貸放競爭 的英文怎麼說
中文拼音 [dàifàngjìngzhēng]
貸放競爭
英文
lending race-
Business loans can offer up to 79 % ltv ( loan to valuation ) with variable rates, depending on status and length of term
商業貸款一般可從1 ， 000 ， 000英鎊50 ， 000英鎊在高度競爭的商業貸款放款利率從領導The bursting of the property price bubble dampened considerably the demand for mortgage finance. with the general demand for credit also remaining subdued as a result of the slow economy, there was a surplus of liquidity among the banks, resulting in much more competitive pricing for such traditionally good quality assets as home mortgages
物業價格泡?爆破令按揭貸款需求大為減少，加上經濟放緩下對信貸的整體需求疲弱，促使銀行體系流動資金過剩，引發住宅按揭貸款這類傳統優良資產的利率極具競爭力。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。" however, banks should ensure that they do not relax their credit standards amid the current fierce competition for new business.
即使如此，鑒于目前新造按揭業務的競爭激烈，銀行不應放鬆信貸標準。Now suppose the bank must develop an internet service, on - line banking, or an on - line loan origination system for its customers if it is to remain competitive
現在，假設該銀行必須為客戶開發internet服務、在線銀行或在線貸款發放系統以保持競爭力，結果會怎麼樣。After 1989, the increase of demand slowed down and facing the complexion of low degree of industrial concentration of product market and financial strain of medi um and small - sized enterprises caused by the circulating trap of " credit squeeze - - - bad loan ", the advantageous enterprises " " wallow in money ", specifically, those listed companies that could finance from the stock market, began to take predatory pricing strategy in succession and tried to enlarge market share and obtain high return by squeezing medium and small - sized enterprises out of the market after 1998, the vicious circle of deflation and " credit grudging " of banks in product and credit markets, overcapacity, the difficulty of retreating of loss - incurring enterprises in some industries from the market for institutional reasons and over - competition in some industries, led to the incessant decrease of enterprises " global income, persistent increase of rate of debts and constant rise of ratio of bad assets of banks, which further intensified the vicious circle of deflation and " credit grudging " of banks
如在改革開放初期，在產品市場需求旺盛和信貸市場預算軟約束的情況下，各類企業的最優決策就是採用高負債、高擴張的「負債的有限責任效應」策略來搶占市場並獲得高回報； 1989年以後，需求增速開始放緩，面臨產品市場產業集中度較低和信貸市場「信貸緊縮-不良貸款」循環陷阱導致的中小企業資金緊張的局面， 「錢袋鼓鼓」的優勢企業（尤其是那些可以通過股票市場融通資金的上市公司）紛紛採用掠奪性定價策略，試圖通過把中小企業擠出市場來擴大市場份額並獲得高收益； 1998年以後，產品市場和信貸市場形成了通貨緊縮和銀行「惜貸」惡性循環的狀況。產品市場上部分行業生產能力嚴重過剩，且由於體制等原因導致虧損企業無法退出，因此這些行業中出現了過度競爭的現象，企業總體收益的不斷下滑、負債率不斷提高以及銀行不良資產率的持續上升，又進一步加強了通貨緊縮和銀行「惜貸」的惡性循環。Banks are reminded not to relax their prudent lending criteria amid keen competition for mortgage businesses, " said mr. david carse, deputy chief executive of the hkma
面對按揭業務市場激烈的競爭，銀行應注意不要放寬審慎的信貸標準。Further supervisory effort will be devoted to ensuring that banks underwriting standards for loans are not compromised through intense competition for business and the subdued demand for loans
此外，金管局在進行監管時，會特別留意確保銀行不會因為競爭激烈及貸款需求呆滯而放鬆了貸款準則。In the preliminary stage, the special circumstance of financial reform facilitates system competition between securitization of credit asset and corporate asset
證券化試點階段，中國特定的金融改革和開放條件促成信貸資產證券化和企業資產證券化的制度競爭。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。The third part, imagination of restructuring our country financial system to adjust in competition, the country credit union should abandon its corporate quality step by step and develop as a commercial bank of stock system. it should have clearly property right system, establish effective restriction and supervision system, perfect credit system, engage in developing working range, strengthen cultivate person with ability and perfect employment system
重構我國農村金融體系的設想農村信用社在競爭中的調整? ?逐步放棄合作性質，向股份制商業銀行發展，明晰產權關系，建立有效的約束、監督機制，完善信貸制度，積極拓展業務范圍，同時加強人才培養，完善用人機制。分享友人