限制信貸 的英文怎麼說
中文拼音 [xiànzhìxìndài]
限制信貸
英文
credit containment-
It has the remarkable characters of the limited recourse or without recourse and financing besides the balance sheet. it can avoid the trouble to get the domestic credit and to finance from the international capital market for the capital - intensive project. so it has much attraction for these large - scale projects of infrastructure of power plant, highway, railway, airport, water plant and the long distance transmission pipe, etc. which urgently needs to invest and at the same time be limited by the shortage of the capital
Bot投資方式具有項目融資的典型特徵， bot項目是項目融資的一種特定方式，它具有有限追索權或無追索權和資產負債表外融資等顯著特徵，可以避開國內信貸的困難，從國際金融市場上為資本密集型投資項目籌集資金，因而對于亟需加大投入、而又受到資金短缺制約的電廠、公路、鐵路、機場、水廠及長距離輸水管道等大型基礎設施項目具有很大的吸引力。The main ways to improve the household consumption rate and enlarge household consumption expenditure are that : improving the final consumption expenditure, making the investment rate lower ; raising residents " income, especially that of low - income groups, among which the rural household constitute the largest one in china ; building an extensive more complete social protection system, giving full play to the government ' s function in adjusting the income reallocation ; restoring the enterprises to meet the needs of consumption upgrading ; further advancing the consumption crediting and make consumer - friendly environment, eliminating the policies restricting consumption
為了提高居民消費率，擴大居民消費需求，主要對策有：提高最終消費率，改變投資率過高的局面；從整體上提高居民收入，千方百計增加低收入者尤其是人數最為眾多的廣大農民的收入，提高居民消費能力；建立、健全社會保障體系，強化國家調節收入分配的職能；合理調整產業結構，促進消費結構升級；進一步發展消費信貸；改善消費環境，廢除限制消費的政策、措施。Granting of restricted banking licence to spc credit limited
美國太平洋信貸有限公司獲發有限制銀行牌照However, once we take all - sided and impersonal view over the housing finance, we will definitely realize the conflict between the high speed and the low efficiency of it. in this paper, it ' s analyzed that there ' re five factors affecting the efficiency of housing finance, based on the basic situation of china as a developing country and according to some related theories of the western economics. the first one is the dual - track interest rate which presumes that price of housing credit financing is under the control of government to a certain extent, and the rest is open
因此，本文從我國作為一個發展中國家? ?這一基本國情出發，以西方經濟學中有關理論為依據，分析影響我國住房金融效率的因素主要包括：利率雙軌，即一部分住房信貸資金價格受到政府的管制，而另一部分住房信貸資金價格則是開放的；住房金融機構產權不清，特別是政策性住房金融機構產權不清而導致金融創新動力不足，金融工具品種單一，不能滿足居民需求多樣化的要求；住房信貸中由於較高的交易費用，而使內耗偏高、效率降低；住房金融機構不健全，既不存在真正的住房金融機構又缺乏相應的擔保機構；此外，住房金融中融資機制不完備，長期信貸資金來源不足與資產負債的期限結構不匹配也是影響住房金融效率的一個主要因素。The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items
儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。The chapter 1 of this text make brief introduction of medium and small sized enterprises developping condition in our country, combining to analysis financing predicament of medium and small sized enterprises, point expatiate the problem of medium and small sized enterprises in our country, main proceeds with two aspects of direct financing and indirect financing elucidation : the mortgage guarantee loan to medium and small sized enterprises procedure complicacy, limit numerous, financing institution business operating of mechanism system restrict the credit input to the medium and small sized enterprises ; the medium and small sized enterprises lack the channel and place to < wp = 7 > proceeding ownership of a share in direct financing, lack bond financing credit, did not become the diverse capital market and so forth of a series of problem
本文第一章對我國中小企業發展狀況作了簡單介紹，並對我國中小企業融資困境進行了分析，重點闡述了我國中小企業融資中存在的問題，主要從間接融資和直接融資兩個方面進行說明：中小企業抵押擔保貸款程序復雜，限制繁多，金融機構商業化的經營機制制約了對中小企業的信貸投入；中小企業在直接融資中缺乏進行股權融資的渠道和場所，債券融資資信不足，未形成多樣化的資本市場等一系列問題。 < wp = 5 >本文第二章說明我國中小企業可以吸取國外的先進經驗，採取融資租賃的方式緩解中小企業融資難的問題。At first, this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system, and established the system of personal credit evaluate ; the second, the thesis discusses the investment technique and strategy of national debt in the provident fund, and established the model about how to invest the national debt ; the third, the thesis build the forecast model about fund collecting and drawing, and make use of the combination invest theories to build model of individual loan and national debt ; at last, the thesis analyses the risk ' s inside reason of house funds with the risk type, and to give out the related suggestion to funds risk. mechanism. the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds
