高信貸質量 的英文怎麼說
中文拼音 [gāoxìndàizhíliáng]
高信貸質量
英文
high credit quality-
The commercial bank housing loan has the superiority in improving credit assets ’ quality comparing with other credit varieties, which is the basic reason that various commercial bank enlarges the investment in abundance at present, fighting for the housing market with all one ' s strength
商業銀行住房貸款在改善信貸資產質量和提高收益等方面與其他信貸品種相比，具有難以比擬的優勢，這是目前各家商業銀行紛紛加大投入、全力拚搶住房市場的基本原因。Expounds the five main aspect of risk in national commercial bank, i. e. signal liability structure, bad loan quality, low capital efficiency, imperfect restriction on interior power, thin consciousness on risk avoidance ; summarizes five characters of the bank risks, including risk concentration, moral risk, risks caused by system structure, inequi ty between bank risks and revenues, aggrandizement trend of bank risks ; analysis eight reasons for bank risks, including proprietary ownership voidance, macroeconomic fluctuation, ineffective capita ] buffer mechanism, enterprise reasons. no synchronous fiscal investment and financial reform, incompetence law and regulation enforcement. chapter4 argues the opportunities and challenges of the financial globalization and requirement for bank risk managem ent. chapters suggests the methods for the risk management of national commercial bank
緊接著在第三章闡述了我國國有商業銀行風險的「五大表現」 ，即負債結構單一、信貸資產質量差、資本充足率低、內部控制機制薄弱、防範風險的意識淡薄；總結了我國國有商業銀行風險的「五大特點」 ，即風險高度集中、風險人為匿藏、風險的體制性、風險與收益嚴重不對稱、風險呈繼續擴大態勢；剖析了我國國有商業銀行風險形成的「八大因素」 ，即金融產權「人格」虛設、宏觀經濟波動、資本金等緩沖機制不健全、財政、投資和金融的體制改革不配套、法律和法規不健全等。These loans carry lower than average credit quality but alos pay higher interest rates
這些貸款所帶來的信貸質量低於平均值，但支付的利率卻要高些。Secondly, actions between banks and enterprises in china ' s credit market and the motivation of banks " deregulation are deeply analyzed by the means of the game theory. thirdly, the thesis studies how systematic factors in china aggravate the information asymmetry in the credit market from the aspects of property right, financial supervision and information announcement. at last, suggestions on how to dissolve the bank credi t risk and prevent non - performing banking assets increasing are put forward in the aspects of improvement of information symmetry, establishment of incentive and constraint mechanism and elimination of systematic factors which aggravate the information asymmetry
首先，論文分析了我國信貸活動中的信息不對稱所產生的逆向選擇與道德風險對銀行資產質量的影響；其次，作者運用博弈論方法對我國信貸市場中銀行與企業的博弈行為以及銀行違規的動力進行了深入地分析；接著，論文又從產權、金融監管和信息披露這三個方面研究了我國的體制性因素如何加劇信貸市場的信息不對稱問題；最後，論文從提高信貸市場的信息對稱度、建立有效的激勵約束機制以及消除加劇信息不對稱的體制性因素這三個方面對化解我國銀行信貸風險、防範銀行不良資產的新增提出了建議。Banks also favor personal real estate loan, which is characterized by low risk and high yield, for it ban help banks to adjust credit structures and improve assets quality
個人住房貸款因低風險、高收益的特性而成為銀行調整自身信貸結構、提高資產質量的新寵而倍受青睞。With the special operation bank mechanism, china banks always are characterized as credit - index focusing and quantity - adding focusing, ignoring internal management and quality - improvement
長期以來，在特有的運行機制下，我國銀行業逐漸形成了重信貸指標、輕內部管理，重數量增長、輕質量提高的經營特點。Difficulties and countermeasures of improving commercial bank credit asset quality
淺談商業銀行提高信貸資產質量的難點和對策Compared with foreign banks, the assets quality of bank credit is low and the risk is too high
與國外的銀行比，我國銀行信貸資產質量低下，風險過高已是不爭的事實。It can control the total quantity of supply and demand and keep the balance of total supply and total demand. it also controls the structure of supply and demand, advance the industrial structure. it can push the growth of economy and help people get job, improve consumption quality and develop people in all way
通過消費信貸，使潛在消費需求變為有效需求，不僅可以調節消費品供求總量，保持總供給與總需求的平衡，而且可以調節供求結構，促進產業結構的升級和優化，推動經濟增長，擴大勞動力就業，提高消費層次，提高消費質量，促進人的全面發展。High credit quality
高信貸質量A deterioration in corporate credit quality, and in particular the credit quality of the monoline insurers, now raises the likelihood of institutional defaults, counterparty failure and some sizeable dominoes toppling ? possibly several hundred billion dollars ' worth of them
當前，公司信貸質量惡化，尤其是單一業務保險公司信貸質量惡化，增加了機構違約、對手違約以及出現某種大規模多米諾骨牌效應的可能性? ?其規模可能高達幾千億美元。These loans carry lower than average credit quality but also pay higher interest rates
這些貸款比普通信貸的質量低但也要支付更高的利率。These loans carry lower than average credit quality, but also pay higher interest rates
