貸放作業 的英文怎麼說
中文拼音 [dàifàngzuòyè]
貸放作業
英文
loaning operation-
Because of non - systemic information, we should escape the moral risk by proper contract, they design many programs of the bank - firm restitution ; the role that the bank exercised on the firm is completed by debt constraint, and the bank influences the government construction of the firm by debt rights. the bank directly gives capital support to firms, and analyses the firms " ability of returning debt, and the bonding value, and make the load - decision
主要研究在信息不對稱情況下，如何通過完善契約來防範道德風險；銀企債務重組的設計；銀行對企業治理的作用的實現方案，即通過債權影響公司的治理結構，直接插手評價企業的經營狀況、投資決策、償債能力，以及分析企業的抵押價值並以之作為放貸決策的前提。Inquiry can be made through the personal credit information database only with the authorization in writing by the person involved when personal loan application or credit card application is being reviewed, offer of guarantee by an individual assessed, or personal loan or credit card monitored for credit risks on a continued basis
建立個人信用信息基礎數據庫既要實現商業銀行之間信息共享，方便群眾借貸，防範信貸風險；又要保護個人隱私和信息安全，只能經當事人書面授權，在審核個人貸款、信用卡申請或審核是否接受個人作為擔保人等個人信貸業務，以及對已發放的個人貸款及信用卡進行信用風險跟蹤管理，才能查詢個人信用信息基礎數據庫。On the basis of primary analysis in economic theory of the reasons of shanxi merchants taking credit widely in business, the thesis using game theory which is a new method does some careful research. then it spreads out further to analyze the mechanism from idea and moral, the administrative measures and property right restrain. because of the excessive loan, especially the credit prombles of qing government " s, shanxi merchants declined rapidly. modem enterprises are a link in historic chains and their credit and development have the same causes and effects as shanxi merchants. the research into the success and failure of shanxi merchants has great practical significance and it can provide some beneficial enlightenments for the development of enterprises today
本文在運用經濟學理論對晉商在經營中廣泛採用信用的原因進行初步分析的基礎上，運用博弈論這一較新方法對其進行了細致的研究，進而從理念道德、管理措施和產權約束三個方面對其生成機制展開了深入探討。由於後期放貸過大等原因，尤其是清政府信用中的一系列問題，對晉商的衰敗起了推波助瀾的作用。現代企業是焊接在陳陳相因的歷史鏈條下的一環，其信用與發展之間有著與晉商基本相同的因果關系。China ' s industrial production grew at the slowest pace this year, suggesting weaker export growth and government curbs on lending are starting to cool the world ' s fastest - growing major economy
今年中國工業產值增長速度放緩，表明出口增速減弱和政府控制信貸開始發揮作用，為世界上增長最快的經濟體降溫。In the face of applying for the new high - tech enterprise of the borrowed money numerously, in order to guarantee the security and profitability of the loan, the business bank must investigate and analyze their credit state, then on the basis of choosing its credit grade, make loan, the loan time limit size, quantify of the loan, how much loan interest rate
面對眾多申請借款的高新技術企業，商業銀行為了確保貸款的安全性和盈利性，必須對它們的信用狀況進行調查和分析，然後在評出其信用等級的基礎上，作出是否發放貸款、貸款期限長短、貸款限額大小、貸款利率多少等信貸決策。Issuing to village the policy subsidying the small sum in interest an agricultural loan a valid path for always is academic circles with poor population in generally accepted the village of solution in government in all levels, promoting village developping, from current see theoretically, the small sum of the certain scope inside subsidying the interest lends money of issue, will promote the agriculture and the development of the village, increase poor and homely income in village level, but the small sum subsidying the loan of interest is can increase the income level of the peasant household, lend money a problem for increasing accepting together native average in circumstance increasing accepting sum comparing, result how, this is this text wanting resolving, this text pass to the inquisition of the loan peasant household, in collecting large quantity one hand material of foundation, is all each county downtown to is investigated the data proceeded to gather, statisticsing the contrast circumstance that loan an income change the circumstance and increase with native average the sum, the loan sum that will be investigated the peasant household, invest the realm proceeded the contrast, and borrow funds with the region not door of that year income increment the sum proceeded the comparison. use the different from lengthways the method research that compare investment in fixed amount realm, different loan sum, not the environmental loan in area in county door increases to accept sum and its correlations. come to explain the public finance subsidy the small sum in interest an agricultural loan an influence for to peasant household income, analyzing the small sum in policy an agricultural loan an influence for to increasing accepting the factor, discussing the policy stick the small sum in interest an agricultural loan a shortage for of policy blemish and managing top, combining domestic and international policy of now of combination an agricultural loan a policy for of policy with managing way, to small sum in policy in our country an agricultural loan style establishment and manage the mode put forward a little bit personal views, the writer thinks that develop the policy an agricultural loan a root for of a farming using is a financial environment of village to push forward financial system in village reform to reform with political setup, improve village finance serve, create a competition, norm, subsidying the interest the loan the solution limitedly not farmer of letter funds need problem
