貸款投量 的英文怎麼說
中文拼音 [dàikuǎntóuliáng]
貸款投量
英文
volume of loan investment-
The commercial bank housing loan has the superiority in improving credit assets ’ quality comparing with other credit varieties, which is the basic reason that various commercial bank enlarges the investment in abundance at present, fighting for the housing market with all one ' s strength
商業銀行住房貸款在改善信貸資產質量和提高收益等方面與其他信貸品種相比，具有難以比擬的優勢，這是目前各家商業銀行紛紛加大投入、全力拚搶住房市場的基本原因。The econometrics model is put forward and we confirm that variables that human resource quality, loan quality the property right structure and so on ca n ' t be brought into in - put and out - put determine the affected way and degree of the bank efficiency
建立了計量經濟模型，明確人力資源質量、貸款質量、產權結構等不能納入投入產出的銀行特徵變量對銀行效率的影響方式和影響程度大小。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。China ' s economy grew at an official 9. 7 per cent in the first quarter of this year as ambitious local authorities went on an investment binge and banks continued to lend to a roaring property sector in spite of beijing ' s orders to rein in credit
官方數據顯示，中國經濟今年第一季度仍以9 . 7 %的速度增長，盡管中國政府下令控制信貸，但雄心勃勃的地方政府大量投資，銀行繼續為高漲的房地產行業提供貸款。After investigaing and analyzing xiamen port ' s presen situaion, hinterland, handling capacity, the project ' s natural condition and financial benefit, we got the following resuits " this project which is next to dongdu port is conveniently connected to rail, road, and air transportation. since during the last decade the volume of freight handled of xiamen port was higher than the handling capacity, new harbor was needed building to fi1l the gap in handling capacity, this proect was marketable. and its natural condition was suitable to build a harbor
第一部分調查分析與本項目相關的廈門港的現狀、港口腹地及港口吞吐需求量，以評估項目建設的必要性；第二部分調查分析項目的自然條件和基本建設狀況，以評估項目的自然條件和技術可行性：第三部分進行財務效益分析，重點測算項目的凈現值、內部收益率、投資回收期、貸款回收期、盈虧平衡點，並進行敏感性分析，以評估項目的經濟合理性；第四部分是結論和建議。The result shows that, under the condition of perfect competition, if bank ' s costs of providing transaction services for customers are sufficiently small, then a small tax on deposits interest income does not affect the choice of depositors ( or investors ) between deposits and direct investment ; a business tax on bank loan interest income leads to tax incidence, thus raises loan rates and induces entrepreneurs to switch from bank loan to direct financing ; a tax on bank ' s income also raises the loan interest rate, and hence reduces the demand of loans
研究結果表明，在完全競爭條件下，當銀行為客戶提供的交易服務成本很低時，以較低的稅率對儲蓄利息開征利息所得稅不會影響儲戶（或投資者）在儲蓄和直接投資之間的選擇；對銀行貸款利息收入開征營業稅，則會引起稅收轉嫁，提高貸款利息率，使部分企業選擇直接融資方式而不是從銀行貸款；銀行業所得稅也會提高貸款利率，減少貸款需求量。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。For the individual investried, govenuncllt can influence the amoat and smicfore of individual education - invesaned directly by prescribing the proportion of taking on the cost of education - - - - the level of tuition. in addition, governmde can influence individual education - investined indirectly by other fiscal policy such as education credit, education savings
從對個人教育投資調控來看，政府可以通過規定個人承擔教育費用的比例? ?通過規定學費水平的高低直接影響個人的教育投資數量和結構，也可以通過相關的其它財政政策手段，如教育貸款、教育儲蓄利息稅減免等等措施間接地影響個人教育投資。The third chapter, " the core business of modern investment banking ~ m & a consultancy ", highlights the characteristics, contents and development of m & a consultancy, proving the significance of modern investment banks " participation and coming to the conclusion that " m & a consultancy is the core business of modern investment banking ". the fourth chapter, " on the competitiveness of m & a consultancy ", discusses the industrial and enterprises " competitiveness of m & a consultancy
首先，對傳統上從業務角度定義投資銀行的方法進行質疑，指出投資銀行的概念具有「業務」和「機構」的兩重性，並從投資銀行的本質特徵和獨特作用入手，將投資銀行業務定義為「區別于商業銀行的存貸款等間接金融業務的、實現資本市場上資本總量增加和存量調整的一系列收費的金融中介業務」 。A long - term balance is noted among the chinese bond prices and fixed - asset investment, net export, commodity price index, monetary supply, bank loans and foreign exchange reserves
我國債券市場價格與固定資產投資、凈出口、物價指數、貨幣供應量、金融機構存貸款和外匯儲備存在長期均衡關系。In this thesis, we have made some academic creations : we have used some new ways to evaluate the instant value of forward loans and made the credit transferring matrix, so we can evaluate the credit risks precisely ; we have pointed out the concepts of liquidity gaps and interest gaps, so we can evaluate this two kinds of risks ; we have found some ways to evaluate the risks of foreign exchange forward contract and interest rate swaps ; we have used var to make a model to evaluate the risks existing in the bonds investments, so we make it possible to control the risks of investment risks
