loan customer 中文意思是什麼
loan customer
解釋
借款人-
For the purpose of these conditions, securities shall include but not be limited to the following investments shares in companies incorporated in any jurisdiction ; debenture stock, loan stock, bonds, notes, certificates of deposit, commercial paper or other debt instruments, including government, public agency, municipal and corporate issues ; warrants to subscribe for the above investments ; depositary receipts or other types of instruments relating to the above investments ; unit trusts, mutual funds and similar schemes established in any jurisdiction, options, whether on any investment herein described, on currencies, precious metals or other assets, or an option on an option ; contracts for the purchase or sale at a pre - agreed price and at a future date of any investment herein described or any currency, precious metal or similar asset ; viii contracts for differences or contracts on indices ; investments which are similar or related to any of the foregoing ; and unless otherwise expressly agreed, documents of title or documents evidencing title to investments previously deposited by the customer with the bank in connection with the provision by the bank of custody of investments and provision of securities services
此等條件所指的證券包括但不限於以下投資項目i在任何司法管轄權區注冊成立之公司之股份ii包括由政府公共機構市政府及企業所發行的債權股證貸款股額債券票據存款證商業票據或其他債務票據iii以上投資項目之認購權證iv有關上述投資項目之存款收據或其他種類之票據v在任何司法管轄權區成立之單位信託互惠基金及類似計劃vi上述之任何投資項目貨幣貴金屬或其他資產之期權或期權之期權vii按預先協定價格及在將來日期買賣任何此等投資項目或任何貨幣貴金屬或類似資產之合約viii差價合約或指數合約ix類似或有關上述任何一項之投資項目及x除非已另有明確的協定，客戶先前存放在本行之投資項目之所有權文件或可證明該等項目的所有權的其他文件。 -
Chinese banking begin and try and set up as far back as 1996 " award letter, examine loan separate, hierarchical examination and approval, responsibility clearly demarcated in unison " award letter management system, introduced customer ' s credit rating system and loan risk categorized system again later, make loan authorize system and customer award letter management method in unison, pursue customer award letter manage in unison all - sided
中國銀行業早在1996年就開始嘗試建立「統一授信、審貸分離、分級審批、責任分明」的授信管理體制，后來又引進了客戶信用評級體系和貸款風險分類制度，制定了貸款授權制度和客戶統一授信管理辦法，正在全面推行客戶統一授信管理。 -
According to regulation and detailed rules and regulations regulation, the foreign bank branch should be miscellaneous and trivial registering for corporation organization requires that the course is strict examining and approving procedures, be confronted with net hardware facilities deficiency after registering successfully, must not exceed corporation registered capital ' s 10 % for loan of important customer, be having no way to contend with in the homeland banking institution for the time being on thick profit retail business but after becoming corporation organization
按照條例和細則規定，外資銀行分行要注冊為法人機構需要經過嚴格繁瑣的審批手續，注冊成功后還面臨著網硬體設施不足，而成為法人機構后給大客戶的貸款不得超過法人注冊資本的10 % ，在利潤豐厚的零售業務上暫時還無法與國內金融機構抗衡。 -
In order to make the research of this paper more practicable, the paper combines the actual situation of market - oriented interest rate of china, compares and analyses the base leading rate affixation model, the cost plus pricing model, and the customer profitability analysis model, which are all very popular abroad. based on this, and according to the basic principles of lending pricing, the paper introduces the concept of loan - term compound interest, and constructs a lending pricing model on " the mobile choice between cost and market price ", which is practicable under the condition of market - oriented interest rate
為使本文的研究更有實踐意義，本文結合中國利率市場化趨勢，比較分析了國外普遍採用的「基準利率加點」 、 「成本加成」 、 「客戶盈利分析」等貸款定價模式在中國的適用性，並在此基礎上，根據貸款定價的基本原則，引入貸款期限復利概念，構建了利率市場化條件下具有實際可操作性的「成本與市價相機訣擇」的貸款定價模型。 -
How to design the operating strategies focused on loan are very important to all commercial banks, especially to chinese commercial banks. this paper discuss the problem mentioned above and based on the theories of management strategies, operating theories of commercial banks and banking regulations, according to the relationship between return and risk, following the number of customer and risk level, give 4 operating strategies ? non price strategy, costumer cultivating strategy, network harvesting strategy and network cultivating strategy
本論文結合有關戰略管理理論、商業銀行的經營理論和國際銀行業有關管理規則，以提高收益和規避風險為出發點，按照單個客戶和客戶群的不同及客戶風險度的高低，分析總結國際大型銀行的戰略管理經驗，提出了相應的非價格戰略、企業培育戰略、網路收獲戰略、網路培育戰略。 -
While our customer services provided by relationship managers will not be affected, the teller services will be discontinued on saturdays, including banking services, travelers cheque, card mortgage loan payment in cash, card pick up, emergency cheque cashing and foreign exchange
期間客戶經理所提供之客戶服務將不受影響，惟以下之櫃員服務將會于星期六停止，包括銀行服務旅行支票現金繳付運通卡賬項按揭貸款及其他貸款領取運通卡緊急私人支票兌換服務及以外幣兌換。 -
And there is the added flexibility for giving priority to meeting other expenses than servicing the loan secured on the property, should the situation arise, as long as the customer works within the overdraft limit
此外，這項安排還具有靈活性，只要客戶不超出透支限額，便可以在有需要時選擇先行應付其他支出，而暫停償付按揭貸款。 -
A customer having a loan outstanding with the bank tends to increase the probability of his continued patronage.
