decreasing credit 中文意思是什麼
decreasing credit
解釋
緊縮貸款- decreasing : 遞減
- 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...
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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。 -
During recent years, under the positive push of the “ golden card engineering ” and the “ web - based universalizing ”, the phony credit card business in chengdu arrives at the best level in history. however, there are many problems in actual operation and management from both subjective cognition and objective facts. the emergency problem for icbc chengdu branch is how to expand its market share and how to get more profit by decreasing the operation cost
2002年以來，在市場經濟發展和「聯網通用」工程的推動下，成都地區牡丹信用卡主要業務指標連續創歷史最好水平，但是，無論是在工商銀行系統內排名還是在成都地區同業間排名，都比較落後，主要問題是發卡規模小，卡片使用效率低，收益總體水平不足，反映出成都地區牡丹信用卡業務在主觀認識、客觀條件和實際經營管理方面與行業先進水平相比存在著相當大的差距。 -
The commercialized operation for credit files is beneficial to the accumulation, centralization and co - enjoyment of credit files, decreasing the management cost and the credit risk of the government
信用檔案管理的商業化運作模式有利於信用檔案積累、集中與共享，降低政府的管理成本與信用風險。
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