這些貸款比信用貸款的平均質量更低，但是付的利息也更高。Secondly, the article deeply analyzes the process of the credit risk control and find out the cause of formation of credit risk and the problems with credit risk control and management form aspects as follows : client structure about credit, related motivation measures, process of operation of credit, pre - loan investigation, checkup for loan, loan operation examination, and management of current non - performing loans. the article then offers solutions for how to guard against and defuse the credit risk regarding the existing problems, so that we can improve the credit asset quality of xx sub - branch and strengthen the credit risk control. ultimately, the article discusses the systematical risk caused by macro - economical environment with which state - owned commercial banks are trying to cope and the prospects for improving macro - environment
筆者首先通過對xx支行的信貸資產質量、和不良貸款率等幾個方面的分析，揭示了該支行信貸風險的現狀，指出有效的控制信貸風險對該支行來說是一個十分重要而迫切的問題;其次對xx支行在信貸風險控制過程中的諸多環節進行深入剖析，找出該支行信貸風險的成因以及信貸風險管理和控制中存在和暴露的問題，著重從以下幾個方面進行分析:信貸客戶結構、相關的激勵措施、信貸業務操作流程、貸前調查、貸后檢查、以及目前不良貸款的管理;然後針對存在的問題，逐一提出了化解、防範信貸風險的對策，以提高該支行的整體信貸資產質量，鞏固和強化該支行的信貸風險防範和控制;最後從宏觀的角度，淺談了國有商業銀行應對宏觀經濟環境導致的系統風險的思路以及改善宏觀環境的展望。Consumer credit is affecting the macro - economy in two dimensions : on one hand, it increases consumer demand and raises living standard ; on the other hand, it boosts product sales and stimulates economic growth
從宏觀考察，消費信貸對經濟增長具有雙重作用，一方面通過增加消費品需求，促進個人和家庭生活質量的提高，擴大內需；另一方面，通過促進產品銷售，刺激經濟，帶動經濟增長。To obtain loans with subsidized interest, the enterprises must submit their programs and the state economic and trade commission, together with the related departments screened the programs strictly according to the requirements on quality, variety, benefit and export expansion and focusing on metallurgical, textile, petrochemical, nonferrous metal, machinery, information, papermaking and other industries and environment protection, new and high - tech technological industrialization, selecting the outstanding and supporting the stronger, and inclining to the old industrial bases such as the northeast china and the middle and western areas appropriately
這次技改貸款貼息的使用，由企業提出項目，國家經貿委會同有關部門，嚴格按照質量、品種、效益和擴大出口的要求，以冶金、紡織、石化、有色、機械、信息、造紙等行業和環境保護、高新技術產業化為重點，對項目進行篩選，擇優扶強，並適當向東北等老工業基地和中西部地區傾斜。Thus, the bank should do well i n the liquidity planning management and the clients " loan requirement prediction ; strengthen the credit management and improve the credit capital quality ; adjust the capital structure, enhance the capital liquidity ; develop middle business and the business out of the asset and liability sheets by financial innovation ; strengthen the high level of civilization services ; intensify the research towards the marketable interest ratio and prevent the liquidity risk caused by the changing of interest rate
為此，該行應該做好流動性計劃管理，作好客戶流動性需求的預測；加強貸款管理，提高信貸資產質量；調整資產結構，增加資產流動性；通過金融創新，大力發展中間業務和表外業務；加強優質文明服務；加強對利率市場化的研究，防止利率變化引發的流動性風險。Our commercial banks, especially the state - owned banks, have so lowly qualitative credit assets and highly bad loan ratio that credit risk becomes the biggest financial risk of our country
我國商業銀行尤其是國有銀行信貸資產質量低下，不良貸款比率一直居高不下，銀行信用風險成為我國金融風險的最大隱患。Besides, the market information status is well and the bank ' s liquidity management is generally well. however, there is some risk factors : the capital structure of " short deposit and long credit " is serious ; the quality of credit capital is difference ; the middle business is not developed well and the marketable interest ratio has brought bad factors to the bank ' s liquidity management
因此該行流動性管理總體上趨好，但有一些潛在的風險因素： 「存短貸長」的資產負債結構較為嚴重；信貸資產質量不高；中間業務開展不甚理想；利率市場化對該行的流動性管理帶來了不確定因素等。According to many actual problems, for instance, bad credit asset, the speculation of credit market etc, from the angle of asymmetric information, the thesis adapt the methods of information economics to the creation and cause of asymmetric information of credit market, the problems and deficiency of credit position and the relationship between asymmetric information and credit position. finally, draw a conclusion that the level of asymmetric information is the objective foundation of credit position and find a new way to decide credit position scientificly, reasonably and correctly. the thesis adapts asymmetric information to the analysis and comparison of problems of credit position
本文運用信息經濟學的分析方法，針對我國商業銀行普遍存在的資產質量不高、信貸市場投機性強，信貸介入選擇難以把握的現實問題，從信息不對稱的角度入手，深入分析了信貸市場中信息不對稱的產生及其原因，深刻闡述了信息不對稱對我國信貸市場的影響，以及當前我國商業銀行信貸定位中存在的問題與不足，最後得出了要以信息不對稱程度作為信貸定位的重要客觀依據的結論，從而為我國商業銀行如何科學、合理、準確進行信貸定位探索了一條新的途徑。分享友人