貸款價格 的英文怎麼說
中文拼音 [dàikuǎnjiàgé]
貸款價格
英文
loan price-
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。For the purpose of these conditions, securities shall include but not be limited to the following investments shares in companies incorporated in any jurisdiction ; debenture stock, loan stock, bonds, notes, certificates of deposit, commercial paper or other debt instruments, including government, public agency, municipal and corporate issues ; warrants to subscribe for the above investments ; depositary receipts or other types of instruments relating to the above investments ; unit trusts, mutual funds and similar schemes established in any jurisdiction, options, whether on any investment herein described, on currencies, precious metals or other assets, or an option on an option ; contracts for the purchase or sale at a pre - agreed price and at a future date of any investment herein described or any currency, precious metal or similar asset ; viii contracts for differences or contracts on indices ; investments which are similar or related to any of the foregoing ; and unless otherwise expressly agreed, documents of title or documents evidencing title to investments previously deposited by the customer with the bank in connection with the provision by the bank of custody of investments and provision of securities services
此等條件所指的證券包括但不限於以下投資項目i在任何司法管轄權區注冊成立之公司之股份ii包括由政府公共機構市政府及企業所發行的債權股證貸款股額債券票據存款證商業票據或其他債務票據iii以上投資項目之認購權證iv有關上述投資項目之存款收據或其他種類之票據v在任何司法管轄權區成立之單位信託互惠基金及類似計劃vi上述之任何投資項目貨幣貴金屬或其他資產之期權或期權之期權vii按預先協定價格及在將來日期買賣任何此等投資項目或任何貨幣貴金屬或類似資產之合約viii差價合約或指數合約ix類似或有關上述任何一項之投資項目及x除非已另有明確的協定，客戶先前存放在本行之投資項目之所有權文件或可證明該等項目的所有權的其他文件。The former mostly includes finance trench, which consists of urban maintenance and constructive tax, add - ons of public utility, urban land - using tax, the debt of local government, remise of urban state - own land - using right and special national debt capital, and so on ; administrative charge trench, which consists of apportion, raising the price of urban infrastructure products and services, and so on ; practicality investing trench, which mostly consists of corresponding capital for urban infrastructure provided by real estate exploiters ; other financing trenches, which consist of time - limiting remise of operating authority on urban infrastructure section, introducing into foreign capital, short term loan of civil financing institution, and so on. the latter includes the innovation on the main investors, which consist of the anticipation of civilian capital and other non - financing institutions, and the innovation on financing tools, which consist of project financing, investment funds on industry, municipal bonds and initial public offering, and so on
前者主要指以政府作為投資主體下的各種融資工具，包括財政稅收渠道（包括城市維護建設稅和公用事業附加、城鎮土地使用稅、地方政府債務、城市國有土地使用權有償出讓、國債專項資金等） ；行政收費渠道（包括攤派、提高基礎設施產品和服務的價格等） ；實物投資渠道（主要是讓房地產開發商為城市基礎設施提供配套資金） ；其它融資渠道（包括市政設施部門專營權有限期出讓、引進外資、國內金融機構的短期貸款等） ；後者則包括融資主體的創新（民間資本的參與以及其它非銀行金融機構的介入）和融資工具的創新（項目融資、產業投資基金、市政債券、股票上市等） 。House prices across the uk tumbled in december at the fastest pace in more than 15 years as tighter mortgage lending and higher interest rates pushed the property market closer to the biggest crash since the early 1990s, the royal institution of chartered surveyors says today
12月份英國的房產價格出現了暴跌的現象，自1990年起，在過去的15年多的時間里緊俏的抵押貸款和高利息使得房地產行業瀕臨于崩潰的邊緣。It is in the nature of risk - taking that some risks will inevitably materialise - a loan may turn bad, a holding of debt securities may depreciate in value because of an interest rate hike, a long position in foreign exchange may involve book losses when the domestic currency strengthens
鑒于銀行承受多種不同風險，無可避免地部分風險會實現例如貸款變成壞帳息率飆升時債券價格下跌本地貨幣轉強時外幣長倉可能會出現帳面虧損等。On the data statistics of annual reports of four state - owned commercial banks ( 2004 ), loan revenue take up above 60 % of commercial bank ' s operating income, loan accounts for above 85 % of commercial bank ' s asset. so, it is important that whether loan price could cover cost and risk of bank, and whether it could get the maximum of benefit
