貸款對象 的英文怎麼說
中文拼音 [dàikuǎnduìxiàng]
貸款對象
英文
prospective borrower-
There are three parts in the article. the beginning is the summary about especial credit risk in city commercial bank management. at first, via the data explains that the loan object of the city commercial bank mainly concentrates small enterprises, then discusses why the city commercial bank concentrates this lay, then further via the small enterprise livability, compensative resource, the finance
首先，通過調查所得的數據說明了城市商業銀行的貸款對象主要集中於小企業這個層次，然後詳細論述了城市商業銀行為什麼會將貸款對象主要集中在這個層次，再進一步通過對小企業存活率、償債來源、財務管理狀況、管理者素質等方面的分析，說明了為什麼將貸款對象集中於小企業會極大的增大城市商業銀行的貸款信用風險。According to studying the necessity of contract fraud crime, the " contract " which is used to defraud the opposite party, the concept and feature of contract fraud crime, the criminal component of contract fraud crime, the difference between contract fraud crime and civil fraudulent acting contract fraud crime and fraud crime contract fraud crime and loan fraud crime, and punishment of contract fraud crime, the article holds the opinion : as a new crime, the subjective element of contract fraud crime shall be for the purpose of illegal possession and the object of the crime is complicate object. the violated objects should include the property and illegal interest of the opposite party
本文通過對新刑法設立合同詐騙罪之必要，合同詐騙罪之「合同」 ，合同詐騙罪之概念、特點，合同詐騙罪之犯罪構成，合同詐騙與民事欺詐、詐騙罪、貸款詐騙罪的界限以及對合同詐騙罪的處罰等問題的探討，認為合同詐騙罪作為新刑法增設的罪名，主觀方面應當要求「以非法佔有為目的」 ，合同詐騙罪侵犯的是復雜客體，侵犯的對象的范圍應擴大到「對方當事人財物及財產上的不法利益」 。Ida aims to reduce poverty by providing interest - free loans and other services
國際開發協會的援助對象是世界上最貧困的國家，向他們提供無息貸款和其他服務。Our country still has no the specialized financing institution to loan to the medium and small enterprises. in addition, after the commercial bank system reform, grass - roots bans have no enough right to loan to the medium and small enterprises ; alter practicing asset - debt comparison management, the comparison of saving and loan made from higher class to lower class. the gap of loan supply increased remarkably
從深層原因看：一是供應不足，我國尚無專門為中小企業貸款的金融機構，加之商業銀行體制改革后，權限上收，以中小企業為放貸對象的基層銀行有責無權，有心無力；實行資產負債比例管理后，逐級下達「存貸比例」 ，貸款供應缺口明顯加大。Banks were once the experts on whom they lent to, with inside knowledge on their borrowers
銀行曾經熟稔於他們的貸款對象並具備借款者的內部信息。Despite the good trend on export of mechanical and electronic products, there still have some negative facts that restrict the international competitiveness of mechanical and electronic products in china. now the export management of mechanical and electronic enterprises is out of order and without effective competition medium. technological transformations and loans of mechanical and electronic enterprises are still not satisfied the practical needs
目前，我國機電企業出口經營秩序混亂，盲目競爭、壓價競爭、無序競爭的現象屢禁不止；機電產品生產企業的技術改造和技術投入貸款還遠不能滿足實際要求；機電產品出口結構中佔主導部分的仍然是資源、勞動密集型的中低檔產品；我國出口的機電產品缺乏自己的優質品牌，多以外國品牌實現對發達國家的出口。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。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。Through the study of the style of knowledge description, the paper elaborates the numerical model knowledge, the symbolic experience knowledge and the instantial swatch knowledge. these three kinds of different knowledge have been used in loans risk classification in the paper. just as the using of the object oriented technique and the ai ( include es, ann, and the integrated of ann and es ) technique, can the paper realize the five - grade loans risk classification
本文通過對知識描述形式的研究，表述了經驗符號性知識、模型化數量性知識和實例樣本性知識三種類型，通過對其行為特徵及轉換、集成的研究，將這三種異構知識引入貸款風險分類分析；採用面向對象技術和人工智慧的es 、 ann兩種形式及其結合，實現了貸款風險五級分類。" while it is too soon to say that a revival is underway, the series of interest rate cuts appears to be having some positive effect on banks mortgage loan portfolios, " said mr david carse, deputy chief executive of the hkma. " new lending has been picking up a little and there have also been signs of improvement in the delinquency ratio.
