過度借款 的英文怎麼說

中文拼音 [guòdùjièkuǎn]
過度借款 英文
overly leveraged
  • 過 : 過Ⅰ動詞[口語] （超越） go beyond the limit; undue; excessiveⅡ名詞（姓氏） a surname
  • 度 : 度動詞[書面語] （推測; 估計） surmise; estimate
  • 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...
  • 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...
  • 過度 : excessive; over; undue; ana-; hyper-
  1. This dissertation can be divided into three parts as following : focusing on institutional risk control, this dissertation demonstrated the effect of institutional risk on dis " objects by analyzing the relationship between deposit insurance and financial development, financial stability and market discipline, in light of foreign or native primary theory and empirical results of dis. in virtue of statistical method and with the theory of game, this dissertation explored the cause the institutional risk such as moral risk and adverse selection, on the basis of which discussed the approach of controlling institutional risk and proper deposit insurance pattern. because deposit insurance assessment is the core of institutional risk control, this dissertation introduced and discussed deeply the passive casualty - insurance model, the option - pricing model, the game - theory - based pricing model, and reasonable pricing interval, and put forward the hierarchical pricing strategy of dis on the balance of information confiscatory and risk - based - assessment necessity

    本文以存款保險制度風險控制為中心，在借鑒國內外關于存款保險制度的基本理論和實證的基礎上，通過分析存款保險與金融發展、金融穩定和市場懲戒等方面的關系，論證了存款保險制度風險對存款保險制度目標的影響；並藉助統計學的方法，運用信息博弈論的觀點，從主要制度參與者? ?投保機構和存款保險機構? ?的效用函數出發，對存款保險所引發的道德風險和逆向選擇等制度風險的成因進行深入的剖析，探討有效控制制度風險的途徑和制度參數的安排模式；由於存款保險定價是制度風險管理的核心問題，本文還專門對意外存款保險消極模型、存款保險的期權定價模型、基於信息經濟學的存款保險定價模型以及合理定價區間等定價模式進行深入分析和詳細評述，闡述各種定價思路的局限性和可能運用的空間，通過權衡信息的充分性和風險定價的必要性，提出存款保險制度的層次性定價策略。
  2. When the aggregate total of margin financing [ for that type of security ] in securities business money lending, in the margin trading market, and in securities settlement financing by securities finance enterprises as referred to in the preceding paragraph exceeds 20 percent of the listed shares or number of beneficiary units of that type of security, the remainder under the limit shall be distributed proportionally ; the distribution method shall be drafted by the tsec and submitted to the competent authority for final approval

    前項辦理證券業務借貸款項與信用交易市場及證券金融事業辦理有價證券交割款項之融資餘額合併計算超過該種證券上市股份或受益權單位數之百分之二十時，應依比例分配所餘額度，其分配方式由證券交易所擬訂，並報主管機關核定。
  3. Rmb deposit and loan interest rate float block expands gradually, and progressively move towards marketization day by day. part iii : on the basis of using the experience and lessons of the change of interest rate in other countries for reference in course of the interest rate marketization, it is believed that there should be a course of raising up slightly in the interest rate in the early stage. but the market fluctuations it causes will not be too much ; according to actual operation result and a medium or long term of the reform, foreign currency interest rate has already drawn close to international interest rate competence progressively ; viewed from a short time, rmb loan interest rate total competence will tend towards dropping, some loan interest rate may rise ; the interest rate of the deposit will raise up unilaterally

    總體而言，發展中國家的存貸利差要高於發達國家；第二部分：在總結前幾年利率改革包括市場化改革的基礎上，認為，迄今為止，我國利率市場化改革的程度總體上還比較低：同業拆借利率、貨幣市場債券回購利率、現券交易利率、外幣貸款利率、大額外幣存款利率等已完全市場化或基本市場化，人民幣存貸款利率的浮動區間已逐漸擴大，並已漸進的方式日益走向市場化；第三部分：在借鑒境外利率市場化過程中利率變動的經驗教訓的基礎上，認為在我國利率市場化的初期，利率應該有一小幅上揚的過程，但是其造成的市場波動應該不會太大；從改革的實際運作結果和中長期來看，外幣利率已經逐步的向國際利率水平靠攏；從短期來看，人民幣貸款利率總水平將趨于下降，部分貸款利率有可能上升，存款利率將會單邊上揚。
  4. 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。
  5. Besides, improving the social environment of honesty and trust, clearing the property rights will help reduce credit rationing. on the macro - level, the following conclusions are drawn. the speed of economic growth will slow down owing to credit rationing ; over - borrowing, which is the other side of the coin, will bring a lot of negative effects to enterprises ; the flowing of credit capital from vulnerable market to advantageous market will reduce the welfare of the whole society, and enlarge the gap between these two kinds of markets, which will make the financial system much more fragile

    論文分析了信貸配給在宏觀層面的影響，指出：信貸配給延緩了經濟增長的速度；過多借款與信貸配給現象是一個硬幣的兩面，過多的借款會撐死企業；遭受信貸配給的市場和未受信貸配給的市場並存會造成貧富不均的社會問題；信貸資金從弱勢市場向強勢市場的流動將使整個社會的福利受損，使兩個市場間的投資邊際回報差距更加擴大，從而使整個金融體系更加不穩定。
  6. Personal credit institution results in lowering the transaction cost of consumer credit, and provides the commercial banks for developing consumer credit with the institution condition for assessing the borrowers, exerting credit monitor and controlling the risk of the consumer credit through the sharing mechanism of the personal credit information and the punishing mechanism of it to the defaulter

