high-risk loan 中文意思是什麼
high-risk loan
解釋
高風險貸款-
Unqualified capital index, high liquidity debt ratio, high bad loan ratio and weak adaptive ability can induce liquidity risk
資本金充足率不達標、流動性負債比例過高、不良貸款比率居高不下、對宏觀環境變化應變能力不足都有可能誘發流動性風險。 -
Another type of risk, called purchasing - power risk, is the risk that, due to an unexpectedly high inflation rate, the future interest payments, and the principal of the loan when finally repaid, will have less purchasing power than the lender anticipated at the time the loan was made
另一種類型的風險稱為購買能力風險，這是由意外的高通貨膨脹率所引起的風險，即最後還貸時的本金和利息的購買力比惜出者當初放款時所期望的購買力要低。 -
Banks also favor personal real estate loan, which is characterized by low risk and high yield, for it ban help banks to adjust credit structures and improve assets quality
個人住房貸款因低風險、高收益的特性而成為銀行調整自身信貸結構、提高資產質量的新寵而倍受青睞。 -
Ultimately, the emphasis will be sound fundamentals, such as strong capital adequacy ; high liquidity ; prudent loan classification and provisioning, as well as sound risk management. " for 1998, higher provisions are expected but the local banks should still be able to report reasonable profits.
歸根咎底，監管的重點始終是放在銀行良好的基礎因素上，例如充裕的資本比率豐厚的流通資金審慎的貸款分級及充分的準備金調撥，以至完善的風險管理等因素。 -
Avoid high - risk investments, high - interest loan or heavy gambling behaviors. do not re - mortgage the house for loan or turn it into a gift to anyone
要避免高風險的投資組合高息貸款或經常賭博，更別將養老的住所或積蓄作財務擔保或饋贈親友等。 -
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。 -
High - risk loan
高風險貸款 -
However, with the quickly growth of the residential mortgage market, the lower and lower loan limits, and the change of the borrower from the high - income residents to the medium - and low - income, the bank has been increasingly subjected to the exposure of mortgage default risk
但隨著住房抵押貸款業務規模高速增長、貸款門檻逐步降低、貸款對象從金字塔塔尖轉向塔腰以及住房業主還款高峰期的臨近，銀行所面臨的住房抵押貸款的違約風險就日益突出。 -
Second, the commercial banks should constitute the systems that keep away the risk of student loan. third, the high - education - school should clasp with the commercial banks
（ 2 ）銀行應建立、健全助學貸款風險防範體系，擴大助學貸款發放主體和范圍，靈活掌握還款和收息方式，簡化助學貸款手續，降低助學貸款經營成本。 -
The scholars have discussed much about the problems of financial support system of high - tech industry. they are just limited in independent and individual discussion of financial modes, such as bank loan, risk investment and the government investment, and how does government implement special policy to support high - tech industry indirectly. but they did not analyze the financial modes systematically and wholly, and did not study the inertial effect of all financial modes
目前國內學術界關于高新技術產業化融資支持問題的研究較多，其研究重點主要集中在獨立地，個別地討論融資方式，如銀行貸款，風險投資，政府引導的財政投入等融資渠道，且多從政府如何實施優惠政策間接支持高新技術產業化，但卻未系統地、全面地分析高新技術產業融資方式的整合問題，也未深入探討各種融資方式的內在相互作用關系。 -
Mortgage - backed are commonly seen as a low risk and high earnings type of loan among the credit assets of commercial banks as a certain amount of interest and principle can be recovered each month that makes cash flow stable and that there is comparatively low risks in issuing these types of loans to individuals that use the houses they are paying off in installments as a loan guarantees
在商業銀行的信貸資產中，住房抵押貸款通常被視為一種風險小、收益高的貸款品種，一則每月可穩定收回一定金額的本息，現金流穩定；二則以個人按揭購買的住房為抵押，風險較低。 -
However, compared with that in developed countries, the consumption loan business in china has come to a bottle - neck, i. e., some hinderance which restrains its expansion such as the unsound social security system, the high cost on the banks ' part, the inefficient anti - risk measures, and, the most urgeut and weakest one, the lack of individual credit system. this essay makes a case study based on relevant data taken from a typical commercial bank
但與國外發達國家高速發展的狀況相比，我國消費信貸業務發展過程中出現了「瓶頸」 ，出現了一些制約消費信貸業務發展的因素：政策、社會保障體系不健全、銀行方面成本高、風險防範措施力度不夠等，最重要的制約因素? ?個人信用體系健全問題成了討論焦點。 -
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。 -
Risk management of the assets : ( 1 ) rate of capital sufficient can not be lower than 12 % for the foreign bank whose home country is in specially high credit risk, ( 2 ) liquidity management, consider rate management and other factors synthetically while exerting it ( 3 ) loan concentration degree management, stipulate the rational loan concentration degree rate, drop to 10 - 15 % ; set up extensive and concrete integrative measures
資產風險管理：資本充足率管理，應將母國為信用風險特別高的外資銀行的資本充足率提高到不得低於12 。流動性管理，將比率管理與其他對其產生影響的因素綜合考慮，加以管理。貸款集中度管理，規定合理的貸款集中度比率，降至10刁「建立廣泛具體的監控指標。 -
Thus, the bank should do well i n the liquidity planning management and the clients " loan requirement prediction ; strengthen the credit management and improve the credit capital quality ; adjust the capital structure, enhance the capital liquidity ; develop middle business and the business out of the asset and liability sheets by financial innovation ; strengthen the high level of civilization services ; intensify the research towards the marketable interest ratio and prevent the liquidity risk caused by the changing of interest rate
為此，該行應該做好流動性計劃管理，作好客戶流動性需求的預測；加強貸款管理，提高信貸資產質量；調整資產結構，增加資產流動性；通過金融創新，大力發展中間業務和表外業務；加強優質文明服務；加強對利率市場化的研究，防止利率變化引發的流動性風險。 -
The effective method to break the high risk of national student loan is to promote the model of national student loan under which the loan relys mainly on the loan from where the students come, and is supplemented by the loan from where the student study, meanwhile to build a coordinated mechanism of risk shifting and transforming and further optimize the environment of national student loan
摘要在全國范圍內推行以生源地貨款為主、學校所在地貨款為輔的國家助學貨款模式，並建立與其配套的風險轉嫁、轉變機制，進一步優化國家助學貨款環境，是目前突破國家助學貨款高風險這一「壁壘」的有效辦法。 -
The central bank suggested that commercial banks should optimize the loan structure, strengthen loan market and adjust loan decision, because most loans are lent to big companies and groups, which leads to high and uncontrolled risk
針對目前我國商業銀行在信貸業務中出現的投放過于向大企業、大集團集中和難以控制貸款發放中潛在風險的現象，人民銀行提出了督促商業銀行優化信貸結構、加強貸款營銷以及調整貸款決策的指導性意見。
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