貸出的能力 的英文怎麼說
中文拼音 [dàichūdenénglì]
貸出的能力
英文
banking power-
Study suggests the main constraints of individual housing loan : lower ability of accepting loans ; defects of financial market ; weak governmental support ; unideal external environment. consequently, the paper put forward solutions to improve individual housing loan : increase inhabitants " income and improve their ability to accept loans. increase real monetary income and decrease housing prices and taxes as well
從絕對量上來看居民收入水平低；從相對量來看是房屋價格過高，居民收入與房價的比例過高，遠遠高於國際通行標準，也遠遠超出了居民的承貸能力范圍；從住房供給結構上來看，高檔住房供應過多，與居民的實際需求不符； （ 2 ）住房金融市場體系缺陷。By dissecting the problems in the managerial and operational mode of residential accumulation funds, it presents some suggestions to perfect our residential accumulation fund system by perfecting its accommodation system, amplifying its managerial system and its supervising mechanism. as for the commercial individual housing mortgage loans, the author analyzes in detail the problems in individual housing credit by taking chongqing as an example and puts forward some countermeasures. he also categorizes the risks of individual housing mortgage loans and points out how to guard against the risk of individual housing mortgage loans for commercial banks, which lies in the accurate assessment of the certifying ability of the real estate developer, the thorough investigation of his property and credit, strict control over the evaluation value of the property and the volume of loan and dealing risks promptly, resolutely, flexibly and effectively so as to strangle the risk in cradle
針對住房公積金管理運作模式存在的問題，提出從完善住房公積金融通制度、健全公積金運作管理制度、嚴格公積金監督管理機制幾方面完善我國的住房公積金制度的建議；商業性的個人住房抵押貸款以重慶市為例對個人住房信貸存在的問題進行詳細分析提出對策，並將個人住房抵押貸款的風險進行歸類，提出商業性銀行個人住房抵押貸款風險的防範主要是在於對房地產開發商保證能力的評估，對其資信情況的調查，嚴格控制物業的評估值和貸款成數，並及時、果斷、靈活、高效，處理出現的風險，將風險消除在萌芽狀態。This essay focuses its study and comparison on the tendering system of international financial organization, raises the necessity of foreign loan tendering system, considering the existing tendering situation in fields of capital construction, mechanical equipment, imported electrical and mechanical equipment, government purchasing and foreign loan purchasing, and gives constructive views in tendering and bidding procedure of project construction agencies and construction supply enterprises, so as to improve the construction level of the foreign loan projects in our country, increase the bidding ability of our enterprises for participating international projects, and promote the establishment and improvement of the tendering and bidding management system in our country after learning from tendering purchasing system abroad
本文主要研究和對比國際金融組織的招標制度，結合我國在基本建設項目、機械成套設備、進口機電設備、政府采購、國外貸款采購等領域的招標投標現狀，提出研究國外貸款招投標制度的必要性並結合實際工作經歷，為我國項目建設單位和貨物與工程供應企業在招標投標環節提出建設性意見。以期提高我國利用國外貸款項目的建設水平，提高我國的企業參與國際工程投標能力，並借鑒國外招標采購制度，加快我國招投標管理體制的建立和完善。Another type of risk, called purchasing - power risk, is the risk that, due to an unexpectedly high inflation rate, the future interest payments, and the principal of the loan when finally repaid, will have less purchasing power than the lender anticipated at the time the loan was made
另一種類型的風險稱為購買能力風險，這是由意外的高通貨膨脹率所引起的風險，即最後還貸時的本金和利息的購買力比惜出者當初放款時所期望的購買力要低。The department can really realize one - stop service on case reporting, emergency rescue, urgent repair, view of the scene, accident handling, evaluation and compensation adjustment, and following service. at present, the company has 1000 car policy - holders
結合公司自身的實力，能有效的實施24小時汽車出險報案，汽車緊急救援、搶修、現場勘察、事故處理、評估理賠、跟蹤服務等系統，連同個人汽車消費貸款以及二手車交易信息真正實現了一條龍服務。