銀行的信用部 的英文怎麼說

中文拼音 [yínhángdexìnyòngbù]
銀行的信用部 英文
credit department
  • 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...
  • 的 : 4次方是 The fourth power of 2 is direction
  • 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...
  • 部 : Ⅰ名詞1 （部分; 部位） part; section; division; region 2 （部門; 機關或組織單位的名稱） unit; mini...
  • 銀行 : bank
  1. Through analyzing the credit risk in private business sector running by two commercial banks in daqing, we can find that the operation risk is higher than the credit risk of loanee, and it can enlarge credit risk to a great degree

    針對此情況，本文用案例分析指出個人信貸業務產生的風險不僅僅是借款人的信用問題，更主要的是商業銀行的內部因素導致的，即操作風險。健全的內部控制機制和良好的公司治理結構可以有效的控制操作風險的發生。
  2. The paper indicates that, on the premise of the reform of property rights, the choice of modes of establishing a healthy credit system in china should follow the way of marketing. therefore a lot of work remains to be done such as opening credit inquiry data, founding the data base, establishing a scientific credit rating system, forming a credit punitive mechanism, etc. the bank should also play its role in the establishment by perfecting the existing credit management system, forming an effective credit risk precaution mechanism, and carrying out the work of interior credit rating

    關於我國信用制度的具體建設，研究表明：在產權改革的前提下，我國信用制度建設的模式選擇應走市場化的道路，必須做好開放徵信數據、建立數據庫、制定科學的評級指標體系、建立失信懲罰機制等多方面工作，並且要完善銀行現有的信貸管理體制，建立有效的銀行信用風險防範機制，開展銀行內部資信評級工作，發揮銀行的作用。
  3. As for acquiring customers, the game between bank and credit card customer is firstly analyzed, and on the base of the analysis, we can conclude that customers are to obey theirs credit under the rule that customers credit records are shared among the banks. therefore the bank can enlarge its customer group by granting credit to them and the relationship between banks and customers can be established. at the same time, the structure of personal credit evaluation is proposed, the fuss synthesize evaluation method is applied in the case

    在分析客戶關系管理的基本思路應用於信用卡的具體模式時，在獲取客戶關系方面，文章首先分析了信用卡客戶與銀行的信用博弈關系，提出了在銀行業內部徵信的前提下，銀行應對客戶建立善意推定，相信客戶的信用能力，廣泛授信，建立信用卡客戶關系；同時提出了在徵信前提下，銀行信用卡的個人信用評估指標體系以及信用程度的模糊綜合評判法，並進行了算例分析。
  4. 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。
  5. This package of measures has been devised with a view to making credit card terms and conditions more consumer - friendly, and ensuring that they are consistent with applicable laws, " said mr simon topping, executive director banking policy of the hkma

    金管局銀行政策部助理總裁唐培新說：明顯地，認可機構的信用卡服務的經營手法有需要改善的地方。制定此套建議的目的，是確保信用卡的章則及條款能更顧及消費者的需要，及符合香港法例的要求。
  6. By confirmed, irrevocable l / c without recourse in favour of cosco for the total value of the contracted goods in poundssterling, payable at sight against presentation of shipping documents to the bank of china in the port of loading

    保兌的不可撤消的無追索權的以中國遠洋運輸公司為受益人的信用證，合同貨物全部貨款為英鎊，憑即期匯票並附運輸單據向裝運港的中國銀行議付。
  7. The first part mainly introduces the law characteristics and law relations of personal living house mortgage loan, makes research and discussion for establishing the mortgage right and the effect of mortgage right of personal living house mortgage loan, in which, the special responsibility of the loan bank of the mortgage loan is primarily approached, introduces the developing situations of the personal living house mortgage loan of loan of our country, mainly analyses the risk and the source of risk of personal living house mortgage loan, points out that the risk of personal living house mortgage loan mainly comes from the credit risk of the house buyer, the risk to realize mortgage right and the risk to treat the mortgaged house

    第一部分，主要介紹了個人住房抵押貸款的法律特徵和法律關系；對個人住房抵押貸款的抵押權的設定、抵押權的效力進行了研究和論述，其中對抵押貸款中貸款銀行的特別責任進行了初步探討；介紹了我國個人住房抵押貸款的發展狀況，重點剖析了個人住房抵押貸款的風險、風險來源，指出個人住房抵押貸款的風險主要是來自購房者的信用風險、抵押權實現的風險、抵押房產處置的風險。
  8. Your credit card or pps information is captured by the payment service provider e. g. epsco or a credit card acquiring bank. govhk and the government bureau or department that offers the govhk online service cannot access such information

    電子付款服務機構（如易辦事或信用卡收單銀行）會直接收取你輸入的信用卡或繳費靈資料；香港政府一站通及提供香港政府一站通網上服務的政府部門均不能取得有關資料。
  9. Therefore, the measures shall include learning the experience of foreign banks in corporate governance, pursuing the interest of shareholders in addition to protecting the depositors " asset safety, eliminate the systematic flaws firstly, secondly, it is to mould social credit, reinforced credit management, optimize credit increment ; meanwhile the bank should also learn the experience from abroad and use the model of three - level filtering for bad loans to combine the self - disposal and trusted - disposal methods in handling current non - performing loans

