貸款分配 的英文怎麼說

中文拼音 [dàikuǎnfēnpèi]
貸款分配 英文
credit rationing
  • 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
  • 配 : Ⅰ動詞1 （兩性結合） join in marriage 2 （使動物交配） mate （animals） 3 （按適當的標準或比例加以...
  • 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. The article hereby tried to analyze the function of the information transfer in the credit admeasure and then use it as a brealcthrough to find the ways or solutions to alleviate the contradiction

    本文選擇分析信息傳遞在信貸配給中的功能作用作為突破口，從中找出解決我國中小企業貸款難的有效方法和途徑。
  2. Adopting the theoretical and case analyses measures, there were 5 parts in the article as follows : the 1st part was to introduce the definition and standard of the s & m enterprises and analyze the function of their roles playing in the economy. the 2nd part was mainly to introduce the debt financing of the s & m enterprises and analyze the status in quo of their loan - applying by cases. the 3rd part was to analyze the reasons why the information dissymmetry leads the banks " credit admeasure for the s & m enterprises

    全文採用理論分析和案例分析相結合的方法，文章共分為五個部分：第一部分是在介紹中小企業的定義及標準的基礎上，分析中小企業在經濟中的作用；第二部分主要介紹中小企業的債務融資，並對我國中小企業貸款的現狀進行了較為詳細的實證分析；第三部分著重分析信息不對稱引發銀行對中小企業實行信貸配給的產生機理；第四部分提出緩解我國中小企業貸款難的一些對策和建議；最後是結論。
  3. When the aggregate total of margin financing [ for that type of security ] in securities business money lending, in the margin trading market, and in securities settlement financing by securities finance enterprises as referred to in the preceding paragraph exceeds 20 percent of the listed shares or number of beneficiary units of that type of security, the remainder under the limit shall be distributed proportionally ; the distribution method shall be drafted by the tsec and submitted to the competent authority for final approval

    前項辦理證券業務借貸款項與信用交易市場及證券金融事業辦理有價證券交割款項之融資餘額合併計算超過該種證券上市股份或受益權單位數之百分之二十時，應依比例分配所餘額度，其分配方式由證券交易所擬訂，並報主管機關核定。
  4. From left : takaaki kato, general manager, hong kong branch of mizuho corporate bank, ltd., chris chan, regional head, corporate banking, greater china the philippines of sumitomo mitsui banking corporation, james gibson, managing director and head of coverage of calyon, rose lee, managing director, head of corporate banking for hong kong of hsbc, eiichi yoshikawa, regional head for hong kong, general manager of the bank of tokyo - mitsubishi ufj, ltd., hong kong branch, amy kwok, executive director of sun hung kai properties financial services limited, gilles boumeester, general manager for north east asia of rabobank international, mignonne cheng, head of north and east asia, chief executive of bnp paribas, hong kong branch, jiang yi sheng, assistant general manager of industrial and commercial bank of china asia limited, grace fung oei, managing director, regional head of global corporates, greater china client relationships for wholesale banking of standard chartered bank hong kong limited, didier leblanc, managing director, head of loan and syndication, asia pacific, structured finance of bnp paribas, brian but, director and head of syndications for north east asia of rabobank international and derick chan, head of corporate banking of industrial and commercial bank of china asia limited

    牽頭經理行加拿大豐業銀行香港有限公司新地副主席兼董事總經理郭炳聯左七于銀團貸款簽署儀式上與眾簽約銀行代表合照，左起瑞穗實業銀行香港分行行長加藤孝明三井住友銀行大中華暨菲律賓企業銀行總裁陳志強東方匯理銀行詹傑遜香港上海豐銀行企業銀行業務常務總監兼香港區主管李慧敏三菱東京ufj銀行香港總支配人兼香港支店長吉川英一新鴻基地產金融服務有限公司執行董事郭婉儀荷蘭合作銀行東北亞洲區總經理鮑銘德法國巴黎銀行東北亞洲區域總裁香港分行行政總裁鄭陶美蓉中國工商銀行亞洲助理總經理姜壹盛渣打銀行香港大中華區環球企業客戶部董事總經理黃馮慧芷法國巴黎銀行香港分行董事總經理白迪曄荷蘭合作銀行董事兼東北亞區銀團貸款部主管畢漢華及中國工商銀行亞洲企業信貸部主管陳寶奎。
  5. The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate

