貸款損失 的英文怎麼說

中文拼音 [dàikuǎnsǔnshī]
貸款損失 英文
loan loss
  • 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...
  • 損 : Ⅰ動詞1 （減少） decrease; lose 2 （損害） harm; damage 3 [方言] （用尖刻的話挖苦人） speak sarcas...
  • 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
  • 損失 : 1. （失去） lose 2. （失去的東西） loss; wastage
  1. The annual loss is the largest reported amongst britain ' s big five mortgage lenders

    這是英國五大房屋貸款提供商所報告的年度損失中最大的一個。
  2. Research on pricing strategy of household appliances chain corporation

    銀行不良貸款違約損失率結構特徵研究
  3. 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。
  4. 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。
  5. Citigroup expects to post a 0m fourth - quarter loss in its janpanese consumer finance business and will shut down 80 percent of its consumer finance branches in the country in response to a forecast decline in profitability due to new government limits on lending rates

    花旗集團預期宣布第四季度在日本的個人貸款業務將有3億7千萬美元的損失，因預計日本新政府在貸款利率上的限制會引起利潤下降，花旗集團還將關閉在日本的80的個人貸款分支機構。
  6. The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items

    儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。
  7. 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） 。
  8. By slashing interest rates ( by more than the taylor rule prescribed ), the fed encouraged a house - price boom which offset equity losses and allowed households to take out bigger mortgages to prop up their spending

    通過大幅降低利率（超過泰勒規則建議的數據） ，聯儲刺激房價上升，平衡資本損失，並且允許家庭申請更多貸款支撐他們的支出。
  9. The bank protects itself by obtaining security to cover against losses, conducting credit checks and making sure that the client has the ability to repay the loan

    銀行通過為其損失保險、管理信貸支票以及確保客戶有能力償還貸款來保護自身。
  10. The second section analyses effect of residential mortgage loan insurance from four different positions, such as positions of loan provider, housing buyer, etc. the third section sets force actuality of chinese residential mortgage loan insurance, finds out that there are only three categories now, and compares several provisions between products from different insurance companies in same categories

    第三部分闡述了個人住房抵押貸款保險的發展現狀，指出我國目前僅有抵押房地產財產損失保險、個人住房抵押貸款保證保險以及個人住房抵押貸款借款人人身保險這三個險種，並就保險責任條款、保險金額條款、保費計算及繳付方式條款等方面對這三類險種中的幾個不同保險產品進行了比較分析。
  11. This thesis begins with new basel agreement ’ s requirement on capital adequacy rate, and then by elaborating on the regulations in our country which reflects principles and methods in new basel agreement and the realities in our country, it argues the regulations ’ effects on the capital adequacy of listed banks. after that, by analyzing concretely and evaluating the capital adequacy and allocation of eight assets impairment of the five listed banks between 2001 and 2005, it reveals further the problems existing in allocation of assets impairment of the five listed banks and the influences of the problems on capital adequacy rate. in the end, conclusions are reached and suggestions are given

    本文從新巴塞爾協議對資本充足率的要求出發，論述我國運用巴塞爾協議基本的原則與方法並結合我國的實際情況制定的規章制度對上市銀行資本充足狀況產生的影響，通過對五家上市銀行2001 ~ 2005年中期資本充足狀況和八項資產損失準備計提情況進行具體分析並評價其合理性和貸款損失準備的充足性，進一步揭示五家上市銀行在資產損失準備計提中存在的問題和對資本充足率計算的影響，最後提出相關政策建議。
  12. Where the lender failed to make the loan amount available on the prescribed date and in the prescribed amount, thereby causing loss to the borrower, it shall pay damages

    第二百零一條貸款人未按照約定的日期、數額提供借款，造成借款人損失的，應當賠償損失。
  13. The thesis uses the var method ( value - at - risk ) to measure the credit risk of the portfolio, taking the loss of the portfolio as the criterion. the analysis is based on the default model and the credit metrics model respectively

    論文內容使用了var （ value - at - risk ，風險在險價值）方法，以貸款組合損失作為衡量信用風險的尺度，分別基於違約模型和creditmetrics模型進行了信用風險的量化分析。
  14. Once the debit side break the loan contract that the commercial will bring bad assets, lead to loss and erode the capital of bank

    借款人違約將直接導致商業銀行產生不良貸款，造成信用資產損失，並侵蝕銀行的資本金。
  15. Wells fargo ' s chief executive, john stumpf, spooked investors even further two weeks ago when he described the current real estate slump as the worst since the great depression and reiterated earlier projections that the bank ' s home equity losses would continue to rise next year

    就在2周前，富國銀行的總裁還在發表讓投資者害怕的言論，他認為現在的房地產不景氣失大蕭條以來最嚴重的情況，並重復早些時候的發言，認為銀行因為住房貸款的損失在明年仍會上升。
  16. Loan loss reserve

    貸款損失儲備金
  17. Through analyzing the important indexes of the guarantee multiples, the duty ratios, the loan loss rate and so on, the paper finds out the relationship among them and decides the suitable control indexes

    3 、定量分析法。通過對擔保倍數、責任比例、貸款損失率等重要指標進行定量分析，找出它們之間的關系，確定合適的擔保控制指標。
  18. Domestic automobile buying installment insurance, refer to a kind of property insurance in which an insurance company will be liable to pay insurance money to the insured ( automobile dealers or financial institutions ) suffering loss due to automobile buyer ' s failure to pay the money ( or loan ) within the period specified in automobile sales of contract ( or automobile loan contract ) according to the stipulations in the insurance policy

    近幾年來，伴隨著分期付款購車買賣的蓬勃發展，國內各保險公司相繼開辦了分期付款購車保險，承保因購車人拖欠到期車款或到期貸款給汽車銷售廠家或汽車消費貸款金融機構帶來的貨款（貸款）損失。該險種的保險標的有別于傳統財產保險的有形物體。
  19. Credit asset securitization has the function of improving bank ’ s capital adequacy, but the improving degree is limited. compared with issuance of long - secondary bond or stock, the effect of securitization is much weaker than that of the former, which works by increasing bank ’ s capital directly

    就不同性質的證券化資產而言，與優良貸款證券化相比，不良貸款證券化會對不良貸款損失進行扣減，從而減少銀行的資本，故它對銀行資本充足率的改善效果較差。
  20. It can be found that the two models can measure the credit risk better and their numerical values of the var are relatively close, which means that at a certain confidence level, the portfolio ' s maximum loss calculated under the default model is familiar to the maximum loss in value resulted from the credit metrics model. however, under the default model the standard deviation of the loss of the loan is a bit more than the one which deviates from the average value of the loan under the credit metrics model ; in addition, the conclusion also demonstrates that the two models have some differences in the measuring the capital reserve to some extent

    從結果可以看出，這兩個模型均能較好地度量銀行貸款信用風險，其計算所得的var值比較接近，說明在給定置信水平下所能達到的最大損失和所能達到的價值上的損失在數值上是相近的；不過，違約模型下貸款損失的標準差要比creditmetrics模型下的貸款價值偏離其均值的標準差要大些；此外，結論還表現出二者在計量資本金要求上有所差異。
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