融合不良 的英文怎麼說

中文拼音 [rónggěbùliáng]
融合不良 英文
poor hot melting
  • 融 : Ⅰ動詞1 （融化） melt; thaw 2 （融合; 調和） blend; fuse; be in harmony Ⅱ形容詞[書面語]1 （長遠; ...
  • 合 : 合量詞（容量單位） ge, a unit of dry measure for grain （=1 decilitre）
  • 不 : 名詞[書面語] （剁物所用的木墩） a block of wood
  • 良 : Ⅰ名詞1. （善良的人） good people 2. （姓氏） a surname Ⅱ形容詞（好） good; fine; nice Ⅲ副詞（很） very; very much; indeed
  • 融合 : fuse; mix together; anastomosing; reconcile; harmonize; compromise; amalgamate; coalesce; coalesc...
  1. While changes in reserve requirements can affect short - term interest rates by changing banks demand for reserves, these actions can have disruptive effects on banks since banks need time to adjust their portfolios to accommodate the changed requirements, especially if the financial markets are not fully developed and the distribution of excess reserves among banks is uneven

    調整儲備要求盡管可以改變銀行對儲備資金的需求，從而影響短期利率，但同時亦可能為銀行帶來不良的影響。這是由於銀行需要時間調整其資產組合以符合新的儲備要求。如果有關地區的金融市場尚未全面發展，或銀行之間的過剩儲備資金分佈不均，影響則可能更甚。
  2. The problems in it lie in : 1 ) poor operation situation and decreasing competition ability which symbolized decreasing asset flowablity, insufficient equity capital, huge bad asset and centralization of financial risk ; 2 ) uncertain operation surrounding which comes from the incoming of foreign bank and the developing of financial securitization with china ' s entrance into the wto and the globalization and synthesization on finance

    國有商業銀行的問題在於：一方面，經營狀況不理想，競爭力下降，表現為資產流動性下降、自有資本不足、巨額不良資產、金融風險集中；另一方面，隨著入世和金融的全球化、綜合化，外資銀行的進入和金融證券化的發展使商業銀行處于更加不確定的經營環境。
  3. For the sake of enhancing competitiveness in world trade organization, commercial banks need to position themselves correctly, raise their technique level, improve financial innovation, develop intermediate business, establish scientific human resource mechanism. all these measures rely on preventing further increase of non - performing loans and gradual resolve of historical bad loans. only with fewer burdens of bad loans, can the commercial banks enhance their competitiveness

    因此，中國加入wto后，提高城市商業銀行綜合競爭力不但要採取準確的市場定位、提高金融技術含量、促進金融創新、大力發展中間業務、制定科學的人才管理體系等金融策略，而且更需要尋找降低不良資產增長率和逐步消除存量不良資產的金融策略，才能使城市商業銀行輕裝上陣，提高資產營運效率，從根本上適應激烈的市場競爭。
  4. At present, the financial behaviors of the enterprises in our country are developing towards rationalization and standardization. but influenced by many factors, the enterprises ’ financial behaviors are confronted with such many problems as disorder financial objectives, alien financing behaviors, shortsighted investment behaviors, twisty distribution behaviors and so on. therefore, the study of enterprises ’ financial behaviors is advantageous to reduce and guard against bad behaviors, to improve scientific management level and to promote enterprises ’ healthy development

    目前我國企業財務行為正在朝合理化、規范化方向發展，但受多方面因素的影響，企業財務行為還存在財務目標混亂，融資行為異化，投資行為短期化，分配行為扭曲等一系列問題，所以研究企業財務行為有利於減少和防範不良行為，增強企業科學管理水平，促進企業健康發展。
  5. First, the author reviewed the related literature of asset securitization, explained the connotation and the economical significance of asset securitization from many angles, analyzed several essential technologies of asset securitization through using the enterprise financing theory, the financial theory, the system economic theory and the law of averages, constructed a flow chart to analyze the structure and the flow of the operation of asset securitization ; then the author analyses the overseas development tendency as well as the overseas concrete procedure of non - performing loans securitization, proposed several enlightenment ; once more, the author analyzed our country ’ s feasibility of npls, then elaborated emphatically the operation thought of npls of our country commercial bank : regarding the establishment of spv, thought that it most suit the our country current national condition current through pouring the capital to adopt company spv the pattern in our country by the national property management company, and elaborated how to construct and manage the property pond, put forward many kinds of ways of credit enhance for non - performing loans, thought it is the best choice that the product of npls is designed for cmo, the senior bond adopts the public issue, the secondary bond adopt private issue

