bad assets 中文意思是什麼
bad assets
解釋
不良資產-
Intrust - layering - discussion on securitization approach of bank ' s bad assets
銀行不良資產證券化途徑探析 -
And relevant expert think bad assets particularly like " ice - roily ", hold among hand the longer time have, melting the more, there is the lower value now
而有關專家認為不良資產尤如『冰棍』 ，握在手中的時間越長，融化得越多，現有價值越低。 -
So, in order to deal with the challenge from foreign banks, our country ' s commercial bank must pace up the disposition of the bad assets, and activate the credit asset in the same time buil d up the mechanism to prevent the new credit capital becoming bad asset
要應對資產優良的外資銀行的挑戰，必須加快不良貸款的處置，盤活銀行信貸資產。同時，應建立起有效制約新增貸款成為不良貸款的機制。 -
Company through the acquisition, management and disposal of the bad assets of state - owned commercial banks stripping to guard against and defuse financial risks, and deepening the reform of the financial system and enhance the international competitiveness of state - owned commercial banks is of great significance
公司通過收購、管理和處置國有商業銀行剝離的不良資產，對防範和化解金融風險，深化金融體制改革和增強國有商業銀行的國際競爭力具有十分重要的意義。 -
Moreover, it compares the state - owed commercial bank with big 1000 banks in the world, the branches of foreign capital bank in china and the main commercial banks of a few developed countries and puts forward the advantages and deficiencies in realistic competitive power and potential competitive power of state - owed commercial bank of our country. through the study on evolving course of the state - owed commercial bank of our country, the thesis has analysed it ' s history of the development and current situation, and has made a detailed analysis and evaluation of the environmental factors which have influence upon the core competitive power of the state - owed commercial bank, and then offered seven suggestions that promote the core competitive power of the state - run commercial bank : accelerating paces of the reform in the property right and managing mechanism transformation of the state - owed commercial bank ; making innovations of service for strength and competing for high - quality customers ; probing the ways of dealing with bad assets of the state - owed commercial bank ; improving the marketing strategy of the state - owed commercial bank on the market ; setting up the corporate culture according with the state - owed commercial bank ; improving the bankers " quality ; constructing the organization for the studying type in the state - owed commercial bank
本文在深入調查研究並閱讀大量的文獻資料的基礎上，對企業核心競爭能力相關理論進行了探討和研究；構建了國有商業銀行核心競爭能力分析的基本框架和指標體系；將國有商業銀行與世界1000家大銀行、在華外資銀行分支機構、以及幾個主要發達國家的主要商業銀行進行了比較分析，從而提出我國國有商業銀行在現實競爭能力、潛在競爭能力方面的優勢與不足；通過對我國國有商業銀行的演變過程的研究，分析了其發展的歷史和現狀，並對影響國有商業銀行核心競爭能力的環境因素進行了較為詳細的分析和評價；進而有針對性的提出了提升國有商業銀行核心競爭能力的七點對策：加快國有商業銀行產權改革和經營機制轉換步伐；加強服務創新，競爭優質客戶；探索國有商業銀行不良資產處理途徑；完善國有商業銀行市場營銷戰略；建立符合國有商業銀行的企業文化；提高銀行家的素質；構建國有商業銀行學習型組織。 -
Modern economy is credit economy, but breaking credit is a quite serious problem which have been in existence in our economy for a long time. such phenomena as fake or inferior quality commodity, breach of contract and business fraud are very popular, chain debts and bad assets occur time after time, all kinds of economic crimes are on the rise in successive years
現代經濟是信用經濟，但我國經濟領域卻長期存在著比較嚴重的失信現象，社會各個領域的信用缺失現象十分普遍，假冒偽劣產品充斥市場，合同違約、商業欺詐隨處可見;三角債拖欠款和銀行不良債權反復出現，各種經濟犯罪連年增加、日趨嚴重。 -
The accumulation of bad assets in policy banks and the way to resolve
政策性銀行不良資產的形成及化解 -
Disposing the bad assets of banks and the operating of asset management corporation ( amc ), it must obey the rule : marketlization
銀行不良資產的處置及資產管理公司運作的總原則是，不能暗箱操作，而應該是市場化。 -
The second parts introduced methods to disposing bad assets, these methods are not marketlization, and the key to use these methods is the process
在我國不良資產收購採用非市場化的方法的前提下，不良資產處置過程的市場化及不良資產處置過程的監管便顯得尤其重要。 -