向農村發放政策性貼息小額支農貸款一直是學術界和各級政府比較公認的解決農村貧困人口，促進農村發展的有效途徑，從現有的理論上看，一定范圍內的小額貼息貸款的發放，會促進農業和農村的發展，提高農村貧困家庭的收入水平，而小額貼息貸款是不是能夠提高農戶的收入水平，貸款戶的增收情況同當地的平均增收額比較，效果怎樣，這是本文所要解決的問題，本文通過對貸款農戶的調查，在收集大量第一手材料的基礎上，將各縣市區所有被調查數據進行了匯總，統計出貸款戶收入變化情況以及與當地的平均增長額的對比情況，將被調查農戶的貸款額，投資領域進行了對比，並與當地非借款戶的當年收入增加額進行了比較。用定量比較和縱向比較的方法研究不同投資領域、不同貸款額、不縣域環境的貸款戶增收額及其相互關系。來說明財政貼息小額支農貸款對農戶收入的影響，分析政策性小額支農貸款對增收的影響因素，論述政策性貼息小額支農貸款的政策性缺陷及管理上的不足，並結合當今國內外政策性支農貸款的政策和管理方式，對我國政策性小額支農貸款的政策制定及管理模式提出了個人的一些見解，筆者認為發揮政策支農貸款的支農作用的根本是推進農村金融體制改革和政治體制改革，改善農村金融服務，創造一個競爭、規范的農村金融環境，有限的貼息貸款解決不了農民的信貸資金需求問題。When an auto financing company ' s establishment and business operations involve currency exchange, outward repatriation of profits, provision of auto loans for non - residents, capital management or other business transactions relating to foreign exchange administration, the company shall be subject to relevant regulations to be jointly issued by relative regulatory authorities and the state administration of foreign exchange
汽車金融公司設立和開展業務中涉及匯兌管理、利潤匯出、向非居民發放汽車消費貸款、資本金管理等外匯管理事項的，由有關監管部門會同國家外匯管理部門作出相關規定。Rural finance means all the financial activities that correlate with production in rural domain, such as absorbing deposits, providing loans, settling accounts, cash management and rural credit cooperation, etc. the construction of a good rural financial system will play an important supportive role in the development of rural economy and the adjustment of the structure of rural production
農村金融，是指包括農村領域內一切與生產經營相關的吸收存款、發放貸款、辦理結算、現金管理以及農村信用合作等的金融活動。一個良好的農村金融體系的構建對于農村經濟的發展，農村產業結構的調整都將起重要的支持作用。With the development of auto industry, auto finance has become the most valuable and vigorous branch and drawn much attention of institutions from all over the world, such as banks, auto groups and so on. since china has promised to open up its auto finance field in the agreement of wto, once foreign institutions enter china ' s enormous market, china ' s infant auto finance industry will face fierce competition
我國入世協議中明確規定了放開汽車金融服務業的限制，允許國外非金融機構進入並從事汽車貸款業務， 2003年10月銀監會相繼頒布了《汽車金融公司管理辦法》及實施細則，這不僅意味著我國汽車金融市場的正式開放，而且汽車金融公司的設立將進入實際操作階段，發展我國的汽車金融業已提到了議事日程。On pooling and re - pledging client collateral, it was international best practice to segregate non - borrowing margin client collateral
有關匯集及轉按客戶的抵押品，國際上的最佳作業方式，是將不借貸的保證金客戶的抵押品獨立分開存放及The worsening of credit surroundings has produced much damage to social economic life, such as : market which is short of credit affects the social investment and consume and destroys the normal management of enterprise, enlarges costs of enterprise management, makes the macroscopic control tool useless and enterprise are not willing to invest, banks are n ' t willing to make loans, and it ' s difficult for the government to start investment and enlarge domestic demand, even it directly damages the basic of social legal system, and all types of economic principal parts are difficult to form the legal frame in the basis of construction. many enterprises compete in all kinds of improper ways and ruin the social atmosphere and decline the morals level
信用環境惡化已對社會經濟生活產生諸多危害：市場缺乏信用嚴重影響社會的投資和消費，破壞企業的正常經營，加大企業經營成本；政府的宏觀調控政策和工具難以發揮作用，企業不敢投資，銀行不敢放貸，使政府啟動投資、擴大內需政策的效用大打折扣；信用惡化還直接破壞社會的法制基礎，各類經濟主體在信用關系中難以形成以合同為基礎的法律框架，許多企業以種種不正當的手段展開競爭，是造成社會風氣敗壞，道德水平滑坡。At present, these financial risks are mainly reflected in ( i ) market risks in several areas where the real estate market appears overheated ; ( ii ) financial risks due to the high debt level of property developers ; ( iii ) moral hazard reflected in felonies involved in mortgage borrowings ; ( iv ) operational risks in bank credit lending especially by local branch offices ; ( v ) credit risks on land developers, and ( vi ) legal and regulatory risks on property lending
當前房地產金融風險集中表現為：一是部分地區房地產市場過熱存在市場風險；二是房地產開發企業高負債經營隱含財務風險；三是「假按揭」凸顯道德風險；四是基層銀行發放房地產貸款存在操作風險；五是土地開發貸款有較大信用風險；六是房地產貸款法律風險加大。Finally combining the practice in agriculture bank, the author regards help - poverty loan must be converted from relief type to developing type on input mechanism, from quantity to benefit kind on plan deploying, from paying attention to issue to total quality management on loan administrative. and by a serials of optimizing discuss, the author brings forward an ideal credit loan help - poverty model, which gives " item loan " the first place and " little credit loan " the second place
最後作者結合在農業銀行的實踐認為，扶貧貸款在投入機制上應由救濟式向開發式扶貧轉變，在計劃配置上應由數量型向效益型轉變，在貸款管理上由注重投放向全面質量管理轉變，並通過一系列優化探討，提出以「項目貸款」為主、 「小額信貸」為輔是新形勢下扶貧信貸的理想模式。The third part, imagination of restructuring our country financial system to adjust in competition, the country credit union should abandon its corporate quality step by step and develop as a commercial bank of stock system. it should have clearly property right system, establish effective restriction and supervision system, perfect credit system, engage in developing working range, strengthen cultivate person with ability and perfect employment system
重構我國農村金融體系的設想農村信用社在競爭中的調整? ?逐步放棄合作性質，向股份制商業銀行發展，明晰產權關系，建立有效的約束、監督機制，完善信貸制度，積極拓展業務范圍，同時加強人才培養，完善用人機制。分享友人