限制性貸款 的英文怎麼說

中文拼音 [xiànzhìxìngdàikuǎn]
限制性貸款 英文
tied loan
  • : Ⅰ名詞(指定的范圍; 限度) limit; bounds Ⅱ動詞(指定范圍, 不許超過) set a limit; limit; restrict
  • : Ⅰ動詞1 (製造) make; manufacture 2 (擬訂; 規定) draw up; establish 3 (用強力約束; 限定; 管束...
  • : Ⅰ名詞1 (性格) nature; character; disposition 2 (性能; 性質) property; quality 3 (性別) sex ...
  • : loan
  • : Ⅰ形容詞1 (誠懇) sincere 2 [書面語] (緩; 慢) leisurely; slow Ⅱ動詞1 (招待; 款待) receive wit...
  • 限制性 : restricted; restrictive
  • 限制 : place [impose] restrictions on [to]; astrict; restrict; limit; confine; shut down on [upon]: 限制...
  • 貸款 : 1. (借錢給需要用錢者) provide [grant] a loan; make an advance to; extend credit to2. (貸給的款項) loan; credit
  1. Neither the bank, its associates, nor any of their directors, officers or employees, shall be liable to the customer for any expenses, loss or damage suffered by or occasioned to the customer by reason of any action taken or omitted to be taken by any one or all of the bank, its associates, their directors, officers, employees or agents pursuant to these conditions or in connection therewith other than as a result of the fraud, wilful default or negligence of the bank, its associates, their directors, officers, employees or agents ; the bank s failure in good faith to honour any stop - payment instructions given by the customer ; the presentation to the bank of any cheque or other payment order which is post - dated ; the bank failing to honour any draft drawn on it by the customer, but the bank shall immediately return such draft to the customer through the normal channels giving the reason for the dishonour ; any loss, damage, destruction or misdelivery of or to the securities howsoever caused unless the same shall result from the negligence of, or theft by, the bank or its associates or any of their directors, officers or employees, in which event the extent of the liability of the bank shall be limited to the market value of such securities at the date of discovery of the loss and even if the bank has been advised of the possibility of such loss or damage ; unauthorised use or forging of any authorised signature as a result of the negligence, wilful default or fraud of the customer ; subject to condition 5. 5, any act or omission, or insolvency of, any person not associated with the bank including, without limitation, a third party nominee or depositary ; viii the collection or deposit or crediting to the custodian accounts of invalid, fraudulent or forged securities or any entry in the custodian accounts which may be made in connection therewith ; any malfunction of, or error in the transmission of information caused by, any electrical or mechanical machine or system or any interception of communication facilities, abnormal operating conditions, labour difficulties, acts of god, or any similar or dissimilar causes beyond the reasonable control of the bank and notwithstanding paragraph, the error, failure, negligence, act or omission of any other person, system, institution or payment infrastructure

    本行其聯系人士其各董事高級人員或雇員均毋須向客戶因以下理由而使客戶蒙受或產生之任何開支損失或虧損負責: i本行其聯系人士其董事高級人員雇員或代理人根據此等條件採取或遺漏採取有關之行動,但由於本行其聯系人士其董事高級人員雇員或代理人之欺詐行為故意失責或疏忽所造成者除外ii本行本真誠地未能依約替客戶執行止付指示iii向本行提交任何遠期支票或其他付指示iv本行未能兌現由客戶開出之匯票,但本行將立即透過正常渠道將該匯票退回客戶,並解釋拒付之理由v無論如何導致之任何證券之損失損毀毀壞或錯誤交付除非上述各項乃因本行或其聯系人士或其任何董事高級人員或雇員之疏忽或盜竊所引致,而在該等情況下,本行的責任將只於在發現損失當日該等證券之市值,以及即使本行已獲知該等賠償之可能vi因客戶之疏忽故意失責或欺詐行為而導致的任何偽造授權簽名或不獲授權使用該簽名vii在第5 . 5 a條之規下,與本行無關者之任何行動或遺漏或無償債能力包括但不於第三者代名人或寄存處viii代收或存入或存於保管人賬戶的無效偽造或假冒證券或在保管人賬戶記入可能與此有關之賬項ix任何電子機械或系統失靈或因該等機件或系統產生的資料傳送錯誤或任何通訊設施之終斷不正常操作情況勞工問題天災或非本行所能合理控之任何類似或非類似原因及x盡管有第ix項,任何其他人系統機構或付設施的錯誤故障疏忽行動或遺漏。
  2. 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

