貸款分級 的英文怎麼說

中文拼音 [dàikuǎnfēnjí]
貸款分級 英文
loan grading
  • 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...
  • 分 : 分Ⅰ名詞1. （成分） component 2. （職責和權利的限度） what is within one's duty or rights Ⅱ同 「份」Ⅲ動詞[書面語] （料想） judge
  • 級 : Ⅰ名詞1 （等級） level; rank; grade 2 （年級） any of the yearly divisions of a school course; gra...
  • 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. Through position analyzing and estimating, salary investigating, salary orientation and salary structure designing, working out a scientific, rational and open salary system. the emphases of welfare is to provide payment of house loan interest, purchasing life insurance for technical cadremen, etc. increasing challenge to working contents, organizing train plan to employee, encouraging study the skill of speciality and management. providing promote chunnel for technical personnel

    通過職位分析，職位評價，薪酬調查，薪酬定位和薪酬結構設計，制定出一套科學、合理、公開的薪酬制度框架；福利制度重點是提供住房貸款利息給付計劃，為技術骨幹購買商業人壽保險等；工作內容上增加挑戰性；組織實施員工的培訓計劃，鼓勵員工進行專業技術和管理技能的學習；提供與行政級別平行的技術職務升遷通道。
  2. Chinese banking begin and try and set up as far back as 1996 " award letter, examine loan separate, hierarchical examination and approval, responsibility clearly demarcated in unison " award letter management system, introduced customer ' s credit rating system and loan risk categorized system again later, make loan authorize system and customer award letter management method in unison, pursue customer award letter manage in unison all - sided

    中國銀行業早在1996年就開始嘗試建立「統一授信、審貸分離、分級審批、責任分明」的授信管理體制，后來又引進了客戶信用評級體系和貸款風險分類制度，制定了貸款授權制度和客戶統一授信管理辦法，正在全面推行客戶統一授信管理。
  3. Wells fargo still remains in far better shape than many of its peers because it sold most of the $ 2 trillion in home loans that it originated since 2001 and invested relatively little money in the mortgage - backed securities that are lumping other big banks with multibillion - dollar losses

    相對于其他同類銀行，富國銀行的狀況要好得多，他已經出售了大部分次級債，在2001年，他們曾經共持有2萬億美元的住房貸款，同時在抵押貸款證券中相比其他公司數以十億計的損失顯得非常小。
  4. Analysts at goldman sachs reckon that, despite the large write - downs already announced by financial institutions, another $ 108 billion - worth of losses on subprime cdos have yet to surface ( see chart )

    高盛公司的分析家又計算得出，除財政機構已聲明的資產減值外，次級抵押貸款證券仍有價值1080億美元的損失（見圖表） 。
  5. This paper analyzes the institutional defects in view of the policy environment, the primary market of mbs, the secondary market of mbs, and offers countermeasures : first, setting up national housing mortgage management institution, second, enlarging the service scope of housing mortgage - backed loan, third, differential loaning, fourth, regularly issuing the pricing of housing construction ; fifth, normalizing the institutional investors

    從政策環境，抵鉀貨款一級市場，抵押貸款二級市場分析了中國房地產抵鉀證券化的制度缺陷，進而提出了對策措施： 1 ）成立國家住宅抵押管理機構； 2 ）擴大房地產抵押貨款范圍； 3 ）區別放貨； 4 ）國家定期公布房地產造價； 5 ）規范mbs機構投資者。
  6. So it caused considerable surprise on august 23rd when bank of china, one of the country ' s biggest lenders, revealed that it held a $ 9. 6 billion exposure to securities backed by american subprime mortgages ? albeit most of them highly rated

    所以，當中國最大的貸款機構之一，中國銀行在8月23日公布其持有96億美元的美國次級抵押風險債券時，引起震驚?盡管大部分是高收益債券。
  7. At first, this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system, and established the system of personal credit evaluate ; the second, the thesis discusses the investment technique and strategy of national debt in the provident fund, and established the model about how to invest the national debt ; the third, the thesis build the forecast model about fund collecting and drawing, and make use of the combination invest theories to build model of individual loan and national debt ; at last, the thesis analyses the risk ' s inside reason of house funds with the risk type, and to give out the related suggestion to funds risk. mechanism. the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds

    本文首先分析了個人住房貸款制度基本要素，即貸款期限、貸款利率與抵押物價值的比例、政府在個人住房貸款市場中的作用、貸款違約情況下的處置措施、個人住房貸款的流動性問題，並對中外製度作了比較，建立了個人信用評分評級體系和信用評估模型，並以重慶市住房公積金為研究對象做出了住房資金個貸風險評估的實證研究；其次，分析了影響國債價格走勢的因素，討論了公積金國債的投資技巧和策略，並建立了基於理論的國債投資組合模型；接下來，根據資產負債管理理論中的資金總庫法和資金分配法分析了公積金總體資金項目的來源和運用，並就此作了總量平衡模型，對住房公積金季度累計歸集金額作了直線回歸和季節趨勢比率預測，運用投資組合理論建立了公積金個人貸款和國債投資組合的最優化模型；最後，探析了住房資金風險的內在原因和風險類型，從資金籌集風險、信貸回歸風險、保險機制、法律風險和政策風險五個方面為住房資金風險防範機制建設提出了相關建議。
  8. For example, the case coded nc 2005 - he 4 of credit suisse first boston is a good case. offering amount is 400 million, and have 16 trenches and cap and swap in the structure