根據四大國有商業銀行2004年年報的數據，貸款占資產總額的平均比重為60 % ，利息收入占營業收入的平均比重為85 % 。可見，貸款定價是否合理，貸款價格能否補償銀行的成本和風險，對商業銀行的發展至關重要。4. analyse the forms of water rights trade and put forward several trade ways, then introduce water rights market and several kinds of pricing, and set up two - part tariff of the transfer of water rights finally
研究水權交易的種類並提出回購協議和抵押貸款的交易方式，然後介紹壟斷市場和水權市場，以及壟斷市場的幾種定價方式，最後建立水權轉讓的兩部制價格模型。Asset prices - particularly financial asset prices - may fall sharply under the influence of high interest rates, eroding the collateral value of bank loans
在高利率影響下，資產價格，特別是金融資產價格可能會急挫，令銀行貸款的抵押品價值大減。With four - fifths of japanese lending ultimately related to property, americans were incredulous that banks had been foolish enough to lend against collateral for which the value could go down as up ; in the united states, they said, banks lent against cash flow, the best gauge of a borrower ' s ability to repay a debt
因為日本的借貸行為中五分之四是基於資產的，美國人就懷疑說，日本銀行太過愚蠢，依據抵押資產的價值放貸，然而其價格可升亦可降；在美國，他們聲稱，銀行是依據現金流放貸，是翻譯借款人還款能力的最佳指標。We offer very competitive foreign exchange rates, bills charges and interest rates
本行提供優惠的外匯價格、相宜的押匯收費及貸款利率。Some analysts also worry that a sharp plunge in equity prices could seriously hurt banks ' balance sheets, causing them to squeeze their lending
一些分析家也擔心急劇下挫的股票價格可能會嚴重損害銀行的資產負債表，使他們收回貸款。The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate
論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。Left on the books and marked to market, a loan will be valued at the price at which others have managed to sell
在賬簿和市場中，一項貸款的價值是其賣家願意賣出的價格。Determining certain interest rate and loan to value ratio ( ltv ) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan
摘要存貨抵押貸款中，信用風險主要來源於抵押物價格和流動性風險，信貸人確定適當的利率和貸款價值比能夠有效緩釋信用風險。Implicit interest rate is the result of both the government intervention and banks " behaviors of deciding the lending price according to the rules of the market. it reflects that under the condition when interest rate is restrained, the self - adjust system of lending price still exists, although it is distorted by the restraint sometimes
隱性利率既是政府干預經濟的產物，同時也是銀行按照市場規則確定貸款價格的行為選擇結果，它反映出利率管制條件下貸款價格的自我調節機制依然存在，只不過因為管制而變得扭曲。For given price risk and liquidity risk, we find the value of interest rate and ltv maximizing creditors ' expected revenue confined by credit market structure
對于已知抵押物價格風險和流動性風險，以信貸市場結構作為約束條件，求解出使信貸人期望利率收益最大化合同利率和貸款價值比。Based on the exploration of lending pricing behaviors of banks during the historic process of the interest rate system reform, the paper mainly discusses the genesis mechanism of lending price and the interrelated implicit interest rate under the condition of financial regulation, analyses the external and internal factors which influence the lending pricing decision - making process of the microeconomic bodies ( banks and enterprises ). and based on the contrast of the lending pricing modes which are popular at home and abroad now, the paper designs a lending pricing model of compound interest rate, which can be applied to the market - oriented interest rate circumstance
本文將銀行的貸款定價行為置於利率體制變革的歷史進程中加以考察，重點討論了金融管制條件下貸款價格的生成機制及與此相關的隱性利率，分析了影響微觀經濟主體（銀行和企業）貸款定價決策的內外部因素，並在對比國內外當前普遍採用的貸款定價模式的基礎上，設計了適用於利率市場化環境的貸款復利定價模型。Therefore, whether the loan price reasonable or not becomes the key to all the bank business related to loan
因此貸款價格制定是否合理就關繫到銀行與貸款有關的一切經營活動的成敗。Since then, commercial banks have the right to make the loan price on the basis of basic rate declared by the people ’ s bank
但是從2004年10月29日起，我國人民銀行規定各商業銀行可在基準利率基礎上自行決定貸款價格。In concrete, the loan price is made up of five parts, including inner capital transmitting price, working fee rate for certain loan, default risk compensation rate, goal profit rate of the commercial bank, rate adjusted extent
在這種方式指導下的貸款價格由內部資金轉移價格、該筆貸款的營運費用率、違約風險補償率、銀行目標利潤率、利率的調整幅度五部分構成。分享友人