bad loans 中文意思是什麼
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Until at least 1994, regulators actively colluded with banks to hide the scale of bad loans
到至少1994年，監管部門還積極竄通銀行隱藏壞賬的規模。 -
The stock of bank debt and hence the risks of bad loans may therefore still be large
因此銀行貸款量及因此引發的壞賬風險依然很大。 -
In addition, bad loans to state - run enterprises which deficit are common, incomplete bank system and regulation, lacking of credit and law force, composed other critical factors of lowering efficiency on china ' s state - run bank. in the mean time, foreign banks and financial organization are enlarging their scale and business scopes in china. with the advantages on scale, system, management, information processing, policy, they will launch tremendous impact and challenges to chinese counterparts shortly after wto agreement is signed
而與此同時，進入我國的外資銀行和金融機構在經營規模和業務范圍上正不斷擴大，並將利用它在規模、體制、管理、信息數據處理和咨洵服務、中間業務、政策法規、用人機制上的優勢，于中國加入wto的今後幾年內對我國銀行業構成全方位的沖擊和挑戰。 -
For the sake of enhancing competitiveness in world trade organization, commercial banks need to position themselves correctly, raise their technique level, improve financial innovation, develop intermediate business, establish scientific human resource mechanism. all these measures rely on preventing further increase of non - performing loans and gradual resolve of historical bad loans. only with fewer burdens of bad loans, can the commercial banks enhance their competitiveness
因此，中國加入wto后，提高城市商業銀行綜合競爭力不但要採取準確的市場定位、提高金融技術含量、促進金融創新、大力發展中間業務、制定科學的人才管理體系等金融策略，而且更需要尋找降低不良資產增長率和逐步消除存量不良資產的金融策略，才能使城市商業銀行輕裝上陣，提高資產營運效率，從根本上適應激烈的市場競爭。 -
With the increasing of bank " s bad loans, bank " s steady and safety have been directly damaged, it is one of the important cause of bank " s dangerous
銀行不良貸款的劇增已經成為了直接損害銀行穩健與安全，導致銀行危機的根源之一。 -
Therefore, the measures shall include learning the experience of foreign banks in corporate governance, pursuing the interest of shareholders in addition to protecting the depositors " asset safety, eliminate the systematic flaws firstly, secondly, it is to mould social credit, reinforced credit management, optimize credit increment ; meanwhile the bank should also learn the experience from abroad and use the model of three - level filtering for bad loans to combine the self - disposal and trusted - disposal methods in handling current non - performing loans
所以岳陽市商業銀行首先要借鑒國外商業銀行的公司治理結構模式，完善在追求股東利益優先的同時，將保護存款人利益的目標融入其中的外部監督模式的公司治理結構，消除不良資產增長過快的制度根源；其次是重塑社會信用、強化信貸管理，優化信貸增量；再次要借鑒國外商業銀行處置不良資產的經驗，制定自主處理和託管處理相結合的三級過濾的不良資產置換模式，消減現有存量，逐步消化存量不良資產。 -
Secondly, after analyzing the development of basle accord, the outcome was that : the supervision of capital adequacy was taken seriously in the world banking industry, it is undertaking with the effective internal control mechanism and the perfect supervisory system so as to safeguard banks from risks. thirdly, after the analysis of history, problems and reasons of capital adequacy to the state - owned commercial banks, there came ' the conclusion : the capital inadequacy of the state - owned commercial banks resulted from bad loans directly, and the key reason in depth was equity institution. lastly, there was advice for the improvement of supervision of capital adequacy to the state - owned commercial banks : there were two ways to raise the capital adequacy ratio
首先，鑒定銀行資本的內涵和資本充足性管制的重要性；其次，通過分析巴塞爾協議的演進，得到啟示：當今國際銀行業強調資本充足率管制，並配以有效的內部控制機制和完善的監管系統來防範金融風險；再次，分析國有商業銀行資本充足性管制的歷史、存在問題及原因，得出結論：國有商業銀行資本充足率不足的直接因素是不良資產，深層次的因素是產權制度；最後，對完善國有商業銀行資本充足性管制提出幾點建議：提高資本充足率除了增加分子、降低分母外，還要改革產權制度，建立有效的內部控制機制，加強風險防範，建立完整的信用評級系統。 -
