bank credit and loan 中文意思是什麼

bank credit and loan 解釋
銀行信貸
  • bank : n 1 堤，堤防；岸，河畔。2 埂，壟，堆。3 （海中水下的）沙洲，灘。4 斜坡，邊坡，坡度；轉彎。 【航空...
  • credit : n 1 信用，信任。2 名譽，名望，聲望。3 贊揚，稱許；光榮，功勞，勛績，榮譽。4 信貸；賒銷；貸款；存...
  • and : n. 1. 附加條件。2. 〈常 pl. 〉附加細節。
  • loan : n 1 出借，借出，貸。2 借出物；資金；公債，貸款。3 外來語（＝ loanword）；外來風俗習慣。vt vi 〈美...
  1. The information asymmetry in loan of bank is that debit is more than credit about risk and income of debit, and so, debit does not carry out the mortgage of apprize according to the facts strictly, or credit can not get exactly information for other reasons, and then, the credit would be misadvise and can not make out exact decision - making

    銀行借貨中的信息不對稱，是指借款人對其自身風險暴露、收益狀況等有關信息掌握的比貨款人更全面，而不嚴格履行如實告知義務，或者由於其他原因使貨款人無法獲得準確全面的信息，誤導貨款人，使貨款人無法做出準確決策。
  2. All payments to be made either by the buyer to the seller or by the seller to the buyer under the present contract shall be effected on its due date in austrian schillings ( ats ) by telegraphic transfer using the credit agreement under the austrian government loan between buyer ' s bank and seller ' s bank covering this contract

    根據本合同，所有的付款項目，無論是買方向賣方還是賣方向買方支付，都應採用買賣雙方的銀行在奧地利政府貸款框架下達成的信貸協議，于到期日以奧地利先令進行電匯付款。
  3. Giving a letter is the capital that points to client of orgnaization of finance of commercial bank xiang fei to be offerred directly, perhaps be to the client in concerned economy activity the compensation that arises possibly, assurance that pays responsibility to make, include financing of loan, trade, bill financing, financing to rent, overdraw, the business inside the watch such as each money advanced for sb to be paid back later, and bill accept, open a l / c, defend case, reserve confirmed, bond issues l / c, letter of credit assure, loan assures, the business outside the watch such as the loan commitment with the asset sale that has recourse, irrevocable untapped

    授信是指商業銀行向非金融機構客戶直接提供的資金，或者對客戶在有關經濟活動中可能產生的賠償、支付責任做出的保證，包括貸款、貿易融資、票據融資、融資租賃、透支、各項墊款等表內業務，以及票據承兌、開出信用證、保函、備用信用證、信用證保兌、債券發行擔保、借款擔保、有追索權的資產銷售、未使用的不可撤消的貸款承諾等表外業務。
  4. Legal services on finance : conduct the overall planning and statement on bank loan projects ; supply the legal services concerned on bank loan ; act as the legal adviser for the government owned commercial banks, joint stock commercial banks, city commercial banks and investment banks ; draft, review, amend the contract on banking ; participate in the negotiation, testimony and maintenance of the non lawsuit monetary items ; examine the standing of the borrowers ; conduct the lawsuit and arbitration on the disputes on letter of credit, deposit receipt, entrust loan, capital call market, bank bill

    金融法律業務：辦理銀行貸款項目的整體策劃和申報，提供與銀行貸款有關的法律服務，擔任國有商業銀行、股份制商業銀行、城市商業銀行及投資銀行的法律顧問，起草、審查、修改銀行業務合同，參與非訴訟金融項目談判、見證和保全，審查借款人資信，代理信用證、存單、委託貸款、資金拆借、銀行票據糾紛訴訟、仲裁。
  5. Personal financial packages you can enjoy privileged rates on residential mortage loan, personal loan, new car financing, unsecured overdraft facilities, unit trust subscriptions and various insurance packages. you can enjoy all benefits and services offered to bea credit cardholders by the bank of east asia