Neither the bank, its associates, nor any of their directors, officers or employees, shall be liable to the customer for any expenses, loss or damage suffered by or occasioned to the customer by reason of any action taken or omitted to be taken by any one or all of the bank, its associates, their directors, officers, employees or agents pursuant to these conditions or in connection therewith other than as a result of the fraud, wilful default or negligence of the bank, its associates, their directors, officers, employees or agents ; the bank s failure in good faith to honour any stop - payment instructions given by the customer ; the presentation to the bank of any cheque or other payment order which is post - dated ; the bank failing to honour any draft drawn on it by the customer, but the bank shall immediately return such draft to the customer through the normal channels giving the reason for the dishonour ; any loss, damage, destruction or misdelivery of or to the securities howsoever caused unless the same shall result from the negligence of, or theft by, the bank or its associates or any of their directors, officers or employees, in which event the extent of the liability of the bank shall be limited to the market value of such securities at the date of discovery of the loss and even if the bank has been advised of the possibility of such loss or damage ; unauthorised use or forging of any authorised signature as a result of the negligence, wilful default or fraud of the customer ; subject to condition 5. 5, any act or omission, or insolvency of, any person not associated with the bank including, without limitation, a third party nominee or depositary ; viii the collection or deposit or crediting to the custodian accounts of invalid, fraudulent or forged securities or any entry in the custodian accounts which may be made in connection therewith ; any malfunction of, or error in the transmission of information caused by, any electrical or mechanical machine or system or any interception of communication facilities, abnormal operating conditions, labour difficulties, acts of god, or any similar or dissimilar causes beyond the reasonable control of the bank and notwithstanding paragraph, the error, failure, negligence, act or omission of any other person, system, institution or payment infrastructure
本行其聯系人士其各董事高級人員或雇員均毋須向客戶因以下理由而使客戶蒙受或產生之任何開支損失或虧損負責： i本行其聯系人士其董事高級人員雇員或代理人根據此等條件採取或遺漏採取有關之行動，但由於本行其聯系人士其董事高級人員雇員或代理人之欺詐行為故意失責或疏忽所造成者除外ii本行本真誠地未能依約替客戶執行止付指示iii向本行提交任何遠期支票或其他付款指示iv本行未能兌現由客戶開出之匯票，但本行將立即透過正常渠道將該匯票退回客戶，並解釋拒付之理由v無論如何導致之任何證券之損失損毀毀壞或錯誤交付除非上述各項乃因本行或其聯系人士或其任何董事高級人員或雇員之疏忽或盜竊所引致，而在該等情況下，本行的責任將只限於在發現損失當日該等證券之市值，以及即使本行已獲知該等賠償之可能性vi因客戶之疏忽故意失責或欺詐行為而導致的任何偽造授權簽名或不獲授權使用該簽名vii在第5 . 5 a條之規限下，與本行無關者之任何行動或遺漏或無償債能力包括但不限於第三者代名人或寄存處viii代收或存入或貸存於保管人賬戶的無效偽造或假冒證券或在保管人賬戶記入可能與此有關之賬項ix任何電子機械或系統失靈或因該等機件或系統產生的資料傳送錯誤或任何通訊設施之終斷不正常操作情況勞工問題天災或非本行所能合理控制之任何類似或非類似原因及x盡管有第ix項，任何其他人系統機構或付款設施的錯誤故障疏忽行動或遺漏。The econometrics model is put forward and we confirm that variables that human resource quality, loan quality the property right structure and so on ca n ' t be brought into in - put and out - put determine the affected way and degree of the bank efficiency
建立了計量經濟模型，明確人力資源質量、貸款質量、產權結構等不能納入投入產出的銀行特徵變量對銀行效率的影響方式和影響程度大小。In another word, the credit in a broad sense is a wordkeeping behavor that is based on some psylogical phenomenon. credit in a narrow sense is money lending which is a kind economic phenomenon. second, the thesis introduce negotiable instrument in a general way, which include the negotiable instrument ' s meaning, extension, characteristic, sort and function
廣義信用是二元主體或多元主體之間，以某種經濟利益為目的，建立在誠實守信基礎上的心理承諾與約期實踐相結合的意志和能力，這是一種以心理現象為基礎，人們所表現出的遵守承諾的行為；狹義信用即人們所說的借貸，是一種經濟現象。Abstract : setting out from the characteristic of house financial markets actual in china, a deeply analysis in varies risk and its causes is made. a few countermeasure keeping away house financial risk, for instance developing house financial serving organization such as the broker buildup by certification lawyers and classify insurance and excessive pledge and conforming house mortgage rate reasonably and evaluating loan repay ability in science is put forward
文摘:從我國目前住宅金融市場特點出發，深入分析了銀行貸款面臨的各種風險及其產生的主要原因，提出了發展以執業律師為主體的住宅金融服務機構? ?抵押貸款經紀人、分類保險、多重保證、合理確定房產抵押率、科學評估貸款人償貸能力等具體的金融風險防範對策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。Consequently, in order to promote the application of water - saving irrigation technology. it is essential that ( 1 ) to strengthen farmers " participation in irrigation technology construction and management ; ( 2 ) to introduce credit means and scientific research of high technology and low cost ; ( 3 ) to carry out policy of adjustment of agricultural water price and product structure accordingly ; ( 4 ) to form system of water - saving irrigation technology according to water resource reserves and farmers " economical endurance in different areas
