loan quality 中文意思是什麼
loan quality
解釋
貸款質量-
The commercial bank housing loan has the superiority in improving credit assets ’ quality comparing with other credit varieties, which is the basic reason that various commercial bank enlarges the investment in abundance at present, fighting for the housing market with all one ' s strength
商業銀行住房貸款在改善信貸資產質量和提高收益等方面與其他信貸品種相比，具有難以比擬的優勢，這是目前各家商業銀行紛紛加大投入、全力拚搶住房市場的基本原因。 -
Expounds the five main aspect of risk in national commercial bank, i. e. signal liability structure, bad loan quality, low capital efficiency, imperfect restriction on interior power, thin consciousness on risk avoidance ; summarizes five characters of the bank risks, including risk concentration, moral risk, risks caused by system structure, inequi ty between bank risks and revenues, aggrandizement trend of bank risks ; analysis eight reasons for bank risks, including proprietary ownership voidance, macroeconomic fluctuation, ineffective capita ] buffer mechanism, enterprise reasons. no synchronous fiscal investment and financial reform, incompetence law and regulation enforcement. chapter4 argues the opportunities and challenges of the financial globalization and requirement for bank risk managem ent. chapters suggests the methods for the risk management of national commercial bank
緊接著在第三章闡述了我國國有商業銀行風險的「五大表現」 ，即負債結構單一、信貸資產質量差、資本充足率低、內部控制機制薄弱、防範風險的意識淡薄；總結了我國國有商業銀行風險的「五大特點」 ，即風險高度集中、風險人為匿藏、風險的體制性、風險與收益嚴重不對稱、風險呈繼續擴大態勢；剖析了我國國有商業銀行風險形成的「八大因素」 ，即金融產權「人格」虛設、宏觀經濟波動、資本金等緩沖機制不健全、財政、投資和金融的體制改革不配套、法律和法規不健全等。 -
The apbf institution has business ability and policy information advantages in censoring, so the loan policy may have " inductive effect " on commercial financial organs ; ( 3 ) agriculture and rural economy are confronted with many puzzles and challenges, and the poor - quality condition of our agriculture has not changed for a long time. it can be explained that we have not made full use of our economic and financial instruments and that the scarcity of finances has been in such a high level. combined with policy and financing, apbf is the most suitable choice for government to protect agriculture ; ( 4 ) developing apbf is in need of deepening of the reform of financial system
究其原因，外部在於農村經濟體制改革滯后、農村金融體制改革反復不定、對農業扶持和保護的力度不夠；內部在於制度上的缺陷所致：一是缺乏管理和運營的法律制度；二是在於對農業政策性金融的經營成果的計算和組織管理比較困難；三是由於農業政策性金融要代替商業金融對存在外部性的農業進行投資，這種業務在中國本來就是商業金融盡力迴避的困難工作；四是特殊的政策性制度設計導致農業政策性金融信貸資產風險大；五是自主經營權落實不夠。 -
The econometrics model is put forward and we confirm that variables that human resource quality, loan quality the property right structure and so on ca n ' t be brought into in - put and out - put determine the affected way and degree of the bank efficiency
建立了計量經濟模型，明確人力資源質量、貸款質量、產權結構等不能納入投入產出的銀行特徵變量對銀行效率的影響方式和影響程度大小。 -
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。 -
Outstanding credit card advances, which have registered strong increases in recent years, declined in 2002, probably reflecting tightening of credit card issuance and lending policies alongside continuing deterioration in loan quality and weak consumer spending
面對貸款質素持續惡化及消費疲弱的情況，銀行收緊信用卡的發卡條件及貸款政策，因此近年大幅增加的未償還信用卡貸款于年內下跌。 -
This had a significant impact on the quality of the personal loan and credit card portfolios of ais
這種情況對認可機構私人貸款及信用卡業務的質素造成重大影響。 -
Allocation from quality education fund to help schools purchase notebook computers for loan to less well - off students
由優質教育基金撥款，資助學校購置筆記簿型電腦，供經濟條件較差的學生借用 -
And also we computer the universality, accrual and bank capital adequacy of the three samples respectively by the dea model. then taking the efficiency values as the dependent variables and the human resource quality, loan quality, the property structure, etc, as the independent variables, we make the regression analysis
利用可得樣本數據分全部銀行、國有銀行和新興銀行重新構造三個新樣本，並分別對這三個樣本測算了dea一般性、獲利性和資本適足性技術效率，分別以此效率值為因變量，人力資源質量、貸款質量、產權結構等為自變量做了回歸分析。 -
Raising students ' quality and perfecting education loan system
提高學生素質完善助學貸款 -
As the quality of the loan books of banks deteriorates, depositors confidence in the banks may be affected to the extent of causing bank runs and even a financial meltdown
由於銀行貸款帳冊的質素轉壞，存戶對銀行的信心可能會受到影響，更有可能會觸發擠提，甚或金融危機。 -
The loan quality of the negative equity rmls improved further, with the three - month delinquency ratio
此外，負資產住宅按揭貸款的質素進一步改善，其中拖欠 -
