銀行用比率 的英文怎麼說
中文拼音 [yínhángyòngbǐlǜ]
銀行用比率
英文
banker』s ratio- 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...
- 用 : Ⅰ動詞1 (使用) use; employ; apply 2 (多用於否定: 需要) need 3 (敬辭: 吃; 喝) eat; drink Ⅱ名...
- 比 : Ⅰ動詞1 (比較; 較量高下、 長短、距離、好壞等) compare; compete; contrast; match; emulate 2 (比...
- 率 : 率名詞(比值) rate; ratio; proportion
- 銀行 : bank
- 比率 : ratio; proportion; rate比率計 ratio meter
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This behaviour is reflected in a significant shrinkage in the size of the balance sheets of property companies, as cash proceeds from sales of flats were used to reduce debt, thus at the same time prudently, from their point of view, preventing debt - to - equity ratios from increasing
結果,來自售樓的現金收入用作減債,使資產與負債比率下降,物業公司的資產負債表規模也因而大為縮減。即使地產發展商有融資需求,也只是把握銀行競爭激烈的機會,將現有貸款重新融資,爭取更優惠的貸款條件。In order to pay for their trans - territory transactions, the natural and legal persons within territories of all amco members can directly obtain umems either by way of exchange for them at local banks and / or other financial institutions with domestic currencies at the rate determined by method stipulated in section 3 of article 5 of this treaty or borrowing from these banks and / or other financial institutions at the rate of interest thereof, or by way of exporting, or through any other proper channels
各成員境內的法人和自然人,為滿足其跨境交易對「有眉目」的需要,可按本條約第五條第三款規定辦法確定的比率用本幣從當地銀行和(或)非銀行金融機構兌取,也可通過申請「有眉目」貸款、出口收入或其他正當渠道直接獲取「有眉目」即「貨幣兌換中介單位」 。To play this expanded role effectively, the bank would need to use its own human and financial resources in an even more efficient way.
為了有效地承擔這一擴大了的任務,該銀行必須以甚至比現在更高的效率來使用它自己的人力和財力。First, introduce the reasons and character of current banking m & a, then summarized the former studies of the three ways of m & a to efficiency gaining : size versus size economy, m & a versus banks efficiency, and m & a versus shareholders wealth. then introduce the research approaches of m & a efficiency gaining, especially the approaches of m & a versus banks efficiency, such as parametric frontier approaches and non - parametric frontier approaches. in the following, through roe model and dea model to study the relations between size and efficiency, finding : middle size banks efficiency is higher, larger banks have n ' t scale economy, small banks have low em, and through directly analyzing m & a efficiency of four commercial banking m & a case in china, finding : the past - merged efficiency of shanghai pudong development bank has been improved, and others have been deduced, but after three years the efficiency increased little by little
首先,分析了當前銀行並購的主要原因、特徵以及我國銀行並購的現狀與特點;接著對銀行效率水平的概念進行分析,綜述了國外對銀行並購與效率獲利的三方面的研究(考察銀行的規模與效率這種間接方式、比較並購行並購前後的效率以及並購行與非並購行的效率和考察上市銀行並購前後股東財富的變化這兩種直接方式)的有關文獻;再次對銀行並購與銀行效率獲利的分析方法進行了介紹,其中詳細地研究了前沿分析法:參數分析法和非參數分析法,並指出了這些方法的特點;然後運用財務比率分析法和dea方法對我國商業銀行規模與效率從間接角度對銀行並購產生的效率獲利進行了實證研究,結果發現:中等規模的商業銀行的效率最佳,而小規模的銀行的em值較低,同時大規模的商業銀行的規模無效;同時利用我國已發生的四個銀行並購案從直接的角度對我國商業銀行並購的效率獲利進行分析,結果發現:除上海埔東發展銀行在並購後效率提高,其他三家銀行並購后的效率都有所下降,但並購后第三年效率又逐漸回升。" while it is too soon to say that a revival is underway, the series of interest rate cuts appears to be having some positive effect on banks mortgage loan portfolios, " said mr david carse, deputy chief executive of the hkma. " new lending has been picking up a little and there have also been signs of improvement in the delinquency ratio.
