銀行信用分析 的英文怎麼說

中文拼音 [yínhángxìnyòngfēnxī]
銀行信用分析 英文
credit analysis on banks
  • 銀 : Ⅰ名詞1 （金屬元素） silver （ag） 2 （姓氏） a surname Ⅱ形容詞1 （跟貨幣有關的） relating to curr...
  • 行 : 行Ⅰ名詞1 （行列） line; row 2 （排行） seniority among brothers and sisters:你行幾? 我行三。where...
  • 用 : Ⅰ動詞1 （使用） use; employ; apply 2 （多用於否定: 需要） need 3 （敬辭: 吃; 喝） eat; drink Ⅱ名...
  • 分 : 分Ⅰ名詞1. （成分） component 2. （職責和權利的限度） what is within one's duty or rights Ⅱ同 「份」Ⅲ動詞[書面語] （料想） judge
  • 析 : Ⅰ動詞1. （分開; 散開） divide; separate 2. （分析） analyse; dissect; resolve Ⅱ名詞（姓氏） a surname
  • 銀行 : bank
  1. As for acquiring customers, the game between bank and credit card customer is firstly analyzed, and on the base of the analysis, we can conclude that customers are to obey theirs credit under the rule that customers credit records are shared among the banks. therefore the bank can enlarge its customer group by granting credit to them and the relationship between banks and customers can be established. at the same time, the structure of personal credit evaluation is proposed, the fuss synthesize evaluation method is applied in the case

    在分析客戶關系管理的基本思路應用於信用卡的具體模式時，在獲取客戶關系方面，文章首先分析了信用卡客戶與銀行的信用博弈關系，提出了在銀行業內部徵信的前提下，銀行應對客戶建立善意推定，相信客戶的信用能力，廣泛授信，建立信用卡客戶關系；同時提出了在徵信前提下，銀行信用卡的個人信用評估指標體系以及信用程度的模糊綜合評判法，並進行了算例分析。
  2. 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。
  3. Then, the paper points out the main problem of the crisis are shortage of personal information share and distemperedness of punishment system to breach of faith. thirdly, according to the survey of bank ' s employees and other ordinary " people, the paper discusses the structure and intensity of banks " information requirements. in succession, the paper discovers the different kinds of the sources of personal information, especially the attitudes of banks to providing the personal information that is saved in their own databases

    然後，結合統計軟體spss10 . 0 ，文章對157個針對銀行職員（分佈在13家銀行）的調查樣本和172個針對普通居民的調查樣本進行了統計分析，得出我國銀行判斷個人信用狀況所需的個人信用信息的結構以及各自的需求強度；分析了各個個人信用信息供給源，特別是銀行提供個人信用信息共享的狀況、動力（或態度）和障礙；與此同時，對我國建立個人信用信息體系過程中，如何理解個人隱私以及如何保護個人隱私的問題，文章也做了詳細地闡述。
  4. The bank vulnerability has been matter of concern in the works of economic historian and the institutional school. the classical economists such as marx, marshall, keynes mainly describe and analyze bank crisis from the angle of economic cycle, minsky and kindleberger introduces the behavior factor of microscopic main body into the analysis of bank vulnerability. the development of the game theory and the information economics lay a solid foundation for stiglitz and weiss ' s study about bank vulnerability

    銀行脆弱性問題在經濟史家和制度學派的著作中多有論及，馬克思、馬歇爾、凱恩斯等經典經濟學家主要從經濟周期的角度描述銀行危機的現象和原因，分別重視信用規模不穩定和社會流動性偏好的波動對銀行系統的影響，但馬克思將銀行信用危機看作是經濟危機的結果；明斯基、金德爾伯格引入微觀主體的行為因素對銀行的脆弱性進行分析；博弈論和信息經濟學的發展最終為斯蒂格利茨、韋斯等人對銀行體系脆弱性的研究提供了較為系統、堅實的微觀基礎。
  5. An analysis of factors of performance of credit management of china commercial bank

    我國商業銀行信用管理績效因子分析
  6. The defections of the banking corporate governance and its influence on the credit risk are analysised in this paper. the relationship between the credit risk and the banking corporate governance is demonstrated in a game model. the insider control facts, such as the loans beyond the limit, loan off the balance sheet, investment in other enterprise that happened in the history, revealed that the effect of banking corporate governance on the credit risk

