bad loan 中文意思是什麼
bad loan
解釋
呆帳, 壞帳-
Bad account dead account uncollectible account bad debt bad loan
壞帳呆帳死帳 -
At present, china ' s bank especially the state - owned bank ' s bad loan amount is very big, and its rate is preponderate over those where financial crisis happened. it seriously threaten the normal development of our country ' s economic and the stability of our society, and become a heavy burden of the national economy
目前，我國銀行、特別是國有銀行不良貸款居高不下，其比例甚至超過某些發生過金融危機國家銀行的比例，嚴重威脅著我國經濟的正常發展和整個社會的安全穩定，成為國家經濟的一個沉重包袱，因此化解不良貸款是中國經濟與金融體系非常重大的一個課題。 -
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。 -
Unqualified capital index, high liquidity debt ratio, high bad loan ratio and weak adaptive ability can induce liquidity risk
資本金充足率不達標、流動性負債比例過高、不良貸款比率居高不下、對宏觀環境變化應變能力不足都有可能誘發流動性風險。 -
That is why countries like china have poured fortunes into bailing out banks when they have run into bad - loan problems
這樣你就會理解為什麼在銀行遇到壞賬問題時，像中國這樣的國家，會不惜血本，鼎力相助。 -
This thesis, taking fund operation as a study object, zeroes on economic situation resulting in the problems of fund operation in life insurance company such as falling interest rate, unripe financial market, irrational macro economic environment, lack of talents, oligopoly in life insurance industry and bad loan in history in life insurance company
長期以來壽險資金的主要運用途徑之一是銀行存款和國債，占總投資資金70左右，銀行存款、國債都是利率敏感性產品。從1996開始我國銀行利率已連續下調8次，一年期利率從10 . 98降到2002年的1 . 98 ，隨著銀行利率的下調，國債利率同步調整，致使壽險資金的利息收入和投資收益大減。 -
The soft budge constraint and bad loan mechanism among state - owned commercial banks
預算軟約束與國有商業銀行不良貸款形成的機制 -
Through analyzing this bang ' s financial ratio index and the factors which affect its liquidity, we think that the bank ' s present cash ratio, liquidity ratio, deposit and credit ratio, the total credit amount to total asset ratio, bad loan ratio can all meet the requirements of the concerning laws and regulations and they all going toward well directions
通過對影響湘潭建行流動性因素和財務比率指標的分析，我們認為該行目前的現金比率、流動比率、存貸比率、貸款總額與總資產之比，或能滿足有關規定、或在向好的方向發展，且市場信息狀況較好。 -
The outsiders did most damage by causing local banks ' non - interest income to decline and their bad - loan provisions to rise
外來銀行使地方銀行的非利息收入減少而壞帳準備增加，是對本地銀行造成的最大傷害。 -
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。 -
Along with our country business equities relation of gradually clear and the country business reform into deep, the horizon of the country enterprise indebtedness is more and more higher ; at the same time, the bad loan quantity that state - owned trade bank is concerned with is up in the scale. these subjects more and more suffer china people with the concern of the world people, and as well the obstruction of our country ' s reform of fineness in - depth as the baffling of our country economic development
現在呈現出來的是些最困難的問題。隨著我國企業產權關系的逐步清晰，國企改革的深入，國企負債水平越來越高；同時，國有商業銀行的不良貸款的數量也在升高。這些問題越來越受到國人以至世界人民的關注，並且也成了阻礙我國經濟發展和我國改革深入的障礙。 -
China asset management is working on 430 billion, japan is working on 430 billion bad loan, taiwan banks write off 0. 3 trillion bad loan last year and 0. 2 trillion the first half this year. asset management bought the bad loan working hard to recover the loan loss through auction, securitization all facing tough time in current turbulent financial markets. while the existing banking industry sold the old bad loan to asset management co or write off the old loan are facing new bad loan
七月11 - 12日應ibc之邀在倫敦之歐洲對沖避險基金策略大會以其三十年國際金融股市資產及衍生工具價格及證卷化對沖風險避險基金風險管理演講將應新華財經之邀於9月25 - 26日擔任北京對國際及ibcasia舉辦之國際資本市場及中國指數研討會大會主席並舉辦兩日國際股市價格及股價指數操作模擬分析及 -
Bank of japan just announced to buy 50 billion dollars stocks hold by top 10 banks bad loan
七貨幣政策股市財富效應對中美臺金融銀行呆帳及共同基金股價 -
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。 -
Soft budget constraint ( sbc ) which means central planner must commit to save the companies who had been caught in financial constraint, including events such as hindering the reorganization of bankrupt firms, subsidizing deficit enterprises continually, prolonging the deadline of bad loan and even refunding them, has been the symbol of transition economies, not to say china
處在轉型過程中的中國經濟不可避免地具有預算軟約束這一轉型經濟的通病，即計劃者不能承諾不去解救虧損企業，擴展開來就包括阻礙虧損企業實施結構重組、持續補貼虧損企業以及對不良貸款的展期和再融資等。 -
This paper introduces the previous and current situation of credit assets business in bank of china, one of the four state - owned commercial banks in china, and analyzes the causes of bad loan, thus it draws a conclusion that the essential way to improve the credit assets structure and solve the problems of bad loan is to build and consummate the modern enterprise system and realizes the management control of credit assets business
本文通過對四大國有商業銀行之? ? ?中國銀行信貸資產業務的發展歷程、現狀、不良信貸資產的成因分析，提出優化信貸資產結構，解決不良信貸資產質量問題的根本途徑是國有商業銀行建立和完善現代企業制度，實現信貸資產業務的過程管理。 -
It should be noted that the inefficient residential deposit and high - level financial deepening caused but bad loan must be costly. apart from the negative effect to residential income growth, the bad loan problem became an obstacle of bankir em reform
值得注意的是，在低效率配置下的居民儲蓄和不良貸款所引起的相當高的中國金融深化一定有代價，除了對居民收入增長產生負面效應以外，不良貸款問題成為銀行體系改革的障礙。 -
With a thorough and systematic research on the projects of our state - owned enterprises debt - in - lieu - equity, drawing the conclusion as follows : the general principles and the international practices of debt - in - lieu - equity offer some beneficial references and inspirations to our country, when it deals with the problems of bad loan - liability occurring between the state - owned banks and state - owned enterprises
本研究的結論如下： （ 1 ）債轉股的一般原理及國際實踐為我國處理國有銀企間的不良債權債務問題提供了有益的借鑒和啟示。債轉股的一般原理及20世紀80年代國際上一些國家利用債轉股成功解決不良債權債務問題的實踐，為我國不良債權債務問題的處理提供了一種思路。 -
On state commercial bank bad loan equity ' s listing
淺析國有商業銀行不良貸款資產證券化 -
The rate of bad loan up to 25 %, it hit the banking system in china
不良貸款率超過了25 ，已經嚴重影響銀行的正常經營。
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