金管局副總裁簡達恆說:現在談銀行按揭貸款業務正重上升軌未免言之過早,但近期一連串減息似乎對這類業務產生了一些正面作用,不但新批出貸款略有增加,貸款拖欠比率也有改善的跡象。Therefore, after summarizing the two exterior terms of the controlled interest rate period and the marketed interest rate, the text analyzes the different interest - rate risk that our country ' s commercial banks are facing with academic and practical methods, and also analyzes the importance of interest - rate risk management for our commercial banks. after analyzing the western commercial banks " interest - rate risk management and our country ' s commercial banks " interest - rate risk management, an viewpoint is put forward which is to manage the interest - rate risk in controlled interest rate period and marketed interest rate with different ways and methods, and the text also analyzes the difference between the interest - rate risk management of the western commercial banks and our country ' s
因此,本文在總結了管制利率時期和利率市場化兩個外部條件后,採用理論和實證相結合的方法分析了我國商業銀行所面臨的不同利率風險,探討了我國商業銀行重視利率風險管理的原因,介紹了西方商業銀行的利率風險管理,對我國商業銀行的利率風險管理也進行了詳細的分析,提出了區別管理當前管制利率時期和利率市場化后我國商業銀行所面臨利率風險的觀點,並比較了中西方商業銀行利率風險管理存在的差異性。From table 1 shows that the assets of state - owned banks profitability less than one third of the joint - stock banks, joint - stock banks capital profitability less than a quarter of that number four bank assets and capital although large, but less than quality, efficient utilization of assets, profits inadequate
從表1來看,國有銀行的資產利潤率不到股份制銀行的三分之一,資本利潤率還不到股份制銀行的四分之一,說明四大銀行的資產和資本數量雖然大,但是質量卻比較差,資產利用效率過低,盈利水平不足。The writer mainly uses the financial ratio analytical method and the most popular approaches in determining the international banking efficiency ? the efficient frontier approaches, in which this paper choose one of the non - parameter approaches, data envelopment analysis ( dea ), to evaluate and analyze the above four banks ’ changes in efficiency before and after mergers during 1999 - 2004, and it also makes an omni - directional comparison from many angles, with quantitative and qualitative analysis
通過綜合運用財務比率分析方法和國際銀行業效率分析中比較流行的前沿分析方法中的非參數分析方法? ?數據包絡分析法( dea )對上述四大銀行在1999 - 2004年間銀行並購效率的變化情況進行了全方位、多角度、動靜態相結合的定量和定性比較分析。The rool of finance system in the economic is the focus of economics " study more and more in the world. study shows that neither the bank - dominant financial system nor the market - dominant financial system is more useful for the economic growth. so we can not say that we must to develop the capital market in order to improve the economic growth. in this way, we should anylese the determinate factor of the financial structure to find how the financial system develop. the way of financial structure in china is the aim for the study
目前,金融發展中存在金融結構應該選擇「主市場」還是「主銀行」的爭論。本文以金融結構這一宏觀變量為切入點,對其內涵、相關理論發展及研究方法等進行了詳細的論述。運用結構比率指標,從社會金融資產的組成與分佈、貨幣結構和融資結構三個方面對以韓國、美國、加拿大為代表的oecd國家的金融發展與金融結構進行分析。However, overseas banks which operate in branch form are not required to hold capital in hong kong and are thus not subject to capital ratio requirements or to capital - based limits on large exposures