    論文探討了銀行治理結構的內涵，分析了國有商業銀行治理結構的內在缺陷及其對銀行信用風險的影響，對銀行和企業之間的博弈分析揭示了公司治理缺陷與信用風險的內在聯系，對建設銀行繞規模貸款、帳外帳、自辦實體等內部人現象的數據分析證實公司治理缺陷對形成信用風險的影響程度。
  7. Therefore, to reduce this margin and strength our commercial banks ’ competitive capacity, we should make the thorough research on these approaches. the main object of this dissertation is to enrich our measuring theories of credit risk, analyze the possibility to apply the modern measuring approach in our country and give the proposal towards the application of these approaches

    以上是本文研究的主要問題，希望通過對這些問題的回答，豐富和發展我國商業銀行信用風險度量與管理方法，同時對中國商業銀行應用現代信用風險度量方法的可行性作出一個比較客觀的分析，並對引入這些方法的步驟給予建議。
  8. Credit analysis on banks

    銀行信用分析
  9. Secondly, this dissertation introduces the operation principles of kmv and creditmetrics models, and emphatically probes into how the models to measure credit risk of assets portfolio, and analyses the applications in credit asset pricing, the investment decision based on var and the supervision by using internal credit risk measurement models, and advances creditmetrics model based on conditions of china ' s commercial banks, and studies fundamental conditions, limited conditions, and how to use moutun ' s pricing model testing results of creditmetrics model

    接著對kmv模型和creditmetrics模型的運作原理進行了介紹，並重點探討了模型是如何對信用資產組合的信用風險進行度量，以及對信用資產定價、基於受險價值的投資決策以及利用內部信用風險度量模型進行監管等方面作了分析，提出基於我國商業銀行信用風險實際的creditmetrics模型，分析了該模型運用的基本條件和限制條件以及如何使用默頓定價模型對creditmetrics模型分析結果進行檢驗。
  10. The thesis begins with the introduction of theories in credit risk management. based on the analysis of credit risk ' s economic aftereffects, it puts forward the target and principles of credit risk management, and introduces the process and technology of credit risk management

    本文首先對商業銀行信用風險管理進行了基本的理論分析，在分析商業銀行信用風險的經濟後果的基礎上，提出了商業銀行信用風險組合管理的目標和原則，介紹了商業銀行信用風險管理的過程和技術。
  11. This thesis takes zhenjiang city commercial bank ( zccb ) as the research object, stating with the basic theory of credit risk by way of analyzing in combining the theory into practice, and then deeply analyzing the current status and credit risk system in order to find the weak aspects on the basis of research, and with consulting foreign banks " advanced means in controlling credit risk and with importing the credit risk management system project, specially importing the model of crdeit metrics, the most important means in measuring the var value of credit risk in the above mentioned project, and then puts forward the conclusion that the means in managing the credit risk is changeable and dynamic with using synthetic ways in accordance with the practical status, and also advises how to improve the credit risk management on the part of zccb

    本論文以鎮江市商業銀行為研究對象，從商業銀行信用風險的基本理論入手，運用理論和實踐相結合的分析方法，深入分析了鎮江市商業銀行的經營現狀和鎮江商行信用風險體系，找出其薄弱環節。在此基礎上，借鑒國外銀行信用風險管理先進手段，引進信用風險管理系統工程，特別是此系統工程中最為重要的信用風險量化手段creditmetrics模型測算風險的var值，構建了鎮江市商業銀行信用風險管理的模型，提出了在強化信用風險管理相關環節的同時，必須進行raroc考核，以評定相關信貸人員的業績及分配風險資本。並針對鎮江市商業銀行的實際，提出了改進鎮江商行信用風險管理的措施建議。
  12. Except for the standardized qualitative analysis, the essay also makes attempted research into the forewarning system and prediction models of bank credit risk

    除了規范性的定性分析之外，本文還對銀行信用風險的預警機制和預測模型進行嘗試性的研究。
  13. On the basis of the asymmetric information theory, quantity theory and early - warning theory, contraposing the factors which impact the commercial banks credit risk, the dissertation analyzes the composing factors of the credit risk manage, establishes a management system of a commercial bank credit risk

    在信息不對稱理論、量化風險理論以及風險預警理論的基礎上，針對影響商業銀行信用風險的各種因素，分析信用風險管理系統的構成要素，建立一個商業銀行信用風險管理系統。
  14. For advancing the core competition complicity and exploiting international market, this article quite systematic research credit risk measurement technology and management way, the main conclusion as following : analyzing several commonly used credit grading methods ’ good and bad points and their compatibility. facing to the characteristic with finance data lack in our country, using the grey systems theory, we propose one kind of credit grading method based on the degree of grey incidence in view of keeping away corporations ’ default, and gives the example analysis