    所以岳陽市商業銀行首先要借鑒國外商業銀行的公司治理結構模式，完善在追求股東利益優先的同時，將保護存款人利益的目標融入其中的外部監督模式的公司治理結構，消除不良資產增長過快的制度根源；其次是重塑社會信用、強化信貸管理，優化信貸增量；再次要借鑒國外商業銀行處置不良資產的經驗，制定自主處理和託管處理相結合的三級過濾的不良資產置換模式，消減現有存量，逐步消化存量不良資產。
  10. Secondly, after analyzing the development of basle accord, the outcome was that : the supervision of capital adequacy was taken seriously in the world banking industry, it is undertaking with the effective internal control mechanism and the perfect supervisory system so as to safeguard banks from risks. thirdly, after the analysis of history, problems and reasons of capital adequacy to the state - owned commercial banks, there came ' the conclusion : the capital inadequacy of the state - owned commercial banks resulted from bad loans directly, and the key reason in depth was equity institution. lastly, there was advice for the improvement of supervision of capital adequacy to the state - owned commercial banks : there were two ways to raise the capital adequacy ratio

    首先，鑒定銀行資本的內涵和資本充足性管制的重要性；其次，通過分析巴塞爾協議的演進，得到啟示：當今國際銀行業強調資本充足率管制，並配以有效的內部控制機制和完善的監管系統來防範金融風險；再次，分析國有商業銀行資本充足性管制的歷史、存在問題及原因，得出結論：國有商業銀行資本充足率不足的直接因素是不良資產，深層次的因素是產權制度；最後，對完善國有商業銀行資本充足性管制提出幾點建議：提高資本充足率除了增加分子、降低分母外，還要改革產權制度，建立有效的內部控制機制，加強風險防範，建立完整的信用評級系統。
  11. Secondly, this dissertation introduces the operation principles of kmv and creditmetrics models, and emphatically probes into how the models to measure credit risk of assets portfolio, and analyses the applications in credit asset pricing, the investment decision based on var and the supervision by using internal credit risk measurement models, and advances creditmetrics model based on conditions of china ' s commercial banks, and studies fundamental conditions, limited conditions, and how to use moutun ' s pricing model testing results of creditmetrics model

    接著對kmv模型和creditmetrics模型的運作原理進行了介紹，並重點探討了模型是如何對信用資產組合的信用風險進行度量，以及對信用資產定價、基於受險價值的投資決策以及利用內部信用風險度量模型進行監管等方面作了分析，提出基於我國商業銀行信用風險實際的creditmetrics模型，分析了該模型運用的基本條件和限制條件以及如何使用默頓定價模型對creditmetrics模型分析結果進行檢驗。
  12. And path dependence theory, marginal theory and optimizing theory are applying in this paper. this article ends up with a few of hypotheses below : at present, retail exposures of credit risk may be valuated by multi - factors score ; company ones of credit risk may be valuated by modified specialist method ; and bank ones of credit risk may be valuated by quasi modern credit risk valuation model ; the destination is to get to the same way to modern credit risk valuation model by which all kinds of risk can be valuated, by the means of motivational transition or compelled one of the institute

    在此基礎上，以會計/市場數據可得性和有效性、金融市場發育程度、利率市場化深度、公司治理結構的完善度以及信用工具本身的特徵（尤其是衍生金融工具）等因素作為細分依據，將我國商業銀行中信用風險暴露（嚴格意義上來說，為了突出本文的觀點，本文僅僅是對商業銀行的部分風險暴露）劃分為:零售信用風險暴露、公司信用風險暴露? ?對大型企業集團的信用風險暴露和銀行信用風險暴露? ?銀行對質優上市公司的信貸業務、銀行的貨幣市場業務以及金融衍生產品業務等。
  13. In order to tackle the challenge of the international financial market, we must set up valid credit rating system as soon as possible inside our country ' s bank

    為了應對國際金融市場的挑戰，必須在我國銀行內部盡快建立起有效的信用風險評級體系。
  14. It includes how to establish a sound institution of risk management and to better management principles ; how to develop a net technology with a independent intellectual property to ensure a safer net banking ; how to institute a social consultant agent and credibility system to reduce the risk to the bottom line ; how to strengthen the construction of the related laws to secure a fair just and order financial environment, how to strengthen banking supervision to secure a effective risk management ; how to enroll a highly q

    由於我國網路銀行風險管理存在諸多問題，影響著我國網路銀行的正常發展，為此筆者提出了自己對加強網路銀行風險管理的一些想法，主要包括建立健全風險管理組織機構和完善管理規章制度；發展先進的具有自主知識產權的網路技術，全面提高網路安全性能；建立健全社會資信咨詢機構和信用制度，最大限度降低信用風險；加強法制建設營造公平、公正、有序的網路金融環境；加強銀行監管，確保網路銀行風險管理外部監督的有效性；努力建立一支高素質復合型的網路銀行經營與管理人才隊伍。
  15. Unless otherwise agreed to by seller, payment is to be made against sight draft drawn under a confirmed, irrevocable, divisible and assignable letter of credit without recourse for the full amount, established through a first class bank acceptable to the sellers