    論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。
  6. 3. feasibility analysis of mbs the paper introduces and explains the theory of mbs and analysis the feasibility of mbs in china from many aspects, such as system, laws, financial environment, the situation of housing markets, macroeconomic effect, etc. the reform of land - using system provides mbs system pre - requisite ; the interrelated laws offer the law guarantee for mbs ; the issue of " security act " indicates that the security market of china is being normalized, and the developing prospect of finance in china brings mbs effective support ; the dilemma between the surplus and the shortage of commercial housing gives mbs an important turning point ; the macroeconomic effect of mbs is that it accelerates the economy, reduces the pressure of currency inflation, dissolves the operating risks of finance organs and makes the finance system operate steadily

    三、我國住房抵押證券化的可行性分析本文從住房抵押貨款證券化（ mbs ）的理論分析入手，結合我國住房抵押貸款的發展狀況，分別從制度、法律保障、金融環境、住房市場現狀、宏觀經濟效應等幾方面論述了mbs在我國的可行性：土地使用制度改革為實施mbs提供了制度前提；配套法律制度為實施mbs提供了法律保障； 《證券法》的正式出臺，標志著我國證券市場走向規范，我國良好的金融業發展前景為mbs提供了有效的支持；現階段住房市場的有效供給與有效需求雙重約束的矛盾存在，為證券化實施提供了重要契機； mbs的宏觀經濟效應在於拉動國內需求，促進經濟增長，減輕通貨膨脹壓力，化解金融機構經營風險，保持金融體系穩定運行。
  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. It indicates and also analyzes the problems of housing demand, credit capital supply and exertion, management system, risk keeping away mechanism, price forming mechanism, mortgage mechanism, market environment, lag of rules and laws and disposing of mortgage goods, ( chapter 3 ) part 4, the study of market system and government system of personal purchase mortgage on the precondition of monetary housing distribution analyze the foundations of market and government during this process and the problem of market disorder and government defection

    指出了目前我國個人購房抵押貸款運行中的住房需求、信貸資金供給和運用，經營管理體制、風險防範機制、價格形成機制、抵押機制、市場環境、法規滯后、以及抵押物的評估和處置上存在許多問題並對此進行了深入地分析與探討。 （第三章）第四，對住房分配製度轉變過程中個人購房抵押貸款的市場機制與政府機制研究。分析市場與政府在個人住房抵押貸款中的作用及其市場失靈、政府缺陷的問題。
  9. The state - owned banks are then supposed to ration the permitted amount of credit to loan seekers according to some prescribed criteria ( fernando, 1995 )

    然後，國有銀行需要根據既定標準分配獲得許可的信貸金額給借款人（ fernando ， 1995 ） 。
  10. But currently our country " s financing system is entangled with the following problems : 1 ) the resources of fund supply are monopolized by the bank loans ; 2 ) the big four state - owned banks provide too few loans to msfs ; 3 ) the allotment of loans between different msfs is unbalanced mostly at state - owned msfs advantage ; 4 ) the financing funds from the internal and external firms are disproportioned and the ratio of debt to asset is too high ; 5 ) the capital market is almost closed to msfs and they have no qualification of bond issuance

    而在我國目前的融資體制下，特許加盟企業存在著如下融資問題:資金供給渠道單一，主要是銀行貸款為主的間接融資:大型商業銀行對中小企業貸款份額較小:信貸融資在不同所有制中小企業之間的配置不均衡，銀行貸款偏重於國有和集體企業;企業內源融資渠道不暢，來自企業留存利潤部分的融資比例不高;直接來源的有效資金供給不足，尚沒有為中小企業服務的正規資本市場，中小企業發行債券受到限制。
  11. Article 17 for the commodities subject to export license control for repayment of foreign loans or under compensation trade projects, a license issuing agency shall issue the export license according to the catalogue for goods subject to the control of export license and the catalogue for grades license issuance of goods subject to the control of export license on the basis of the export quotas granted by the ministry of commerce for repayment of foreign loans or that of the compensation trade

    第十七條償還國外貸款或者補償貿易項下屬于出口許可證管理的貨物，發證機構按商務部制定的《出口許可證管理貨物目錄》和《出口許可證管理分級發證目錄》 ，憑商務部下達的償還國外貸款或者補償貿易的出口配額簽發出口許可證。
  12. Hsbc and bea acted as coordinating arrangers and joint book - runners for the facility, with citic ka wah bank limited citic industrial bank guangzhou branch acting as co - arranger

    是項銀團貸款之協調安排行及配售經辦行為匯豐銀行及東亞銀行，聯席安排行則包括中信嘉華銀行有限公司及中信實業銀行有限公司廣州分行。
  13. Hsbc and bea acted as coordinating arrangers and joint book - runners for the facility, with citic ka wah bank limited & citic industrial bank guangzhou branch acting as co - arranger

