demand loan 中文意思是什麼
demand loan
解釋
活期貸款-
Commerciality individual housing borrows money ( mortgage loan namely ) compare loan of housing accumulation fund to want to the demand bearing of borrower comfortable a lot of, have the effective and resident status, natural person that has capacity of completely civil action to want to satisfy following condition to be able to apply for only : the profession that has stability, income and repay ability ; the capital fund that the bank is approbated serves as guaranty or impawn ; the unit of put on sale that buys housing with place signed the contract that buy a house or book of the intent that buy a house
商業性個人住房貸款（即按揭貸款）對借款人的要求相比住房公積金貸款要寬松許多，具有有效居留身份、有完全民事行為能力的自然人只要滿足下列條件即可申請：有穩定的職業、收入和償還能力；有銀行認可的資產作為抵押或質押；與所購住房的發售單位簽訂了購房合同或購房意向書。 -
Demand loan unsecured
活期信用放款 -
Chapter 1 firstly comments on gurley & shaw " s " endogenous money - exogenous money " model, tobin ' s theory of endogenous money supply and post - keynesian " mixed portfolio - - - - loan demand approach " model, then brings forward a model of forming mechanism of china ' s endogenous money supply
第一章首先綜述了格利和肖的「內生貨幣? ?外生貨幣」模型、托賓的內生貨幣供給理論以及后凱恩斯主義的「組合資產? ?貸款需求」模型，然後建立了適合我國現實的內生貨幣供給形成機制模型。 -
Garth noonan, managing director in high - yield capital markets at merrill lynch said that while high - yield bond and loan supply was strong, it would not be enough to sate demand
美林（ merrilllynch ）高收益率資本市場董事總經理加思.努南（ garthnoonan ）表示，盡管高收益率債券和貸款供應充裕，但仍不足以滿足需求。 -
Demand loan secured
活期質押放款 -
Although the people s bank of china has been issuing quite a lot of short - term paper to " sterilise " the capital inflow, in other words to try to slow down the increase in the aggregate balance, or prevent it from increasing, the banks must have still found themselves holding increasing amounts of money in their clearing accounts with the people s bank, to the extent of being able to accommodate rapid increases in loan demand
就此，中國人民銀行人行發行了不少短期票據，以沖銷流入的資金，亦即是說嘗試阻止總結餘繼續增加或減慢其增加速度。然而，銀行在人行的結算戶口的結餘仍在不斷上升，足以讓銀行應付急速增長的貸款需求。 -
The main factors affected the world bank loan projects in terms of loan amount and geological allocation and distribution within the sector included china ' s foreign capital utilization policy, the change of supply and demand of domestic financial resource, the world bank country assistant strategy, the world bank loan terms, etc. chapter five summarized the world bank agricultural loan projects " benefits in three aspects : economic, social and environment
影響各階段貸款規模的主要因素包括：我國農業利用外資政策、國內農業資金的供求變化、世行貸款政策及世行貸款成本的變化等。第四章分析了我國世行農業貸款項目的分佈結構，包括地域和農業內子行業等分佈的變化及影響因素。影響我國農業項目分佈的因素主要有：世行農業貸款政策的變化、我國宏觀社會經濟政策與農業政策的變化、地區經濟發展與資金供給變化及市場等因素。 -
Starting at retail of bonds, funds, deposit certificates and shares, more selling products will be sought from fund houses. innovative products, which are in line with the market demand and under risk control, should be pushed forward. by virtue of new product exploitation, banks can avert risks, adjust loan portfolio and increase income
開拓非利息收入業務，如積極銷售債券、基金、存款證及股票等，進一步推出以市場化為取向的基金公司和基金產品，鼓勵創新，凡是適應市場需求的品種，在有效控制風險的基礎上，都應該積極推進。 -