    除得到賣方同意者外，買方應通過賣方所能接受的第一流銀行開立保兌的、不可撤消的及無追索權、可分割、可轉讓的全部貨款憑即期匯票支付的信用證付款。
  16. Lastly, it analyses the management methods of credit risk, market risk and operation risk of our commercial banks : in the section of the credit risk, it begins with risk recognition, introduces the difficulties of establishing the internal ratings - based approach of our commercial bank and puts forward the management thinkings from the five respects : the setup of irb, credit culture establishment, the modification of information announcement, the innovation of credit management tools and improvement of the capital adequate rate. in the section of market risk, it introduces the reason of strengthening its management of the whole world and our country, analyses the most important method - var and then discusses its operation inour country commercial banks. in the section of the operation risk, it defines the internal meaning, analyses the different measure means, points out current pressure of our commercial bank ' s facing and finally proposes the rightful operation risk management tactics combining the actual situation of our country

    首先是對新協議本身的研究，介紹了巴塞爾協議的邏輯演進、新協議的主要內容及主要特徵；其次從最低資本要求、監督部門的監督檢查和市場約束三大支柱入手，分析新協議對我國商業銀行風險管理可能產生的不利影響；最後分析了新協議框架下我國商業銀行信用風險、市場風險和操作風險的管理思路：信用風險部分從對其的識別分析入手，介紹了我國商業銀行建立內部評級法的必然性，最後從內部評級體系的構建、良好信用管理文化的建立、信用風險的信息披露改進、信用管理工具創新和提高資本充足率、構建統一的風險管理組織結構六個方面提出了我國商業銀行信用風險的管理途徑；市場風險部分介紹了全球以及我國加強其管理的原因，對當前市場風險管理的主流方法? ? var方法進行了詳細的闡述，並進而對var方法應用於我國商業銀行市場風險管理中的若干問題進行了探討；操作風險部分在正確界定其內涵的基礎上，重點分析了各種計量方法，並指出現階段我國商業銀行加強操作風險管理的緊迫性，最後並結合我國的實際情況提出了合理的操作風險管理策略。
  17. The group has managed to reduce its risk profile during the past few years by increasing card spending in areas other than travel and entertainment and by winding down the commercial lending side of its small bank

    通過增加旅遊和娛樂之外領域的信用卡消費，以及在其規模相對較小的銀行部門逐步停止商業借貸業務，該集團已成功降低了風險特性。
  18. Of course, with the study of the model in dynamic relation of incomplete information before loan and the model in dynamic relation of complete information after loan between banks and enterprises, the paper could say we would reduce credit risk from controlling the rate of profit before loan, the cost of bank ’ s pressing for payment of debt after loan etc. the second part is studding the measurement method of credit risk. the paper introduce a few models including credit monitor model, credit metrics, credit risk + etc.

    在這部分，本文主要運用博弈論與信息經濟學的方法，對銀行與企業在貸款申請階段的不完全信息動態博弈與在貸款歸還階段的完全信息動態博弈進行了一系列研究，從而得出有效控制企業貸款申請階段提出的收益率及貸款歸還階段銀行的催款成本、企業違約的損失、銀行對企業的懲罰等一系列指標，將會有效的減少銀行信用風險的產生。
  19. In this kind of principal - agent relationship, as a majority in the ownership and investor from outside, the government commits the capital of banks to the president, with sovereign credit guaranteed to absorb large number of deposits and with the expectation to the president of bank to run the capital according to the maximization of state interests. but this kind of administrative relationship on one hand is not helpful to the complete commercial operation on capital by reason of the decision - making power of banks controlled by the government ; on the other hand chances are that the manager of the bank pays little attention to risks, which will result in the losses government can neither supervise nor control but has to undertake finally. the only effective means to control the bank is the power of appointing and dismissing the head of the bank, which however will give rise to soft constraint in governance structure

    在政府?行長委託代理關系中，政府作為銀行所有權的主體和外部出資人將銀行資本委託給銀行行長經營，並以國家信用做擔保吸收巨額存款，希望銀行行長能按國家利益最大化目標進行良好運作，但是這種「行政管理式的委託?代理制」 ，一方面使得銀行經營的自主權受到政府所有者的抑制，而不能進行徹底的商業化經營；另一方面也使得銀行經營者有可能不顧風險，由此給所有者造成損失並最終由政府承擔，而政府部門卻無法對其進行有效監督與控制，在這種產權安排與治理結構下，政府對銀行的有效控制手段主要是行使對銀行行長的任免權。
  20. China development bank ' s credit rating system is set up on the basis of consultation and suggestions of boston consulting company, internal rating methods of european and american banks, and the situation of china and the bank itself

    國家開發銀行的信用評級體系，是根據波士頓咨詢公司（ bcg ）的咨詢與建議以。及借鑒歐美先進銀行的內部評級方法基礎上，結合中國國情、開發銀行的實際情況而建立的。
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