    東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、無抵押透支服務、認購單位信託基金及各類型保險，讓你專享優惠利率
  6. All payments to be made either by the buyer to the seller or by the seller to the buyer under the present contract shall be effected on its due date in austrian schillings ( ats ) by telegraphic transfer using the credit agreement under the austrian goernment loan between buyer ' s bank and seller ' s bank coering this contract

    根據本合同，所有的付款項目，無論是買方向賣方還是賣方向買方支付，都應採用買賣雙方的銀行在奧地利政府貸款框架下達成的信貸協議，于到期日以奧地利先令進行電匯付款。
  7. The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items

    儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。
  8. If the enterprise changes the present property to be insufficient to pay off the due debt, it is very difficult obtains the loan from the bank or other units again, very difficult to obtain the preferential benefit again from supplier there which buys on credit. thus affects the enterprise to loan the fund directly, affects the normal production and the management. therefore analyze the debt paying ability has extremely important realistic value

    償債能力是企業償還到期債務的能力，如果企業變現資產不足以清償到期債務，就很難再從銀行或其他單位取得借款，很難再從供應商那裡取得賒購的優惠，從而直接影響企業籌借資金的能力，影響正常的生產和經營，因此對償債能力進行分析具有十分重要的現實價值。
  9. Our country bank not good property origin is extremely complex, mainly has following several aspects the reason : ( 1 ) under the planned economy system, the " series receives series " and " dials changes loans the loan which history and so on " policy leaves behind down to form not good loans ; ( 2 ) 1, 992 - in 1993 economical heat, the large amount fund flows to the real estate, the stock market and so on ; ( 3 ) for many years building redundant project, credit fund effect even more difference ; ( 4 ) local authority to financial organ intervention ; ( 5 ) the financial organ internal management is bad and so on

    我國銀行不良資產的成因十分復雜，主要有以下幾方面的原因： （ 1 ）計劃經濟體制下， 「統收統支」及」撥改貸」政策等歷史遺留下來的貸款所形成的不良貸款； （ 2 ） 1992 1993年經濟過熱，巨額資金流向房地產、股票市場等； （ 3 ）多年來重復建設，信貸資金效益甚差； （ 4 ）地方政府對金融機構的干預； （ 5 ）金融機構內部管理不善等。
  10. The first part mainly introduces the law characteristics and law relations of personal living house mortgage loan, makes research and discussion for establishing the mortgage right and the effect of mortgage right of personal living house mortgage loan, in which, the special responsibility of the loan bank of the mortgage loan is primarily approached, introduces the developing situations of the personal living house mortgage loan of loan of our country, mainly analyses the risk and the source of risk of personal living house mortgage loan, points out that the risk of personal living house mortgage loan mainly comes from the credit risk of the house buyer, the risk to realize mortgage right and the risk to treat the mortgaged house

    第一部分，主要介紹了個人住房抵押貸款的法律特徵和法律關系；對個人住房抵押貸款的抵押權的設定、抵押權的效力進行了研究和論述，其中對抵押貸款中貸款銀行的特別責任進行了初步探討；介紹了我國個人住房抵押貸款的發展狀況，重點剖析了個人住房抵押貸款的風險、風險來源，指出個人住房抵押貸款的風險主要是來自購房者的信用風險、抵押權實現的風險、抵押房產處置的風險。
  11. Chapter three. credit risk management and ias in state - owned commercial bank. credit risk is the possibility that borrower ca n ' t give back the loan to bank abiding by contracts

    第三章國有商業銀行信貸風險管理與獨立審計制度信貸風險是指借款人不能按約償還貸款的可能性。
  12. The bank protects itself by obtaining security to cover against losses, conducting credit checks and making sure that the client has the ability to repay the loan

    銀行通過為其損失保險、管理信貸支票以及確保客戶有能力償還貸款來保護自身。
  13. The grade of credit of the medium and small enterprises is usually difficult to attain the standard of bank to issue the loan, and have no enough eligible assets for mortgage, guarantee of administration type is invalid