    根據國外的研究，大部分的資產支持證券和住房貸款抵押支持證券採用浮動利率，信用評級為aaa級且久期（ duration ）較短。
  9. Through the study of the style of knowledge description, the paper elaborates the numerical model knowledge, the symbolic experience knowledge and the instantial swatch knowledge. these three kinds of different knowledge have been used in loans risk classification in the paper. just as the using of the object oriented technique and the ai ( include es, ann, and the integrated of ann and es ) technique, can the paper realize the five - grade loans risk classification

    本文通過對知識描述形式的研究，表述了經驗符號性知識、模型化數量性知識和實例樣本性知識三種類型，通過對其行為特徵及轉換、集成的研究，將這三種異構知識引入貸款風險分類分析；採用面向對象技術和人工智慧的es 、 ann兩種形式及其結合，實現了貸款風險五級分類。
  10. Ultimately, the emphasis will be sound fundamentals, such as strong capital adequacy ; high liquidity ; prudent loan classification and provisioning, as well as sound risk management. " for 1998, higher provisions are expected but the local banks should still be able to report reasonable profits.

    歸根咎底，監管的重點始終是放在銀行良好的基礎因素上，例如充裕的資本比率豐厚的流通資金審慎的貸款分級及充分的準備金調撥，以至完善的風險管理等因素。
  11. Under the present conditions. the foundation of carrying out mbs in china is still quite frail and to bring mbs to practice in a large scale is beyond the means. besides, although there is potential requirement for mbs, it is actually not obviously urgent. to enlarge the source of capital in fundamental market and to stir the need of housing are regarded as the reasons for adopting mbs. this paper is intened to comment on it and in the mean time to research into the marketing situation and the institutional situation by using the successful experiences of american and western countries for inference, so as to put forward the opinion that the main task of china ' s carrying out mbs is to create favorable marketing and institutional conditions for them and. to improve responding marketing system to foster the exterior environment for the implementation of mbs so as to enable the institutional law system, instead of the non - institutional administrative support, to ensure the success of carrying mbs into execution

    在目前條件下，中國推行住房抵押貸款證券化的基礎還十分脆弱，基本上不具備大規模開展住房抵押貸款證券化的條件，雖然有進行住房抵押貸款證券化的潛在要求，但就其緊迫性而言並不十分突出。擴大抵押貸款一級市場資金來源與提高住房市場有效需求被認為是在我國實行住房抵押貸款證券化的重要依據。本文主旨是對我國實施住房抵押貸款證券化進行研究，主要思路是結合我國國情，同時借鑒美國及西方一些發達國家的成功經驗，就實施住房抵押貸款證券化所需具備的市場條件和制度條件進行探討，提出當前我國實行住房抵押貸款證券化的主要任務是為住房抵押貸款證券化創造各種市場條件和制度條件，完善相應的市場制度以培育實施資產證券化所需要的外部條件，讓制度性的法規體系而不是非制度性的行政支持來確保我國資產證券化市場的逐步形成和健康發展。
  12. The new loan classification system

    新貸款等級分類制度
  13. The monetary authority introduced in december 1994 a new measure which requires authorised institutions to report on a quarterly basis their assets according to a standardised loan classification system and provisions made against the specified categories

    金融管理局於一九九四年十二月推出一項新措施，規定認可機構須按標準貸款等級分類制度，每季就其資產以及對各類資產所撥出的準備金作出匯報。
  14. Part three : analyzing the present situation of developing housing mortgage securitization in china, including the elementary mortgage market, the mortgage guarantee and insurance mechanism, intermediary agency in capital market, potential investors, and law circumstance, tax, accounting etc. part four : depending on the analysis of the second part and the third part, putting forward the steps and strategies to develop housing mortgage securitization in china and the objective mode of housing mortgage securitization in china

    第三部分：分析我國目前發展住宅抵押貸款證券化的背景條件，包括住宅抵押貸款初級市場、抵押擔保保險機制、中介機構、潛在的機構投資者、相關的法律環境、稅收、會計等一系列條件。第四部分：通過第二、三部分的分析，提出我國發展住宅抵押貸款證券化的策略和目標模式。
  15. Part three : analyzing the obstacles of developing the housing mortgage securitization in our country now, including the our country housing mortgage scale is not enough big, insurance and guarantee mechanism is not sound and personal reputation mechanism is not perfect, the marketization of interest rate system is not completed, the development of institution investor is still not mature and the development of intermediate institution is not perfect, the system of law is not sound, the related accounting system and tax revenue system is lack and blank etc. part four : passing the analysis of the second and third part put forward the whole idea and concrete strategies in our country to develop the housing mortgage securitization

