weak loan 中文意思是什麼
weak loan
解釋
低質量貸款-
Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as ( 1 ) the loan pricing not been involved in the decision mechanism of credit ; ( 2 ) lacking of risk price ration system ; ( 3 ) mismatching between the interest rate and the risk of the loan items
由於長期的利率管制，我國商業銀行的貸款定價管理十分薄弱，主要體現為貸款定價未被納入信貸決策機制中；缺乏定量化的定價系統；利率浮動的幅度未能反映借款人的信用水平及貸款項目的風險程度。 -
Study suggests the main constraints of individual housing loan : lower ability of accepting loans ; defects of financial market ; weak governmental support ; unideal external environment. consequently, the paper put forward solutions to improve individual housing loan : increase inhabitants " income and improve their ability to accept loans. increase real monetary income and decrease housing prices and taxes as well
從絕對量上來看居民收入水平低；從相對量來看是房屋價格過高，居民收入與房價的比例過高，遠遠高於國際通行標準，也遠遠超出了居民的承貸能力范圍；從住房供給結構上來看，高檔住房供應過多，與居民的實際需求不符； （ 2 ）住房金融市場體系缺陷。 -
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。 -
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。 -
Rather than competing aggressively to expand their loan books in a weak economic environment, banks generally shifted their strategies to focus on diversifying revenue sources to treasury business, fee - based financial products and wealth management
面對疲弱的經濟環境，銀行改變策略，放棄積極競逐貸款業務，轉而集中發展資金管理業務、收費金融產品及財富管理等，以拓展收入來源。 -
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。 -
" although the mortgage delinquency and rescheduled loan ratios improved slightly, banks should remain watchful of the quality of their mortgage portfolios in view of the weak economic environment, " said mr david carse, deputy chief executive of the hkma
金管局副總裁簡達恆表示：在目前疲弱的經濟環境下，盡管按揭貸款拖欠比率及經重組貸款比率輕微改善，銀行仍須繼續提高警覺，注意本身按揭貸款業務的質素。 -
The banking sector remains strong and resilient, despite the profitability of banks is squeezed as a result of weak loan demand and intensified competition
由於貸款需求疲弱，加上競爭越趨激烈，令銀行盈利收窄。盡管如此，銀行體系仍然保持穩健。
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