金融與信貸 的英文怎麼說
中文拼音 [jīnróngyǔxìndài]
金融與信貸
英文
finnate si credit-
With development of half a century, credit card owing to its security and promptitude has replaced cash to become the most desirable way of payment that maintains functions of saving, consuming, account settlement, financing and so on, representing a perfect combination of traditional financial services and modern information technology
經過半個世紀的發展，信用卡以安全快捷的優勢逐步取代現金，成為集存款、消費、結算、信貸、理財等功能於一體的新型支付工具，體現了傳統金融業務與現代信息技術的完美結合，並且滲透到社會經濟生活的方方面面。Expounds the five main aspect of risk in national commercial bank, i. e. signal liability structure, bad loan quality, low capital efficiency, imperfect restriction on interior power, thin consciousness on risk avoidance ; summarizes five characters of the bank risks, including risk concentration, moral risk, risks caused by system structure, inequi ty between bank risks and revenues, aggrandizement trend of bank risks ; analysis eight reasons for bank risks, including proprietary ownership voidance, macroeconomic fluctuation, ineffective capita ] buffer mechanism, enterprise reasons. no synchronous fiscal investment and financial reform, incompetence law and regulation enforcement. chapter4 argues the opportunities and challenges of the financial globalization and requirement for bank risk managem ent. chapters suggests the methods for the risk management of national commercial bank
緊接著在第三章闡述了我國國有商業銀行風險的「五大表現」 ，即負債結構單一、信貸資產質量差、資本充足率低、內部控制機制薄弱、防範風險的意識淡薄；總結了我國國有商業銀行風險的「五大特點」 ，即風險高度集中、風險人為匿藏、風險的體制性、風險與收益嚴重不對稱、風險呈繼續擴大態勢；剖析了我國國有商業銀行風險形成的「八大因素」 ，即金融產權「人格」虛設、宏觀經濟波動、資本金等緩沖機制不健全、財政、投資和金融的體制改革不配套、法律和法規不健全等。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。From left : takaaki kato, general manager, hong kong branch of mizuho corporate bank, ltd., chris chan, regional head, corporate banking, greater china the philippines of sumitomo mitsui banking corporation, james gibson, managing director and head of coverage of calyon, rose lee, managing director, head of corporate banking for hong kong of hsbc, eiichi yoshikawa, regional head for hong kong, general manager of the bank of tokyo - mitsubishi ufj, ltd., hong kong branch, amy kwok, executive director of sun hung kai properties financial services limited, gilles boumeester, general manager for north east asia of rabobank international, mignonne cheng, head of north and east asia, chief executive of bnp paribas, hong kong branch, jiang yi sheng, assistant general manager of industrial and commercial bank of china asia limited, grace fung oei, managing director, regional head of global corporates, greater china client relationships for wholesale banking of standard chartered bank hong kong limited, didier leblanc, managing director, head of loan and syndication, asia pacific, structured finance of bnp paribas, brian but, director and head of syndications for north east asia of rabobank international and derick chan, head of corporate banking of industrial and commercial bank of china asia limited
牽頭經理行加拿大豐業銀行香港有限公司新地副主席兼董事總經理郭炳聯左七于銀團貸款簽署儀式上與眾簽約銀行代表合照，左起瑞穗實業銀行香港分行行長加藤孝明三井住友銀行大中華暨菲律賓企業銀行總裁陳志強東方匯理銀行詹傑遜香港上海豐銀行企業銀行業務常務總監兼香港區主管李慧敏三菱東京ufj銀行香港總支配人兼香港支店長吉川英一新鴻基地產金融服務有限公司執行董事郭婉儀荷蘭合作銀行東北亞洲區總經理鮑銘德法國巴黎銀行東北亞洲區域總裁香港分行行政總裁鄭陶美蓉中國工商銀行亞洲助理總經理姜壹盛渣打銀行香港大中華區環球企業客戶部董事總經理黃馮慧芷法國巴黎銀行香港分行董事總經理白迪曄荷蘭合作銀行董事兼東北亞區銀團貸款部主管畢漢華及中國工商銀行亞洲企業信貸部主管陳寶奎。Secondly, actions between banks and enterprises in china ' s credit market and the motivation of banks " deregulation are deeply analyzed by the means of the game theory. thirdly, the thesis studies how systematic factors in china aggravate the information asymmetry in the credit market from the aspects of property right, financial supervision and information announcement. at last, suggestions on how to dissolve the bank credi t risk and prevent non - performing banking assets increasing are put forward in the aspects of improvement of information symmetry, establishment of incentive and constraint mechanism and elimination of systematic factors which aggravate the information asymmetry