    儲蓄期一般較短,而按揭的還較長,銀行長期資產與短期負債不匹配,就不能化解未來不確定帶來的風險;二是資產的流動和期呈反方向變動,期越長,流動越低,住房抵押本身的特決定了其流動較差,因此目前各銀行都嚴格;三是風險大,由於按揭是期很長的債權資產,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。
  3. 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度基本要素,即利率與抵押物價值的比例、政府在個人住房市場中的作用、違約情況下的處置措施、個人住房的流動問題,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、信回歸風險、保險機、法律風險和政策風險五個方面為住房資金風險防範機建設提出了相關建議。
  4. But with the unceasing development of the housing loan total quantity and with the character of expensive value, the deadline long, the poor liquidity, the strong policy - type, as well as the housing loan business development time is not long in our country at present, the housing loan insurance, two levels of markets growth will be seriously insufficient, the commercial banks lack the risk disperser and the shift mechanism situation, they will cause the housing loan risk to accumulate day by day in the commercial bank and appear gradually

    但隨著住房總量的不斷增加和住房本身數額大、期長、流動差、政策強等特點,以及在我國目前住房業務發展時間還不長,住房保險、二級市場發育嚴重不足,商業銀行缺乏風險分散和轉移機的情況下,使得住房的風險在商業銀行中日益積累和逐步顯現出來。
  5. 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

    向農村發放政策貼息小額支農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,而小額貼息是不是能夠提高農戶的收入水平,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,將被調查農戶的額,投資領域進行了對比,並與當地非借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、不同額、不縣域環境的戶增收額及其相互關系。來說明財政貼息小額支農對農戶收入的影響,分析政策小額支農對增收的影響因素,論述政策貼息小額支農的政策缺陷及管理上的不足,並結合當今國內外政策支農的政策和管理方式,對我國政策小額支農的政策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的支農作用的根本是推進農村金融體改革和政治體改革,改善農村金融服務,創造一個競爭、規范的農村金融環境,有的貼息解決不了農民的信資金需求問題。
  6. This article defines a notion to financing selling, and it put forward an ordinary operating process of financing selling after researching personal vehicle consume loan and lodging mortgage mode. it arguments the feasibility of engineering machinery financing selling and puts forward the operating process of engineering machinery financing selling and hazard control elusion method through designing financing selling in lite heavy machinery co. ltd. and studies the demonstration of actualizing case

    本文對融資銷售進行了概念界定,在研究我國已有的個人汽車消費和住房按揭模式的基礎上,提出了融資銷售運作的一般程序;並通過對里特重型機械有公司融資銷售的設計與實施案例的實證研究,論證了工程機械融資銷售的可行,提出了工程機械融資銷售的運作程序和風險控規避辦法。
  7. In pressure of competition of the commodity outside facing a nation while, a few comes from a government protection measure of domestic company or management prerogative, the limitation of foreign capital scale that is like market admittance limitation, joint ventures, convenience bank loan authority will be cancelled gradually

    在面對國外商品競爭壓力的同時,國內企業的一些來自政府的保護措施或經營特權,如市場準入、合資企業的外資比例、便利的銀行權等將要被逐漸取消。
  8. 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市場「信緊縮-不良」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,產品市場和信市場形成了通貨緊縮和銀行「惜」惡循環的狀況。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」的惡循環。
  9. The mexican banking crisis of 1995 - 96 supports the policy implications of the " vulnerability - shocks " paradigm : developing countries should identify the specific causes of their banking systems vulnerability and implement the appropriate financial reforms ; fragile banking systems complicate the management of macroeconomic policy in terms of timing, scope, and effectiveness ; macroeconomic considerations should play an important role in the design of bank regulatory regimes ; effective deposit insurance systems should be established in order to reduce bank runs and moral hazards of both bankers and depositors ; considering the apparent role of lending booms in creating vulnerability of banking systems, the authorities should monitor the rate of credit growth, and take measures when it appears to be growing too rapidly

    墨西哥銀行危機印證了「脆弱與沖擊」銀行危機解釋模式的政策含義:發展中國家應針對銀行體系脆弱的具體原因,採取相應改革措施;銀行業的脆弱對經濟改革政策的選擇、實施時機和實施效果均會產生重要影響;應根據宏觀經濟波動程度,確定適當的銀行審慎監管指標水平;建立有效的存保險度;應監督銀行信的擴張速度,在必要時通過實施相應的宏觀經濟政策來銀行的信擴張。從這次銀行危機中我們主要可以得出兩點結論。
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