金管局副總裁簡達恆說：現在談銀行按揭貸款業務正重上升軌未免言之過早，但近期一連串減息似乎對這類業務產生了一些正面作用，不但新批出貸款略有增加，貸款拖欠比率也有改善的跡象。Select credit object should be suitiable to the particular - period economy system and the bank system which is decided by the former
貸款對象選擇始終要與一定時期的經濟體制以及由此決定的銀行體制相適應。The contents, means and methods of select credit object are different according to different period
不同的時期，貸款對象選擇的內容、方式、方法都不相同。The pro ective borrower of personal housing loan should be a natural person having a complete civil capacity
個人購置住房貸款對象應是具有完全民事行為能力的自然人。The prospective borrower of personal housing loan should be a natural person having a complete civil capacity
個人購置住房貸款對象應是具有完全民事行為能力的自然人。Select credit object is both a macro - issue, which is a part of a country ' s economic policy, a mean and contest of macro - control and a micro - issue which belongs to commercial bank ' s micro - manage policy
貸款對象選擇既是一個宏觀問題，是國家經濟政策的組成部分和宏觀調控的內容和手段；又是一個微觀問題，屬于商業銀行微觀經營決策的范疇。The risks of interest rate, foreign exchange rate, management and decision - making in financial industry caused by asymmetric information are studied as well as the risks in selection of prospective borrowers and granting loan to medium and small enterprises existed in the operational process
研究了由於信息不對稱利率、匯率、管理及決策在金融行業的風險，以及操作過程中，貸款對象選擇，對中小企業貸款的風險。However, with the quickly growth of the residential mortgage market, the lower and lower loan limits, and the change of the borrower from the high - income residents to the medium - and low - income, the bank has been increasingly subjected to the exposure of mortgage default risk
但隨著住房抵押貸款業務規模高速增長、貸款門檻逐步降低、貸款對象從金字塔塔尖轉向塔腰以及住房業主還款高峰期的臨近，銀行所面臨的住房抵押貸款的違約風險就日益突出。This document discuss the question about how to choose the loan client for the bank. on the basis of the research of the bank ' s loaning decision, we design the optimal loan rule so that the bank can ues it to choose the best loan client
我們以商業銀行在貸款決策中遇到的客戶選擇為背景，通過設計貸款決策的最優停止規則，使得商業銀行能夠根據這種決策規則選擇出」最好」的貸款對象（客戶） ，從而使得銀行在盈利性、流動性、安全性方面的目標得以實現。The state - owned commercial bank allocates credit resources optimizely through financial credit market under socialist market economy condition. that select credit object being right or wrong has direct effect on the quality of credit assets and the ability of making profit
在社會主義市場經濟條件下，國有商業銀行通過金融信貸市場實現貸款資源的優化配置，貸款對象選擇的正確與否，直接關繫到國有商業銀行的信貸資產質量，決定國有商業銀行的盈利能力。Rural micro - finance make small, short, unsecured loans to the farmers. few of these borrowers have standard collateral, credit - bureau records, or formal wage jobs. therefore the lenders lacked low - cost ways to judge the risk of these farmers
由於它具備一些獨特的特徵（例如，放款對象主要是農戶，不需要抵押擔保等） ，因而在發放過程中，農信社除了面臨一般貸款業務面臨的風險外，還面臨著農村金融特有的風險。分享友人