高信貸風險 的英文怎麼說
中文拼音 [gāoxìndàifēngxiǎn]
高信貸風險
英文
high credit risks-
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。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。After years of [ color = red ] loose money [ / color ] in financial markets, some observers think the mortgage morass could cause investors to rethink their attitude to other forms of credit risk, such as high - yield bonds
一些觀察家認為，金融市場經過多年的頭寸松之後，房貸泥潭可能會使投資者重新思考他們對其他信用風險形式的態度，比如高收益債券。In recent years the banks of our country generally adopted rigid pledge credit rationing to small and medium - sized business with on information publication and high credit risk in order to avoid treaty violation risk caused by bad credit, and smb ' s entrance to credit market is restricted because of insufficient pledge assets
摘要近年來我國銀行為避免企業信用狀況不良導致的違約風險問題，對信息不透明、信用風險高的中小企業普遍採取嚴格的抵押品型信貸配給，而中小企業介入信貸市場普遍受到抵押資產不足的約束。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。With the hkmcs top credit standing in hong kong, solid financial performance and prudent risk management framework, the corporation is well positioned to share its expertise and contribute to market development in the region. this will reinforce hong kongs financial intermediation role in the region and its position as an international financial centre
按揭證券公司在香港藉著擁有最高信貸評級，穩健財務表現，以及嚴謹風險管理模式，已於亞太區內被定位為一所能提供專門知識及為市場發展作出貢獻之機構，這亦有助加強香港本身作為國際金融中心的地位，以及香港作為區內資金融通者的角色。So it is important to research how to manage the risk of consumption credit of commercial bank in our country. the construction of this paper as follows : chapter 1, general introduction of consumption credit and its current situation in our country ; chapter 2, analyze the type of the risks and the current risk situation in our country ; chapter 3, analyze the reason of causing the consumption credit risk ; chapter 4 and chapter 5, put forward the main thinking of manage the consumption credit risk, including standardize the internal management of commercial bank and establish a better social circumstance
其主要原因一方面是由於消費信貸在我國起步較晚，各種規章及配套措施尚不健全，並且我國個人信用體系缺乏，消費者的信用意識薄弱，造成消費貸款中大量的違約情況產生，而由於失信者的違約成本很低，就進一步的惡化了消費信貸的環境;另一方面，商業銀行本身風險管理水平不高，內控制度不完善，導致對消費信貸風險管理的不到位，也是使商業銀行消費信貸業務風險加大的原因。This scientific approach makes the bankers the masters of the risk of consumer credit, and then provides the bankers for management strategy in operation on consumer credit with the precise risk - standard or the precise risk - horizon
這種方法提高了消費信貸風險管理的科學性，使銀行家對消費信貸風險有一個比較明確的掌握，從而可以為銀行家的決策提供明確的風險標準或警戒線。It may not only benefit for the improvement of credit risk management in banks, but also can reduce the revenue risk in loan
這有利於銀行提高信用風險管理水平，降低銀行在信貸過程中的收益風險不對稱。Asset securitization, which transfers inflexible loans into security through operation outside asset - debt form, could increase credit capital ' s flowablity, improve capital adequacy ratio, decentralize financial risk and handle bad assets
資產證券化的現實意義在於，通過表外處理，把不具有流動性的貸款轉化為證券，可以提高信貸資產的流動性，提高資本充足率，分散金融風險，處置不良資產。This article aims to find some practical methods to reform and optimize credit risk management structure of state - owned commercial banks. during my research process, i collected abundant relevant materials, combed the materials to abstract main clue, and also did powerful analysis with case demonstration, all of which will be reflected in the main body of this article. this article can be divided into three correlated parts : in the first one, it reviews the evolution history of the loan credit risk management of the four state - owned commercial banks, which rationally leads to the discussion of the loan credit risk management reform in the following part
正文希望提供關于國有商業銀行貸款信用風險管理的較為全面的觀察視野，並致力於勾勒清晰的沿革路線和遵循嚴密的論證邏輯，為此，本文分為三部分進行論述:首先本文梳理概括我國國有商業銀行貸款信用風險管理的歷史沿革狀況，提供有關國有商業銀行貸款信用風險問題的基礎信息，簡要分析國有商業銀行龐大不良貸款和畸高不良貸款比率的歷史成因，探討了近幾年以來貸款信用風險管理改革舉措與成效，以清晰說明貸款信用風險管理改革的時代背景和歷史軌跡，為進一步論證奠立事實根基和案例基礎。High credit risks
高信貸風險The goal of the management of credit risk is to obtain the supreme risk adjustment incomes by controlling the credit risk in an acceptable range
信貸風險管理的目標是通過將信貸風險限制在可以接受的范圍內而獲得最高的風險調整收益。Contradiction between loan credit risk management and loan business development becomes more serious ; 2. the internal rating - based system is far from completion, so loan credit risk management is not efficient enough yet. 3
1999年以前我國國有商業銀行貸款信用風險具有「雙高」 、 「兩低」 （即高不良貸款余額，高不良貸款率;低收息率，低撥備覆蓋率）的典型特徵。In addition, national commercial bank can improve the efficiency of collecting and transferring and power of screening through regulating of credit personnel and innovation of organize and management, it will be achieved to reduce the credit risk and to improve efficiency of resource ordinance in credit market
另外，國有商業銀行也可以通過信貸人員的結構調整、組織管理上的創新等，提高信息的收集與傳遞的效率和甄別的能力。從而達到降低貸款的信用風險以及提高貸款市場資源配置的效率的目的。On the basis of the reasons for credit risks of the state - owned commercial banks being analyzed, this paper points out that high non - performing loans rate is due to the lack of effective macro and microcosmic systems in china
在分析我國商業銀行信用風險形成原因的基礎上，指出經濟轉軌過程中宏觀和微觀的有效制度的雙重缺失是造成商業銀行不良貸款率居高不下的根本原因。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。For the banks involved, the back - to - back structure allows them to keep a substantial portion of the cashflow from mortgages while reducing the credit risk and capital cost and substantially improving the quality of their mortgage assets
對參與銀行來說，背對背結構讓它們在保留來自按揭貸款的大部分現金收入之餘，又能減低信貸風險和資本成本，以及大為提高其按揭資產質素。Finally, through defining credit mark criterion and devising credit mark model, controlled individual consumption credit risk, furthermore put forward counter - measures to keeping lookout and removing consumption credit risk
與生產信貸相比，管理的復雜程度更高，因此，需要針對個人消費信貸建立一套風險防範體系，有效防範和化解個人消費信貸風險。I am therefore pleased to see that the hong kong mortgage corporation has last week come up with a market - driven solution that will help mortgage borrowers in negative equity to refinance at a lower mortgage rate and the banks to manage the credit risk of their mortgage portfolios
因此，我很高興見到香港按揭證券有限公司在上星期推出一個市場主導的方案，以協助負資產按揭借款人按較低的利率轉按，及協助銀行管理其按揭組合的信貸風險。分享友人