重建信貸銀行 的英文怎麼說

中文拼音 [zhòngjiànxìndàiyínháng]
重建信貸銀行 英文
development loan corp
  • 重 : 重Ⅰ名詞（重量; 分量） weight Ⅱ動詞（重視） lay [place put] stress on; place value upon; attach im...
  • 建 : Ⅰ動詞1 （建築） build; construct; erect 2 （建立; 設立; 成立） establish; set up; found 3 （提出;...
  • 貸 : loan
  • 銀 : Ⅰ名詞1 （金屬元素） silver （ag） 2 （姓氏） a surname Ⅱ形容詞1 （跟貨幣有關的） relating to curr...
  • 行 : 行Ⅰ名詞1 （行列） line; row 2 （排行） seniority among brothers and sisters:你行幾? 我行三。where...
  • 重建 : 1. rebuild; reconstruct; reestablish; rehabilitate 2. reestablishment; reconstruction
  • 銀行 : bank
  1. 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。
  2. 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。
  3. This paper from the actual situation has analyzed the integer status of our banking, and mostly discussed the superior and inferior of the nation owned single proprietorship bank of commerce of our country after we joined wto, and sums up that the nation owned single proprietorship bank of commerce of our country should take reforms in the finance system, pattern of management, and strengthen the credit risk management, expand retailing positively and construct the networking bank such as positive effective countermeasure so as to compete with the foreign banks

    該項研究，從實際出發，充分論述和分析我國銀行業的整體狀況，通過重點論述加入wto后，我國國有獨資商業銀行在競爭中具有的優、劣勢分析，總結出我國國有獨資商業銀行作為我國銀行業主體應該在金融體制改革、經營模式轉換，加強信貸風險管理，積極發展零售業務，構建網路銀行等方面，採取積極有效對策，同外資銀行進行競爭。
  4. The program for reinforcing mozambique s financial system which includes this project is supported by the africa development bank the department for international development the swedish association for international development german technical cooperation dtz and the german fund for reconstruction kfw

    該項目包括于加強莫三比克金融系統的計劃中，該計劃由非洲發展銀行國國際發展署瑞典國際發展合作署德國技術合作公司gtz以及德國重建信貸銀行kfw支持。
  5. Our country bank not good property origin is extremely complex, mainly has following several aspects the reason : ( 1 ) under the planned economy system, the " series receives series " and " dials changes loans the loan which history and so on " policy leaves behind down to form not good loans ; ( 2 ) 1, 992 - in 1993 economical heat, the large amount fund flows to the real estate, the stock market and so on ; ( 3 ) for many years building redundant project, credit fund effect even more difference ; ( 4 ) local authority to financial organ intervention ; ( 5 ) the financial organ internal management is bad and so on

    我國銀行不良資產的成因十分復雜，主要有以下幾方面的原因： （ 1 ）計劃經濟體制下， 「統收統支」及」撥改貸」政策等歷史遺留下來的貸款所形成的不良貸款； （ 2 ） 1992 1993年經濟過熱，巨額資金流向房地產、股票市場等； （ 3 ）多年來重復建設，信貸資金效益甚差； （ 4 ）地方政府對金融機構的干預； （ 5 ）金融機構內部管理不善等。
  6. We should attach more importance to following channels at present time : broaden monetary market function ; perfect stock mortgage loan ; develop investment institute ; explore investment banking business, including investment funds business channel, insurance business channel and security business channel ; make financial organization renovation. following policy suggestions should be applied : 1 ) perfect the policy environment ; 2 ) treat the problem rationally ; 3 ) implement financial mixed operation system in due time ; 4 ) foster financial market ; 5 ) enhance external supervision ; 6 ) deepen the construction of commercial banks ; 7 ) introduce bank capital into stock market in stages