首先，論文分析了我國信貸活動中的信息不對稱所產生的逆向選擇與道德風險對銀行資產質量的影響；其次，作者運用博弈論方法對我國信貸市場中銀行與企業的博弈行為以及銀行違規的動力進行了深入地分析；接著，論文又從產權、金融監管和信息披露這三個方面研究了我國的體制性因素如何加劇信貸市場的信息不對稱問題；最後，論文從提高信貸市場的信息對稱度、建立有效的激勵約束機制以及消除加劇信息不對稱的體制性因素這三個方面對化解我國銀行信貸風險、防範銀行不良資產的新增提出了建議。Draw up policy system of bank to the high - technology industry, establish relative credit management system and financial guarantee policy system
制定高新技術產業投資的金融政策體系；建立與高新技術產業發展相適應的信貸管理體制以及與信貸管理體制創新相適應的融投資擔保政策體系。Legal services on finance : conduct the overall planning and statement on bank loan projects ; supply the legal services concerned on bank loan ; act as the legal adviser for the government owned commercial banks, joint stock commercial banks, city commercial banks and investment banks ; draft, review, amend the contract on banking ; participate in the negotiation, testimony and maintenance of the non lawsuit monetary items ; examine the standing of the borrowers ; conduct the lawsuit and arbitration on the disputes on letter of credit, deposit receipt, entrust loan, capital call market, bank bill
金融法律業務：辦理銀行貸款項目的整體策劃和申報，提供與銀行貸款有關的法律服務，擔任國有商業銀行、股份制商業銀行、城市商業銀行及投資銀行的法律顧問，起草、審查、修改銀行業務合同，參與非訴訟金融項目談判、見證和保全，審查借款人資信，代理信用證、存單、委託貸款、資金拆借、銀行票據糾紛訴訟、仲裁。And make a profound analysis of it from five aspects : the establishment, the financing arrangement, the source of the profits, the extending of the business scope, the business and financing risk controlling, etc. installment, smart buy, smart lese and the transfer of the auto installment contract and re - finance are american finance service mode of automobile. in chapter, by explaining and researching the related policies, for example the manage measure of automobile finance company, i make a deep study about the automobile finance operation in recent years by our
分期付款零售方式、融資租賃方式、信託租賃方式及汽車分期付款合同的轉讓與再融資是美國汽車金融公司的服務模式，汽車金融公司的資金來源於銀行貸款、發行商業票據、消費者存款、債券及其資本金;利潤來自一、資金成本與放款利息的利差;二、高收益、高風險、高利潤回報的金融服務產品;三、將汽Thirdly, analyses the every factor that influences financial demands i. e. the interest rate, average income, expected profit and psychological consciousnesses of microscopic main part ; then through studying the factors which influenced the credit market, points out under the imperfect information condition the results of credit market equilibrium will be : causes the commercial banks to have credit ration behavior, causes the partial high venture enterprise and the few mortgage property enterprises to withdraw from the credit market
再次，分析了影響金融需求的各個因素即利率、人均收入、預期收益和微觀主體的心理意識與金融業務發展的關聯性，並通過分析影響我國信貸市場均衡的各個因素，指出在信息不對稱條件下信貸市場的均衡使得商業銀行會產生「信貸配給」行為，同時使得部分高風險企業、抵押資產少的企業退出信貸市場。It says that the inadequacy of relevant law and ministry, limited financing channels, shortage of venture capital, inefficiency of direct financing channel, shortage of political capital and high cost caused by other financing channels are mains reasons why high - tech smes have difficulties in financing, and financing channels are of core importance to high - tech smes. only efficient channels can solve their problems effectively
並對高科技中小企業融資現狀進行分析，認為法律法規與管理機構不健全；融資渠道單一，難以傳統信貸方式獲得資金；中小金融機構發展受阻，削弱對中小企業扶持的能力；風險投資欠缺、直接融資渠道不暢；政府扶持資金缺乏及其他融資方式成本高致使高科技中小企業融資困難。However, once we take all - sided and impersonal view over the housing finance, we will definitely realize the conflict between the high speed and the low efficiency of it. in this paper, it ' s analyzed that there ' re five factors affecting the efficiency of housing finance, based on the basic situation of china as a developing country and according to some related theories of the western economics. the first one is the dual - track interest rate which presumes that price of housing credit financing is under the control of government to a certain extent, and the rest is open