Another month, another bank in trouble, another raised estimate of bad assets in the financial system, and another move by the central bank to try and contain the problem : to observers in japan, america ' s spreading credit crunch has an eerily familiar ring
又一個月，又一家銀行陷入危機，又一次金融系統中不良資產估值上升，並且央行又一次試圖化解危機：對日本的觀察家們來說，美國這次牽連極廣的信用危機似曾相識。 -
On the other hand, according to the demonstration, listing the state - owned banks is not a smooth way, and after listing the state - owned banks will probably face the problem of sbc and bad assets
其次，國有銀行上市並非坦途大道，國有銀行上市后仍可能面臨軟預算約束，不良資產問題仍可能困擾國有上市銀行。 -
" resolution for some and important problem of state - owned business reform and development. " that had been passed in the fourth whole meet of 15th boundary of the party for the problem of state - owned business obligation to propose the new way of thinking " state - owned bank wedges into concentrating to handle the bad assets, for the part of state - owned business whose products having the market, who having evolving the foreground, who subject to indebtedness the over weight but sink into the hell in order to settle business indebtedness rate super higher.
黨的十五界四中全會通過的《關于國有企業改革和發展若干重大問題的決議》對國有企業債務問題提出了新的思路「結合國有銀行集中處理不良資產的改革，對一部分產品有市場，有發展前景，由於負債過重而陷入困境的重點國有企業實行債轉股解決企業負債率過高的問題。 」 -
( 6 ) based on china ' s situation, it raises up 9 proposals on resolving bad assets, it also put forward 3 suggestions on reforming the structure of property right, such as market launching of single - capitalized merchant banks, placing of equity shares to non - stated owned units, transferring equity shares to foreign investors, etc. this article attaches great importance to the instructional and feasible features of the research, its approaches and methods possesses substantial results
針對中國的實際情況提出了化解不良資產的九項政策建議，及對國有獨資商業銀行進行上市、向國內非國有部門出售股權，向國外投資者轉讓股權等三項產權結構改革的建議。在研究過程中注重對實踐的指導性和應用性，提出的方法和手段具有較強的實效。 -
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。 -
Once the debit side break the loan contract that the commercial will bring bad assets, lead to loss and erode the capital of bank
借款人違約將直接導致商業銀行產生不良貸款，造成信用資產損失，並侵蝕銀行的資本金。 -
Though bank bad assets strip and come out already, handle bad beset with difficulties assets these, it is not as simple as conceptual design originally one to be far
雖然銀行不良資產已經剝離出來，但是，處置這些不良資產卻困難重重，遠不象當初方案設計的那樣簡單。 -
These include, among other things, the establishment of asset management companies to carve out the bad assets inherited from the days of policy lending. they also include the full introduction of commercial principles and market - based credit policies, and improvements in accounting standards
改革項目包括成立資產管理公司，以處理過去政策貸款遺留下來的壞資產，還有全面引入商業原則和以市場為本的信貸政策，並改進會計標準。 -
Commercial bank ' s market - oriented management and bad assets ' dissolving
基於層次分析的不良債權資產價值評估模型 -
This thesis aims at the reason why the bad assets of state - owned commercial banks are formed as well as the method and necessity of further improving the management, and predictively renders the new mode and new system on centralized management of the bad assets of state - owned commercial banks through analyzing the problems in traditional management mode under new situation, and in combination with the actual situation of the management of bad assets of state - owned commercial banks
本文從國有商業銀行不良資產形成的原因及對其進一步改進管理方式和提高管理水平的必要性入手，通過對新形勢下傳統管理模式弊端的分析，結合國有商業銀行不良資產管理的實際情況，前瞻性地提出了對國有商業銀行不良資產進行集中管理的新模式、新制度。 -
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貸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「負債的有限責任效應」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貸市場「信貸緊縮-不良貸款」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）紛紛採用掠奪性定價策略，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，產品市場和信貸市場形成了通貨緊縮和銀行「惜貸」惡性循環的狀況。產品市場上部分行業生產能力嚴重過剩，且由於體制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「惜貸」的惡性循環。
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