good credit risk 中文意思是什麼
good credit risk
解釋
風險小的信用對象-
The interest rate for loans may be decreased in accordance with the interest rate management regulations enacted by the people ' s bank of china for those quality projects underwritten by guarantee agencies with sound operation system, good credit standing, strong capital strength and powerful risk prevention ability
對運作規范、信用良好、資本實力和風險控制能力較強的擔保機構承保的優質項目，可按人民銀行利率管理規定適當下浮貸款利率。 -
Secondly, aiming at the shortage of the present study on this problem, this thesis try to make some creative breaks : explain the connotative definition of intermediate business in systematically to benefit this kind of problem to further study ; study the problems of risk aversion and prevention with it ' s development ; evaluate the market risk, the credit risk, investment risk etc. ; try to establish a valid system to evaluate the risk of intermediate business. the main method we used in this thesis to evaluate the risk of intermediate business is var ( value in risk ). at last, study to take some measures which will match the real state of our country to prevent the risk of intermediate business, which will do some good to intermediate business in china " s commercial bank
其次，針對已有研究中的不足和此類問題的研究現狀，本論文力求創新與突破的是：比較系統地對商業銀行中間業務進行界定和研究其發展策略，有利於對此類問題的進一步深化和擴展；從商業銀行中間業務不斷發展的角度來研究風險規避和防範等問題，評估中間業務面臨的市場風險、信用風險、投資風險和管理風險等一系列風險，嘗試建立有效防範中間業務風險的評估體系，本文主要運用var法來評估中間業務的市場風險；探討符合我國國情的商業銀行中間業務風險防範措施，以期對我國商業銀行中間業務的發展有所裨益。 -
Good credit risk
風險小的信用對象 -
Of course, the credit risk of debt, after credit guarantee, can only be as good as the credit risk of the guarantor, which in turn depends on the financial strengths of the guarantor and of its shareholders
債券得到信貸保證后，其信貸風險當然最多只會相當于保證人本身的信貸風險水平，而後者又會取決于保證人和其股東的財政實力。 -
The discuss starts from the " positive externalities " of tech - research and development, pointing out that the products of tech - research and development somewhat has the property of " public good ". without < wp = 8 > government ' s interfere, the intensity of tech - research and development by private section ca n ' t meet the need of " pareto optism " because of the " positive externalities ", as a result, the items of venture capital are insufficient and the development of venture captal will be pull back. rational policies of government expediture can internalize the " positive externalities " - transforming them to more revenue or less cost of the tech - research and development private suppliers. be feared of the high risk at the beginning of venture capital, the private section ca n ' t provide enough capital, the " capital gap " should be fetched up by government with equity capital, creditor ' s right capital, subcidy, at the same time, some other means, such as government purchase, credit guarantee, capital insurance, tax expenditure can promte private capital, is also important. in this part, the function of the above means, the establishment and enforcment of them are breafly discussed. because tax policies play a critical role in fiscal policy, r - y chart is used to analyse the relation between tax and venture capital, at last, a conclution is drawn : tax expenditure can promote venture capital
這部分論述從科技研發成果的「外溢性」入手，指出科技研發成果在不同程度上具有「公共品」性質，這種外溢性使得在純市場條件下，私人部門研發活動強度達不到社會資源配置最優的要求，也使風險投資項目來源不足， < wp = 6 >阻礙風險投資的發展。合理的政府財政支出政策可以使「外溢性」內部化。之後，論述了風險投資資本來源與政府財政支出政策的關系，由於風險投資尤其是其初期的高風險性，民間風險資本不足，應由政府以股權及債權投資、補助等財政直接支出方式彌補資本缺口，運用政府采購、財政擔保、保險、貼息、稅收優惠等間接支出方式，鼓勵民間資本進入風險投資領域也同樣重要。 -
Granted, the economy of the issuer of the financial liabilities is sophisticated and vibrant, and the rating agencies tell us the credit risk is as good as you can get
的確，這些金融負債的發行人位於發展成熟及充滿活力的經濟體系，評級機構告訴我們它們的信貸風險低得不能再低。 -