但由於以分行形式經營的境外銀行毋須在香港持有資本,有關資本比率的規定和大額貸款的資本限制並不適用於該等銀行。Through the review of theories about capital structures of foreign countries, the paper compares developed with developing countries in the capital structures and analyzes the character of chinese listed company. based on ample data, the proportion of equity financing is much more than that of credit financing in the capital structure of listed company. it indicates that listed company ' s choice of financing approach has an intensive predilection of equity financing, which is far from “ pecking order ” of financing approach in matured market. at the same time, the efficiency of equity finacing is not hight, so is debt finacing. the funds raised from equity finacing changes high frequency and lacks restrict, and the efficiency of debt finacing from bank is not hight because of “ soft restriction ”. despite the debenture has a preferable restrict, it grows lentitudily in china
大量數據說明中國上市公司融資結構中股權融資的比重遠遠超過債權融資,與成熟市場條件下公司融資方式的「啄食順序」不同,有著強烈的股權融資偏好。同時,中國上市公司的融資效率是低下的,不管是股權融資還是債權融資。股權融資募集資金變更頻繁,缺乏約束,資金使用效率不高;銀行債權融資存在軟約束,使用效率同樣不高;公司債券融資具有較高的約束力,但在我國發展受到限制。By researching, the major innovations of this paper are : ( 1 ) analysises the assets and liabilities table and the loss and gain table of life insurance companies in china from 1998 to 2001 in detail, comprehensively reflects the structure of assets and liabilites in the life insurance companies even in the whole life insurance industry of our country during the recent years ; ( 2 ) on the aspect of assets management, our country should reduce the proportion of monetory assets, improve the proportion of investment assets and establish the scientific investment management system, and suitably lower the proporty of the fixed assets on the premise of guaranteeing the operation ; ( 3 ) on the aspect of management of matching assets and liabilities, the life insurance company of our country should reduce the sales of the policies of prearranged high insuranc rate, develop the new type of life insurance products and match each policy with prearranged high interest rate with high interest rate investment correspondingly ; ( 4 ) as refering to the index system of assets and liabilities management of the commercial banks in our country, it has explored that of the life insura
第三部分從壽險公司的資產管理、負債管理、資產負債匹配管理及資產負債匹配管理評價指標四個方面進行了分析和研究。本文的主要創新之處是: ( 1 )將自1998年至2001年國內所有壽險公司的資產負債表和損益表進行了詳細的分析,比較全面地反映了我國近年來各壽險公司及整個壽險業資產負債的結構狀況; ( 2 )在資產管理方面,我國應適當降低貨幣類資產的比例、提高投資類資產的比例並建立科學的投資管理體系、保證經營的前提下適當降低固定資產的比例、盡量減少佔用類資產的比例等; ( 3 )在資產負債匹配管理方面,我國壽險公司應盡量減少高預定利率保單的銷售、發展新型壽險產品,每銷售一批較高預定利率的保單就應選擇相應高利率的投資與之對應匹配; ( 4 )借鑒我國商業銀行資產負債管理的指標體系,探討了壽險公司資產負債匹配管理的指標體系。Chinese banks are facing competition from their foreign rivals as china implements the deregulation of foreign entry under wto. managerial efficiency for chinese banks, has been the key factor to win in the competition. in order to improve our domestic banking efficiency, the level of banking efficiency and the degree of risks should be estimated and evaluated in a comprehensive way
本文以商業銀行作為研究對象,針對我國商業銀行的經濟效率、規模效率和x -低效率等效率指標,採用了效率前沿面分析法中的參數和非參數等方法,對我國商業銀行效率進行了比較全面的測度和分析。In the article, i mainly analyzed the earning power ratios of four state banks with financial analysis method. referring to dupont financial analysis system and four state banks " financial data and main earning power ratios in 1998 - 2002, 1 analyzed the current status of their eaming power and those related factors, such as earning level of main business, structures of income and assets, operation fee management. then by comparison with other domestic stock banks and world ten top banks in tier one capital, assets, pre - tax profits, cost / income ratio and pre - tax profit per employee, i found that the four banks had advantages in scale and strength, but lagged far behind other banks
