credit analysis on banks 中文意思是什麼

credit analysis on banks 解釋
銀行信用分析
  • 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...
  • analysis : n. （pl. -ses ）1. 分解，分析；【數學】解析。2. 梗概，要略。3. 〈美國〉用精神分析法治療（＝ psychoanalysis）。
  • on : adv 1 〈接觸、覆蓋〉上去；開（opp off）。 turn on the light [radio water gas] 開電燈[收音機、自來...
  • banks : n. 班克斯〈姓名〉。
  1. As for acquiring customers, the game between bank and credit card customer is firstly analyzed, and on the base of the analysis, we can conclude that customers are to obey theirs credit under the rule that customers credit records are shared among the banks. therefore the bank can enlarge its customer group by granting credit to them and the relationship between banks and customers can be established. at the same time, the structure of personal credit evaluation is proposed, the fuss synthesize evaluation method is applied in the case

    在分析客戶關系管理的基本思路應用於信用卡的具體模式時，在獲取客戶關系方面，文章首先分析了信用卡客戶與銀行的信用博弈關系，提出了在銀行業內部徵信的前提下，銀行應對客戶建立善意推定，相信客戶的信用能力，廣泛授信，建立信用卡客戶關系；同時提出了在徵信前提下，銀行信用卡的個人信用評估指標體系以及信用程度的模糊綜合評判法，並進行了算例分析。
  2. Based on the analysis of commercial banks " current concept about fund management, this paper brings forward that fund management is the main - string in its operation, and that the concept of fund management, including security and profitability, is extended from current " forrying fund " to the management of the fund cost and fund risk the paper comprehensively discusses the principle of fund management, the management of fund costs, the tactics of management about fund liquidity, the measures of management about fund risks and how to solve the problems on interest risk in the period of frequent interest fluctuation. the paper puts forward ideas on how to improve the fund management. the security, liquidity and profitability of the fund, which are both contradictory and integrated with one another, are internal factors of fund management. fund liquidity is traditional core question. commercial banks face with a number of risks of witch credit risk is the greatest one because our country has adjusted interest rates 8 times since 1996, which covered a period of frequent interest fluctuation

    商業銀行面對許多風險，但最大風險是信用風險。由於我國自1996年以來已連續調整了8次利率，近幾年是利率波動頻繁時期，研究利率的敏感性問題顯得特別重要。要改善資金管理，提高商業銀行的經營水平，就要建立資金管理是商業銀行經營主線的理念，對資金要統一規劃和管理；要改革銀行的體制，建立現代企業制度和法人治理結構，在體制上為資金管理提供有利的運行平臺；增加改善資金流動性管理所需的貨幣政策工具，擴大資金調控手段；打破貨幣市場的僵化局面，為資金管理創造有利的宏觀環境；續續優化負債結構和負債載體設計；增強資金信用風險規避和化解的措施；通過銀行資源整合，努力尋找資金的安全投放渠道，最終完成經營模式由傳統型向現代型的轉變。
  3. Credit analysis on banks

    銀行信用分析
  4. Credit assessment is a very important but rather complicated process for commercial banks. from the past decades to nowadays, different schemes using simple financial ratios and many other statistical methods, such as logistical regression analysis, linear regression analysis, decision trees and so on, are used popularly by commercial banks all of the world

    在國內，銀行對客戶的信用等級評定，還處在對企業的某些財務指標進行評價，而後加權平均確定的階段上，因此迫切需要引入更為科學的方法來確定有效指標，並建立準確的定量模型來解決信用評估問題。
  5. After following - up investigation and comparison, we found the trend that the credit risk comparison between the domestic evaluation methods and the foreign ones that the m ethods of foreign credit risk analysis have changed from financial ratio grading to multi - va riable and dynamic analysis based on capital market theory and computer information scie nee, but nowadays almost all banks in china evaluate credit risks by the methods of risk de gree computation which lack quantitive analysis