本文在國內已有的相關課題的基礎上做出了一系列創新：通過對遠期貸款的當期估值以及對信用風險轉移矩陣的構建，實現了信用風險var值的測算；通過對流動性風險缺口與利率風險缺口的構建實現了對兩種風險的定量評估以及風險評級；通過對遠期外匯協議以及利率互換風險的評測，使表外業務的風險評估成為可能；用var方法測量了債券投資的風險，使商業銀行投資業務的風險程度得到了控制。The apbf can be characterized in eight aspects : policy - oriented operation, non - profitable target, specified domain, stability of economic resources, favorable charges, certainty of compensatory interest, complementary with commercial finance, specialty in regulation. under the guide of theoretical framework and with the comparison with foreign apbf institutions, we can explains the theoretical basis at large : ( l ) as a developing country, the saving level is low in rural area and capital for investment is scarce so that finances ca n ' t be allocated by market fully when the agriculture protect strategy is applied. the apbf institution supplys low - interest loan which is a selective credit supply method to avoid it ; ( 2 ) taking advantage of the function of the " adverse selection ", apbf can be developed to solve the problems such as scarcity of agriculture information, unsymmetrical information and scarcity of long - term capital
總量方面，資金來源與其所承擔的任務所需資金之間存在著較大的缺口，也缺乏長期穩定的資金來源，資金來源渠道過于單一，籌資功能不健全，且在期限結構上存在突出矛盾；三是不良資產比例居高不下，危及農業政策性金融機構生存和發展的基礎，也潛伏著較大的金融風險；四是貸款業務范圍偏窄，功能發揮受限，嚴重缺乏用於農業基本建設、技術改造、林業、治沙以及農業科技改良等方面的中長期貸款，這與農業政策性金融增加農業投入、增強農業發展后勁、支持農村特別是貧困地區經濟發展的重任很不相稱；五是利益補償不足，弱化了農業政策性金融機構的自我積累能力；六是外部環境不佳。The significant inflows of cash into public equities from private hands signals that market valuations still remain attractive relative to the cost of debt capital
大量的現金從私人投資者手中流向上市股票顯示出市場估值相對于貸款成本而言仍然具有很強的吸引力。Since reform and opening up, especially since 1995, with the construction of diversified sources of funding ( both former national funding for non - road toll charges after ; now for the various forms of financing, loan fees owing on the loan after construction ) and the rapid development of bridge - building technology, a large number of high input, high - tech, big began the yangtze river bridge, like everywhere have built up, as of 2006 3, yangtze river to shanghai jiang yibin, a 42 bridges have been built into the large blocks, 18 blocks in the construction of the bridge
改革開放后，特別是1995年以來，隨著建設資金來源的多元化（原均為國家撥款，建后不收過橋費；現在為各種形式的籌資、貸款，建后收費還貸）及造橋技術的迅猛發展，大量的高投入、高技術、大跨徑的長江大橋如雨後春筍一樣紛紛修建起來，截止2006年3 ，長江宜賓至上海江段有已建成通車的特大型橋梁42座，在建的橋梁18座。On the statement of cash flows, investing activities not only in ? clude the buying and selling of assets that are classified as in ? vestments on the balance, but also include making a loan
現金流量表的投資活動不僅包括那些在資產負債表上歸為投資的資產的買賣，還包括貸款。Considered the actual situation in china ' s stock exchanges, the author regards “ st ” ( special treatment ) as the sign of “ financial distress ” in this dissertation. by applying fisher ’ s multivariate discriminating analysis and logistic regressive analysis, the author creates two predictive models. the main conclusion of this dissertation are as follow : 1. the reasons of the corporation financial distress are due to the poor earnings, the lower net cash and the liquidity problem. 2. the financial ratio indexes of the listed corporation in china include the information of the forecasting financial distress
隨著我國證券市場的日益規范化，根據在客觀、公允基礎上披露的上市公司的財務報告，通過選擇信息含量高的財務指標構建合理的預測模型，獲得對那些財務狀況出現嚴重惡化的上市公司的預警信號不僅是可行的，而且還能使債權人避免貸款的高風險，投資者避免或減少投資損失，公司經營者根據這些信號及早採取相應措施。With the establishment of a special kind of organization - - spy ( special purpose vehicle ), bonds can be issued to the public, and then the fund corrected in this way is to be used to buy the housing - mortgaged loans granted by the banks and the capital and interests of the issued bonds will be paid back with the borrowers " payment for the loan capital and interests
證券化最早的形式是融資證券化，即資金需求者通過在資本市場和貨幣市場上發行證券向投資者籌資的直接融資方式，這種融資證券化形成了目前傳統的證券市場。后來，隨著金融市場大量不動產抵押貸款、汽車抵押貸款、消費貸款和信用卡業務的發展，金融存款機構的資金來源不能滿足房地產抵押貸款等業務的需要。Securitization and investment in financial institutions, the impact of the wave of a growing number of companies to bypass commercial banks directly in the capital market to raise funds to enable these countries to the traditional commercial banking deposit and loan volume declined relative weight, the west bank from the wholesale banking business, the ability to obtain revenue decline
在金融證券化和投資機構化浪潮的沖擊下，越來越多的企業公司繞過商業銀行直接在資本市場上籌措資金，使這些國家商業銀行的傳統存貸款業務量的相對比重下降，西方商業銀行從批發銀行業務中獲取收益的能力下降。This implies for example, measures to encourage the import of specialists, development of long - term professional programmes, providing tax incentives for applied technology, and even providing cheap loans and appropriate amounts of capital injections in short, we should favor much more secure, open and fair methods that has a better chance to ensure long - term benefits for our investments
例如專才輸入及長期培訓計劃，對有明確目標的應用科技生產項目作出稅務上的優惠，甚至低息貸款適量注資等等，都是更有把握亦絕對公開公平的手法，來確保長期的投資效益。分享友人