本文主要採用財務分析的方法,在對四大國有獨資商業銀行近幾年總體的盈利指標進行分析后,借鑒杜邦財務分析體系,分別對四大銀行1998 - 2002年的財務數據和主要盈利能力指標進行趨勢分析,從主營業務的盈利水平、收入結構、資產結構、費用控制等方面分析了四大銀行盈利能力的現狀及其影響因素,並且通過與國內股份制銀行、世界十大銀行資本、資產規模、利潤、收益率、人均利潤等指標的比較,分析四大銀行的盈利能力在國內和國際銀行業中所處的水平,找出存在的差距。First, in order for reserve requirements to work effectively as a flexible buffer, an averaging provision would be necessary to enable the requirements to be met on average over a specified maintenance period : this arrangement might well add to interest rate volatility under certain conditions by encouraging banks to over - or under - react to market movements that changed expectations about the overnight interest rate
首先,為使儲備比率規定能發揮靈活有效的緩沖作用,必須制定一項平均儲備要求,使儲備比率在指定的儲備維持期平均達到要求。但這項安排可能在某些情況下會使銀行對市場動向作出過度或不足的反應,影響隔夜息率的預期,最終反而增加利率波動。This article aims to find some practical methods to reform and optimize credit risk management structure of state - owned commercial banks. during my research process, i collected abundant relevant materials, combed the materials to abstract main clue, and also did powerful analysis with case demonstration, all of which will be reflected in the main body of this article. this article can be divided into three correlated parts : in the first one, it reviews the evolution history of the loan credit risk management of the four state - owned commercial banks, which rationally leads to the discussion of the loan credit risk management reform in the following part
正文希望提供關于國有商業銀行貸款信用風險管理的較為全面的觀察視野,並致力於勾勒清晰的沿革路線和遵循嚴密的論證邏輯,為此,本文分為三部分進行論述:首先本文梳理概括我國國有商業銀行貸款信用風險管理的歷史沿革狀況,提供有關國有商業銀行貸款信用風險問題的基礎信息,簡要分析國有商業銀行龐大不良貸款和畸高不良貸款比率的歷史成因,探討了近幾年以來貸款信用風險管理改革舉措與成效,以清晰說明貸款信用風險管理改革的時代背景和歷史軌跡,為進一步論證奠立事實根基和案例基礎。Suggesting that the minimum capital requirement remains an effective policy instrument even though banks in hong kong consistently maintain capital adequacy ratios above the regulatory requirement, and basel ii is expected to help address the issue of how banks can improve the use of their capital
析述盡管本港銀行一直維持高於監管要求的資本充足比率,最低資本要求仍然是有效的政策工具文章亦預期資本協定二將有助銀行改善資本運用。On one hand, these reforms are caused by market and economic adjustment, on the other hand, it is also the initiative exploration of the administration structure but the exploration is unsuccessful, the corresponding results include that the financial burden is heavy, and bank and the listed companies sacrifice medium and small investor ' s interests etc. because the listed company only regards security market of our country as the place to use the fund free at first, there is no comparativity between utilizing bond financing, bank loan, and other channels to raise enterprise development funds and stock financing
從上世紀80年代初期以前的財政資金供給到銀行信貸資金的供給,再到利用資本市場進行股票及債券等融資方式的出現,這些改革一方面是市場以及經濟環境的變化引起的迫不得已的調整,另一方面也是企業(或主管部門)為了提高企業效率,完善企業內部治理結構的主動探索。但從結果上來看,這些探索並不成功,相應的出現了財政負擔過重,銀行不良資產過多以及上市公司犧牲中小投資者利益,在市場上「圈錢」等現象。由於上市公司最初僅僅是把我國的證券市場當作獲取免費使用資金的場所,利用債券融資、銀行貸款等渠道籌措企業發展資金和股票融資沒有可比性。The modern of ri is better than such methods that are to analyze different risks existing in the operation of bank separately or to require being support by amount of data. it is useful for banks to judge they degree of risk. the fourth part is advising part in which i give some proper suggestions on how to better the financial quality, to improve the capability of management, and to promote the competitive ability of our internal commercial banks in the international market
由於該模型僅需要諸如資產收益率、權益乘數等一些銀行會計部自身便可獲取的財務指標,且該風險指數數據具有同業可比性,能夠反映出銀行財務風險狀況,因此,運用該模型進行風險程度的判定在銀行中運用具有優勢,對于銀行的經營管理有一定的實踐意義。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。分享友人