    首先，本文回顧了資產證券化研究的相關文獻，從多個角度闡釋了資產證券化的內涵和經濟意義，運用企業融資理論、金融理論、制度經濟學理論和大數定律剖析了資產證券化的幾項關鍵技術，構建了一個資產證券化流程圖來分析資產證券化運作的結構與流程;接著通過分析國外不良貸款證券化發展趨勢以及具體做法，提出了幾點啟示;再次，分析了我國不良貸款證券化的可行性，然後著重論述我國商業銀行不良貸款證券化的運作思路:對于spv的設立，認為在我國由國家資產管理公司注資採取公司型spv的模式最適合我國當前的國情;並論述了資產池的構建與管理;提出了對不良貸款進行信用增級的多種方式;認為將不良貸款證券化產品設計為抵押擔保債券，高級債券採取公開發行，次級債券採取私募發行是最佳選擇。
  6. Arid an algorithm of parity residuals and the theory of residual vector probability - data fusion are used for detecting the abrupt change failure of srfcs, especially the failure of actuators ' failures and single control surface ' s failures

    該系統是按照軟體工程規范，採用等價空間法和殘差向量的概率信息融合法研製和開發的，不僅能對飛行控制系統的突變故障作動器卡死故障和控制舵面損傷故障進行實時檢測和隔離，而且具有良好的用戶界面。
  7. In the artificial - planting, the strain of cordyceps militaris is easy to degenerate. at present, the study about the fungus in cordyceps genus are just in the identification of fungi 、 the nutrition analysis 、 the using in medicine and artificial - planting. although, it could reduce the lost by the usual breeding way, we could not solve the problem at basic. about the degeneration of strain, people mostly use the gender - cycling 、 the fusing - cytoplasmic technology and the genetic - engineering method to reform the strain. most of people use moleculor method in the study of relationships among the species and between the species

    用常規選育方法雖然能減少一定的損失，但不能從根本上解決菌種退化這一長期困擾企業生產的問題。針對菌種退化問題，主要是利用有性循環、原生質體融合和遺傳工程等途徑進行菌株改良，應用分子生物學手段只是研究種內、種間的系統關系等，而關于菌種退化遺傳機理的研究尚未見報道。菌種退化是菌類栽培過程中普遍存在的，也是生產當中迫切希望得到解決的問題。
  8. After a comprehensive review of our nation ' s debt level, the author hold a opinion that our deficit level is much lower than the critical proportion of our financial deficit to the gdp. and when compared with other countries, it is also at a low level, thus the pressure coming from fiscal deficit is within the financial capacity. besides, no matter taking government overall debts ( includes treasury bonds, overseas liabilities, non - performing assets of financial agencies, endowment insurance debts ) or just treasury bonds into account, we can reach such a conclusion : our debt level is lower than many countries, therefore, there are wide spaces to implement the active fiscal policy

    通過考察我國的債務水平，筆者認為，我國的赤字規模，遠低於臨界赤字率，與國際相比，也處在低水平上，財政赤字的壓力在財政承受能力之內；另外，無論是單純從內債還是從包括國債、外債、金融機構不良資產、養老保險欠賬的政府綜合債務來考慮，都可以做出如下判斷：我國的負債水平低於許多國家，實行積極財政政策還有較大的餘地。
  9. Therefore, the measures shall include learning the experience of foreign banks in corporate governance, pursuing the interest of shareholders in addition to protecting the depositors " asset safety, eliminate the systematic flaws firstly, secondly, it is to mould social credit, reinforced credit management, optimize credit increment ; meanwhile the bank should also learn the experience from abroad and use the model of three - level filtering for bad loans to combine the self - disposal and trusted - disposal methods in handling current non - performing loans

