面的經驗知識；如何通過國際再保險公司進行分散風險；加強職工訓練和提高效率；雙邊的和多邊的合作等等，都能被建立起來。
  6. Among these, the first part makes use of the second - hand information to carry out the research for the market demanding and the history prices of the end project products. the experience is relied on determine the price needed in the analysis of long - term investment decisions ; the second part analysizes the project investment decision by the way of using some long - term investment decision theories such as recovery period method, npu, net present index method and remuneration included methods, etc. meantime, it makes the risk analysis for the project and determines the risk elements and proposes some measures and guidance in risk management

    其中，第一部分對企業及項目情況進行了介紹，並使用二手資料的方式對項目產成品的市場需求及歷史價格進行了調研，根據經驗法確定了長期投資決策分析中所需的產品價格；第二部分對進行長期投資決策分析的理論進行了闡述，利用回收期法、凈現值法、凈現指數法和內含報酬率法等長期投資決策理論對項目的投資決策進行分析，並對項目進行了風險分析，確定了風險因素，提出了風險管理中為避免風險應當採取的一些措施和方法。
  7. The paper introduces the financial risk conceptions and theories, then discusses the recognition and analysis of financial risk of enterprise. the paper analyzes the method against the business enterprise financial risk in detail, including strategy and system. on the basis of experiences internal and external, the paper designs an early warning system structure, breach system and model of financial risk that meets the concrete characters of our country ' s enterprise, and puts forward some relevant counter measures for establishment of early warning system for our country ' s enterprise financial risk, which is the emphasis and difficulty of the paper

    論文首先介紹了有關企業財務風險的概念、理論，然後論述了企業財務風險的識別和分析，如杠桿分析法、概率分析法、財務報表分析法等，接著論文詳細分析了企業財務風險防範的方法，主要探討了企業財務風險防範的策略，財務風險的制度防範，論文借鑒國內外財務預警系統建立的經驗，設計了適應我國企業具體特點的財務風險預警系統的結構與子系統，提出了建立企業財務風險預警系統的相關對策，這是本文的重點和難點。
  8. Among others, the probability analysis approach has difficulty in deciding objective probability, and thus it is necessary to obtain subjective probability through expert empirical prediction, modify it by the bayesian formula and get a posteriori probability, and substitute it for objective probability in risk measurement and risk premium calculation

    其中，概率分析方法在應用中就存在客觀概率不易確定的難點問題，因此需用專家經驗預測法得到主觀概率后，利用貝葉斯公式加以修正並獲得后驗概率，再用后驗概率代替客觀概率進行風險的度量及風險收益的計算。
  9. 3 ) signal game theory should be introduced into the frame of financial crisis control. the departure in behavior policy making under the condition of unsymmetrical information can be rectified by correcting the probability. the author also points out the importance of " experience " in correcting probability and guarding against crises

    3 、將信號博奕理論引入到財務風險控制框架中，提出通過概率修正來糾正不對稱信息條件下的行為決策偏差從而達到風險控制目的，同時指出「經驗」在概率修正和風險防範中具有重要作用。
  10. If commercial banks in china meet the requirement of the new capital accord, many questions must be solved, including the possible continual worse in capital adequacy, a lot of drawbacks in the current standard of measuring capital adequacy, imperferction in the internal system of assessing risk, and so on. in order to cope with the challenge from the internal and international financial market, commercial banks in china should make full use of the advanced managing experience of international banking, raise capitals by all possible means, make capital structure perfect, set up preliminary system of assessing risks with conceratration on internal ratings - based approaches, and continue to improve the quality of assests and the capability of gaining profits

