轉融通借入款 的英文怎麼說

中文拼音 [zhuǎnróngtōngjièrùkuǎn]
轉融通借入款 英文
marginal loans from other securities lenders
  • 轉 : 轉構詞成分。
  • 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; ...
  • 通 : 通量詞（用於動作）
  • 借 : 動詞1 （借進） borrow 2 （借出） lend 3 （假託） use as a pretext 4 （憑借; 趁著） make use of; t...
  • 入 : Ⅰ動詞1 （進來或進去） enter 2 （參加） join; be admitted into; become a member of 3 （合乎） conf...
  • 款 : Ⅰ形容詞1 （誠懇） sincere 2 [書面語] （緩; 慢） leisurely; slow Ⅱ動詞1 （招待; 款待） receive wit...
  • 融通 : allow temporary credit
  1. At first, this thesis analyzes sorts of residential mortgage risks, brings forward some methods of risk control, points out that insurance is the most effective way to transfer the risks of residential mortgage, and introduces some insurances on residential mortgage in domestic financial market and abroad, expounds particularly the successful experience of usa where the business insurance agents, fha and va provide full ensurance for the loans of bank to disperse default risk, thus promotes the prosperity of real estate finance

    本論文首先從分析住房抵押貸款的風險種類入手，提出了多種風險處理措施，指出住房抵押貸款風險最有效的轉移措施是保險，並介紹了國內外現行住房抵押貸款有關保險，詳細闡述了美國的成功經驗：通過商業保險公司、 fha 、 va等機構對銀行放款提供全方位保障，化解來自借款人不能償付貸款的風險，促使整個房地產金融活躍起來。
  2. To idiographic institution, the main causes of the debts forming are as follow : the finance rights and affair rights are digit in the process of the finance and tax system, the finance rights are up collecting, and the affairs rights are down moving, the finance gap formed in the process of the finance and tax system, the comparative economic shrink in the anaphase country reform, the finance ingathering became fewer : the political and the administration system reform is disjoint to the economic system reform, the village and town government financial action is lost echo obligation, the expenditure break through the budget, and so on, otherwise, the country financial system reform is lag, the invests are becoming bad for the country government intervention to economic field, the country government action is short of efficient criterion, cut down the centre transferring geld to the farmers and delay to carry out the legal payment ; the effective supervision to the loan is short of about national to the non - financial machine, and so on, so the debts form at last

    但從根本講，還是制度的原因，是國家通過制度的安排來對利益進行重新分配，導致鄉鎮政府財政收入短缺，產生債務需求，最終形成債務。從具體的制度上看，主要有:財稅體制改革中的財權與事權的錯位，財權向上集中、事權不斷下移;農村稅費改革產生財政缺口;農村改革後期出現的經濟相對萎縮，財政收入減少;政治制度和行政管理制度改革與經濟改革脫節，鄉鎮政府財政行為失去應有的約束，導致開支突破預算等等，產生債務需求。另外，農村金融體制改革的滯后;鄉鎮政府對經濟領域的高度介入，出現經濟投資虧損;政府行為缺乏有效規范，截留老百姓的轉移支付款項、拖延履行法定支付義務;國家對非金融機構借貸行為缺乏有效監管等等，產生債務供給。
  3. Personal real estate loan is a financial product that was brought in during the transformation from the welfare housing allotment system tomagnetization of housing allotment. this product refers to the loan made by the credit giver to the credit receiver for purchasing personal common real estate

    個人住房貸款是我國福利分房制度向住房分配貨幣化轉變過程中引入的一種金融產品，它是指貸款人向借款人發放的用於購買自用普通住房的貸款。
  4. Finance is the core of contemporary economy, and commercial banking is the principal part of finance system after china j oined the wto ， the biggest problem which commercial banks of our country encounter has been the problem of system risks therefore the research on managing and keeping away the commercial banking system risks of our country has great academic and practical significance by expatiating the basic theories of financial system which includes the theoretic analysis of four aspects ： financial organization financial market system financial supervision system and financial system innovation together with the characteristics of commercial banks of our country in the transitional period the paper analyzes the ~ eneration mechanism of the commercial banking system risks of our country the defnition and characteristics of system risks ， the behavior and the various factors of the commercial banking system risks one by one at the same time the main aspects of american and german commercial banks which include the type and appellation of commercial banks ， the exterior form of organization 。 the dealings management system the deposit insurance system and the development current of commercial banks ， are compared in addition ， the financial supervision systems of america ， british and japan are studied in detail based on the above analyzing combined with the situations in our country, the beneficial reference ’ and inspiration that we can draw are analyzed then it can be concluded that the origins from which the commercial banking system risks of our country derive exist in the peculiar property right system ， organization system ， capital system and juridical person system of our country, etc therefore to prevent and solve the commercial banking system risks of our country, we should begin with eliminating the system sources that result in risks and keep away the banking risks effectively by innovating the system in this paper, several precaution measurements are also proposed including accelerating decentralized regrouping of country, owned property, reforming the organization system of the commercial banks monopolized by the colintry, reforming and constructing capital system ， establishing modem iuridical person system of commercial banks ， and so on

    加入wto后，我國商業銀行所面臨的最大憂慮就是制度風險問題，因此，對我國商業銀行制度風險的管理和防範研究具有重大的理論和現實意義。本文通過對金融制度基本理論的明確闡述，它包括：金融組織理論分析、金融市場體系理論分析、金融監管制度理論分析和金融制度創新理論分析四個方面的內容；結合當前轉軌時期我國商業銀行的特點，逐一對我國商業銀行風險的生成機理、制度風險的涵義及特點、商業銀行制度風險表現以及商業銀行制度風險的各種因素進行了分析；同時還對美國、德國商業銀行制度的主要方面進行比較研究，包括商業銀行的類型和名稱、外部組織形式、業務經營制度、存款保險制度和商業銀行的發展趨勢；以及對美國、英國、日本三國的金融監管制度進行了較詳細的分析；並在此基礎上結合我國實際，分析了我國可從中得到的有益借鑒和啟示；根據以上分析，得出我國商業銀行制度風險產生的根源在於我國特有的產權制度、組織制度、資本制度和法人治理制度等。為了防範和化解我國商業銀行的制度風險必須從消除這種風險產生的制度基礎入手，通過制度創新來有效防範銀行風險，本文提出了若干相關防範措施，包括：加速國有產權的分散化重組、改革國有獨資商業銀行的組織制度、改革與建設資本制度和建立現代商業銀行法人治理制度等。
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