重貸款 的英文怎麼說
中文拼音 [zhòngdàikuǎn]
重貸款
英文
refinanced loan-
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 ) computing the weights of the indexes : in this part, the writer combines the delphi method with the ahp ( analytic hierarchy process ) method to work out the weight of each index. then the writer transforms the weights into centesimal weight scores and gives the scoring standard
在這部分中，本文把delphi法（德爾菲法）和ahp法（層次分析法）相結合，計算出指標體系中各指標的權重，並把權重轉換成為百分制的權數和制定了相應的計分標準，得出了國家助學貸款信用評分表。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。First of all, with dominant state - owned property right and ownership ' s misplacement and non - transference, state - owned commercial banks are long - term protected by the government, suffering from low efficiency and serious diseconomy in scale
因國有商業銀行長期受政府保護，效率低下，存在嚴重的規模不經濟，無法完全實現其法人財產權，不能形成有效的內部治理結構；二是高比例的不良貸款率。In order to solve these problems, this article provides some measures : standardizing listed company ' s action of buying and displacing assets, implementing " three depart " strictly, choosing a satisfied big shareholder and encouraging strategic m & a, probing the credit standing strictly and examining hypothecated loan of the new big shareholder, improving the system of disclosure of information, changing the pattern of major shareholders dominating company, promoting the listed companies governance structure and protecting the lawful rights and interests of small and middle investors
針對這些問題，筆者提出了解決的對策：規范上市公司購買、置換資產行為、嚴格實行三分開；在並購重組過程中，引進選好大股東，鼓勵戰略性並購；對新的大股東應嚴格資信調查和對貸款質押的審查，確保付款及時到位；完善信息披露；改變一股獨大的格局；完善上市公司法人治理結構，切實保護中小股東利益。The iwg also proposes a series of measures to promote greater transparency of credit card services, including a requirement for ais to highlight all major terms and conditions which impose significant liabilities or obligations on customers in the application forms for credit card services, and to follow a standardised method in calculating and quoting the annualised percentage rates aprs of interest for credit card lending. the latter measure should facilitate consumers comparison between different charging structures which may be adopted by different ais
工作小組亦提出一系列建議，以提高信用卡服務的透明度，當中包括認可機構應在信用卡服務申請表格內特別列明對客戶構成重大責任或義務的主要章則及條款，以及採用一套統一的方法計算及列明信用卡貸款的年利率，後者有助消費者比較不同認可機構採用的不同的收費模式。The basic of bringing the money rate in the market into play is that the action of the commercial banks has to reflect the scale and composition of the currency supply in the market through high or low rate of deposit - loan
商業銀行是資金運行的中心，市場利率發揮作用的基礎是商業銀行的行為必須通過存貸款利率高低反映出市場資金供求的規模和結構。沒有商業銀行制度的根本改革，市場利率的運行就沒有最重要的主體。At present, china ' s bank especially the state - owned bank ' s bad loan amount is very big, and its rate is preponderate over those where financial crisis happened. it seriously threaten the normal development of our country ' s economic and the stability of our society, and become a heavy burden of the national economy
目前，我國銀行、特別是國有銀行不良貸款居高不下，其比例甚至超過某些發生過金融危機國家銀行的比例，嚴重威脅著我國經濟的正常發展和整個社會的安全穩定，成為國家經濟的一個沉重包袱，因此化解不良貸款是中國經濟與金融體系非常重大的一個課題。Another reason the more important is that employees receive a special low interest rate on loans, usually one percent below prime rate.
另一個原因更重要，就是職工可享受特殊的貸款利息率，較之最優惠利息率一般還要低去百分之一。If the borrower later finds that the company needs to raise additional money, it may do so by refinancing an existing loan.
如果借款人以後認為公司還需要更多資金，那麼公司可重新增加原有的貸款額。Or are you refinancing your present home
還是原有的房子重新申請貸款？Banks may also choose to repackage part of their mortgage portfolios into back - to - back mortgage - backed securities with the hkmc providing a guarantee on timely repayment to remove the credit risk of the securitised portfolios
銀行亦可選擇將其部分按揭貸款組合重新包裝，成為背對背按揭證券，並由按揭證券公司提供按時還款擔保，以消除證券化組合的信貸風險。Based on large quantities of investigation and theories study, after checking the chinese and foreign culture levitate, the research combined our country current economy management system and the management system history that has important influence on the bank, and bring up the general reasons and special history stage reasons for which the commercial bank ' s loan risk exits. namely ( 1 ) the system lost, ( 2 ) the stubborn policy. ( 3 ) the administration interference, ( 4 ) unexhausted business enterprise reform, etc.