    通過對國內外評估方法的跟蹤、比較，發現國外信用風險分析方法已經從主觀判斷分析方法和傳統的財務比率評分法轉向以多變量、依賴于資本市場理論和計算機信息科學的動態計量分析方法為主的趨勢發展。而目前我國銀行機構主要使用計算信貸風險度的方法進行信用風險評估，缺乏定量分析，衍生工具、表外資產的信用風險已及信用集中風險的評估尚屬空白，更沒有集多種技術於一體的動態量化的信用風險管理技術。
  6. Moreover, for chinese banks and researchers, both the requisite technologies and experiences in this field are just in the beginning steps, yet somewhat lagged behind. the main purpose of this paper is to give a complete and systematic discussion on the theoretic basis, methods and formalities of the five - class system of credit assets, which is currently used in the people ' s bank of china, together with the introduction and comparison of other contemporary formalities of credit assets adopted by other commercial banks. then we give a deep and concrete analysis of the situation and problems in the current operation of the credit assets five - class system in the b city commercial bank in anhui province

    本文的主要目的就是針對目前中國人民銀行正在推行的信貸資產五級分類的理論基礎、方法及程序進行了較為全面和系統的論述，並對同時期國內外商業銀行所採取的信貸資產分類模式做了相應的介紹和比較，進而具體剖析了現階段安徽省b市商業銀行在信貸資產五級分類操作中的具體步驟，同時，借鑒了貸款風險評估的相關理論和模型，對安徽省b市商業銀行目前的貸款風險分類方法的現狀和存在的問題進行了較為深入的、系統的分析。
  7. Based on the reality of commercial banks in china at present, a credit risk assessment model is built based on the analysis frame of decision tree c4. 5 algorithm

    摘要結合我國商業銀行的實際，基於數據挖掘中決策樹c4 . 5演算法的分析框架建立了商業銀行的信用風險評估模型，通過此模型可以根據貸款企業的財務指標，得出企業是否違約的分類。
  8. Adopting a unique method of information economics, the essay has explained the reason why loan risks rise continuously from the state - owned commercial banks in china, especially its typical and modeling analysis on risks in respect of market, operation and liquidity, which provides prc banks a practical guidance for an overall and systematic analysis on their loan risks. 3. it has creatively built its option model for preventing credit risks of commercial banks by using option tool and created the financial derivative instruments to prevent risks in respect of loan principal and interest as well as credit default

    第三種是風險客觀說與風險主觀說， 20世紀20年代，美國學者ah奈特指出「風險是可測定的不確定性」 ， 1964年美國的小威廉將主觀因素引人風險分析，認為： 「雖然風險是客觀的，但不確定性是主觀的」 ，在風險主觀說中，將風險與不確定性進行了區分，不確定性是指人們在客觀情況下，對風險的主觀估計，將其稱為主觀風險。
  9. Based on the reason provided above, combining my practice in construction bank, sichuan branch with a great deal of relevent materials, from the angle of product design and marketing exploration of consumer credit of commercial banks, i want to make some analysis and research about the present s i tuat i on and prob i ems ex i st i ng of consumer credit, and d i scuss the means of developing and improving consumer credit of commercial banks, and further put forward my suggestion and come to my conclusion

    這些因素有社會的、消費者的、也有銀行自身的，如果不能得以有效解決，消費信貸業務的進一步拓展將受到嚴重製約。正是基於這樣的原因，作者想結合自己在建行的實習經歷以及通過查閱大量的資料文獻，從銀行消費信貸產品設計和市場開拓的角度來對我國商業銀行發展消費信貸業務的現狀及其存在的問題進行一些分析研究，探討發展和完善商業銀行消費信貸業務的措施和途徑，進而提出自己的設想。
  10. In this informal market, they say, operating companies may be in a better position to evaluate credit than chinese banks, which have short histories and as children of the state have frequently relied on politics rather than credit analysis to determine loan suitability

    他們表示，在這個不正規的市場中，在信譽評估方面，運營的公司可能比中國的銀行信譽度更高，這些銀行擁有短期的歷史，並且不成熟的國家（重譯：而且作為國家的產物） ，在決定貸款適宜度時，通常更依賴于政治，而不是信譽分析。
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