So, it is a important task for study that how to deal with bank " s bad loans and protect financial risk
因此，如何處理銀行不良貸款問題，防範金融風險就成了各國銀行的一個重要研究課題。 -
This results in the huge bad loans accumulating in the system of state - owned banking and the destruction of stock market, which also make the chinese financing institution plunge into the state of high risk and low efficiency
二、我國的融資制度安排正陷入路徑鎖定的狀態而難以自拔。無論是以銀行主的間接融資制度還是以股票市場為主的直接融資制度，都主要是為國有經濟服務的，民營經濟基本被排斥在外。 -
However, with the reforms of economy and financial system, many drawbacks of abc, especially on the credit business, had emerged and threatening its existence and development. due to its inferior management system and the outside factors, there are a lot of bad loans in abc ' s credit business and this has greatly affected abc ' s development
農行信貸業務的操作、管理程序及其內控制度不夠完善，加上外部客觀因素的作用，導致了大量不良貸款的滋生、信貸資產質量低下、信貸結構失調，其體系內潛伏著極大的風險。 -
Around 10 per cent of new car sales in china are using loans, down from 30 per cent a year earlier, mainly because many chinese commercial banks have enhanced the threshold for auto financing and even halted business because of concerns about bad loans
這是首個中外汽車企業再合作推進混合動力和燃料電池技術商業化領域所簽署的系統化全方位框架性合作備忘錄。此協議旨在著眼中國汽車未來方展趨勢，以滿足市場對提高能源安全並減少污染的需求。 -
However, the guality of chinese commercial banks " loan is low, a part of which has become the banks " bad loans
然而，我國商業銀行貸款的質量較差，有相當一部分貸款已成為銀行的不良資產。 -
In examining the subject special finance scheme for small and medium enterprises, the committee notes that from mid - 1998 to the end of 1999, repeated concerns had been expressed by some bankers, the hong kong monetary authority, the treasury, and the financial services and the treasury bureau about the possible abuse of the scheme by the participating lending institutions plis through the offloading of bad loans onto the scheme
委員會在研究「中小型企業特別信貸計劃」一事時知悉，於1998年年中至1999年年底，部分銀行家香港金融管理局庫務署和財經事務及庫務局曾多次表示，他們憂慮參與計劃的貸款機構貸款機構可能會濫用該計劃來轉嫁壞帳。 -
Borrowing enterprises will take advantage of asymmetric information for their own benefit and pass the risks to banks, causing a great deal of bad loans in banks. one of the reasons that caused bad debts for banks is the imperfect corporate governance
在銀企關系中，借款方對自身信息的擁有量總是大於貸款方，借款企業會利用信息優勢為自己謀取利益而把風險轉嫁給銀行，導致的結果是銀行大量不良貸款的產生。 -
Because the company uses the “ direct money and products exchange ” sale method, which guarantee the company ' s capital return on time and current circuit system and avoid the risk of bad debt and dead debt risks, funon company obtains good financial status and runs well without bad loans and debts
由於實行銷售現款現貨制，有力地保證了資金及時回籠和公司現金流，完全規避了呆帳、壞帳風險，因此財務狀況良好，沒有任何不良債權債務，公司運轉十分正常。 -
The remaining stock of bad loans is now around $ 250 billion, according to ubs
依據瑞銀的研究報告，目前存留的壞賬約為2500億美元。 -
This thesis concludes two modes used in choosing before loans and adds non - fiscal facts in loan decision, which could act as the theory basics of excluding bad loans
在這樣的環境下，本文對以上兩種現象提出了貸前採用對應的模式和貸中增加貸款決策因素分析，希望可以對逐漸消除信貸業務中不良成份的方法起到理論支持的作用。 -
A lower rate for bad loans. china has a huge problem with bad loans - - about 20 percent of all loans
第四條，印度的壞帳率比中國低很多，而中國所有貸款裏面有20 %是壞帳，非常嚴重。 -
Analysts say that mitsubishi needs to write off about 1 billion in bad loans
分析師預計三菱有10億美元的壞帳需注銷。 -
But being able to spread their risk can also be seen as an invitation to make bad loans
但擴大風險可以看作是一種提供低質貸款的誘惑。
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