    貨幣市場和資本市場的不協調發展使證券機構出現制度外與體制外融資或違規操作，必須在兩個市場間建立資金和信息對流的寬敞通道，在路徑設計上，當前應擴展同業拆借市場、國債回購市場等貨幣市場渠道功能;完善股票質押貸款，及時推出非券商股票質押貸款，並注重風險防範;大力發展養老基金、保險公司、信託基金等機構投資者，吸收銀行資金間接入市;拓展投資銀行業務，包括基金、保險業務渠道、券商業務渠道、公司業務渠道;設立證券金融公司或金融控股集團，進行組織制度創新。
  7. First, the author reviewed the related literature of asset securitization, explained the connotation and the economical significance of asset securitization from many angles, analyzed several essential technologies of asset securitization through using the enterprise financing theory, the financial theory, the system economic theory and the law of averages, constructed a flow chart to analyze the structure and the flow of the operation of asset securitization ; then the author analyses the overseas development tendency as well as the overseas concrete procedure of non - performing loans securitization, proposed several enlightenment ; once more, the author analyzed our country ’ s feasibility of npls, then elaborated emphatically the operation thought of npls of our country commercial bank : regarding the establishment of spv, thought that it most suit the our country current national condition current through pouring the capital to adopt company spv the pattern in our country by the national property management company, and elaborated how to construct and manage the property pond, put forward many kinds of ways of credit enhance for non - performing loans, thought it is the best choice that the product of npls is designed for cmo, the senior bond adopts the public issue, the secondary bond adopt private issue

    首先，本文回顧了資產證券化研究的相關文獻，從多個角度闡釋了資產證券化的內涵和經濟意義，運用企業融資理論、金融理論、制度經濟學理論和大數定律剖析了資產證券化的幾項關鍵技術，構建了一個資產證券化流程圖來分析資產證券化運作的結構與流程;接著通過分析國外不良貸款證券化發展趨勢以及具體做法，提出了幾點啟示;再次，分析了我國不良貸款證券化的可行性，然後著重論述我國商業銀行不良貸款證券化的運作思路:對于spv的設立，認為在我國由國家資產管理公司注資採取公司型spv的模式最適合我國當前的國情;並論述了資產池的構建與管理;提出了對不良貸款進行信用增級的多種方式;認為將不良貸款證券化產品設計為抵押擔保債券，高級債券採取公開發行，次級債券採取私募發行是最佳選擇。
  8. This thesis takes zhenjiang city commercial bank ( zccb ) as the research object, stating with the basic theory of credit risk by way of analyzing in combining the theory into practice, and then deeply analyzing the current status and credit risk system in order to find the weak aspects on the basis of research, and with consulting foreign banks " advanced means in controlling credit risk and with importing the credit risk management system project, specially importing the model of crdeit metrics, the most important means in measuring the var value of credit risk in the above mentioned project, and then puts forward the conclusion that the means in managing the credit risk is changeable and dynamic with using synthetic ways in accordance with the practical status, and also advises how to improve the credit risk management on the part of zccb

    本論文以鎮江市商業銀行為研究對象，從商業銀行信用風險的基本理論入手，運用理論和實踐相結合的分析方法，深入分析了鎮江市商業銀行的經營現狀和鎮江商行信用風險體系，找出其薄弱環節。在此基礎上，借鑒國外銀行信用風險管理先進手段，引進信用風險管理系統工程，特別是此系統工程中最為重要的信用風險量化手段creditmetrics模型測算風險的var值，構建了鎮江市商業銀行信用風險管理的模型，提出了在強化信用風險管理相關環節的同時，必須進行raroc考核，以評定相關信貸人員的業績及分配風險資本。並針對鎮江市商業銀行的實際，提出了改進鎮江商行信用風險管理的措施建議。
  9. In 1998, the people ' s bank of china issued the administrative law of individual housing loans and allowed commercial banks to open individual housing secured loans, extend the loan term, which marked a new phase in the development of home financing in china. after this, the scale of granting home mortgages rapidly widened and the development was swift as by there year 2000, the balance of home loans at the china construction bank and the industrial and commercial bank of china broke through rmb 100 billion yuan, of which, individual home mortgages became the most important growth point for credit in the real estate industry

    1998年，中國人民銀行出臺了《個人住宅貸款管理法》 ，允許商業銀行開辦個人住宅擔保貸款，延長貸款期限，這標志我國住房金融發展到一個新的階段，其後住房抵押貸款發放規模的迅速擴大，發展勢頭迅猛， 2000年，中國建設銀行和中國工商銀行住房貸款余額均突破1000億元，其中個人住房抵押貸款成為房地產信貸中最重要的增長點。
  10. Through a mathmatic model the thesis proves it is information asymmetry between banks and sme that produces the financing probem, so it radically explain the reasonability of credit guarantee organiazation ( cgo ) which supplies the public product and is designed as supporting policy for sme. the major characteristic of cgo is high riskly, therefore, how to control the risk is the core of this study. as for individual applying sme, the key of risk control is to set up a series of evaluating programe

