額危險度 的英文怎麼說
中文拼音 [éwēixiǎndù]
額危險度
英文
excess risk-
Although repay every months with lowermost reimbursement specified amount, loan won ' t have exceed the time limit, but if press lowermost reimbursement specified amount all the time, spend reimbursement, there can be a large sum of odd loans to want to return when expiring to loan, if loan of this part the rest cannot repay on time be about to calculate exceed the time limit is punished breath ; had expired because of loan at the same time, cannot the word house of reimbursement still is facing the risk that is dealt with, if want to repay slowly, had had not enough time at this moment, when loan expires must sum repays end
雖然每月以最低還款額償還貸款不會有逾期，但假如一直按最低還款額度還款，到貸款到期時就會有一大筆剩餘貸款要還，這部分剩餘貸款假如不能按時償還就要計算逾期罰息；同時因為貸款已經到期，不能還款的話房子還面臨著被處置的危險，這時假如想要慢慢償還已經來不及了，貸款到期時必須一次全額償還完畢。Deposit insurance system plays an important role in solving bank crisis, protecting creditors ' s profits, promoting the competition of banks, building finance laws, releasing government ' s burden and as a critical part of bank security net
存款保險制度作為銀行「安全網」的一個重要組成部分，在防止市場化改革后的銀行業危機、保護小額存款人的利益、促進各銀行間的公平競爭、促進金融法制建設、減輕政府負擔等方面具有重要意義。As the financial system reformation goes more further, the ccbs have no systematic advantages any more, meanwhile, the disadvantages like small - sized, weak bases, lack of capital and complex competition ability, especial the profit ability has became more and more obvious. according to the statistics offered by the china banking regulatory commission ( cbrc ), by the end of 2004. 11, the total assets of all the ccbs in china is 1. 9 trillion, and the equity is 693 billion. according to the five - category classification, the balance of non - performing loans ( npl ) is 9. 7 %, and the average capital adequacy ratio is 2. 7 %, while the average total assets is less than 0. 1 %, which is only 1 / 12 of american average level
我國中小商業銀行的主力軍? ?城市商業銀行風風雨雨近十年，在過去的十年中，初步化解了多年積累的風險、在地方經濟發展中發揮了重要的作用;隨著金融體制改革的全面深化，城市商業銀行的體制、機制優勢逐漸與競爭對手同質化，規模小、底子薄、資本實力弱、綜合競爭能力差尤其是贏利能力弱的劣勢日益凸現，據銀行業監督管理委員會的統計，截止2005年11月，全國城市商業銀行資產總額為1 . 9萬億、所有權權益693億、按照貸款五級分類，不良貸款余額為1027億、平均不良貸款率為9 . 7 % 、平均資本充足率為2 . 7 % ，其中平均的總資產收益率不到0 . 1 %是美國平均水平的1 / 12 ，就是跟印度、馬來西亞等發展中國家比差距也不小，中小商業銀行的財務問題逐漸成為了其進一步發展的瓶頸，財務風險凸現，潛在的財務危機也日益加大。
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