因此，本文從我國作為一個發展中國家? ?這一基本國情出發，以西方經濟學中有關理論為依據，分析影響我國住房金融效率的因素主要包括：利率雙軌，即一部分住房信貸資金價格受到政府的管制，而另一部分住房信貸資金價格則是開放的；住房金融機構產權不清，特別是政策性住房金融機構產權不清而導致金融創新動力不足，金融工具品種單一，不能滿足居民需求多樣化的要求；住房信貸中由於較高的交易費用，而使內耗偏高、效率降低；住房金融機構不健全，既不存在真正的住房金融機構又缺乏相應的擔保機構；此外，住房金融中融資機制不完備，長期信貸資金來源不足與資產負債的期限結構不匹配也是影響住房金融效率的一個主要因素。The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items
儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。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。We should attach more importance to following channels at present time : broaden monetary market function ; perfect stock mortgage loan ; develop investment institute ; explore investment banking business, including investment funds business channel, insurance business channel and security business channel ; make financial organization renovation. following policy suggestions should be applied : 1 ) perfect the policy environment ; 2 ) treat the problem rationally ; 3 ) implement financial mixed operation system in due time ; 4 ) foster financial market ; 5 ) enhance external supervision ; 6 ) deepen the construction of commercial banks ; 7 ) introduce bank capital into stock market in stages
貨幣市場和資本市場的不協調發展使證券機構出現制度外與體制外融資或違規操作，必須在兩個市場間建立資金和信息對流的寬敞通道，在路徑設計上，當前應擴展同業拆借市場、國債回購市場等貨幣市場渠道功能;完善股票質押貸款，及時推出非券商股票質押貸款，並注重風險防範;大力發展養老基金、保險公司、信託基金等機構投資者，吸收銀行資金間接入市;拓展投資銀行業務，包括基金、保險業務渠道、券商業務渠道、公司業務渠道;設立證券金融公司或金融控股集團，進行組織制度創新。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。The bank and the firm is each other motivating. long - term credit affair, tenancy affair, trust affair, transnational affair, international affair, is the need that the bank bring forward object requirement to the bank, yet the need that the bank change by financial environment ' s variation. the respectively motiv
銀行和企業的關系是互動的，銀行的長期信貸業務、租賃業務、信託業務、跨國業務與國際業務等是企業對它提出的客觀要求，是順應了企業發展需要的結果，也是銀行在金融環境改變下生存和發展的需要。In the new paper i recently wrote on asian learning the wrong lessons from its 1997 - 98 crisis i argued that policies of fixed exchange rates in china and other asian countries are leading to excessive forex reserve accumulation that, being only partially sterilized, leads to excessive monetary and credit creation that, in turn, causes dangerous investment bubbles and asset price bubbles
在這篇文章中我談到亞洲開始從97 - 98的金融風暴中學到教訓，並且我認為固定匯率制才是中國及其亞洲鄰邦的超額外匯儲備之首要原因：盡管屏蔽了小部分影響，固定匯率還是使得她們國內市場流通貨幣量與信貸過多，這又造成了投資泡沫和資產價格泡沫的隱患。Auto finance can improve the efficiency of auto production, service and capital utilization. currently there is only less than 20 % of chinese car buyers are buying on credit comparing with over 70 % in those developed market
汽車金融服務是在汽車的生產、流通與消費環節中融通資金的金融活動，主要包括資金籌集、信貸運用、抵押貼現、證券發行與交易以及相關保險、投資活動，它是汽車業與金融業相互滲透的必然結果。Prior to his employment with us, mr. tsang held key positions in finance and treasury at multinational corporations such as basf and hoechst. prior to that, he worked in global commercial banks in the united states and held managerial positions in merchant banking and corporate finance, credit policy, credit risk rating as well as strategic planning
加入本集團之前，曾先生曾在basf及赫斯特等跨國企業擔任財務及資金管理要職，早前亦曾在美國的國際商業銀行擔任管理要務，參與商業銀行企業融資信貸政策信貸風險評級和策略性規劃工作。The rural finance mechanism is perfect and the development has the pivotal function to the rural economy development. the researches on finance and rural economy development question are so many, but the questions which grow to the rural economy development and the farmer income are not so many that research credit aid with the gauging device, therefore, this article establishes much yuan
研究金融與農村經濟發展的問題的文獻不少，以計量方法研究信貸支持對農村經濟發展及農民收入增長的問題不多，因此，本文通過建立多元時間序列及向量自回歸模型分析影響農民收入增長的因素，然後建立相應的預測模型。分享友人