風險借貸 的英文怎麼說
中文拼音 [fēngxiǎnjièdài]
風險借貸
英文
subprime lending-
At first, this thesis analyzes sorts of residential mortgage risks, brings forward some methods of risk control, points out that insurance is the most effective way to transfer the risks of residential mortgage, and introduces some insurances on residential mortgage in domestic financial market and abroad, expounds particularly the successful experience of usa where the business insurance agents, fha and va provide full ensurance for the loans of bank to disperse default risk, thus promotes the prosperity of real estate finance
本論文首先從分析住房抵押貸款的風險種類入手，提出了多種風險處理措施，指出住房抵押貸款風險最有效的轉移措施是保險，並介紹了國內外現行住房抵押貸款有關保險，詳細闡述了美國的成功經驗：通過商業保險公司、 fha 、 va等機構對銀行放款提供全方位保障，化解來自借款人不能償付貸款的風險，促使整個房地產金融活躍起來。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。Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as ( 1 ) the loan pricing not been involved in the decision mechanism of credit ; ( 2 ) lacking of risk price ration system ; ( 3 ) mismatching between the interest rate and the risk of the loan items
由於長期的利率管制，我國商業銀行的貸款定價管理十分薄弱，主要體現為貸款定價未被納入信貸決策機制中；缺乏定量化的定價系統；利率浮動的幅度未能反映借款人的信用水平及貸款項目的風險程度。Prior to the crisis, the banking systems were often inadequately supervised and were prone to incurring excessive maturity mismatch risks by borrowing short - term funds to finance long - term investments
在危機爆發前，銀行體系往往監管不足，而且因為以短期借貸來提供長期投資所需資金，所以也很容易引致過量的期限錯配風險。This paper compares the development circumstances and status between foreign and domestic consumer credit business, introduces relevant foreign experience and puts forward suggestions and solutions in the followings including : improving the domestic circumstances, strengthening the analysis and marketing of the consumer credit market, building individual credit system, improving efficiency with better service, and controlling credit risks
本文通過比較分析國內外消費信貸的發展環境、發展狀況，借鑒國外相關經驗，從改善國內消費信貸開展的環境；加強對消費信貸市場的研究分析和營銷工作；加強個人信用制度建設；發揮科技優勢，提高工作效率，提供優質服務；防範和轉移消費信貸風險等方面提出了若干發展我國消費信貸的建議和措施。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。Then the author choose samples from the listed companies which are customers of banks, and adopted an empirical approach by using the kmv model and logistic model
在銀行與企業的借貸交易中，銀行處于信息劣勢，企業比銀行更了解自身的經營能力、管理水平以及借款項目的風險特徵。A utility maximization model of the investment portfolio including risk - free asset is put forward, with short sales allowed
摘要提出了在允許賣空情況下含有無風險資產且借貸利率不同的效用最大化的投資組合模型。The securities firm shall approve a line of credit to a customer based on the result of a credit check against such customer, and furnish a risk disclosure statement disclosing therein the risks associated with securities lending transactions
證券商應依客戶徵信結果，核定其客戶得借貸額度，並提供風險預告書，揭露有價證券借貸交易之可能風險。Inquiry can be made through the personal credit information database only with the authorization in writing by the person involved when personal loan application or credit card application is being reviewed, offer of guarantee by an individual assessed, or personal loan or credit card monitored for credit risks on a continued basis
建立個人信用信息基礎數據庫既要實現商業銀行之間信息共享，方便群眾借貸，防範信貸風險；又要保護個人隱私和信息安全，只能經當事人書面授權，在審核個人貸款、信用卡申請或審核是否接受個人作為擔保人等個人信貸業務，以及對已發放的個人貸款及信用卡進行信用風險跟蹤管理，才能查詢個人信用信息基礎數據庫。Banks therefore seek additional ways to protect themselves - through prudent credit risk management - by, for example, requiring security for the loans
因此，銀行會透過審慎的信貸風險管理來保障本身的利益，例如銀行會要求借款人提供抵押品。In concrete, from the perspective of capital demand, it analyses the financial characteristics of the enterprises classified by their industries, stages of development and scales. from the perspective of capital supply, it did researches in the various financial channels of lending capital, venture capital, private loans, capital market and self - owned capital
具體而言，從資金需求角度對按行業、按成長階段、按規模劃分的企業的融資特點進行分析；從資金的供給角度對信貸資金、風險資金、私人借款、資本市場、自有資金等不同融資渠道的資金進行調查研究。The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate
論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。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。The currently established personal housing loan types include personal dwelling housing commercial loan, personal commercial housing loan, personal housing accumulation fund loan, personal housing combination loan, out place in the country dweller housing loan, personal housing loan provided for bidding house purchaser, personal housing loan with secondary transaction, personal housing transfer loan and so forth. in addition, there are personal housing loans supporting the “ live with comfort project ”, “ economical and applicable house ”, “ 21st century well - off housing example village project ”
總結了現階段我國住房消費市場存在的主要問題表現在:借款方對于房價的承受能力不足;居民的超前消費意識較弱;開發貸款與消費貸款相脫節;缺乏風險轉移機制;借款方和貸款方的信息不對稱;現行的住房公積金制度尚未完善;房地產開發項目存在開發商陷阱等方面。Most of the money these banks lend is for risky investments
這些地下錢莊大部分的資金借貸給高風險的投資。Chapter three. credit risk management and ias in state - owned commercial bank. credit risk is the possibility that borrower ca n ' t give back the loan to bank abiding by contracts
第三章國有商業銀行信貸風險管理與獨立審計制度信貸風險是指借款人不能按約償還貸款的可能性。Personal credit institution results in lowering the transaction cost of consumer credit, and provides the commercial banks for developing consumer credit with the institution condition for assessing the borrowers, exerting credit monitor and controlling the risk of the consumer credit through the sharing mechanism of the personal credit information and the punishing mechanism of it to the defaulter
個人信用制度的作用在於降低消費信貸交易成本，並通過個人信用信息共享機制和對違約者的懲戒機制，為商業銀行發展消費信貸提供評估借款人、實施信貸監管和控制消費信貸風險的制度基礎。It uses factor analysis method and dualistic relative comparative method to account the ability place of a loan enterprise in its industry, which can confirm the station in its industry better. by using time series model to forecast an enterprise ' s cash flow in the future, we can measure the repayment ability of an enterprise. by using logit model to account the probability of default for a loan enterprise, we can estimate the possibility of its default
運用因子分析法和二元相對比較法計算貸款企業在本行業中的財務能力排名，更好地確定其在本行業中的地位；運用時間序列模型預測企業未來的現金流量，從而測度貸款企業未來的還款能力；運用logit模型計算貸款企業的違約概率，估計其違約的可能性；從貸款企業的行業風險、經營風險、管理風險、借款人還款意願等方面對貸款企業的非財務因素進行分析。The survey has also shown that the banks have adopted appropriate underwriting criteria to address the project completion risk, borrower default risk and liquidity risk of equitable mortgage loans
該調查發現銀行已採取適當的貸款準則，以處理樓花按揭涉及的項目完成風險借款人信貸風險及樓宇買賣流動性風險。分享友人