The result shows that, under the condition of perfect competition, if bank ' s costs of providing transaction services for customers are sufficiently small, then a small tax on deposits interest income does not affect the choice of depositors ( or investors ) between deposits and direct investment ; a business tax on bank loan interest income leads to tax incidence, thus raises loan rates and induces entrepreneurs to switch from bank loan to direct financing ; a tax on bank ' s income also raises the loan interest rate, and hence reduces the demand of loans
研究結果表明，在完全競爭條件下，當銀行為客戶提供的交易服務成本很低時，以較低的稅率對儲蓄利息開征利息所得稅不會影響儲戶（或投資者）在儲蓄和直接投資之間的選擇；對銀行貸款利息收入開征營業稅，則會引起稅收轉嫁，提高貸款利息率，使部分企業選擇直接融資方式而不是從銀行貸款；銀行業所得稅也會提高貸款利率，減少貸款需求量。 -
Non - means tested loan repayment demand notes
免入息審查貸款繳款單 -
Interest on the loan shall be variable at the bank s discretion and, notwithstanding any other terms and conditions, iwe agree to pay to the bank on demand at any time all principal, interest and other charges under the plan which are outstanding and owing at the relevant time
銀行有絕對權力酌情修訂貸款利率，並具絕對權利隨時向借貸人要求償還全部貸款、利息及貸款計劃中所涉及之一切費用。如本人（等）未能依期繳交任何一期還款，銀行有權要求立即清還全部所欠之貸款及利息。 -
Perhaps this is a reflection of the generally ample liquidity in the banking system, made possible by a much more stable monetary system after the monetary reform measures introduced in 1998, and the sluggish loan demand
這也許是因為自1998年推出貨幣改革措施后貨幣體系一直保持穩定，加上貸款需求疲弱，因此銀行體系流動資金充裕。 -
But in the reality credit trade activity, information is the asymmetrical distribution between credit contract parties - bank and loan enterprise. the non walrasian equilibrium is appeared in the credit contract market. the loan rate of interest can not make both sides that capital supply and demand realize the equilibrium under this kind of circumstances, and the credit market can not reach voluntarily cleaning, namely credit c
但是在現實的信貸交易活動中，交易信息在合約當事人雙方之間的分佈是非對稱的，在這種情況下，信貸市場呈現出一種非瓦爾拉斯均衡狀態，貸款利率不能使得資金供求雙方實現均衡，市場不能夠自動出清，即信貸市場處於一種數量配額的短邊均衡? ? 「信貸配給」狀態。 -
Urbanization stimulates the demand for housing and housing loan, yet the loan amount supplied by commercial banks is rather small. 3 ) irrational structure of supply and demand. individual housing loan has propensity to less borrowers of higher income ; borrowers of medium and low income, though they are majority, are refused for various reasons
第三、個人住房消費信貸供給與需求之間結構不合理，銀行傾向于向高收入群體發放貸款，但該群體的需求量較小；而實際需求量巨大的中低收入群體，卻因未來收入保障度差而被銀行以種種理由拒之門外。 -
Finally, the paper gives the optional policies and suggestions to improve monetary policy effectiveness : strengthen the monetary policy, lower further the loan rate, reserve rate and excess rate and reconstruct monetary policy transmission to launch the demand. at the same time, it is necessary to overcome the restrictions in china ' s monetary policy transmission
最後，文章針對上述分析，提出了旨在提高我國貨幣政策有效性的對策：繼續加大貨幣政策的力度，進一步下調貸款利率、準備金率和超額準備金率，重構啟動需求的貨幣政策傳導渠道，同時還要注意克服貨幣政策傳導過程中諸多環節存在的約束。 -
