credit evaluation of banks 中文意思是什麼

credit evaluation of banks 解釋
銀行信用評估
  • 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...
  • evaluation : n. 1. 估價，評價。2. 【數學】賦值，值的計算。
  • of : OF ＝Old French 古法語。
  • banks : n. 班克斯〈姓名〉。
  1. Through summarizing the experiences of the salesman and experts, and drawing lessons from the professional organizations such as banks which have established indexes system for credit rating, the thesis builds its own indexes system of credit rating for tally trade which is intentionally built up for enterprises ; then by contrasting the advantages and disadvantages of the commonly used multi - indexes evaluation methods, adopts the fuzzy hamming network as the primary tool for credit rating

    首先通過總結銷售人員經驗，並借鑒銀行等專業機構資信評級所採用的評價指標，建立適合工商企業應用的客戶信用評級指標體系；然後對比常用多指標綜合評價方法的優缺點和適用范圍，確定採用神經網路模型中的模糊hamming網路作為客戶信用評級的主要工具。
  2. By dissecting the problems in the managerial and operational mode of residential accumulation funds, it presents some suggestions to perfect our residential accumulation fund system by perfecting its accommodation system, amplifying its managerial system and its supervising mechanism. as for the commercial individual housing mortgage loans, the author analyzes in detail the problems in individual housing credit by taking chongqing as an example and puts forward some countermeasures. he also categorizes the risks of individual housing mortgage loans and points out how to guard against the risk of individual housing mortgage loans for commercial banks, which lies in the accurate assessment of the certifying ability of the real estate developer, the thorough investigation of his property and credit, strict control over the evaluation value of the property and the volume of loan and dealing risks promptly, resolutely, flexibly and effectively so as to strangle the risk in cradle

    針對住房公積金管理運作模式存在的問題，提出從完善住房公積金融通制度、健全公積金運作管理制度、嚴格公積金監督管理機制幾方面完善我國的住房公積金制度的建議；商業性的個人住房抵押貸款以重慶市為例對個人住房信貸存在的問題進行詳細分析提出對策，並將個人住房抵押貸款的風險進行歸類，提出商業性銀行個人住房抵押貸款風險的防範主要是在於對房地產開發商保證能力的評估，對其資信情況的調查，嚴格控制物業的評估值和貸款成數，並及時、果斷、靈活、高效，處理出現的風險，將風險消除在萌芽狀態。
  3. 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。
  4. 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。
  5. 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。
  6. I think some credit banks and financial institutions have been too pessimistic in their estimation and evaluation of this ncident in believing that china is experiencing a financial crisis and that china has no payment capabilities and that china is no longer creditworthy

    我覺得那些債權銀行以及某些金融機構對這個問題的估計太悲觀，就是認為中國已經發生了金融危機，沒有支付能力，不講信用。
  7. Evaluation of business banks credit risk based on fuzzy influence diagram method

    基於模糊影響圖方法的商業銀行信用風險評估
  8. Customer evaluation is the base and key point for credit business. credit customer evaluation contains a series of work. today, commercial banks use credit rating to evaluate customer

    客戶評價是信貸業務的基礎和關鍵性環節，是適應國際金融標準，提高增量貸款質量，優化存量貸款及提高競爭能力的需要，是防範風險的根本性措施。
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