    論文通過信息經濟學的信貸配給模型來解釋中小企業貸款難的主要原因? ?銀行與中小企業之間存在嚴重的信息不對稱，提出解決這種信息不對稱的一種有效手段是建立信用擔保機構，因而從根本上解釋了中小企業信用擔保機構存在的合理性，然後利用經濟學的原理闡述了擔保服務具有準公共產品的特徵，把信用擔保機構定位為政府扶持中小企業的政策性措施。
  11. In the fourth chapter, a bank - enterprises credit model has been set up to analyze credit rationing in indirect financing risk, which helps to find proper measures lessening the information asymmetry and moral risk in credit. lastly the author puts forward several suggestions for the controllment of medium and small - size enterprises " financing risk. the sticking - point of this paper is to review the dynamic game played between bank and medium and small - size enterprises providing some advice in detail to depress the moral risk and converse choice in the financing process of medium and small - size enterprises

    其中，第三章探索了中國中小企業融資過程中存在的各類風險動因、特徵和效應；建立綜合評價中小企業融資風險的指標體系；第四章則針對間接融資渠道對于企業的重要程度，建立銀行和企業借貸模型，定量分析導致間接融資風險中「惜貸」風險的因素? ?信貸配給，並進一步從理論上尋求降低銀行和企業間信息不對稱、防範資金信貸中的道德風險和逆向選擇的方法。
  12. Based on the reason provided above, combining my practice in construction bank, sichuan branch with a great deal of relevent materials, from the angle of product design and marketing exploration of consumer credit of commercial banks, i want to make some analysis and research about the present s i tuat i on and prob i ems ex i st i ng of consumer credit, and d i scuss the means of developing and improving consumer credit of commercial banks, and further put forward my suggestion and come to my conclusion

    這些因素有社會的、消費者的、也有銀行自身的，如果不能得以有效解決，消費信貸業務的進一步拓展將受到嚴重製約。正是基於這樣的原因，作者想結合自己在建行的實習經歷以及通過查閱大量的資料文獻，從銀行消費信貸產品設計和市場開拓的角度來對我國商業銀行發展消費信貸業務的現狀及其存在的問題進行一些分析研究，探討發展和完善商業銀行消費信貸業務的措施和途徑，進而提出自己的設想。
  13. The proposal on positive consumer credit data sharing is not a knee - jerk reaction to rising personal bankruptcies but a measured and targeted approach to enhancing the efficiency and risk management of one important aspect of financial intermediation by the banks

    分享正面個人信貸資料的建議，並不是因為個人破產個案增加而隨便提出，而是經過慎重考慮的可行方案，希望藉此提高銀行金融中介功能的效率及加強風險管理。
  14. The mexican banking crisis of 1995 - 96 supports the policy implications of the " vulnerability - shocks " paradigm : developing countries should identify the specific causes of their banking systems vulnerability and implement the appropriate financial reforms ; fragile banking systems complicate the management of macroeconomic policy in terms of timing, scope, and effectiveness ; macroeconomic considerations should play an important role in the design of bank regulatory regimes ; effective deposit insurance systems should be established in order to reduce bank runs and moral hazards of both bankers and depositors ; considering the apparent role of lending booms in creating vulnerability of banking systems, the authorities should monitor the rate of credit growth, and take measures when it appears to be growing too rapidly

    墨西哥銀行危機印證了「脆弱與沖擊」銀行危機解釋模式的政策含義：發展中國家應針對銀行體系脆弱性的具體原因，採取相應改革措施；銀行業的脆弱性對經濟改革政策的選擇、實施時機和實施效果均會產生重要影響；應根據宏觀經濟波動程度，確定適當的銀行審慎監管指標水平；建立有效的存款保險制度；應監督銀行信貸的擴張速度，在必要時通過實施相應的宏觀經濟政策來限制銀行的信貸擴張。從這次銀行危機中我們主要可以得出兩點結論。
  15. 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。
  16. Ideas for reforms and improvement include ; the financial industry must emphasize county economies in its restructuring and development strategy ; improving county financial services system ; deepening county financial system reforms, increasing credit funds, and guarding against fund outflow ; strengthening financial support system and boosting credit support ; and improving social credit climate and building a social foundation for credit support and various financial services by banks

    改革完善的思路主要有：金融業轉制和發展戰略上必須高度重視縣域經濟；完善縣域金融服務體系；深化縣域金融體制改革，增加信貸資金投入，防止縣域資金外流；完善縣域經濟金融政策支持體系，加大對縣域經濟的信貸支持力度；強化縣域社會信用環境建設，為銀行信貸支持和開展多樣化金融服務創造良好的社會基礎。
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