    是項銀團貸款之協調安排行及配售經辦行為匯豐銀行及東亞銀行，聯席安排行則包括中信嘉華銀行有限公司及中信實業銀行有限公司廣州分行。
  14. We give research into the relationship of the chinese sector distribution of capital and financial development and discuss the sector difference from fixed asset invest and bank loan. finally, we draw a conclusion that illogical system of financial development leads " sector discrimination of capital " although the development of financial structure positively effects the sector distribution of capital in some degree. so this thesis advises that china should make financial development " essential ", so it is vital to keep the government rational in the process of financial development

    文章還以分部門理論模型為指導，以資本在國有部門和非國有部門的分配為研究對象，分析了金融結構安排與資本分配「部門歧視」之間的關系，探討了金融深化對固定資產投資和貸款分配的部門差別，得出金融結構發展是影響我國資本部門分配最重要因素的基本結論，藉此提出金融發展「實質化」是解決我國金融發展的關鍵問題。
  15. But in the reality credit trade activity, information is the asymmetrical distribution between credit contract parties - bank and loan enterprise. the non walrasian equilibrium is appeared in the credit contract market. the loan rate of interest can not make both sides that capital supply and demand realize the equilibrium under this kind of circumstances, and the credit market can not reach voluntarily cleaning, namely credit c

    但是在現實的信貸交易活動中，交易信息在合約當事人雙方之間的分佈是非對稱的，在這種情況下，信貸市場呈現出一種非瓦爾拉斯均衡狀態，貸款利率不能使得資金供求雙方實現均衡，市場不能夠自動出清，即信貸市場處於一種數量配額的短邊均衡? ? 「信貸配給」狀態。
  16. Starting with the two lending techniques of transactional lending and relationship lending, the paper analyzes the rationing effect of the spiral of silence theory in chinese credit market based on the structure of oligarchic banks and explains how it happens

    摘要從市場交易型貸款和關系型貸款兩種貸款技術出發，結合中國寡頭銀行結構，分析了中國信貸市場的「沉默螺旋」配置效應，並闡明了其動力機制。
  17. There are three mature models for loan pricing, including cost plus model, price leadership model, and customer profitability analysis model. each of them has its own advantages and disadvantages. therefore, we could not replace one with another

    國外比較成熟的貸款定價模式包括成本加成模式、價格領導模式和客戶盈利能力分析模式，每一種模式都有各有優缺點，不能互相替代，但人們在使用某種模式時可以將另外一種或兩種模式結合起來配套使用，做到優勢互補。
  18. To idiographic institution, the main causes of the debts forming are as follow : the finance rights and affair rights are digit in the process of the finance and tax system, the finance rights are up collecting, and the affairs rights are down moving, the finance gap formed in the process of the finance and tax system, the comparative economic shrink in the anaphase country reform, the finance ingathering became fewer : the political and the administration system reform is disjoint to the economic system reform, the village and town government financial action is lost echo obligation, the expenditure break through the budget, and so on, otherwise, the country financial system reform is lag, the invests are becoming bad for the country government intervention to economic field, the country government action is short of efficient criterion, cut down the centre transferring geld to the farmers and delay to carry out the legal payment ; the effective supervision to the loan is short of about national to the non - financial machine, and so on, so the debts form at last

    但從根本講，還是制度的原因，是國家通過制度的安排來對利益進行重新分配，導致鄉鎮政府財政收入短缺，產生債務需求，最終形成債務。從具體的制度上看，主要有:財稅體制改革中的財權與事權的錯位，財權向上集中、事權不斷下移;農村稅費改革產生財政缺口;農村改革後期出現的經濟相對萎縮，財政收入減少;政治制度和行政管理制度改革與經濟改革脫節，鄉鎮政府財政行為失去應有的約束，導致開支突破預算等等，產生債務需求。另外，農村金融體制改革的滯后;鄉鎮政府對經濟領域的高度介入，出現經濟投資虧損;政府行為缺乏有效規范，截留老百姓的轉移支付款項、拖延履行法定支付義務;國家對非金融機構借貸行為缺乏有效監管等等，產生債務供給。
  19. Table illustrates the loan distribution of state - controlled banks to enterprises of different ownership types

    表格表明了國有銀行對不同所有制的公司進行了貸款分配。
  20. State enterprises, particularly those large - scale soes engaged in state - preferred industries, are favored in the allocation of subsidized bank loans

    國有公司，特別是那些從事國有優先行業的大型公司，在銀行貸款分配時獲得優惠補貼。
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