目前我國商業銀行正面臨著嚴重的貸款風險，本文在經過大量的實踐調查、理論研究與查閱中外文獻研究之後，結合我國現階段經濟管理體制、銀行管理體制的巨大變革的歷史階段對銀行產生的重大影響，提出了我國商業銀行貸款風險存在的一般原因與特殊歷史階段原因（即1 、體制失范2 、政策偏狹3 、行政干預4 、企業改革不徹底等深層次原因） 。At the same time, economic crisis, financial deficit and other factors such as burden of debts reduced greatly the governments " ability to invest and borrow money, private sources funds again were sought to cover up the capital shortage. on the other hand, some international consortia were looking for ways to invest for the purpose of maximum of profit. hence some international contracting companies and experienced developing countries began their trial to promote private ownership and operation of infrastucture projects, through the way of accession agreement with limited recourse
然而進入80年代，現有的基礎設施已不能滿足經濟發展和人們生活的需要，而經濟危機、財政赤字、沉重債務負擔等因素使政府的投資能力和對外借債能力大為減弱，只能轉而尋求私營部門的資本來彌補資金的不足；同時國際上一些大財團因資本積累，急於加快資本周轉和增值，追求利潤最大化，一些國際承包公司和有經驗的發展中國家開始探索通過有限追索權貸款以特許方式促進私人擁有和經營基礎設施項目。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。Such risk - based credit allocation is, i think, the best way to avoid indiscriminate, across - the - board cuts in bank lending, which can be destabilising and may possibly lead to innocent casualties at considerable economic costs
我認為按風險釐定息率的貸款原則，是避免一刀切式減少銀行貸款的最佳辦法。一刀切的做法可能造成不穩定，亦可能在付出沉重的經濟代價之餘還傷及無辜。Third, the state provides concessional loans for special aid items at discounted interest, and formulates preferential policies, centering on helping the poverty - stricken areas and peasant households develop market - oriented crop cultivation, aquiculture and poultry raising and corresponding processing industries, so as to increase production and incomes
第三，國家安排優惠的扶貧專項貼息貸款，制定相關優惠政策，重點幫助貧困地區、貧困農戶發展以市場為導向的種植業、養殖業以及相應的加工業項目，促進增產增收。Given the importance of the cosa to the company, lenders should consider a negative covenant requiring the parties not to terminate the cosa without lenders ' consent or a remedy giving the lenders some form of step in right to remedy the situation in the event of a threatened termination
鑒于原油供應協議對項目公司的重要性，各貸款人應考慮一項反面約定，要求在未徵得各貸款人同意的情況下雙方不得終止原油供應協議，或規定一項補救措施，在可能出現終止的情況下，授予各貸款人一定的干預權來對情勢進行補救。On the data statistics of annual reports of four state - owned commercial banks ( 2004 ), loan revenue take up above 60 % of commercial bank ' s operating income, loan accounts for above 85 % of commercial bank ' s asset. so, it is important that whether loan price could cover cost and risk of bank, and whether it could get the maximum of benefit
根據四大國有商業銀行2004年年報的數據，貸款占資產總額的平均比重為60 % ，利息收入占營業收入的平均比重為85 % 。可見，貸款定價是否合理，貸款價格能否補償銀行的成本和風險，對商業銀行的發展至關重要。In fact, it ’ s the state that interest rate can ’ t clear market and there is an excess need of credit in the credit market. because of that, the credit rationing behavior could be separated into equilibrium credit rationing behavior and non - equilibrium credit rationing behavior. the monetary policy transmission mechanism is the process that the
可以得出結論:在擴張性貨幣政策時期，信貸配給的影響較緊縮性貨幣政策時期更為嚴重，貸款增長對經濟增長的影響最為顯著，但是貸款量對于經濟增長的影響隨著經濟體系的完善開始減弱。分享友人