    與新協議的要求相比，我國商業銀行資本管理存在著相當大的差距，主要表現在：資本充足率可能進一步下降，現行資本充足率測算標準存在諸多缺陷，風險評估體系很不完善，等等。為迎接新協議實施后來自國內外金融市場的巨大挑戰，我國商業銀行應充分借鑒國際銀行業的先進管理經驗，發揮后發優勢，進一步拓寬籌資渠道，完善資本結構，初步建立以內部評級法為核心的風險評估體系，規范資本管理信息披露，繼續改善資產質量，捉高盈利能力，以便盡早與新協議的要求接軌，提高我國銀行業的國際競爭力。
  11. This paper explains the basic knowledge and basic theories of national debt, gives the calculating formula of construe and stochastic construe separately. combing with the monadic regression model, the paper analyses the development of issuing scale of national debt of our government annually, studies the evolvement of scale of national debt and its relevant policies, and analysis the experience indexes measuring scale of national debt which is prevail in the world quantificationally. comparing with western developed countries further, based on that, there is a conclusion in this paper, the government issuing scales of national debt is appropriate at present, but it is impossible to increase the issuing scale

    本文闡述了國債的基本知識和基本理論，用數學分析和隨機分析的方法分別給出了債券的收益率和債券定價的計算公式，結合國債規模的一元回歸模型，仔細分析了我國政府年度舉債規模的發展變化，研究我國國債規模及相關政策的演變，並就國際流行的衡量國債規模的經驗指標進行了定量分析，由此進一步與西方發達國家進行比較，得出我國現階段國債的發行規模是適度的，但進一步增大發行的空間不大，為避免財政風險，發行規模應逐漸減小，積極的財政政策應在適當的時機逐漸淡出。
  12. In order to solve the problem of credit stinting in the loan operation of commercial banks in our country, we should borrow the experience of the american government to build the second class market, etc. we should jump out of the thinking inertia only in the risk to find the countermeasure, and encourage the lenders to lend according to the bank interest combined with guarantee measures

    要解決這一問題，應借鑒美國聯邦政府運用擔保、建立學生貸款二級市場和支付特別津貼等財政性激勵手段，解決放貸資金風險性大、流動性差和獲利困難等問題的經驗，跳出只在「風險性」上尋找對策的思維定勢，圍繞貸方利率並結合擔保等手段激勵貸方放貸。
  13. According to these researches and america ' s successful experience, some result is given as follow : when the venture enterprise is very successful, it will be listed on the main board. if it does n ' t reach the main board - listing standard, it should be listed on the second board of overseas

    根據以上研究分析並借鑒美國成功經驗，得出研究結論為：當風險投資項目完全成功時，盡量考慮到主板市場上市，因為目前中國主板市場上市，市盈率普遍偏高，可以籌集到更多資金。
  14. But with the increase in the hardness of petroleum exploration, the experience and lesson in the petroleum exploration history over the world ask to develop early reservoir description in the preparatory reconnaissance stage. it can reduce the risk of exploration and improve the exploration benefit significantly. therefore by explaining the definition, significance and task of early reservoir description, this paper proposed a systematic thought and method about early reservoir description, and applied in the sidaogou structure of the hami depression

    但隨著油氣勘探難度的加大與勘探風險的增加，以及國內外眾多油氣田勘探成功與失敗的經驗教訓表明，在新區油氣予探階段就開展早期油藏描述工作已變得十分必要，它不僅可降低勘探風險，提高勘探成功率和勘探效益，而更重要的是可使我們在油氣勘探初期少走彎路。
  15. It includes five parts : the first one, introducing the investment and financing system of america and that of china, defining and describing it, explaining the financing methods in america which has a developed capital market and that in china which has a developing capital market ; the second part, introducing the venture capital from the point of innovation, analyzing venture capital and venture capital mechanism, analyzing venture capital and high - technology companies, getting the conclusion that the venture capital is needed by the system ; the third part, combining the investment and financing system and the venture capital, comparing the efficiency of different financing methods, indicating improving the agency organization for venture capital ; the forth part, pointing out that there has a big gap between deposits and loans as little companies are difficult to finance, showing the obstacle and limitation in our investment and financing system to develop venture capital, stressing the problems in the agency organization for venture capital ; the last part, pointing out the measures of reforming the investment and financing system to develop the venture capital in china which include macrocosmic and microcosmic methods, the former is government " s system innovation, the latter needs to reduce the venture by technical methods and to set up a healthy agency organization system for venture capital