    第二部分：首先對全球住房抵押貸款證券化的發展狀況進行了簡要的介紹與分析，然後選擇對我國有借鑒意義的美國、加拿大和香港等典型國家和地區的住房抵押貸款證券化實踐進行了詳細的比較分析，並從中得出：住房抵押貸款證券化是住房抵押貸款一級市場巨大發展的必然結果：政府的支持非常重要；住房抵押貸款證券化的發展需要一定的基礎條件以及需要因地制宜等一些關鍵性的啟示。第三部分：分析了我國當前實施住房抵押貸款證券化所面臨的一些具體障礙，其中包括有我國住房抵押貸款規模不夠大、保險與擔保機制不健全、個人信用體系不完善、利率體系非市場化、機構投資者的發展還不成熟、中介服務機構發展不完善、法律法規制度不健全以及相關會計制度和稅收制度的欠缺和空白等一系列的問題。
  16. In this thesis, the default rate can be inferred by using the historical data of bank risk division, the data of cost of funds can be got by using the funds transfer pricing, and use the activity - based costing to calculate the operation cost. all of these works are useful to the research on the loan pricing in the liberalization of interest rate

    本文通過銀行貸款五級分類歷史數據推導出銀行的違約概率，通過構造銀行內部資金轉移價格曲線確定資金成本，利用作業成本法進行貸款成本核算，為利率市場化趨勢下我國商業銀行的貸款定價做了一定的研究工作。
  17. As the financial system reformation goes more further, the ccbs have no systematic advantages any more, meanwhile, the disadvantages like small - sized, weak bases, lack of capital and complex competition ability, especial the profit ability has became more and more obvious. according to the statistics offered by the china banking regulatory commission ( cbrc ), by the end of 2004. 11, the total assets of all the ccbs in china is 1. 9 trillion, and the equity is 693 billion. according to the five - category classification, the balance of non - performing loans ( npl ) is 9. 7 %, and the average capital adequacy ratio is 2. 7 %, while the average total assets is less than 0. 1 %, which is only 1 / 12 of american average level

    我國中小商業銀行的主力軍? ?城市商業銀行風風雨雨近十年，在過去的十年中，初步化解了多年積累的風險、在地方經濟發展中發揮了重要的作用;隨著金融體制改革的全面深化，城市商業銀行的體制、機制優勢逐漸與競爭對手同質化，規模小、底子薄、資本實力弱、綜合競爭能力差尤其是贏利能力弱的劣勢日益凸現，據銀行業監督管理委員會的統計，截止2005年11月，全國城市商業銀行資產總額為1 . 9萬億、所有權權益693億、按照貸款五級分類，不良貸款余額為1027億、平均不良貸款率為9 . 7 % 、平均資本充足率為2 . 7 % ，其中平均的總資產收益率不到0 . 1 %是美國平均水平的1 / 12 ，就是跟印度、馬來西亞等發展中國家比差距也不小，中小商業銀行的財務問題逐漸成為了其進一步發展的瓶頸，財務風險凸現，潛在的財務危機也日益加大。
  18. In an effort to allow banks as well as regulators to better monitor bank asset quality in accordance with international practice, a five - category classification system was formally implemented in 2002

    為讓銀行及監管機關按照國際標準更有效監察銀行資產質素，於2002年正式實施五級貸款分類制度。
  19. In the first part, the article introduces the basic concept and the fundamental of the loan risk classification, after the compare to the lately “ yiyuliangdai ” risk classification and the and the compare to the risk classification under international rules ( american model, oceania model, european model ), the article also discusses the real meaning of the 5 loan risks classification ' s implement

    本論文第一節介紹了貸款風險分類的基本概念及其原則，並通過縱向的與我國原有以期限為基礎的「一逾兩呆」貸款分類方法；橫向的與貸款風險分類的國際慣例（美國模式、大洋洲模式、歐洲模式）進行比較，論述了推行五級貸款風險分類法的現實意義。
  20. We have dropped behind the international advanced technology. i follow the order of theoretical analysis, and then practice verifying and finally guiding practice with relative theory. on the base of thorough studying of present international credit risk management technology, i went to the bank to have a investigation, after having a research in detail about the data and information of the bank, i build a new credit rating model

    我遵循理論分析?實踐驗證?以理論指導實踐的思路，在學習借鑒當今國際銀行間的信貸風險管理技術變革的現狀與發展方向的基礎上，深入銀行對商業銀行的貸款管理現狀進行了仔細的調研，詳細分析了銀行近幾年的貸款資料，參考當前我國銀行通用的信貸管理方法，建立了新的貸款評級模型。
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