And then this text made the countermeasures of building credit risk management system : the first, good credit culture should be formed to build the cultural foundation of risk management of credit ; secondly, the structure of risk management should be improved to block up the loopholes of current risk supervision mode ; besides, credit collection system should be built as the guarantee because credit measure models needing accurate reliable datum ; most important, to achieve the revolution of credit risk management, credit risk models should be set up ; finally, chinese commercial banks need took measures to manage credit risks, including the adoption of asset securitization and credit derivative securities
最後是打造信用風險工程化管理體系的對策部分：首先是要構建良好的信用文化，打造信用風險管理的文化基礎；其次要構建全面的風險管理模式，完善信用流程監控漏洞；同時，度量模型需要準確可靠的數據來源，因此需要完善的徵信體系作為保障；最重要的，是建立先進的信用風險模型，實現信用風險量化管理的革命；最後還需要引入多樣的風險轉移手段，疏通信用風險緩釋渠道。 -
For advancing the core competition complicity and exploiting international market, this article quite systematic research credit risk measurement technology and management way, the main conclusion as following : analyzing several commonly used credit grading methods ’ good and bad points and their compatibility. facing to the characteristic with finance data lack in our country, using the grey systems theory, we propose one kind of credit grading method based on the degree of grey incidence in view of keeping away corporations ’ default, and gives the example analysis
本文圍繞提升商業銀行核心競爭力和開拓國際市場的實際需要，針對我國商業銀行信用風險管理中的關鍵問題，如信用風險度量技術和管理方式等進行了系統的研究，主要內容如下:分析了幾種常用信用評分方法的優缺點及適應性，為有效防範企業違約，針對我國金融數據少的特點，提出了一種基於灰色關聯度的信用評分方法，並給出算例分析。 -
However, this sort of loan has short time limit, small quantity and high rate, that influences the development of the small and middle - sized enterprise. there are two reasons for the shortage of the loan. the first reason is rest with the small and middle - sized enterprise : the small and middle - sized enterprise has not good credit condition, do not have good management records and permanent assets, the risk of management is big, the ability of competition is weak, the level of management is low and the consciousness of credit is dim. the second reason is rest with the bank
目前銀行對中小企業惜貸主要有銀行和企業兩方面的原因，其中銀行乃至整個社會大環境不是眾多中小企業所能左右的，因而本文提出通過建立中小企業信用互助來增加銀行對中小企業的信任水平、降低其對中小企業的風險厭惡程度，從而降低中小企業貸款利率、延長貸款期限、增加貸款額度，擴大其融資的可能性邊界，逐步解決中小企業的融資困境。 -
This paper deeply studied the exterior condition by analysis macro economy, finance environment, finance policy, the inter - bank competition, the effect of enter wto, credit setting, governing law supporting, sums up the integration effect to corporate banking business from the exterior condition. after that, this paper also studied the interior management and operation by analysis marketing propose, strategy combination, risk control, interior framework support, asset quality and vocation fabric. by this method, this paper makes analysis of the problem in corporate banking marketing of bank of china henan branch, and linking the enterprise reconstruction theory and banking reconstruction practice, this paper designs a reconstruction format of actualizing commercial bank marketing - customer manage ment system and gives a good case study
本文從宏觀經濟、金融環境、金融政策、同業競爭狀況、入世的影響、信用環境、法律環境等方面對河南中行公司業務開展市場營銷的外部環境進行了深入的分析，總結出了各種外部因素對河南中行公司業務的綜合影響；隨后從營銷的計劃及策略組合、風險控制、內部組織保障、資產質量及行業結構等方面對河南中行的內部管理及經營進行了分析，剖析了河南中行公司業務市場營銷中存在的問題，結合企業再造理論與銀行再造的實踐，設計了實施商業銀行市場營銷的可操作性的制度載體再造模式- - - - -客戶經理制，並進行了實證分析。 -
But statistically, the former manifests significant discriminant power while the latter does not. second, the above empirical results also show that the edf model has good performances in such developed countries as the u. s. a., etc, however, it is inappropriate to apply the edf model in china directly. third, the empirical formula in the new accord, which links the corporate default risk with corporate asset return correlation coefficient, cannot capture the credit risk of china ’ s listed companies very well
從中本文得到了如下的一些結論:第一，從直觀上看，基於會計信息的logit模型對我國上市公司的信用風險具有明顯的判別能力，基於市場信息的期權理論模型? edf模型也似乎具有一定的判別能力;但從嚴格的統計意義上來看， logit模型仍然具有顯著的判別能力，但edf模型的判別能力不明顯;第二，本文的實證結果同時也說明，雖然kmv公司提出的edf模型在美國等發達國家的應用具有較為良好的表現，但將edf模型直接應用到我國顯然並不適合;第三，新巴塞爾協議中將公司的違約風險與公司間資產收益率相關系數聯系起來的經驗公式也不能很好地捕捉中國上市公司信用風險方面的市場信息。
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