最低銀行利率 的英文怎麼說
中文拼音 [zuìdīyínhánglìlǜ]
最低銀行利率
英文
prime interest-
The basic of bringing the money rate in the market into play is that the action of the commercial banks has to reflect the scale and composition of the currency supply in the market through high or low rate of deposit - loan
商業銀行是資金運行的中心，市場利率發揮作用的基礎是商業銀行的行為必須通過存貸款利率高低反映出市場資金供求的規模和結構。沒有商業銀行制度的根本改革，市場利率的運行就沒有最重要的主體。The bank made it clear that it was not aiming to bring down three - month lending rates, which are the markets ' most acute pressure point
銀行清楚地表明其意並非拉低三個月拆出利率這一貨幣市場最靈敏地壓力點。Finally, banks receiving government deposits offer more favorable prime rates due to their lower costs
最後，有代理公庫存款的銀行會因其較低的資金成本而能提供較優惠的基本放款利率。For different types of banks, regional banks have the highest prime rates and new commercial banks have the lowest ones
以銀行類型區分，區域銀行在基本放款利率訂價上為最高、舊銀行次之，新銀行則最低。In fact, soes with low pa usually take the policy of maximizing the bank debts
而資產盈利率低下的國有企業其最優決策是銀行債務的最大化。Banks rely on the interest spread for 85 - 90 % of their profits, so the continued squeezing of the spread, along with the ten minimum reserve hikes this year, should have two impacts : it will put serious pressure on bank profitability next year, and it will create strong incentives for bankers to lengthen loan maturities
銀行有85 - 90 %的收益是依賴于利率差額的，繼續擠壓差額並同時於今年提高十點最低準備金率，會產生兩個沖擊：給明年銀行收益能力增加巨大壓力，並且會極大的刺激銀行延長貸款期。The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate
論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。First, introduce the reasons and character of current banking m & a, then summarized the former studies of the three ways of m & a to efficiency gaining : size versus size economy, m & a versus banks efficiency, and m & a versus shareholders wealth. then introduce the research approaches of m & a efficiency gaining, especially the approaches of m & a versus banks efficiency, such as parametric frontier approaches and non - parametric frontier approaches. in the following, through roe model and dea model to study the relations between size and efficiency, finding : middle size banks efficiency is higher, larger banks have n ' t scale economy, small banks have low em, and through directly analyzing m & a efficiency of four commercial banking m & a case in china, finding : the past - merged efficiency of shanghai pudong development bank has been improved, and others have been deduced, but after three years the efficiency increased little by little
首先，分析了當前銀行並購的主要原因、特徵以及我國銀行並購的現狀與特點；接著對銀行效率水平的概念進行分析，綜述了國外對銀行並購與效率獲利的三方面的研究（考察銀行的規模與效率這種間接方式、比較並購行並購前後的效率以及並購行與非並購行的效率和考察上市銀行並購前後股東財富的變化這兩種直接方式）的有關文獻；再次對銀行並購與銀行效率獲利的分析方法進行了介紹，其中詳細地研究了前沿分析法：參數分析法和非參數分析法，並指出了這些方法的特點；然後運用財務比率分析法和dea方法對我國商業銀行規模與效率從間接角度對銀行並購產生的效率獲利進行了實證研究，結果發現：中等規模的商業銀行的效率最佳，而小規模的銀行的em值較低，同時大規模的商業銀行的規模無效；同時利用我國已發生的四個銀行並購案從直接的角度對我國商業銀行並購的效率獲利進行分析，結果發現：除上海埔東發展銀行在並購後效率提高，其他三家銀行並購后的效率都有所下降，但並購后第三年效率又逐漸回升。The first is simply for it to be repaid by the borrower. the reduced mortgage loan then becomes fully secured and so the bank is more willing to charge the lower, prevailing market interest rate
最簡單的是借款人償還該部分的貸款，貸款額減少，按揭便變為有十足抵押，銀行自然會比較樂意將按揭利率調低至目前的市場利率。Major banks including bank of american, wachovia and wells fargo soon followed with cuts in their prime rate. this is what banks charge their best customers
包括美國銀行，瓦喬維亞銀行和富國銀行在內的各主要銀行，馬上跟著調低了他們的基準利率，基準利率是銀行為他們最佳客戶提供的利率。The bundesbank cut its discount rate 3. 5 %, the lowest level in seven years
德意志聯邦銀行將利率下調到七年來最低的3 . 5 % 。This reduction in the cost of financial intermediation through the banking channel has been manifested most obviously in the mortgage market, where, over a period of about four years, the mortgage rate relative to prime has come down by about four percentage points
年間按揭息率相對最優惠利率下調約4個百分點，已可清楚看到中轉資金的成本在銀行體系的渠道如何得以減低。" the increasing proportion of loans in negative equity being priced at below prime reflects the fact that the banks have been willing to refinance or restructure loans for homeowners in negative equity.