Accordingly, place produces the analytic personage of research center of 3 class market to think in, from its the loan time limit of set and reimbursement means and month offer the characteristic with little, high interest to be able to see, " the balloon is borrowed " the person that do not suit all rooms to borrow, accord with the following the crowd of 4 features can consider to choose " the balloon borrows " : it is to consider short - term room to borrow, have ahead of schedule the person buy a house of reimbursement demand ; 2 it is to anticipate future is shorter fixed number of year ( the 10 years longest ) in oneself capital actual strength can have bigger rise or the person buy a house that later period will have big fund to enter zhang ; 3 it is loan period repays only less month is offerred, use the others money to other investment channel, invest strategic eye and the house property investor that dare to assume a risk with obtaining what invest redound higher to have ; the 4 house property consumer that are estate of the good - paying in applying to
因此，中原地產三級市場研究中心的分析人士認為，從其設定的貸款期限和還款方式以及月供少、利息高的特點可以看出， 「氣球貸」並不適合所有的房貸者，符合以下4個特徵的人群可以考慮選用「氣球貸」 ：一是考慮短期房貸，並有提前還款需求的購房者；二是預期未來較短年限（最長10年）中自己的資金實力會有較大提高或後期將有大額資金進賬的購房者；三是借款期僅償還較少月供，將其餘款項運用至其他投資渠道，以獲得更高投資回報的具有投資戰略眼光和敢於承擔風險的房產投資者；四是適用於中高收入階層的房產消費者。 -
After 1989, the increase of demand slowed down and facing the complexion of low degree of industrial concentration of product market and financial strain of medi um and small - sized enterprises caused by the circulating trap of " credit squeeze - - - bad loan ", the advantageous enterprises " " wallow in money ", specifically, those listed companies that could finance from the stock market, began to take predatory pricing strategy in succession and tried to enlarge market share and obtain high return by squeezing medium and small - sized enterprises out of the market after 1998, the vicious circle of deflation and " credit grudging " of banks in product and credit markets, overcapacity, the difficulty of retreating of loss - incurring enterprises in some industries from the market for institutional reasons and over - competition in some industries, led to the incessant decrease of enterprises " global income, persistent increase of rate of debts and constant rise of ratio of bad assets of banks, which further intensified the vicious circle of deflation and " credit grudging " of banks
如在改革開放初期，在產品市場需求旺盛和信貸市場預算軟約束的情況下，各類企業的最優決策就是採用高負債、高擴張的「負債的有限責任效應」策略來搶占市場並獲得高回報； 1989年以後，需求增速開始放緩，面臨產品市場產業集中度較低和信貸市場「信貸緊縮-不良貸款」循環陷阱導致的中小企業資金緊張的局面， 「錢袋鼓鼓」的優勢企業（尤其是那些可以通過股票市場融通資金的上市公司）紛紛採用掠奪性定價策略，試圖通過把中小企業擠出市場來擴大市場份額並獲得高收益； 1998年以後，產品市場和信貸市場形成了通貨緊縮和銀行「惜貸」惡性循環的狀況。產品市場上部分行業生產能力嚴重過剩，且由於體制等原因導致虧損企業無法退出，因此這些行業中出現了過度競爭的現象，企業總體收益的不斷下滑、負債率不斷提高以及銀行不良資產率的持續上升，又進一步加強了通貨緊縮和銀行「惜貸」的惡性循環。 -
A lender ' s right to demand payment of the outstanding balance of the loan at a time specified in the loan agreement
貸方要求在貸款合同中規定的時間內付清剩餘應付額的權力。 -
The credit committee may, by notice in writing to the members, demand payment of the loan with interest, if any, before the agreed date of repayment
貸款委員會可能以書面要求該貸款人將其貸款及任何應付之利息，于到期前歸還本社。 -
So, instead of a pick - up in loan growth that follows closely the economic recovery, the supply side factor, interacting with depressed demand, brought about a significant lowering of loan rates that we are all familiar with, particularly in residential mortgages
因此，貸款並沒有緊隨經濟復甦恢復增長，反而在供應充足與需求疲弱的情況互為影響下，貸款利率大幅下調，尤其是住宅按揭方面，相信大家對此並不陌生。
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