    所以岳陽市商業銀行首先要借鑒國外商業銀行的公司治理結構模式，完善在追求股東利益優先的同時，將保護存款人利益的目標融入其中的外部監督模式的公司治理結構，消除不良資產增長過快的制度根源；其次是重塑社會信用、強化信貸管理，優化信貸增量；再次要借鑒國外商業銀行處置不良資產的經驗，制定自主處理和託管處理相結合的三級過濾的不良資產置換模式，消減現有存量，逐步消化存量不良資產。
  10. Based on the analysis of non - performing bonds in china and japan, the paper has a comparative analysis on its roots, and points out that the solution is to deal with the institution problem

    在分析中日不良債權現狀的基礎上，從微觀經濟學和制度經濟學視角對兩國不良債權的成因進行了比較分析，並結合中國國情，得出解決這一問題的關鍵是消除形成金融不良資良的制度性根源。
  11. With increasingly cultural globalization and recent changes in international relations, the national cultural order is evolving accordingly. in order to understand the structure of the new international cultural order and to find the practical approaches and solutions for the problem in the new cultural order, we have to accurately comprehend the recent changes, the new features and the arising problems in the national cultural relations during the course of globalization. therefore, this dissertation work, by choosing new international cultural order in the globalization as the research topic, thoroughly analyzes international cultural relations in the time of globalization ; outlines the new changes, the new features, and the new problems emerging from the international cultural relations in the globalization and their effects on constructing a new international cultural order ; and furthermore tentatively conducts some theoretical analysis on the possible formations of the new international cultural order and their implementation approaches

    因此，本文以國際文化關系研究中的核心概念為切入點，全面分析了全球化時代國際文化關系領域出現的新變化、新特徵、新問題，研究了全球化背景下的文化自覺與文化交流、文化霸權與文化沖突、以及文化全球化的發展與文化融合，在此基礎上，提出了全球化時代多元互動、平等互補、共存共榮的國際文化新秩序的戰略構想，並嘗試性地提出了實現這一美好戰略構想的四條途徑和方法，即促進多極格局、創造優良環境;堅持求同存異的原則、倡導文化對話;堅持互學互補的方針、反對文化霸權;堅持和而不同的原則、促進多元共存。
  12. This thesis contrasts and analyses the different calculation - method, and improves the genetic algorithm in the parameter inversion of the rock and soil engineering. the strategies are mainly in the following three aspects : 1, new searching way is compositely searching genetic algorithm which is made up of the acceleration method and genetic algorithm when it partially calculates in the later time ; 2, index function is inducted in gengetic operators, at the same time repeated select and double exchange pool are used ; 3, splicing crossover, which reserves some new evolution factions, improves authority function accaunting the capabilities and kinds

    本文對優化演算法中不同求解方法進行對比分析，針對遺傳演算法在巖土工程參數反演運算中進行了改進，改進的策略主要集中於三個方面： 1 、提出了在遺傳演算法中融入形加速法的改進方法? ?復合遺傳搜索法； 2 、針對遺傳運算元的選擇策略，引入指數適值方法，設置雙交換池，提出了重復篩選法； 3 、加強對劣勢種群的內部優良信息的遺傳功能的改進，引入權函數，擴大可交叉運算元的種類，保留各運算元的進化功能，提出了融合交叉運演算法。
  13. There are many problems, for example the market partition, market unqualified subject, the marketing conception undeveloped, finance market uncompleted, short of the market mechanism forming asset price. according to the subjects differentiation, market stratification and orderly competition, we must create an integrate, efficient, competitive disposal market