為此，提出以下促進中國農業節水灌溉技術應用的政策建議： （ 1 ）加強灌溉工程建設和管理中的農戶參與。 （ 2 ）運用信貸手段和加強高科技含量、低成本的節水技術的科研投入等政府政府支持政策來激勵農產的技術需求。 （ 3 ）實行灌溉水價的結構性調整和農業生產結構調整相結合的策略，以便增強農戶技術改造的積累能力； （ 4 ）依據農業資源的地區性差異和農戶的經濟承受能力，分區域構建節水灌溉技術體系。According to the regulation, the worker has one of following state, can recover the memory remaining sum inside account of worker housing accumulation fund : ( 1 ) buy, build, break up build, overhaul lives oneself of housing ; ( 2 ) retire, emeritus ; ( 3 ) lose labor ability completely, stop labor to concern with the unit ; ( 4 ) the city that change of registered permanent residence gives a seat, county perhaps leaves the country resident ; ( 5 ) repay of loan principal and interest ; ( 6 ) the regulation that chummage exceeds domestic wage income is proportional
按照規定，職工有下列情形之一的，可以提取職工住房公積金賬戶內的存儲余額： （ 1 ）購買、建造、翻建、大修自住住房的； （ 2 ）離休、退休的； （ 3 ）完全喪失勞動能力，並與單位終止勞動關系的； （ 4 ）戶口遷出所在的市、縣或者出境定居的； （ 5 ）償還貸款本息的； （ 6 ）房租超出家庭工資收入的規定比例的。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。Based on the data from ten projects, this dissertation draws a both economical and qualified conclusion that micro - finance plays a positive impact on empowering poor people, increasing family property accumulation, improving the income of poor households and promoting innovation of poverty and financial policy, and the micro - finance institutes are far from being sustainable under the current low - interest - rate policy
本文通過定性和定量分析得出結論：我國農村小額信貸是一種有效的扶貧方式，對貧困農戶獲得信貸機會，提高綜合經營管理能力，增加家庭收入和財產積累等方面均有積極的作用；同時對我國的扶貧政策和金融政策產生了深遠的影響。It provides guidance to lenders to make sure borrowers are able to pay back mortgages with adjustable interest rates
它為貸方確保借方在利率變化的情況下有無還款能力做出了指導。- - information system to communicate quickly and accurately between different parts in the bank. the credit risk faced by the business organization, investor, and consumer is one
信用風險產生的最主要原因是借款人的還款能力出現問題，考察借款人收入的穩定性可以有效控制個人信貸信用風險。( 2 ) listed companies illegal guarantee relatively magnitude, in these amount of external guarantee, the illegal guarantee have a relatively large proportion. ( 3 ) the situation of external guarantee ’ listed companies is not optimistic, especially those of the illegal guarantee ’ listed companies. ( 4 ) external guarantee ’ listed companies exist large financial risk, while those of the illegal guarantee ’ listed companies ’ financial risk is particularly prominent. ( 5 ) the capacity of listed companies ’ external guarantee is relatively weak, the illegal guarantee ’ listed companies are more obvious manifestations ; the amount of illegal guarantee account for a large proportion of the total amount of guarantee. ( 6 ) substantial amount of guarantees of loans concentrated in the companies with large risk, listed companies ’ illegal guarantees manifested with the form of affiliated transactions, and, illegal guarantees ’ listed companies existence concealing information, deliberate failure to fulfil the obligation of information disclosure
（ 4 ）對外擔保的上市公司存在比較大的財務風險，而那些違規擔保的上市公司的財務風險尤其突出。 （ 5 ）違規擔保的上市公司對外擔保能力比較弱，越是違規的上市公司在這方面的表現越明顯;違規擔保總額在這些違規擔保的上市公司的擔保總額中佔有很大的比例。 （ 6 ）大量的違規擔保貸款集中於風險比較大的公司之中;上市公司違規擔保以關聯交易的形式表現出來。As the mogigizes mortgage industry goes through a period of adjustment, mr bush says the federal government will help troubled homeowners but not lenders who made unwise loans or consumers who purchased homes beyond their means
由於抵押業需要一個調整周期，布希表示聯邦政府將幫助有困難的房主，但不是那些輕率貸款的貸方或超出購買能力的消費者。Then it comes to a conclusion that the load - repaid ability is poor
通過分析湖北省收費還貸公路的現狀得出其償債能力不足的結論。The securitisation of home mortgage will be put out soon in our country as a new financial product, and it will enable the huge, poor - liquidity funds to be effectively used, thus to improve the strength that the banks within our border resist financial risks
住房抵押貸款證券化作為一種新的金融產品在我國即將推出，它將使住房抵押貸款這筆龐大的、流動性較差的資金得到有效的利用，提高銀行抵禦金融風險的能力。分享友人