Secondly, the article deeply analyzes the process of the credit risk control and find out the cause of formation of credit risk and the problems with credit risk control and management form aspects as follows : client structure about credit, related motivation measures, process of operation of credit, pre - loan investigation, checkup for loan, loan operation examination, and management of current non - performing loans. the article then offers solutions for how to guard against and defuse the credit risk regarding the existing problems, so that we can improve the credit asset quality of xx sub - branch and strengthen the credit risk control. ultimately, the article discusses the systematical risk caused by macro - economical environment with which state - owned commercial banks are trying to cope and the prospects for improving macro - environment
筆者首先通過對xx支行的信貸資產質量、和不良貸款率等幾個方面的分析，揭示了該支行信貸風險的現狀，指出有效的控制信貸風險對該支行來說是一個十分重要而迫切的問題;其次對xx支行在信貸風險控制過程中的諸多環節進行深入剖析，找出該支行信貸風險的成因以及信貸風險管理和控制中存在和暴露的問題，著重從以下幾個方面進行分析:信貸客戶結構、相關的激勵措施、信貸業務操作流程、貸前調查、貸后檢查、以及目前不良貸款的管理;然後針對存在的問題，逐一提出了化解、防範信貸風險的對策，以提高該支行的整體信貸資產質量，鞏固和強化該支行的信貸風險防範和控制;最後從宏觀的角度，淺談了國有商業銀行應對宏觀經濟環境導致的系統風險的思路以及改善宏觀環境的展望。 -
At last the econometrics model is put forward and we confirm that independent variables that the property right structure, the loan quality, the scale of bank assets, the capital adequacy, the income of banks " middle product and so on. then taking the efficiency values computed as the dependent variables. the research conclusion : these factors including the property right structure, the loan quality, the income of banks " middle product and the capital adequacy have an apparent effect on domestic commercial bank efficiency
最後，本文建立了計量經濟學模型，對可能影響銀行效率的因素進行回歸分析。影響因素主要選取了資本充足率、不良資產率、產權結構、中間業務收入、資產規模，把這些影響因素作為自變量，用dea方法測量的銀行效率值作為因變量，進行回歸分析。結果表明：銀行產權結構、不良資產率、中間業務收入、資本充足率對我國銀行效率值有顯著的影響作用。 -
By synthesis analysis, sum up researcher network information resource need : ( 1 ) the degree of depends on library debase, ( 2 ) searching engine has become first channel to obtain specialty information, ( 3 ) database has turned into a tool in common use to inquire about electronic resource. ( 4 ) be short of full - text database is a problem to settle in the library, ( 6 ) quality, feedback and effective link are three important factors, which is evaluated searching system for user. ( 6 ) network reference need developing ulteriorly, ( 7 ) the need of interlibrary loan and document delivery is huge. ? personalized customization of information service exists some questions. ? ducational form of information users should diversification
通過綜合分析，總結出科研人員網路信息資源需求具體表現在：科研人員對圖書館的依賴度降低；搜索引擎成為科研人員獲取專業信息的首選渠道；數據庫成為科研人員查詢電子期刊經常使用的工具；全文數據庫缺乏是圖書館急待解決的一大難題；質量高低、反應速度和有效鏈接是用戶評價檢索系統三個重要因素；網上參考咨詢服務有待進一步拓寬；館際互借服務呼聲很高，但存在的問題不容忽視；實施個性化服務略有爭議，一些方面有待商榷；用戶培訓形式注重多樣化。 -
According to the bassel ' s agreement of new capital, and combined with the statue quo of the classification of loan risk of our state - owned banks, it is pointed out that the five levels of classification should be further streamed so that the changing process of loan quality can be clearly reflected and the tactics of good quality and good price which is priced according to the loan quality can be achieved
根據巴塞爾新資本協議，結合我國國有銀行業目前貸款風險分類的現狀，指出五級分類需要進一步細化，以便清楚地反映貸款質量的變化過程，真正實現根據貸款質量定價的「優質優價」策略。 -
As banking supervisor, the hkma s concern has to be the likely significance of negative - equity mortgages for the quality of the loan book of banks. we therefore organised more extensive discussions with a few banks that have experienced increases in such mortgages recently and arrived at the following explanation, which should enrich the interpretation of the figures in future
作為銀行監管機構，金管局所關注的必然是負資產按揭貸款對銀行貸款質素可能造成的影響，因此我們與幾間最近錄得這類貸款增長的銀行進行廣泛商討，並得出以下結論，對日後詮釋有關數字應有幫助。 -
Under the same agreement, hong kong will provide an interest - free loan of $ 2. 37 billion towards the construction of a $ 4. 1 billion closed aqueduct system for conveying water to hong kong to ensure a good raw water quality
根據同一協議，香港會提供23 . 7億元的免息貸款，用作興建一個耗資41億元的密封式輸水管道系統，以確保供港原水的水質良好。 -
Deposit insurance is also quite common now and so deterioration in the quality of the loan book of a bank with low capital adequacy is less likely to undermine the confidence of depositors and lead to a banking crisis
此外，存款保障制度現已頗為普及，因此當某一間銀行資本充足比率低而貸款質素又變差時，存戶信心受到動搖以致觸發銀行危機的可能性將會較小。 -
Uncertainties have affected loan quality and as a result drawn bankers " prudent consideration in giving credits
市場的不確定性增加，銀行的貸款質量也受到影響，發放貸款必須更加謹慎。
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