    第二章通過對我國目前不良資產處置市場的現狀分析，發現我國不良資產處置市場基本上還處于初級和落後的狀態，存在市場分割、市場主體不合格、營銷理念落後、金融市場不完善、缺乏資產價格的市場形成機制等諸多問題。
  14. Based on all kinds of professional components of gis can be seen in the market, which are mapobjects and arcobjects of esri, mapx of mapinfo, geomedia of intergraph, mapgis of wuhan, supermap of peking, etc. the functions and background of the electronic map system, arcgis, which is an object - oriented program language, is integrated the latest computer technologies and gis technologies. ao is object oriented language, supported by the functions of arranging, analysis, display of spatial data and enhances the application efficiency, most users, which are not familiars with the knowledge of complicated concept and operation of gis, can use it freely. so the author selects vb and ao to develop application system of gis

    分析市場上可以看到各種各樣的gis專業組件，例如esri的mapobjects和arcobjects 、 mapinfo的mapx 、 intergraph的geomedia 、武漢的mapgis 、北京的supermap等，從人口電子地圖系統的產生背景和功能要求出發，根據arcgis將目前前沿的一些計算機技術、 gis技術很好地融合起來，並且由於ao是使用面向對象技術的開發語言，且又提供完備的空間數據的分析、處理、顯示等功能，可以有效地提高應用系統的開發效率，且具有良好的外觀和完善的功能，使用戶不再需要復雜的gis概念和操作就可使用，所以，本系統的研製選擇了vb和ao相結合的開發方式。
  15. For example, we could take part in the enterprises " merging or operating the bund of industry investment ; we could also provide services in abs ( asset - backed securities ) and bad properties " disposition etc. on the second, we should extend the capital financing, improve the liquidity of trust capitals and strengthen the collaborations with other financing companies

    就投資來說，主要是突破單一貸款方式，以主動投資為主，在企業並購改制、產業投資基金、資產證券化以及不良資產處置等方向上發揮創新能力。就融資而言，創新方向主要是著力擴大融通財產的外延，改善信託財產的流通性和加強行業合作。
  16. While there are so many problems that made trust and investment companies face lots of internal and external risks in real operation such as the immature market, the scarcity of government legislation and supervision, the management risks in the trust and investment companies and so on. all these need be solved by the trust and investment companies under the assistance of government department responsible for legislation and supervision. this article states from the real status of the trust industry, analyses the risk of it and brings forward the solutions from the following four angles : innovating trust production, such as npl trust, state - owned stock trust, leasing trust, mbo trust, esot, etc, perfecting the mechanism of risk control from var model and risk estimation, enhancing the cooperation with other financial institutions like banks, securities institutions, insurance companies and leasing companies, and strengthening the system of government legislation, supervision and self - restriction of trust and investment companies

    本文從中國信託業的現狀出發，分析信託投資公司存在的問題，尤其是整頓后依然存在的問題，借鑒國外信託業的經驗，結合中國信託業的實際情況，從創新信託產品、健全信託投資公司風險控制機制、加強與其他金融機構合作和增強監管機制等角度進行探討，提出解決問題、加速信託機構健康發展的途徑：第一、根據目前我國信託業的規定，結合中國的經濟狀況，從處置國有不良資產、減持國有股、與金融租賃相結合、管理層收購、職工持股、銀行處理信貸資產、房地產、應收債權等領域創新信託產品；第二、引入國際上風險控制模型內控信託機構的風險，並採取信用評級的手段對信託投資公司和信託產品進行評級，從外部控制信託機構的風險；第三、提出信託投資公司應與銀行、證券、保險和租賃業相結合，在業務上相互補充，資源上共享，促進信託業的發展；第四、從完善信託立法、加強監管力度、健全信託投資公司個體自律和行業自律等方面完善信託的監管體系。
  17. Since chinese four assets managements company were established, they started to face many challenges, especially " how to get back assets as much as possible and how to abate the handling cost as much as possible ? ", " how to effectively handle the bad financial asset by diversified manners ? ". asset - backed securitization is one of many effective methods to handling of bad financial asset by many assets management company in many foreign countries. at present, chinese financial assets management companies are exploiting in the field, however not get to success yet. based on history study, statistic method and theory in combination with practices, this article first described the quo status and current development in handling of bad financial asset in china, and analyzad the problem happened during handling of bad financial asset. on basis of explaining relative theory and practice on asset - backed securitization and combining with successful experiences of foreign companies and latest development in china, this article tried t o conclude the general rules on bad financial asset - backed securitization, and pointed out that china had its primary conditions ready on asset - backed securitization and it was practicable to further develop financial innovation and execute bad financial asset - backed securitization. in considering of our established assets management company ' s structure, it designed a practicable program to implement asset - backed securitization by assets management companies. in designing, it focused on transfer pricing of bad financial asset, and at same time it included problem, study and countermeasures on establishment of special purpose vehicle under bad financial asset - backed securitization situation