盡管如此，負資產住宅按揭貸款未償還總額並沒有上升。負資產貸款的利率低於最優惠利率的比例不斷增加，反映銀行樂意為負資產業主轉按或重組貸款。Banks in hong kong lowered their best lending rates by 25 basis points on 8 november 2006. the savings and time deposit rates also decreased by 25 to 28 basis points
香港銀行在月日調低最優惠貸款利率基點，儲蓄及定期存款利率亦下跌至基點。Lastly, it analyses the management methods of credit risk, market risk and operation risk of our commercial banks : in the section of the credit risk, it begins with risk recognition, introduces the difficulties of establishing the internal ratings - based approach of our commercial bank and puts forward the management thinkings from the five respects : the setup of irb, credit culture establishment, the modification of information announcement, the innovation of credit management tools and improvement of the capital adequate rate. in the section of market risk, it introduces the reason of strengthening its management of the whole world and our country, analyses the most important method - var and then discusses its operation inour country commercial banks. in the section of the operation risk, it defines the internal meaning, analyses the different measure means, points out current pressure of our commercial bank ' s facing and finally proposes the rightful operation risk management tactics combining the actual situation of our country
首先是對新協議本身的研究，介紹了巴塞爾協議的邏輯演進、新協議的主要內容及主要特徵；其次從最低資本要求、監督部門的監督檢查和市場約束三大支柱入手，分析新協議對我國商業銀行風險管理可能產生的不利影響；最後分析了新協議框架下我國商業銀行信用風險、市場風險和操作風險的管理思路：信用風險部分從對其的識別分析入手，介紹了我國商業銀行建立內部評級法的必然性，最後從內部評級體系的構建、良好信用管理文化的建立、信用風險的信息披露改進、信用管理工具創新和提高資本充足率、構建統一的風險管理組織結構六個方面提出了我國商業銀行信用風險的管理途徑；市場風險部分介紹了全球以及我國加強其管理的原因，對當前市場風險管理的主流方法? ? var方法進行了詳細的闡述，並進而對var方法應用於我國商業銀行市場風險管理中的若干問題進行了探討；操作風險部分在正確界定其內涵的基礎上，重點分析了各種計量方法，並指出現階段我國商業銀行加強操作風險管理的緊迫性，最後並結合我國的實際情況提出了合理的操作風險管理策略。A 25bp cut in the fed funds rate, possibly with a steeper cut to the higher discount rate, at which it lends to banks, looks the most likely prescription
看起來，美聯儲最可能開具的藥方是：聯邦基金利率降低25個基點，並可能更大幅度降低其貸款給各銀行所依據的較高的貼現率。" the fact that half of the loans are being charged below blr may have reflected the increased competition in the residential mortgage market, under which banks are more willing to discuss mortgage terms with loan customers, " said mr choi
蔡耀君說：半數的負資產按揭貸款按低於最優惠利率計息，可能是因為住宅按揭市場競爭日趨激烈，令銀行更願意與貸款客戶商討按揭條款。To take one example, emerging - market bond spreads ( the excess yield over american treasuries ) are close to all - time lows, according to morgan stanley, an investment bank, whereas emerging stockmarkets trade at their usual discount to developed - world shares
舉個例子，投資銀行摩根?士丹利宣稱新興市場債券息差（收益率超過美國國債收益率的部分）接近於有史以來最低點，但是新興股票市場對發達世界股票的交易仍按他們通常的折扣。Margins therefore narrowed during the second half of 1997. the margin between blr and 1 - month hibor averaged 100 bp in the second half of 1997, down from 300 bp in the first half table 2
這種情況導致息差於一九九七下半年收窄，最優惠貸款利率與一個月香港銀行同業拆息之間的差距平均為100個基點，較上半年300個基點為低表二。The hkma notes that different banks have been responding to deregulation in different ways with regard to their charging policy for account services, minimum balance requirements and tiering of interest rates
金管局注意到為配合撤銷利率限制的措施，不同銀行在戶口服務收費政策最低結餘要求及分級釐定利率方面都作出不同的回應。分享友人