累積信貸 的英文怎麼說
中文拼音 [lěijīxìndài]
累積信貸
英文
cumulative credit-
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。Consequently, in order to promote the application of water - saving irrigation technology. it is essential that ( 1 ) to strengthen farmers " participation in irrigation technology construction and management ; ( 2 ) to introduce credit means and scientific research of high technology and low cost ; ( 3 ) to carry out policy of adjustment of agricultural water price and product structure accordingly ; ( 4 ) to form system of water - saving irrigation technology according to water resource reserves and farmers " economical endurance in different areas
為此，提出以下促進中國農業節水灌溉技術應用的政策建議： （ 1 ）加強灌溉工程建設和管理中的農戶參與。 （ 2 ）運用信貸手段和加強高科技含量、低成本的節水技術的科研投入等政府政府支持政策來激勵農產的技術需求。 （ 3 ）實行灌溉水價的結構性調整和農業生產結構調整相結合的策略，以便增強農戶技術改造的積累能力； （ 4 ）依據農業資源的地區性差異和農戶的經濟承受能力，分區域構建節水灌溉技術體系。China doesn ’ t make the practice of mbs, but it ’ s necessary for us to learn the pricing principles of mbs. chapter3 and conclusion point that china should make use of the easy but not accurate pricing methods, such as the pricing model of rate of maturity to evaluate the price of mbs at the beginning of mbs at the beginning of the mbs
結論部分指出了我國在mbs推行之初應以基於到期收益率的mbs定價法進行定價，待經驗數據積累充分，抵押貸款申請人個人信息的標準化資料收集完善，我們就可以採用精確程度較高的期權調整利差模型進行定價。Based on the data from ten projects, this dissertation draws a both economical and qualified conclusion that micro - finance plays a positive impact on empowering poor people, increasing family property accumulation, improving the income of poor households and promoting innovation of poverty and financial policy, and the micro - finance institutes are far from being sustainable under the current low - interest - rate policy
本文通過定性和定量分析得出結論：我國農村小額信貸是一種有效的扶貧方式，對貧困農戶獲得信貸機會，提高綜合經營管理能力，增加家庭收入和財產積累等方面均有積極的作用；同時對我國的扶貧政策和金融政策產生了深遠的影響。One instrument they have used has been sterilisation of the monetary consequences of reserve accumulations, to prevent the normal expansion of money and credit, overheating, inflation and so loss of external competitiveness
這些國家採用的手段就是「沖銷」外匯儲備累積對本國貨幣供應的影響，以防貨幣和信貸的正常擴張、經濟過熱、通脹以及外部競爭力喪失。Under the influence of many factors, state - owned commercial banks have accumulated heavy financial risk during the process of system reform and development
受多種主客觀因素的影響，中國國有商業銀行在改革和發展的過程中積累了大量的資本風險、信貸風險、利率風險和流動性風險。Secondly, from the bank ’ s angle, i try to find some ways to avoid and control the risks derived from the fluctuation of real estate industry by the bank ’ s reform and innovation. this paper follows these clues with questions below : ( 1 ) what ’ s role do banks play in the real estate price formation ? ( 2 ) what determinants do the real estate loans depend on
本文試圖從「房地產信貸風險如何形成」這一問題出發，結合國外對于房地產泡沫理論的研究，分析房地產市場、銀行信貸市場、監管者以及消費者等各參與方的行為，試圖找出銀行在發放房地產貸款過程中導致信貸風險積累的環節，並從銀行角度分析，如何通過自身的變革和創新規避和控制風險。Some statistics by basle committee shows that the average level of capital demand with operation risk in developed countries is only about 10 % of the total capital demand, which mean the operation risk does not sit at a important position
本文首先指出部分商業銀行「因噎廢食」的現實，在貸存比很低的情況下不去占領個人信貸市場份額。其原因就是我國商業銀行開辦個人信貸業務以來積累了大量的風險。分享友人