banks and credit cards 中文意思是什麼
banks and credit cards
解釋
銀行和信用卡-
The paper, titled " credit card business of commercial banks, " is not an introduction of the basic knowledge about credit cards, or a textbook on the operation and management of credit cards. it is an explanation of the major economic phenomena in the credit card business sector and an exploration of the development of the credit card business, written with a bird - eye view of the credit card industry and in the macroscopic and medium perspective. the paper goes just as the economist zhang wuchang says, " economics is a science to explain economical phenomena.
《商業銀行信用卡業務研究》一文，並不是普及信用卡知識的大眾讀物，也不是信用卡經營管理業務的教科書，而是著眼于信用卡產業的整體情況的考察，從宏觀、中觀的角度，對發生在信用卡業務領域的主要經濟現象進行解釋，說明信用卡業務的生存發展之道，正是驗證了經濟學家張五常教授的名言「經濟學是解釋經濟現象的科學」 。 -
And these mounting delinquencies, in turn, have prompted banks to tighten lending standards, keeping people who have maxed out their cards from finding new sources of credit
而越來越高的拖欠率又反過來促使銀行提高了借款標準，令已經刷爆了信用卡的人無法找到新的信貸來源。 -
The operation of banking card in china has made a great progress in recent years. but the prosperity of the business of card - issuing doesn ’ t necessarily bring the prosperity of the business of banking card. the reason is, for the virtual nature, electronic nature and the short - term time of emergence of the banking card, the rights of banking card consumers are easier to be violated compared with the traditional credit vouchers or payment tools, for example, the format provisions established by the banks make the consumers hard to choose, the banks charge before discussing with the consumers, and the businesses ’ refusal of the consumers ’ use of the banking cards
近年來，我國銀行卡發卡業務發展迅速，但這卻並未帶來銀行卡業務的繁榮。其原因是，由於銀行卡的虛擬性、電子性、及其出現時間的短期性，與傳統的信用憑證或支付工具相比，銀行卡消費者的權益比一般消費者更容易受到侵害，具體有以下幾種情形:銀行制定的格式條款讓消費者無從選擇、銀行不與消費者商量擅自收年費、商家拒絕消費者刷卡等。 -
Among these are the economic slowdown, which has prolonged the burden of negative equity that many people have been carrying. other reasons put forward include the shortening in 1998 of the discharge period in the bankruptcy legislation from seven years to four ; the indiscriminate issuing of credit cards by banks ; and changing public attitudes towards bankruptcy
有評論認為這當中的原因包括：經濟放緩使負資產一族百上加斤1998年破產條例把破產期限由7年縮短至4年銀行濫發信用卡，以及公眾對破產的態度逐漸改變。 -
The court heard that the police commercial crime bureau ( ccb ) received complaints from six banks in june last year alleging some applicants had submitted false employment letters in their applications for banking facilities such as credit cards and personal loans
案情透露，警方商業罪案調查科于去年六月接獲六間銀行投訴，指有客戶申請信用卡及貸款等銀行設施時，懷疑使用偽造聘用信。 -
All kinds of credit cards can be used. tele - banks and bank transferring system make it convenient and efficient to draw or deposit money all over the country
各種信用卡均可使用，同時開通了電子銀行和銀證通業務，全國范圍內通存通兌，方便快捷高效。 -
After several years " development, there are 2 billion credit cards in the world, and 500 million in the united states. in united states, a quarter of retail trade was finalized by credit card, the loan of credit card consume credit exceeded 20 percent in all loan granted by banks in usa. in 2000, credit card brought 1. 76 billion profits to hsbc, the profit which come from credit card become important part of business bank ' s profit, some of which it exceeded 50 percent
信用卡經過短短幾十年的發展，全球已有20億張信用卡，其中美國有5億張以上，美國零售交易中有25 %通過信用卡來完成，信用卡消費信貸業務佔美國商業銀行總貸款的20 %以上， 2000年度，花旗銀行信用卡發卡利潤17 . 6億美元，信用卡業務利潤是商業銀行利潤的重要組成部分，其比例甚至高達50 %以上。 -
The quantity of credit cards issued by chinese commercial banks is so small, and, at the same time, the bank of china is lack of management experience of the credit card customer. while foreign banks have issued credit cards over 100 years and acquired plenty of management experience, there is no doubt that the competition will be very serious for chinese commercial banks
信用卡由於有豐厚的利潤，不依存於銀行營業網點和分支機構經營而成為2005年後外資銀行首先進攻的金融業務，而我國商業銀行信用卡的發行量少，缺乏對信用卡客戶的管理經驗，面對著經營信用卡已經100多年的，擁有的豐富管理經驗的外資銀行來說，競爭的激烈是不言而喻的。 -
We advised, among other things, that they should not normally dispense with income proof in considering applications for credit cards. we also advised that banks should re - assess the effectiveness of their credit scoring models and other forms of credit analysis in predicting bankruptcies
我們在函件中勸諭這些機構，批核信用卡申請時不應隨便免除申請人提供入息證明的規定，並提醒它們應重新檢討其信貸評分制度，以及其他有助評估破產可能性的信貸分析的成效。 -
This program is not applicable to american express uny card, american express singapore airlines krisflyer gold credit card, american express cheung kong card and american express network cards issued by other banks, e. g. dbs standard chartered aeon american express cards
此計劃不適用於uny運通卡美國運通新加坡航空krisflyer信用金卡長江運通卡及由其他銀行發行之運通卡如星展渣打aeon美國運通卡。 -
Many banks o or their own credit card companies and i ue cards free to their customers
許多銀行開辦自己的信用卡公司，並免費發給他們的客戶。 -
It has limited the ability of national watchdogs to intervene in cross - border financial mergers and backed away from threats to abolish “ interchange fees ” charged by credit cards and retail banks
它限制了國家監管機構干預跨國金融合併的能力，並且從威脅廢除信用卡和零售銀行收取的「交換費」的立場上後退。 -
Foreign banks would be allowed to issue credit and debit cards, and the ceiling on the amount qualified foreign institutional investors could invest in domestic financial markets would rise from $ 10bn to $ 30bn
將允許外資銀行發行信用卡和借記卡，同時對合格的外國機構投資者，其在中國國內金融市場的投資上限將從100億美元升至300億美元。
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