    全文共分為5個部分，第1部分介紹中美投融資體制的現狀，說明投融資體制的定義及其作用，從融資方式角度說明市場經濟發達的美國和正處于轉軌時期的中國這二者的投融資體制；第2部分從創新角度介紹風險投資這種創新投資方式的產生，分析風險投資與風險投資機制、風險投資與高科技企業，得出風險投資產生的制度必然性；第3部分將我國現行投融資體制與風險投資的發展有機的結合在一起，比較我國現行融資方式的效率，指出要發揮風險投資中介機構的作用；第4部分指出我國投融資體制中出現的銀行存貸差擴大和中小企業融資難問題，說明風險投資在中國現行投融資體制下的發展存在制度上的障礙與缺陷，重點提出我國風險投資中介機構中存在的問題；第5部分提出我國改革投融資體制發展風險投資應採取的一系列措施，包括宏觀和微觀兩個角度，宏觀角度指政府的制度創新職能和制度創新措施，微觀角度一方面要運用技術手段降低風險投資的經驗風險，另一方面要盡快建立健全的風險投資中介機構2內容提要一體系。
  16. Compared with the traditional financing modes, bot can not only ease direct finance burden and debt risk from government, but also introduce the advanced technology and management in, to improve the operating efficiency of project, to meet the social and public requirement s in advance. however, its unavoidable weaknesses, e. g. huge scale capital requirement long term operation cycle, complicated structure, a lat of uncertain factors, esp

    雖然，與傳統投資方式相比， bot投資方式具有能減少政府直接的財政負擔、避免政府的債務風險，引進先進的技術和管理經驗，提高項目的運作效率、提前滿足社會與公眾需求等優點，但也存在著投資規模大、經營周期長、結構復雜、不確定因素多、風險較大等缺點。
  17. But statistically, the former manifests significant discriminant power while the latter does not. second, the above empirical results also show that the edf model has good performances in such developed countries as the u. s. a., etc, however, it is inappropriate to apply the edf model in china directly. third, the empirical formula in the new accord, which links the corporate default risk with corporate asset return correlation coefficient, cannot capture the credit risk of china ’ s listed companies very well

    從中本文得到了如下的一些結論:第一，從直觀上看，基於會計信息的logit模型對我國上市公司的信用風險具有明顯的判別能力，基於市場信息的期權理論模型? edf模型也似乎具有一定的判別能力;但從嚴格的統計意義上來看， logit模型仍然具有顯著的判別能力，但edf模型的判別能力不明顯;第二，本文的實證結果同時也說明，雖然kmv公司提出的edf模型在美國等發達國家的應用具有較為良好的表現，但將edf模型直接應用到我國顯然並不適合;第三，新巴塞爾協議中將公司的違約風險與公司間資產收益率相關系數聯系起來的經驗公式也不能很好地捕捉中國上市公司信用風險方面的市場信息。
  18. Based on the summary of previous evaluation methods, this paper points out the shortcomings of them, then draw the theory of artificial neural network into risk evaluation, through an example of some kind of investment project and the training and examination of a group investigation sample, it sets up the artificial neural network model. at last, this model is applied to the real case of an engineering project to evaluate its risk level and satisfactory result is made ; in the fifth chapter of this paper, the main risk factors that affect the economic appraisal of the engineering investment project are described through the form of relationship chart. then it is proved by way of deduction of formula that the risky influence that is brought by inflation must be considered in the engineering investment project

    本文在對以往評價方法進行歸納總結的基礎上，指出其中存在的不足之處，將人工神經網路理論引入到風險評價中，以某一類投資項目為例，通過對一組調查樣本的訓練和檢測，建立了工程投資項目風險評價的人工神經網路模型，並通過實例對模型進行了驗證，取得了滿意結果；在本文第五部分，對影響工程投資項目經濟評價的主要風險因素以關系圖的形式進行了描述，然後通過公式推導證明了在工程投資項目中應該考慮通貨膨脹帶來的風險影響，接著在分析以往建立的經濟評價凈現金流量表達式存在不足的基礎上提出了另外一種方式的表達式，即凈現值解析模型，對該模型的求解進行了詳細的說明，並分析了如何恰當的選擇各風險變量的概率分佈，最後在考慮投資者風險偏好的前提下，提出了工程投資項目新的風險度量模型。
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