    個人信用制度的作用在於降低消費信貸交易成本，並通過個人信用信息共享機制和對違約者的懲戒機制，為商業銀行發展消費信貸提供評估借款人、實施信貸監管和控制消費信貸風險的制度基礎。
  7. The simplest way is in namely action travel first open one zhangyi cartoon, toward inside put hundreds of money, return only application credit card by right of deposit next, this kind of means cries " with kakaika ", it is ok to need id card only, and successful rate is very high, only drawback is initiative overdraw the forehead is spent lower, do not exceed 3000 commonly

    最簡單的辦法就是在招行先開辦一張一卡通，往裡面存幾百塊錢，然後憑借存款回單申辦信用卡，這種方式叫「以卡開卡」 ，只需要身份證就可以了，而且成功率很高，唯一的缺點就是初始透支額度比較低，一般不超過3000 。
  8. Officers above that level, known as executive officers, are not eligible to borrow from any affiliate of the company, except ( 1 ) through a grande elite mastercard credit line of $ on terms available to customers or ( 2 ) to a bona fide related interest

    主菅以上階層如執行副總的職位主管不得向公司分支機構借款，除非在與顧客條件相同情況下透過精英萬事卡的貸款額度內借貸或以市場上診詬的利息去借貸。
  9. Therefore, the measures shall include learning the experience of foreign banks in corporate governance, pursuing the interest of shareholders in addition to protecting the depositors " asset safety, eliminate the systematic flaws firstly, secondly, it is to mould social credit, reinforced credit management, optimize credit increment ; meanwhile the bank should also learn the experience from abroad and use the model of three - level filtering for bad loans to combine the self - disposal and trusted - disposal methods in handling current non - performing loans

    所以岳陽市商業銀行首先要借鑒國外商業銀行的公司治理結構模式，完善在追求股東利益優先的同時，將保護存款人利益的目標融入其中的外部監督模式的公司治理結構，消除不良資產增長過快的制度根源；其次是重塑社會信用、強化信貸管理，優化信貸增量；再次要借鑒國外商業銀行處置不良資產的經驗，制定自主處理和託管處理相結合的三級過濾的不良資產置換模式，消減現有存量，逐步消化存量不良資產。
  10. The proport ion of the rura1 deposi ts, savings deposi ts, loans, agricu1tura1 1oans, tves loans of eastern are very 1arge, and the proport ion of midd1e and western region are very sma1i

    農產借款額度普遍較小，借款中正規金融機構貸款比重較低，民間金融特別是民間借貸的比重很大；大多數地區農戶生活性借款比重超過了生產性借款比重。
  11. 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。
  12. In america and elsewhere, banks are helping the elderly gain access to this through reverse mortgages, which let people borrow against the value of their homes ? either in one big, upfront loan or through a line of credit

    在美國或其他地方，銀行正在幫助老年人通過反抵押貸款來使用這些產權，這種貸款是根據他們房屋的價值來借款，要麼是一筆大額預付貸款，或者通過信用額度獲得相應貸款。
  13. 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。
  14. The standard loan amounts that banks make for residential properties usually will not allow the payment to exceed 30 % of the borrower ' s annual income

    銀行為住宅提供的標準貸款額度通常不超過借貸者年收入的30 。
  15. In this thesis, the author tries to explore how to build a feasible system of housing mortgage loan insurance, which accord with the situation of china, based on the domestic conditions and overseas experience. especially the housing mortgage loan insurance of government credit guarantee - bonding system is primarily discussed to build

    在本文中，筆者通過分析這些現狀以及借鑒國外經驗，試圖探索如何構建符合我國國情並切實可行的住房抵押貸款保險體系，特別是對政策性住房抵押貸款保險? ?擔保制度的建立進行了初步探討。
  16. 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。
  17. Article 25 enterprises engaged in such businesses as credit and leasing operations may, on the basis of actual requirements and following approval by the local tax authorities of a report thereon, provide year - by - year bad debt provisions, the amount of which shall not exceed 3 % of the amount of the year - end loan balances ( not including inter - bank loans ) or the amount of accounts receivable, bills receivable and other such receivables, to be deducted from taxable income of that year

    第二十五條從事信貸、租賃等業務的企業，可以根據實際需要，報經當地稅務機關批準，逐年按年末放款余額（不包括銀行間拆借） ，或者年末應收賬款、應收票據等應收款項的余額，計提不超過百分之三的壞賬準備，從該年度應納稅所得額中扣除。
  18. And there does not seem to be any sign of excessive credit creation. indeed, the demand for credit remains rather subdued

    另一方面，香港暫時不但沒有過度借貸的跡象，貸款需求其實仍然較弱。
  19. Credit applicant with a credit record reflecting prompt payment and not over indebtness finds it comparatively easier to obtain new credit, probably better terms, lower interest rate and annual fees

    若貸款申請人的過往信貸紀錄顯示按時還款或沒有過度借貸，他她便相對地較容易獲批信貸、或享有較佳借貸條款如：低息及年費優惠。
  20. The rbi ' s job had been made even harder by the government, which last year encouraged capital inflows by raising the ceiling on foreign borrowing by firms, allowing indian companies to take advantage of lower interest rates abroad than at home

    由於去年政府通過提高企業的對外借款限額而鼓勵資本流入以利用其比國內更低的利息，印度儲備銀行rbi的工作變得更加困難了。
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