credit ration 中文意思是什麼

credit ration 解釋
核心通脹
  • 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...
  • ration : n 1 （供應物等的）限額，定額，定量；飼料配（給）量。2 〈常 pl 〉（一般人或動物尤指兵員的）每日口...
  1. Research on the ration of consumer credit and its elimination

    消費信貸配給及其消除
  2. Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as ( 1 ) the loan pricing not been involved in the decision mechanism of credit ; ( 2 ) lacking of risk price ration system ; ( 3 ) mismatching between the interest rate and the risk of the loan items

    由於長期的利率管制，我國商業銀行的貸款定價管理十分薄弱，主要體現為貸款定價未被納入信貸決策機制中；缺乏定量化的定價系統；利率浮動的幅度未能反映借款人的信用水平及貸款項目的風險程度。
  3. Thirdly, analyses the every factor that influences financial demands i. e. the interest rate, average income, expected profit and psychological consciousnesses of microscopic main part ; then through studying the factors which influenced the credit market, points out under the imperfect information condition the results of credit market equilibrium will be : causes the commercial banks to have credit ration behavior, causes the partial high venture enterprise and the few mortgage property enterprises to withdraw from the credit market

    再次，分析了影響金融需求的各個因素即利率、人均收入、預期收益和微觀主體的心理意識與金融業務發展的關聯性，並通過分析影響我國信貸市場均衡的各個因素，指出在信息不對稱條件下信貸市場的均衡使得商業銀行會產生「信貸配給」行為，同時使得部分高風險企業、抵押資產少的企業退出信貸市場。
  4. The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate

    論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。
  5. The state - owned banks are then supposed to ration the permitted amount of credit to loan seekers according to some prescribed criteria ( fernando, 1995 )

    然後，國有銀行需要根據既定標準分配獲得許可的信貸金額給借款人（ fernando ， 1995 ） 。
  6. But only explaining phenomena is quite inadequate, we still must find out the motives of microeconomic bodies from those phenomena. imperfect information aggravates credit ration

    但是，僅僅對現象進行解釋是遠遠不夠的，我們還必須洞察現象背後所隱藏的微觀經濟主體的行為動機。
  7. This paper suggests that the financing breach is derived from the bank credit ration produced by the serious information asymmetry of small and medium - sized enterprises, diversified risk allocation mechanism and financing strategy produced by risk grade inconsistency, and credit risk produced by imperfect contacts

    本文在對中小企業存在的融資缺口（資本融資缺口和債務融資缺口）的現實狀況進行分析的基礎上，指出中小企業嚴重的信息非均衡所導致的銀行信貸配給、風險等級不一致所要求的多樣化的風險分擔機制和融資策略及契約的不完善所導致的信用風險是產生融資缺口的根本原因。
  8. The research indicated that, the agriculture economic organizations are excluded from credit ration due to high credit risk, which explains the financing difficulty of agriculture economic organizations

    這個結論可以很好地解釋涉農經濟組織融資困難這一經濟現象。
  9. Documentary summary on the theory of the credit ration

    關于信貸配給理論的文獻綜述
  10. A research on credit ration in the transitional period in china

    中國轉型期信貸配給問題研究
  11. In the western developed countries, relational financing has already become an effective way, which has lightened credit ration of sme. but in our country, it suffers unexpected cold shoulder and misunderstanding to some degree

    關系型融資在西方發達國家已成為減輕中小企業信貸配給的一條有效途徑，然而在我國卻遭到了意想不到的冷遇和一定程度的誤解。
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