最後貸出人 的英文怎麼說
中文拼音 [zuìhòudàichūrén]
最後貸出人
英文
lender of last resort-
With regard to the control of liquidity risk, the article proceeds with three mechanisms of control of liquidity risk that are reserve demand, deposit insurance and eventual accommodator
關于流動性風險的防範，首先給出了防範流動性風險的三種機制：準備金要求機制、存款保險機制和最後貸款人機制。Investors who have recently dumped asian shares may well kick themselves in a year ' s time. but then many of them are the same prescient investors who jumped into subprime mortgages
那些最近賣出亞洲股票的投資者在今後一年內可能會打自己的嘴巴。但是過去不也是這些有遠見卓識的投資人爭相進入那次級房貸中嗎。As to the reforms of international monetary system, the authors argues that the most two urgent things are to strengthen mechanism of the risk supervision by the bank for international settlements ( bis ) and to reform the function of lender of last resorts by international monetary found ( imf )
此外，考慮到國際短期資本流動風險的全球性和區域性特徵，本章還論述了國際貨幣體系改革的方向和亞太區域貨幣合作的進展的情況。對于國際貨幣體系改革，本文從務實的角度出發，認為應該強化國際清算銀行的風險監督機制和改革國際貨幣基金最後貸款人功能。China faces the problem of inefficient banks and weak banks unable to effectively exit from reality, the urgent need to establish appropriate mechanisms. weak banks difficult to exit from financial markets, states have to use appropriate treatment to deal bank crisis, to avoid failures, maintaining stable economic operation
在借鑒美國處理問題銀行的經驗后，本文提出我國應建立反應靈敏、渠道暢通的預警信息系統、對最後貸款人制度進行改革以及取消隱性存款保險制度，建立存款保險制度。Mr yam said that a formalised policy framework would also help the hkma itself to ensure speed and consistency in considering whether or not to extend lender of last resort support
任志剛表示，一個正式的政策架構也能讓金管局確保在考慮是否提供最後貸款人援助時，能夠迅速作出決定，並能貫徹有關的原則。At first, this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system, and established the system of personal credit evaluate ; the second, the thesis discusses the investment technique and strategy of national debt in the provident fund, and established the model about how to invest the national debt ; the third, the thesis build the forecast model about fund collecting and drawing, and make use of the combination invest theories to build model of individual loan and national debt ; at last, the thesis analyses the risk ' s inside reason of house funds with the risk type, and to give out the related suggestion to funds risk. mechanism. the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds
本文首先分析了個人住房貸款制度基本要素，即貸款期限、貸款利率與抵押物價值的比例、政府在個人住房貸款市場中的作用、貸款違約情況下的處置措施、個人住房貸款的流動性問題，並對中外製度作了比較，建立了個人信用評分評級體系和信用評估模型，並以重慶市住房公積金為研究對象做出了住房資金個貸風險評估的實證研究；其次，分析了影響國債價格走勢的因素，討論了公積金國債的投資技巧和策略，並建立了基於理論的國債投資組合模型；接下來，根據資產負債管理理論中的資金總庫法和資金分配法分析了公積金總體資金項目的來源和運用，並就此作了總量平衡模型，對住房公積金季度累計歸集金額作了直線回歸和季節趨勢比率預測，運用投資組合理論建立了公積金個人貸款和國債投資組合的最優化模型；最後，探析了住房資金風險的內在原因和風險類型，從資金籌集風險、信貸回歸風險、保險機制、法律風險和政策風險五個方面為住房資金風險防範機制建設提出了相關建議。The points of total assistant innovation, friendly circumstance and the perfects system of keeping away loan and lend risks, management loan and lend risks, supervision loan and lend risks, deal loan and lend risks, change loan and lend risks, elimination loan and lend risks and the ways of deal with those situations are firstly brought forward by me, likewise, i have attached importance to focus on these aspects in my research time