顧客在這家銀行有未償還的貸款，則傾向于繼續光顧這家銀行。 -
Cost - plus loan pricing, price leadership, and customer profitability analysis are the three main methods of loan pricing in foreign banks
摘要國外銀行貸款定價方法主要有成本相加法、價格領導法、客戶盈利性分析法等三種模式。 -
Customer profitability loan pricing
客戶的贏利能力和貸款定價 -
The bank may at its sole discretion and on such terms as the bank shall think fit grant overdraft, loan or other credit facilities or accommodation to the customer with or without limitation and with or without security
本行可按其絕對酌情權及按其認為適合之條款，亦不論有否限額或抵押，向客戶提供透支貸款或其他信貸便利或融通。 -
First of all, this essay introduces the basic theory, the principle and the goal of the loan pricing of commercial bank. then, according to our country actual situation, this paper gives two pricing models : cost - plus pricing model and the customer profitability analysis model by learning from the western commercial bank ' s tradition loan pricing model, by the guidance of economic capital the modern bank risk management core technology
本文首先論述了貸款定價的基本原理、貸款定價的原則和目標，然後借鑒西方商業銀行傳統定價模型，結合我國實際情況，以現代銀行風險管理的核心技術經濟資本為指導，給出了適合我國的商業銀行貸款定價模型，即針對一般客戶的成本加成模型和針對重要客戶的客戶盈利分析模型。 -
There are three mature models for loan pricing, including cost plus model, price leadership model, and customer profitability analysis model. each of them has its own advantages and disadvantages. therefore, we could not replace one with another
國外比較成熟的貸款定價模式包括成本加成模式、價格領導模式和客戶盈利能力分析模式，每一種模式都有各有優缺點，不能互相替代，但人們在使用某種模式時可以將另外一種或兩種模式結合起來配套使用，做到優勢互補。 -
Then according to the physical circumstances of consumption loan service faced by floor banks in china, twelve credit risk evaluation indexes are inducted directly toward the customer who will have the contract of credit risk loan. these twelve credit risk evaluation indexes include 5 continuous indexes : age, residential time, employment time, annual income, financial assets, and 7 discrete indexes : employment industry, educational qualifications, professional qualification, bank deposit, house case, means of communication, insurance case
其次，根據我國面向基層銀行消費信貸業務實際情況，歸納出了針對信用貸款客戶信用評估標準的十二個評估指標，包括年齡、居住年數、就業年數、年收入和金融資產五個連續性指標和就業產業、學歷、職級、銀行存款、住房情況、交通工具和保險情況七個離散指標。 -
The customer business documents include guarantee slip agreements, insurance bills, loan notices, insurance notices and mails
客戶交易文件包括保單合同保險批單借入通知保險金通知和信函。 -
Article 14 a securities firm conducting securities business money lending shall sign and execute a loan contract with the customer
第14條證券商辦理證券業務借貸款項，應與客戶簽訂借貸款項契約書。 -
When a customer or company has a loan granted to them by a bank, they are contractually obligated to repay this loan with interest
當客戶或公司獲得了一筆銀行貸款時，根據合同他們有義務連本帶利償還這筆貸款。 -
The data analysis of the chinese situation shows there exists the loan customer relationship after the banks being on the way to commercialization. the existence of the loan - customer and the inter - bank competition is the dominant reason making the loan turn sour
在這一部分的研究中，探討了銀行的行為理論，貸款與客戶管理理論和銀行競爭行為理論，並運用我國銀行的有關統計數據作了實證分析。 -
Require credit providers to take practicable steps to give prior notification to customers of their intention to make a " review " access to their credit reports unless the " review " is a customer initiated request, or the " review " access relates to an obligation of an existing loan restructuring arrangement concerning debts owed by the customer
D ）規定信貸提供者採取切實可行的步驟，事前通知客戶，他們欲以檢討理由查閱其信貸報告，除非檢討要求是由客戶主動提出，或檢討查閱與借款人現有債務重組安排的責任有關。 -
These include assessing new credit applications from customers, facilitating an existing loan restructuring, arranging a scheme of arrangement at the request of the customer, or setting up a loan restructuring arrangement where there is a default in excess of 60 days. the guideline also provides that when the information obtained from the cra reveals that a customer has an unmanageable level of indebtedness and might have genuine difficulty in repayment, ais should not hastily demand immediate repayment of loans or reduce credit lines
指引亦規定，如從信貸資料服務機構取得的資料顯示某客戶所欠債務可能已超出其可以應付的水平，而該客戶可能確實有還款困難，認可機構不應倉卒要求客戶即時還款或減少信貸額度，而是依照香港個人財務困難處理守則所定的指引，盡量與客戶達成雙方可以接受的解決方案。
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