本文首先分析了個人住房貸款制度基本要素，即貸款期限、貸款利率與抵押物價值的比例、政府在個人住房貸款市場中的作用、貸款違約情況下的處置措施、個人住房貸款的流動性問題，並對中外製度作了比較，建立了個人信用評分評級體系和信用評估模型，並以重慶市住房公積金為研究對象做出了住房資金個貸風險評估的實證研究；其次，分析了影響國債價格走勢的因素，討論了公積金國債的投資技巧和策略，並建立了基於理論的國債投資組合模型；接下來，根據資產負債管理理論中的資金總庫法和資金分配法分析了公積金總體資金項目的來源和運用，並就此作了總量平衡模型，對住房公積金季度累計歸集金額作了直線回歸和季節趨勢比率預測，運用投資組合理論建立了公積金個人貸款和國債投資組合的最優化模型；最後，探析了住房資金風險的內在原因和風險類型，從資金籌集風險、信貸回歸風險、保險機制、法律風險和政策風險五個方面為住房資金風險防範機制建設提出了相關建議。Dealing with currencies, the commercial banks are endowed with great credit risk. from the very beginning, the commercial banks in different countries all seek for rish - avoiding - means to control the credit risk to the maxium
商業銀行作為經營貨幣的特殊企業，其信貸風險屬性是與生俱來的；因此，各國商業銀行自誕生的一天起，就在努力尋求規避信貸風險的方法和手段，以最大限度地控制信貸風險。The bank offer him unlimited credit
該銀行向他提供無限制的信貸。In order to preserve the capital and to meet foreign exchange requirements for market intervention purposes, the exchange fund maintains very high liquidity and restricts its investments to a mix of liquid securities of the highest credit quality
外匯基金為了保障資本以及滿足進行市場干預所需的外匯需求，必須保持極高的流動性，並將投資限制在獲得最高信貸評級而且流通量高的短期證券的范圍內。In order to fortify faith in our own currency, we have restricted its issue and granted big loans to individual people and production undertakings, thus gaining the people ' s warm support and strengthening the people ' s faith in the currency
為了保障本幣的信用，我們限制了發行額，大批地貸給人民和投入生產事業，取得了人民的熱烈擁護，本幣的信用是很鞏固的。But currently our country " s financing system is entangled with the following problems : 1 ) the resources of fund supply are monopolized by the bank loans ; 2 ) the big four state - owned banks provide too few loans to msfs ; 3 ) the allotment of loans between different msfs is unbalanced mostly at state - owned msfs advantage ; 4 ) the financing funds from the internal and external firms are disproportioned and the ratio of debt to asset is too high ; 5 ) the capital market is almost closed to msfs and they have no qualification of bond issuance
而在我國目前的融資體制下，特許加盟企業存在著如下融資問題:資金供給渠道單一，主要是銀行貸款為主的間接融資:大型商業銀行對中小企業貸款份額較小:信貸融資在不同所有制中小企業之間的配置不均衡，銀行貸款偏重於國有和集體企業;企業內源融資渠道不暢，來自企業留存利潤部分的融資比例不高;直接來源的有效資金供給不足，尚沒有為中小企業服務的正規資本市場，中小企業發行債券受到限制。Arranging to have daily withdrawal limit on your bank account, setting up joint account that requires two signatures, paying bills electronically, or putting a " no more credit " notation on your credit accounts
控制現金的流轉-限制現金的供應，如制訂每日從銀行戶口提款的限額、開立一個需要兩個簽署的聯名戶口、安排電子付款或通知銀行限制信用卡貸款。Issuing to village the policy subsidying the small sum in interest an agricultural loan a valid path for always is academic circles with poor population in generally accepted the village of solution in government in all levels, promoting village developping, from current see theoretically, the small sum of the certain scope inside subsidying the interest lends money of issue, will promote the agriculture and the development of the village, increase poor and homely income in village level, but the small sum subsidying the loan of interest is can increase the income level of the peasant household, lend money a problem for increasing accepting together native average in circumstance increasing accepting sum comparing, result how, this is this text wanting resolving, this text pass to the inquisition of the loan peasant household, in collecting large quantity one hand material of foundation, is all each county downtown to is investigated the data proceeded to gather, statisticsing the contrast circumstance that loan an income change the circumstance and increase with native average the sum, the loan sum that will be investigated the peasant household, invest the realm proceeded the contrast, and borrow funds with the region not door of that year income increment the sum proceeded the comparison. use the different from lengthways the method research that compare investment in fixed amount realm, different loan sum, not the environmental loan in area in county door increases to accept sum and its correlations. come to explain the public finance subsidy the small sum in interest an agricultural loan an influence for to peasant household income, analyzing the small sum in policy an agricultural loan an