銀行信貸估計 的英文怎麼說

中文拼音 [yínhángxìndàigūjì]
銀行信貸估計 英文
band credit proxy
  • 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...
  • 貸 : loan
  • 估 : 估構詞成分。
  • 計 : Ⅰ動詞1 （計算） count; compute; calculate; number 2 （設想; 打算） plan; plot Ⅱ名詞1 （測量或計算...
  • 銀行 : bank
  • 估計 : estimate; evaluate; take stock of; size up; calculate; appraise; reckon; estimation; forecast
  1. A model for risk control and avoiding should also be designed in a fashion favorable for marketing, helping to solve this practically significant problem by balancing the double goals well. the goals of market expansion and of risk control, instead of receiving separate care, have to be taken into a balanced consideration in the theoretical analysis of consumer credit business. only by so doing can roots of risks be gripped

    最後，在設計出與風險控制相協調的消費信貸營銷機制的基礎上，筆者從消費信貸業務實務操作的微觀層面出發，針對控制消費信貸風險，在借鑒西方發達國家大型商業銀行的信用評估模型基礎上，嘗試設計適用於我國的消費信貸信用評估模型，最後從政府的角度討論營造有利於消費信貸發展的外部環境問題。
  2. With deepens unceasingly to the credit risk cognition degree in our country banking, credit risk assessment method also is continually improved and enhanced, the corresponding credit management system is also consummated day by day. according to our country economic environment evolution, in this article we will divide our country banking industry credit system transformation into three stages : the planned economy time, planed the commodity economy time and the market economy time

    本文首先從我國銀行業信貸體制改革的三個階段，即計劃經濟時代、有計劃的商品經濟時代和市場經濟時代，按照時間的脈絡研究銀行貸款評價方法的演進過程入手，隨著對信貸風險認識度的不斷加深，信貸管理體制不斷完善，從無風險意識到粗放型的風險度測演算法，再到目前圍繞不同企業的不同特點進行差異化評估，信貸風險評價方法也日趨成熟。
  3. Real estate financing plans should have clear fundraising principles and financing quotas calculation. financing channels include own capital, credit from bank, pooling social capital, collecting earnest in advance, and fund from selling real estate

    房地產投資項目融資計劃中必須明確籌資原則以及如何估算融資額度，融資渠道包含自有資金、銀行信貸資金、社會集資以及預收定金和購房款。
  4. As revealed by the study, following problems exist : 1 ) the supply of bank capital has a close relation with the fluctuation of stock market ; 2 ) the volume of bank capital flowing into stock market is large and it is estimated that there are 450 - 600 billion of bank capital exist on stock market, 2 / 3 of which are illegal ; 3 ) most bank capital are getting into stock market through illegal channels, such as illegal repurchase of government securities, illegal acceptance and discount of trade bill, embezzlement of customers " guarantee deposit, illegal interbank loan, illegal diversion of credit capital to other purpose, etc. the inflow of bank capital to stock market has dual influences on our economy and finance

    表現在： （ 1 ）據估計我國進入股市的銀行信貸資金存量在4500 - 6000億元左右，其中滯留於一級市場的資金規模約為2000 - 3000億元，進入二級市場的規模在2000 - 2500億元之間，國有股和法人股轉讓市場涉及信貸資金規模約為500 - 600億元，然而，在這千億元進入股市的信貸資金中2 3左右都是違規流入的。 （ 2 ）銀行資金入市除同業拆借、國債回購和股票質押貸款三種合法渠道外，多是通過非法渠道流入股市的，其途徑主要包括：違規國債回購、違規商業匯票承兌及貼現、挪用客戶保證金、違規拆借資金、企業違規挪用銀行信貸資金、個人違規使用銀行貸款等。
  5. After following - up investigation and comparison, we found the trend that the credit risk comparison between the domestic evaluation methods and the foreign ones that the m ethods of foreign credit risk analysis have changed from financial ratio grading to multi - va riable and dynamic analysis based on capital market theory and computer information scie nee, but nowadays almost all banks in china evaluate credit risks by the methods of risk de gree computation which lack quantitive analysis

    通過對國內外評估方法的跟蹤、比較，發現國外信用風險分析方法已經從主觀判斷分析方法和傳統的財務比率評分法轉向以多變量、依賴于資本市場理論和計算機信息科學的動態計量分析方法為主的趨勢發展。而目前我國銀行機構主要使用計算信貸風險度的方法進行信用風險評估，缺乏定量分析，衍生工具、表外資產的信用風險已及信用集中風險的評估尚屬空白，更沒有集多種技術於一體的動態量化的信用風險管理技術。
  6. This chapter utilizes spss 10. 0 to count the software from demand analysis to the personal credit in the personal consumptive credit of bank of three places, the respects, such as analysis of the reference, risk analysis and construction of the personal credit evaluation system, etc. have carried on comparatively exhaustive real example analysis, content involve personal credit materials obtain and verify, personal credit assess index choose, risk of personal credit take precautions against personal credit construction of evaluation system, etc., and has carried on reason analysis according to the investigation result

    本章利用spss10 . 0統計軟體對三地銀行在個人消費信貸中的個人信用從需求分析、徵信分析、風險分析及個人信用評估體系的建設等方面進行了較為詳盡的實證分析，內容涉及到個人信用資料的獲取與審核，個人信用評估指標的選取、個人信用的風險防範個人信用評估體系的建設等，並根據調查結果進行了原因分析。
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