消費借貸 的英文怎麼說

中文拼音 [xiāobìjièdài]
消費借貸 英文
loan for consumption
  • 消 : 動詞1 （消失） disappear; vanish 2 （使消失; 消除） eliminate; dispel; remove 3 （度過; 消遣） pa...
  • 費 : Ⅰ名詞1 （費用） fee; expense; expenditure; dues; charge 2 （姓氏） a surname Ⅱ動詞（花費; 耗費） ...
  • 借 : 動詞1 （借進） borrow 2 （借出） lend 3 （假託） use as a pretext 4 （憑借; 趁著） make use of; t...
  • 貸 : loan
  • 消費 : consume; consumption消費城市 consumer city; 消費貸款 consumer loans; consumption credit; 消費方式...
  1. The rapid development of the housing financial transaction with the commercial bank housing consumption credit as its representative greatly enhances the consumers ’ purchasing house payment ability, and housing consumption credit has been the major means to purchase their houses

    從借款方、貸款方、開發商等外部環境分析了影響住房消費信貸的因素，包括居民收入因素、住房價格因素、貸款利率因素、貸款手續因素、消費意識因素、產品服務因素、政策環境因素等方面。
  2. Consumer loan rates tied to the prime rate, such as those on many credit cards and home equity loans, may rise as well

    消費借貸利率，如很多信用卡和房屋凈值借貸，利率也相應提高。
  3. This center mainly solves the problems of emv transfer, intelligent ic card issuance and issuance for increasing e - wallet application. its advantages lie in combining card - issuing of emv debit & credit application and e - wallet application in one time so that cost of recall reduces and meanwhile card e - wallet application increases ( small amount wallet and the consumption score - accumulation purse. ). it raises the card efficiency

    該中心主要解決emv遷移發行智能ic卡增加電子錢包應用的發行，其優勢在於將emv借貸記應用與電子錢包應用一次發卡完成，降低了卡片回收成本同時又增加了卡片電子錢包應用（小額消費金融錢包、消費金額積分錢包） ，提高了卡片的使用率。
  4. Chapter 2 : development of theories and practice of consumer credit chapter 3 : development and problems in domestic consumer credit business chapter 4 : solutions to the consumer credit business in china consumer credit substantially alters the ideology and operation model of commercial banks in china, and we are looking forward to the growth of domestic commercial banks into internationally competitive modern banks

    第二章：消費信貸理論和實踐的發展。第三章：我國消費信貸的發展及存在的問題第四章：借鑒國際經驗發展我國消費信貸的對策消費信貸是商業銀行經營理念與經營方式的一個重大變革，我們期待著國內商業銀行真正成為具有國際競爭優勢的現代銀行。
  5. This paper compares the development circumstances and status between foreign and domestic consumer credit business, introduces relevant foreign experience and puts forward suggestions and solutions in the followings including : improving the domestic circumstances, strengthening the analysis and marketing of the consumer credit market, building individual credit system, improving efficiency with better service, and controlling credit risks

    本文通過比較分析國內外消費信貸的發展環境、發展狀況，借鑒國外相關經驗，從改善國內消費信貸開展的環境；加強對消費信貸市場的研究分析和營銷工作；加強個人信用制度建設；發揮科技優勢，提高工作效率，提供優質服務；防範和轉移消費信貸風險等方面提出了若干發展我國消費信貸的建議和措施。
  6. A model for risk control and avoiding should also be designed in a fashion favorable for marketing, helping to solve this practically significant problem by balancing the double goals well. the goals of market expansion and of risk control, instead of receiving separate care, have to be taken into a balanced consideration in the theoretical analysis of consumer credit business. only by so doing can roots of risks be gripped

    最後，在設計出與風險控制相協調的消費信貸營銷機制的基礎上，筆者從消費信貸業務實務操作的微觀層面出發，針對控制消費信貸風險，在借鑒西方發達國家大型商業銀行的信用評估模型基礎上，嘗試設計適用於我國的消費信貸信用評估模型，最後從政府的角度討論營造有利於消費信貸發展的外部環境問題。
  7. The article first introduces practice experiences of other countries ; then according to facts of our country, discuss feasibility of use of securitizition in consumer credit and design the basic flow of securitizition of asset in consumer credit. finally, the article analyzes problems of securitizition of asset in consumer credit of today. at the same time, the author gives some pieces of advice

    本文寫作目的就是為了解決消費信貸發展容易導致銀行資產流動性不足的問題，文章通過借鑒國外的實踐經驗，結合我國的實際情況，探討了證券化在消費信貸中運用的可行性，設計了消費信貸證券化的基本流程，並在我國的現實背景下剖析了證券化面臨的難題，提出了一些對策建議。
  8. In this article, the definition of consumption credit is that the loan to personal and family consumption offered by credit institutes

    這樣就區分了生產消費與生活消費、個人之間的借貸及非借貸。
  9. New york time commentary, for example, said dollar weakness is rooted in the borrow and spend behavior of the government and the public