    本文圍繞提升商業銀行核心競爭力和開拓國際市場的實際需要，針對我國商業銀行信用風險管理中的關鍵問題，如信用風險度量技術和管理方式等進行了系統的研究，主要內容如下:分析了幾種常用信用評分方法的優缺點及適應性，為有效防範企業違約，針對我國金融數據少的特點，提出了一種基於灰色關聯度的信用評分方法，並給出算例分析。
  15. Lastly, it analyses the management methods of credit risk, market risk and operation risk of our commercial banks : in the section of the credit risk, it begins with risk recognition, introduces the difficulties of establishing the internal ratings - based approach of our commercial bank and puts forward the management thinkings from the five respects : the setup of irb, credit culture establishment, the modification of information announcement, the innovation of credit management tools and improvement of the capital adequate rate. in the section of market risk, it introduces the reason of strengthening its management of the whole world and our country, analyses the most important method - var and then discusses its operation inour country commercial banks. in the section of the operation risk, it defines the internal meaning, analyses the different measure means, points out current pressure of our commercial bank ' s facing and finally proposes the rightful operation risk management tactics combining the actual situation of our country

    首先是對新協議本身的研究，介紹了巴塞爾協議的邏輯演進、新協議的主要內容及主要特徵；其次從最低資本要求、監督部門的監督檢查和市場約束三大支柱入手，分析新協議對我國商業銀行風險管理可能產生的不利影響；最後分析了新協議框架下我國商業銀行信用風險、市場風險和操作風險的管理思路：信用風險部分從對其的識別分析入手，介紹了我國商業銀行建立內部評級法的必然性，最後從內部評級體系的構建、良好信用管理文化的建立、信用風險的信息披露改進、信用管理工具創新和提高資本充足率、構建統一的風險管理組織結構六個方面提出了我國商業銀行信用風險的管理途徑；市場風險部分介紹了全球以及我國加強其管理的原因，對當前市場風險管理的主流方法? ? var方法進行了詳細的闡述，並進而對var方法應用於我國商業銀行市場風險管理中的若干問題進行了探討；操作風險部分在正確界定其內涵的基礎上，重點分析了各種計量方法，並指出現階段我國商業銀行加強操作風險管理的緊迫性，最後並結合我國的實際情況提出了合理的操作風險管理策略。
  16. On the basis of the reasons for credit risks of the state - owned commercial banks being analyzed, this paper points out that high non - performing loans rate is due to the lack of effective macro and microcosmic systems in china

    在分析我國商業銀行信用風險形成原因的基礎上，指出經濟轉軌過程中宏觀和微觀的有效制度的雙重缺失是造成商業銀行不良貸款率居高不下的根本原因。
  17. The application of dm technique to banking consists of four components : customer relationship management, risk management, credit grade evaluation, and service analysis and forecasting

    數據挖掘技術在銀行領域的應用有四個方面:銀行客戶關系管理、銀行風險管理、銀行信用等級評估、銀行服務分析和預測。
  18. Risk management is the basis of customer credit analysis, the key to successful operations of commercial banks

    摘要客戶信用分析是商業銀行風險管理的基礎，而風險管理是商業銀行取得經營成功的關鍵。
  19. Based on the basic theory of credit rating, the author analyzed the credit status of xintian international trade co. ltd. and completed a credit rating report of the client. the analysis and report combined basic contents and fundamental principles of the credit rating system of china development bank. at the same time, the author discussed the deficiencies of the bank ' s credit rating system and gave some suggestions using case study

    本文作者根據信用評級的基本理論，結合國家開發銀行信用評級體系基本內容，並運用開發銀行信用評級的基本原理，對新天國際經貿股份有限公司的信用狀況進行分析，形成該客戶的信用評級報告，同時結合實例分析結果，對開發銀行信用評級體系存在的不足進行了闡述，同時提出了建議。
  20. This paper firstly introduce and analyze the profit mode of civil commercial banks ' business of credit card, then analyze how to manage the risk of business of credit card of civil commercial banks in the direction of the risk factor affecting profit and cost, and propose that the level of risk management can be enhanced by dividing goal client base strictly, perfecting system of customers service, monitoring information of customers and performing rational management of raising fund

    摘要本文首先對我國商業銀行信用卡業務的盈利模式進行介紹分析，然後分別從影響利潤和費用的風險因素的角度對我國銀行信用卡業務的風險管理進行分析，提出現階段可以通過嚴格劃分目標客戶群、完善客戶服務體系、對客戶信息進行實時監督、採取合理的籌資管理等途徑來提高我國商業銀行信用卡業務的風險管理水平，進而縮小我國銀行業信用卡業務與外國銀行業信用卡業務的差距。
分享友人
分享到 Line

分享到臉書