銀行貸出能力 的英文怎麼說

中文拼音 [yínhángdàichūnénglì]
銀行貸出能力 英文
banking power
  • 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
  • 能 : 能名詞（姓氏） a surname
  • 力 : Ⅰ名1 （力量; 能力） power; strength; ability; capacity 2 [物理學] （改變物體運動狀態的作用） forc...
  • 銀行 : bank
  • 貸出 : advancing
  • 能力 : ability; capacity; capability
  1. 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。
  2. However, the complicated international - trade circumstance makes it very difficult to control the payment risks of export, and at the same time because of their own defects, the traditional trade finance products cannot satisfy the exporters ’ needs. therefore, it has a high demand for the newer and better trade finance products and forfaiting is just a suitable one as a kind of bill discounted without recourse. after entering into wto takes the opportunities and challenges to the chinese banks, and the foreign banks will try to occupy the chinese markets by their rich management experiences, high - quality services and various fianc products

    一、本文的研究目的和意義隨著商業銀行客戶群日益多樣化的發展和不斷涌現的國際貿易新形式，傳統的打包貸款、出口押匯等業務品種，已遠不能滿足我國企業日趨豐富的融資需求，本文通過對福費廷業務的特點、風險狀況、市場前景的分析，力圖找到一條適合我國商業銀行開展福費廷業務的新路子、新思維，同時也希望能為我國這樣一個新興市場經濟國家在解決出口融資方面提出一個值得大力發展的途徑，有利於促進我國出口貿易及我國商業銀行國際業務的大發展。
  3. The econometrics model is put forward and we confirm that variables that human resource quality, loan quality the property right structure and so on ca n ' t be brought into in - put and out - put determine the affected way and degree of the bank efficiency

    建立了計量經濟模型，明確人力資源質量、貸款質量、產權結構等不能納入投入產出的銀行特徵變量對銀行效率的影響方式和影響程度大小。
  4. 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。
  5. Abstract : setting out from the characteristic of house financial markets actual in china, a deeply analysis in varies risk and its causes is made. a few countermeasure keeping away house financial risk, for instance developing house financial serving organization such as the broker buildup by certification lawyers and classify insurance and excessive pledge and conforming house mortgage rate reasonably and evaluating loan repay ability in science is put forward

    文摘:從我國目前住宅金融市場特點出發，深入分析了銀行貸款面臨的各種風險及其產生的主要原因，提出了發展以執業律師為主體的住宅金融服務機構? ?抵押貸款經紀人、分類保險、多重保證、合理確定房產抵押率、科學評估貸款人償貸能力等具體的金融風險防範對策
  6. After 1989, the increase of demand slowed down and facing the complexion of low degree of industrial concentration of product market and financial strain of medi um and small - sized enterprises caused by the circulating trap of " credit squeeze - - - bad loan ", the advantageous enterprises " " wallow in money ", specifically, those listed companies that could finance from the stock market, began to take predatory pricing strategy in succession and tried to enlarge market share and obtain high return by squeezing medium and small - sized enterprises out of the market after 1998, the vicious circle of deflation and " credit grudging " of banks in product and credit markets, overcapacity, the difficulty of retreating of loss - incurring enterprises in some industries from the market for institutional reasons and over - competition in some industries, led to the incessant decrease of enterprises " global income, persistent increase of rate of debts and constant rise of ratio of bad assets of banks, which further intensified the vicious circle of deflation and " credit grudging " of banks

    如在改革開放初期，在產品市場需求旺盛和信貸市場預算軟約束的情況下，各類企業的最優決策就是採用高負債、高擴張的「負債的有限責任效應」策略來搶占市場並獲得高回報； 1989年以後，需求增速開始放緩，面臨產品市場產業集中度較低和信貸市場「信貸緊縮-不良貸款」循環陷阱導致的中小企業資金緊張的局面， 「錢袋鼓鼓」的優勢企業（尤其是那些可以通過股票市場融通資金的上市公司）紛紛採用掠奪性定價策略，試圖通過把中小企業擠出市場來擴大市場份額並獲得高收益； 1998年以後，產品市場和信貸市場形成了通貨緊縮和銀行「惜貸」惡性循環的狀況。產品市場上部分行業生產能力嚴重過剩，且由於體制等原因導致虧損企業無法退出，因此這些行業中出現了過度競爭的現象，企業總體收益的不斷下滑、負債率不斷提高以及銀行不良資產率的持續上升，又進一步加強了通貨緊縮和銀行「惜貸」的惡性循環。
  7. In this chapter, the author overviews the development and current state of personal loan business in foreign commercial banks, delicately expounds this development in china, and summarizes the characteristics of personal loan business, that is, relatively long loan period ; paying by installments ; mortgaging loan and small volume of retail sales. chapter two presents the risks affecting the development of personal housing loan business