influence for to increasing accepting the factor, discussing the policy stick the small sum in interest an agricultural loan a shortage for of policy blemish and managing top, combining domestic and international policy of now of combination an agricultural loan a policy for of policy with managing way, to small sum in policy in our country an agricultural loan style establishment and manage the mode put forward a little bit personal views, the writer thinks that develop the policy an agricultural loan a root for of a farming using is a financial environment of village to push forward financial system in village reform to reform with political setup, improve village finance serve, create a competition, norm, subsidying the interest the loan the solution limitedly not farmer of letter funds need problem
向農村發放政策性貼息小額支農貸款一直是學術界和各級政府比較公認的解決農村貧困人口，促進農村發展的有效途徑，從現有的理論上看，一定范圍內的小額貼息貸款的發放，會促進農業和農村的發展，提高農村貧困家庭的收入水平，而小額貼息貸款是不是能夠提高農戶的收入水平，貸款戶的增收情況同當地的平均增收額比較，效果怎樣，這是本文所要解決的問題，本文通過對貸款農戶的調查，在收集大量第一手材料的基礎上，將各縣市區所有被調查數據進行了匯總，統計出貸款戶收入變化情況以及與當地的平均增長額的對比情況，將被調查農戶的貸款額，投資領域進行了對比，並與當地非借款戶的當年收入增加額進行了比較。用定量比較和縱向比較的方法研究不同投資領域、不同貸款額、不縣域環境的貸款戶增收額及其相互關系。來說明財政貼息小額支農貸款對農戶收入的影響，分析政策性小額支農貸款對增收的影響因素，論述政策性貼息小額支農貸款的政策性缺陷及管理上的不足，並結合當今國內外政策性支農貸款的政策和管理方式，對我國政策性小額支農貸款的政策制定及管理模式提出了個人的一些見解，筆者認為發揮政策支農貸款的支農作用的根本是推進農村金融體制改革和政治體制改革，改善農村金融服務，創造一個競爭、規范的農村金融環境，有限的貼息貸款解決不了農民的信貸資金需求問題。This thesis, through extensive investigation on site for present situation of mse credit guarantee finance in mianyang, incorporated relevant theory of mse credit guarantee with the present development of mse credit guarantee in domestic and abroad, analysis the guarantee financing case of mianyang zijiang electronic ltd. study the guarantee operation of mianyang tianli credit guarantee ltd. in detail, point out. the problem existed in mse credit guarantee institution in mianyang. at last, the thesis gave the strategy and proposal of how to improving the credit guaranty system in mianyang
本文對綿陽市中小企業信用擔保融資的現狀作了詳實的實地調研，結合對中小企業信用擔保有關理論的探討以及目前國內外中小企業信用擔保的發展情況的介紹，運用實證分析和案例分析法，分析了綿陽市資江電子有限責任公司的擔保融資案例，具體解剖了綿陽市天力信貸擔保公司的擔保運作機制，指出綿陽市中小企業信用擔保融資存在的問題，最後提出了完善綿陽市中小企業信用擔保體系的對策及建議。In the first chapter, this paper define the loan behavior of commercial banks as some kind of contract under the market condition, then provides its five premises. furthermore, it performs a academic deduction econometrically by a monopolized market structure model, in terms of both free interest rate and constricted interested rate, from which conclusion is drawn that, also proved by loan rationing theory in various aspects, if there is complete information, loan contract will be helpful to transfer risks. chapter 2 is concentrated on china ' s stated - owned commercial banks
本文首先對商業銀行信貸行為進行界定，認為商業銀行的信貸行為是市場化的合約行為，並提出了市場化合約行為的五大前提條件，並通過構建壟斷型市場結構下在利率受到限制與利率不受限制條件下商業銀行信貸行為的理論模型對市場化信貸行為進行數學上的推導、分析，得出在利率限制條件下商業銀行與企業之間具有完全信息時，信貸合約是有轉嫁風險的行為，以及利率限制條件下商業銀行與企業之間具有不對稱信息和利率不限制條件下商業銀行與企業之間具有不對稱信息時的各種情況。In an eagerly awaited speech at jackson hole, ben bernanke, the fed chairman, did his statesmanlike best to exude confidence, reiterating that although the central bank should not protect lenders and investors “ from the consequences of their financial decisions ”, it would act “ as needed ” to limit damage to the broader economy
在傑克遜霍爾業界殷切期望的講話上，美聯儲主席貝南克頗具政治風范，信誓旦旦的重申盡管央行不應保護借貸雙方「自己的金融決策後果」 ，但它會採取「必要」措施限制金融市場的動蕩打擊更廣泛的經濟領域。Concerns about the loss of privacy could be addressed by requiring the ccra and its users to comply with regulations designed to safeguard data privacy. such regulations may include limits on access to credit files, elimination of one s credit history after a set period of time, and the right to access, check and correct one s own file
關于資料保密方面，可以規定商業信貸資料庫及使用者遵守資料保密的規例，其中包括限制查閱信貸檔案經過某指定時期即刪除信貸記錄，以及容許信貸申請人查閱與更正本身的信貸檔案等。Limit reportable data by credit providers to only those data necessary to indicate the punctuality of payments, for example, the number of days past due in payment rather than the actual dates of payment
A ）限制信貸提供者只可報告還款是否準時的資料，例如逾期還款的日數，而非實際的還款日期。Global clearinghouse leaders discuss best practices for risk management and clearing including risk monitoring, default mechanisms, lines of credit, margining, security deposits, and insurance
作為全球票據交換的主要公司，在這個專題中將探討風險管理和清算的經驗，包括風險監控、違約機制、信貸限額、限額邊界、保證金收取、風險準備金和保險。分享友人