    紐約時報則舉例聲稱，疲軟的美圓是基於美國政府和公眾的過分借貸和超前消費的影響。
  10. The currently established personal housing loan types include personal dwelling housing commercial loan, personal commercial housing loan, personal housing accumulation fund loan, personal housing combination loan, out place in the country dweller housing loan, personal housing loan provided for bidding house purchaser, personal housing loan with secondary transaction, personal housing transfer loan and so forth. in addition, there are personal housing loans supporting the “ live with comfort project ”, “ economical and applicable house ”, “ 21st century well - off housing example village project ”

    總結了現階段我國住房消費市場存在的主要問題表現在:借款方對于房價的承受能力不足;居民的超前消費意識較弱;開發貸款與消費貸款相脫節;缺乏風險轉移機制;借款方和貸款方的信息不對稱;現行的住房公積金制度尚未完善;房地產開發項目存在開發商陷阱等方面。
  11. Personal credit institution results in lowering the transaction cost of consumer credit, and provides the commercial banks for developing consumer credit with the institution condition for assessing the borrowers, exerting credit monitor and controlling the risk of the consumer credit through the sharing mechanism of the personal credit information and the punishing mechanism of it to the defaulter

    個人信用制度的作用在於降低消費信貸交易成本，並通過個人信用信息共享機制和對違約者的懲戒機制，為商業銀行發展消費信貸提供評估借款人、實施信貸監管和控制消費信貸風險的制度基礎。
  12. The bad news : banks had no competitive incentive to learn proper risk management, or to introduce modern retail banking or consumer lending

    壞的則是銀行沒有競爭動機去學習風險管理，引入現代零售銀行或者消費借貸。
  13. On the other hand, the author draws a conclusion that this system is feasible from our country ' s reality - the development of credit economy, the improvement of personality of natural person, the rising of consumed debit and credit, and the evolvement of legislative tradition

    另一方面，從我國現存的實際情況，如信用經濟的發展、自然人人格的完善、消費借貸的上升以及立法傳統的影響等得出結論：自然人破產制度是切實可行的。第三部分具體建構了我國自然人破產制度。
  14. “ this age group exhibits the fastest growth rates of consumption, constitutes most of the first - time buyers of housing and borrows most of the money which is lent to households in an economy

    「這一年齡組展現最快的消費增長率，擁有多數首次購房者，並借貸大部分發給家庭的貸款。 」
  15. Personal short - term petty loan is referred to the rmb unsecured loan with no need for guarantee provided to the borrower by the lender, used for meeting the temporary consumption needs, the term of which shall be within 1 year and the quota shall be less than rmb 20, 000 yuan

    小額短期信用貸款是指銀行為解決借款人臨時性的消費需要發放的期限在1年以內、金額在2萬元以下、毋需提供擔保的人民幣信用貸款。
  16. Today ' s banking industry pays special attention to the expected income of the potential borrower. most banks discarded the commercial loan theory that once dominated the banking theory in the history. they make personal loans to consumers based on the theory of the expected income of loan

    消費信貸是拉動經濟快速增長的銀行產品，今天的銀行業特別注重潛在借款者的未來或者說預期的收入，大都拋棄了歷史上在銀行業理論中曾占壟斷地位商業貸款理論，大多數銀行根據貸款的預期收入理論對消費者貸款實行個人授信，這種新的消費方式使銀行豐富了貸款種類，本文主要涉及個人住房貸款以及個人汽車貸款。
  17. Chapter two, points out on the basis of assessing etc. the defining of relevant concept for credit, personal credit, credit not merely means the simple credit activity and credit relationship, and the debt paying ability with monetary debit and credit sides person, honoring an agreement and is written down, keeps one ' s word in many kinds of meanings, such as degree and social prestige of taking shape from this, etc. ; personal credit is assessed and played an essential role in the development of the consumptive credit

    第二章，在給出信用、個人信用評估等相關概念的界定的基礎上指出，信用不僅指簡單的信貸活動和信用關系，而且含有貨幣借貸者的償債能力、履約記錄、守信程度及由此形成的社會信譽等多種意義；個人信用評估在消費信貸的發展中扮演了至關重要的角色。
  18. The result of the analysis of the model in this article shows, the commercial banks of china would face the dilemma hi the design of restrictive covenants of consumption credit after the period of the rapid increase of consumer loans under the condition of the restrictive interest rate of consumer loans

    本文的模型分析表明，在消費信貸利率限制的條件下，在消費信貸經過一段時間的高速發展后，中國商業銀行將面臨消費信貸合約設計中的困境。中國商業銀行無法根據借款人的風險類型設計出分類式消費信貸合約來，所以實行單一合約，並要求較高的擔保。
  19. As a matter of practice standard form contract are widely used in housing loans, and it is recognized that this practice likely will continue

    住房消費信貸合同在這里僅指借款合同，由於其作為格式合同的特殊性，有必要加以專門立法規制。
  20. Firstly, we think over how to take an all - round view of the positive and negative influence in consumption credit development, and how to analyze and use the successful experience of the developed countries for reference. consumption credit plays a positive role obviously

    一、如何全面認識發展消費信貸業務的積極作用和消極作用，科學地分析和借鑒發達國家的成功經驗消費信貸業務對經濟增長的積極作用較為明顯，理論界對此的認識也較為充分。
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