最後，論文通過對西方國家信貸風險管理的借鑒研究，提出了我國國有商業銀行信貸風險管理的整體構想。論文關于抓好綜合配套改革，創良好的外部環境及構建起信貸風險的防範機制、信貸風險管理機制、信貸風險的監測機制、信貸風險經營系統、信貸風險轉移機制、信貸風險的吸收機制的有機體系及其操作方式，是本人的主要工作所在和創新性工作的體現。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。Finally, it came up with a focus ? he counterplan hold by the government and the enterprise to the it ( especially computer ) : the government should seize the advantaged moment at present, make correct strategies of development, enforce macroscopic leading and controlling, consolidate government support, take a further step in settling and satisfying the strategies, ensure the important point of the development, give a government inclination, and make favorable terms in investment, credit, tax, technology importing, foreign capital utilization, etc ; the enterprise should produce a better investment environment for human resource, learn and use the rule in a flexible way, adjust the structure of property, set an innovation system of enterprise technology, enforce the development of its information management, try to strengthen the international competing power of the enterprise
最後，重點提出了我國it產業（主要是計算機行業）在政府方面和企業方面的對策：一、政府方面要把握當前的有利時機，制定正確的發展戰略；加強宏觀調控；加大政府扶持；進一步制定和完善it產業的發展戰略；確定發展重點，給予政策傾斜；在投資、信貸、稅收、引進技術、利用外資等方面給予優惠。二、企業方面要優化人力資源投資環境；學活游戲規則；調整產業結構；創建企業技術創新體系；加強企業信息化管理建設；努力增強企業國際競爭力。同時，筆者一方面通過國內幾個大型企業的成功個案，介紹了it企業現行的幾種做法；另一方面還借鑒了國外幾個it產業發達國家的發展經驗，從總體規劃和企業內部兩個部分提出了我國it產業今後的發展戰略。In 1998, the people ' s bank of china issued the administrative law of individual housing loans and allowed commercial banks to open individual housing secured loans, extend the loan term, which marked a new phase in the development of home financing in china. after this, the scale of granting home mortgages rapidly widened and the development was swift as by there year 2000, the balance of home loans at the china construction bank and the industrial and commercial bank of china broke through rmb 100 billion yuan, of which, individual home mortgages became the most important growth point for credit in the real estate industry
1998年，中國人民銀行出臺了《個人住宅貸款管理法》 ，允許商業銀行開辦個人住宅擔保貸款，延長貸款期限，這標志我國住房金融發展到一個新的階段，其後住房抵押貸款發放規模的迅速擴大，發展勢頭迅猛， 2000年，中國建設銀行和中國工商銀行住房貸款余額均突破1000億元，其中個人住房抵押貸款成為房地產信貸中最重要的增長點。The author concludes the article by putting forward the following innovative measures in the field of private wealth management services : ( 1 ) spreading the knowledge about wealth management at home, ( 2 ) modifying and improving the ranking criteria regarding customers, ( 3 ) rendering the long - existing wealth management services as original and appealing as possible, and ( 4 ) accepting derivative loans as a form of guarantee
在文章的最後，提出了發展國內理財教育、改進服務對象定位標準、加大老齡化理財產品創新力度和衍生貸款擔保功能這四種個人理財業務發展的創新建議。Fresh valuation report must be obtained if real estate market is volatile and / or there has been a downward slide in the real estate prices since last valuation, especially when there is a request for enhancement of credit limit from the borrowers
如果房地產市場不穩定以及或在上次估價後房地產價格出現下滑，特別是當借貸人提出增加信貸額度的要求時，必須取得最初的估價報告。By assuming responsibility over the interbank clearing system, the hkma also became responsible for the provision of last - resort lending to any banks experiencing day - to - day shortages of liquidity
金管局接手管理銀行同業結算系統后，也同時負起最後貸款人的責任，為暫時出現流動資金短缺的銀行提供貸款。Firstly, commercial banks should innovate organization institution and financial instruments ; secondly, banks must intensify cultivating interest rate risk management personnel promote the ability to predict long - term and short - term interest rate level ; thirdly, commercial banks should set up advanced pricing mechanism of loan and deposit ; fourthly, commercial banks must set up effective interest rate risk prevention mechanism
最後還提出了我國商業銀行應對風險的具體策略：第一、進行組織制度創新和金融工具創新；第二、加大利率風險管理人才培養，提高商業銀行對長短期利率的預測能力；第三、建立科學的存貸款定價機制；第四、建立有效的利率風險防範機制。分享友人