    中小企業資信等級往往難以達到銀行放貸標準，辦理財產抵押又實力不足。行政式擔保無效，企業責任意識增強后，一般不願意替其他企業出具擔保。
  14. But in the reality credit trade activity, information is the asymmetrical distribution between credit contract parties - bank and loan enterprise. the non walrasian equilibrium is appeared in the credit contract market. the loan rate of interest can not make both sides that capital supply and demand realize the equilibrium under this kind of circumstances, and the credit market can not reach voluntarily cleaning, namely credit c

    但是在現實的信貸交易活動中，交易信息在合約當事人雙方之間的分佈是非對稱的，在這種情況下，信貸市場呈現出一種非瓦爾拉斯均衡狀態，貸款利率不能使得資金供求雙方實現均衡，市場不能夠自動出清，即信貸市場處於一種數量配額的短邊均衡? ? 「信貸配給」狀態。
  15. Making definite the difference between financial credit and policy financial bank credit, the paper gives some definitions for the system of agricultural policy finance. agricultural policy finance is defined as some financial serving for some special agricultural economic fields that are difficult to get loans from commercial or cooperative financial " institutions, and its loan rates1 are lower than others

    為了明確國家財政信用與政策性金融銀行信用的區別，本文重新定義農業政策性金融體制的相關概念，認為農業政策性金融是為難以得到商業性或合作性金融機構信貸資金支持的農業經濟活動提供低於市場貸款利率的貸款等項目的金融服務。
  16. Then according to the physical circumstances of consumption loan service faced by floor banks in china, twelve credit risk evaluation indexes are inducted directly toward the customer who will have the contract of credit risk loan. these twelve credit risk evaluation indexes include 5 continuous indexes : age, residential time, employment time, annual income, financial assets, and 7 discrete indexes : employment industry, educational qualifications, professional qualification, bank deposit, house case, means of communication, insurance case

    其次，根據我國面向基層銀行消費信貸業務實際情況，歸納出了針對信用貸款客戶信用評估標準的十二個評估指標，包括年齡、居住年數、就業年數、年收入和金融資產五個連續性指標和就業產業、學歷、職級、銀行存款、住房情況、交通工具和保險情況七個離散指標。
  17. By expounding bank credit management system and risk assessment method among the planned economy time, planed the commodity economy time and the market economy time, base on credit risk cognition evolution process, allude to the development course of loan the assessment method in our country

    對綜合評價法進行深入研究，系統論述了該方法的特點和使用過程，提出了綜合評價方法指標體系和評價模型，揭示了該方法的科學性和可操作性。
  18. Article 25 enterprises engaged in such businesses as credit and leasing operations may, on the basis of actual requirements and following approval by the local tax authorities of a report thereon, provide year - by - year bad debt provisions, the amount of which shall not exceed 3 % of the amount of the year - end loan balances ( not including inter - bank loans ) or the amount of accounts receivable, bills receivable and other such receivables, to be deducted from taxable income of that year

    第二十五條從事信貸、租賃等業務的企業，可以根據實際需要，報經當地稅務機關批準，逐年按年末放款余額（不包括銀行間拆借） ，或者年末應收賬款、應收票據等應收款項的余額，計提不超過百分之三的壞賬準備，從該年度應納稅所得額中扣除。
  19. Finally, this paper propose several strategy of commercial bank credit risk management : construct early - warning system of commercial bank credit risk ; construct the depart strategy of commercial bank credit risk ; construct the strategy of positive pricing the bank loan ; construct the control system of car ; construct the deposit insurance ; deepen reform, and eliminate the root of credit risk

    最後本文提出了幾點商業銀行信用風險管理與防範的策略：建立商業銀行信用風險預防警機制；商業銀行信用風險的分散化策略；建立商業銀行積極的貸款定價策略；建立風險資本比（ car ）約束機制；建立存款保險制度；防範和化解信用風險的若干改革對策
  20. This paper is on the basis of that the bank credit transmission channel is main monetary policy transmission mechanism and the current loan supply is lower than the ideal standard point

    貨幣政策傳導機制問題的研究在國內外一直備受關注，尤其對於我國信貸配給與貨幣政策傳導之間的關系問題引起了廣大學者的探討。
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