    本文認為，我國商業銀行要提高核心競爭能力，適應國際化大銀行的發展需要，確保在個人住房貸款業務市場上的競爭優勢，必須在業務流程方面做出相應的調整，並結合實際對商業銀行個人住房貸款業務流程的改善提出一些有現實意義的建議。
  8. By analyzing motive mechanism of information sharing and cooperating through information sharing choice model, the paper believes that expectation value of information sharing is different to banks under current credit market structure, but compulsive information sharing by public organization is likely to produce two entirely different kinds of effects, one is dissociation, the other is participation

    文章通過信用信息共享抉擇模型分析我國銀行間信用信息共享與合作動力機制，得出在目前信貸市場結構下，各銀行對信用信息共享程度的期望值不同，而公共機關強制的信息共享可能對銀行的行為產生游離或參與兩種截然不同的效用。
  9. The bank still must examine the reimbursement ability of the person that buy a house, what hold out a trouble anyway is best it is to buy room person to take out money you loan paid, after obtaining house property evidence, again more the name is very easy, both sides of husband and wife obtains an order, registered permanent residence, id, house property card, went to hall handling card, xerox and buy a contract on the spot ok do well, very save trouble

    銀行還得審查購房人的還款能力，反正挺麻煩的最好是買房人拿出錢你們把貸款一次付清，取得房產證后，再更名就很輕易了，夫妻雙方拿名章，戶口，身份證，房產證，到辦證大廳就行了，復印件和購買合同當場就可以弄好，很省事。
  10. The securitisation of home mortgage will be put out soon in our country as a new financial product, and it will enable the huge, poor - liquidity funds to be effectively used, thus to improve the strength that the banks within our border resist financial risks

    住房抵押貸款證券化作為一種新的金融產品在我國即將推出，它將使住房抵押貸款這筆龐大的、流動性較差的資金得到有效的利用，提高銀行抵禦金融風險的能力。
  11. The merged charges of university make people be aware of more and more education is a kind of investment, and would like to invest education, at the same time, international community and every locality area is in the aspects of university student subsidizing of positive revolves to also affect the our country, the state student - aided loan policy under this kind of background out set

    高校並軌收費使人們越來越意識到教育是一種投資，並且願意投資于教育，同時世界各國和各地區在大學生資助方面的良性運轉也影響著我國，國家助學貸款政策就在這種背景下出臺。國家助學貸款政策的出臺有力地支持和促進了教育的改革和發展，且能夠為銀行開拓新市場、擴大業務、提高企業形象，帶來經濟和社會的雙重效益，對一個國家的發展具有一種潛在的、長遠的效益。
  12. Aiming at the above reasons, the article proposed some measures to avoid and dissolve loan risk. for example the commercial bank should establish the early - warning system and program control system. the author suggested recovering the main bank system

    針對以上原因，本文提出了防範與化解貸款風險的一些措施：如建立預警系統、程序控制等，並提出了要恢復主辦銀行體制的觀點，以期對我國商業銀行貸款風險控制能力的提升有所幫助。
  13. Firstly, commercial banks should innovate organization institution and financial instruments ; secondly, banks must intensify cultivating interest rate risk management personnel promote the ability to predict long - term and short - term interest rate level ; thirdly, commercial banks should set up advanced pricing mechanism of loan and deposit ; fourthly, commercial banks must set up effective interest rate risk prevention mechanism

    最後還提出了我國商業銀行應對風險的具體策略：第一、進行組織制度創新和金融工具創新；第二、加大利率風險管理人才培養，提高商業銀行對長短期利率的預測能力；第三、建立科學的存貸款定價機制；第四、建立有效的利率風險防範機制。
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