    本論文採用歷史、統計、理論聯系實際的方法，從金融資產管理公司的成立背景談起，先描述了我國不良資產的現狀和處置進展，指出了目前不良資產處置存在的手段單一、技術含量低從而處置進展較慢、且效率不高等問題，然後在闡述資產證券化的相關理論與實務的基礎上，結合國外不良資產普遍應用資產證券化的成功經驗、以及國內研究的最新動態，力圖總結出不良資產證券化的一般規律性內容。並指出我國資產證券化的基礎條件已具備，進一步金融創新，對部分不良資產證券化是可行的。結合我國已成立的金融資產管理公司的不良資產結構，設計出了資產管理公司實施資產證券化的可行性方案。
  18. Unfortunately, information come from different sensors could n ' t have consistency with each other. indeed, some exclude and reject mutually of each other. if these data directly fuzed, it ' s possible that result come from the multisensors system would n ' t better than that of single sensor control system

    但是，來自不同傳感器的信息並不能保證具有一致性，有的甚至是相互矛盾、相互排斥的，如果直接對這些信息進行融合，結果可能並不比單傳感器控制系統優良。
  19. As the financial system reformation goes more further, the ccbs have no systematic advantages any more, meanwhile, the disadvantages like small - sized, weak bases, lack of capital and complex competition ability, especial the profit ability has became more and more obvious. according to the statistics offered by the china banking regulatory commission ( cbrc ), by the end of 2004. 11, the total assets of all the ccbs in china is 1. 9 trillion, and the equity is 693 billion. according to the five - category classification, the balance of non - performing loans ( npl ) is 9. 7 %, and the average capital adequacy ratio is 2. 7 %, while the average total assets is less than 0. 1 %, which is only 1 / 12 of american average level

    我國中小商業銀行的主力軍? ?城市商業銀行風風雨雨近十年，在過去的十年中，初步化解了多年積累的風險、在地方經濟發展中發揮了重要的作用;隨著金融體制改革的全面深化，城市商業銀行的體制、機制優勢逐漸與競爭對手同質化，規模小、底子薄、資本實力弱、綜合競爭能力差尤其是贏利能力弱的劣勢日益凸現，據銀行業監督管理委員會的統計，截止2005年11月，全國城市商業銀行資產總額為1 . 9萬億、所有權權益693億、按照貸款五級分類，不良貸款余額為1027億、平均不良貸款率為9 . 7 % 、平均資本充足率為2 . 7 % ，其中平均的總資產收益率不到0 . 1 %是美國平均水平的1 / 12 ，就是跟印度、馬來西亞等發展中國家比差距也不小，中小商業銀行的財務問題逐漸成為了其進一步發展的瓶頸，財務風險凸現，潛在的財務危機也日益加大。
  20. At present, there are some system obstacles of the disposal to the imperfect small and medium financial institution, mainly in annexation, bankruptcy, internal control, credit. so we should adjust equity and internal control regulations, strict credit regulations, build up the regulations to the disposal of assets, institution salvages, and then to dissolve the risks reasonably, defend finance safety, promote the financial efficiency, finally to improve the competitive ability of finance in our country

    當前，對有問題中小金融機構風險處置主要在兼并、破產、產權、內控、信用及不良資產處置等方面存在一些制度障礙，只有認真結合我國實際，科學調整產權制度和內控制度，嚴格信用制度，建立和完善不良資產處置、機構救助以及市場退出制度，才能真正做到既合理處置化解風險，維護金融安全，又促進金融業整體效率提高，從而進一步提升我國金融業綜合競爭能力。
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