銀行信用工具 的英文怎麼說

中文拼音 [yínhángxìnyònggōngjù]
銀行信用工具 英文
bank instrument
  • 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...
  • 工 : Ⅰ名詞1 （工人和工人階級） worker; workman; the working class 2 （工作; 生產勞動） work; labour 3 ...
  • 銀行 : bank
  1. Commercial bank is the special corporation that manages currencies. it is the largest loaner and debtor as the agency of credit and payment and the organization that creates credit tools

    商業銀行是經營貨幣的特殊企業，作為信用中介、支付中介和不斷創造信用工具的機構，它既是最大的債權人又是最大的債務人。
  2. As is well known, the commercial bank is a special enterprise. the business line of managing currencies determines that it is a highly risk industry and it might result in systematic risks and social instability more than go bankrupt only if it is not well managed

    眾所周知，商業銀行是一種特殊企業，經營貨幣信用業務的特性決定了其具有很強的社會關聯度，如果經營不當，不僅會像一般工商企業那樣虧損倒閉，更有可能釀成系統性風險，導致貨幣信用危機，影響社會穩定。
  3. The paper indicates that, on the premise of the reform of property rights, the choice of modes of establishing a healthy credit system in china should follow the way of marketing. therefore a lot of work remains to be done such as opening credit inquiry data, founding the data base, establishing a scientific credit rating system, forming a credit punitive mechanism, etc. the bank should also play its role in the establishment by perfecting the existing credit management system, forming an effective credit risk precaution mechanism, and carrying out the work of interior credit rating

    關於我國信用制度的具體建設，研究表明：在產權改革的前提下，我國信用制度建設的模式選擇應走市場化的道路，必須做好開放徵信數據、建立數據庫、制定科學的評級指標體系、建立失信懲罰機制等多方面工作，並且要完善銀行現有的信貸管理體制，建立有效的銀行信用風險防範機制，開展銀行內部資信評級工作，發揮銀行的作用。
  4. Through summarizing the experiences of the salesman and experts, and drawing lessons from the professional organizations such as banks which have established indexes system for credit rating, the thesis builds its own indexes system of credit rating for tally trade which is intentionally built up for enterprises ; then by contrasting the advantages and disadvantages of the commonly used multi - indexes evaluation methods, adopts the fuzzy hamming network as the primary tool for credit rating

    首先通過總結銷售人員經驗，並借鑒銀行等專業機構資信評級所採用的評價指標，建立適合工商企業應用的客戶信用評級指標體系；然後對比常用多指標綜合評價方法的優缺點和適用范圍，確定採用神經網路模型中的模糊hamming網路作為客戶信用評級的主要工具。
  5. Reyfman and toft. credit derivatives - a risk management tool for non - bank corporations. ( 2001 )

    信用衍生性金融商品適用非銀行公司的風險管理工具。 （ 2001年） 。
  6. As for the commercial banks, credit derivatives are the appropriate new products to meet this need, which are new tools for managing credit risk, mainly including credit default swap, total returns swap, credit linked notes and credit default option etc. this paper is written to introduce this new instrument to china, discuss the environment and conditions in china for the development of credit derivatives, and provide suggestions for it

    對商業銀行來說，信用衍生產品正是為了滿足商業銀行的這種需要應運而生的，是一種新的管理信用風險的工具。目前，我國商業銀行面臨的最大的風險莫過于信用風險。並且，根據我國加入世貿的承諾，我國金融業將於2006年12月11日向外資金融機構全面放開，屆時，外資銀行將和中資銀行站在同一個起跑線上展開競爭。
  7. The insperations that our country have got from it for developing agricultural cooperative finance are as below : firstly have to accelerate countryside financial legislation, and to set 《 cooperative financial code 》 as soon as possible ; secondly to enhance the sustaining force on village finance, and to suggest that villages credit cooperative to be orientated as a implement of the state prop agriculture up through legislation ; thirdly to polish the color up that the village credit cooperatives are of being government - operated, so that it will truly become peasants their own cooperative financial organizations, as just farmers are the owner of it, and it definitely is the " servant " to service peasants

    日本農協金融對我國發展農村合作金融的啟示：一是要加強農村金融立法，盡快出臺《合作金融法》 ：二是要加大時農村金融的扶持力度，建議通過立法將農信社定位為國家扶植農業的工具，將農業發展銀行的縣級支行合併到農信社；三是祛除農信社的官辦色彩，把農信社真正辦成農民自己的合作金融組織，農民才是農信社的「主人」 ，信用社是為農民服務的「僕人」 。
  8. Only evidence member it is appellation of a kind of qualification, need adds attribute to come qualitative, international commerce is for instance only card member, it is to point to in business of international trade settle accounts, make according to selling agreement and l / c clause to be engaged in copy, issue receipts of all sorts of foreign trade settle accounts and letter, hand in a bank to deal with the member that discuss what pay formalities or commend the work such as gathering of silver - colored advancing travel to hold a witness

    單證員是一種資格稱呼，需要加定語來定性，比如國際商務單證員，是指在國際貿易結算業務中，根據銷售合約和信用證條款從事繕制、出具各種對外貿易結算單據和證書，交銀行辦理議付手續或委託銀行進行收款等工作的持證人員。
  9. Banks control the circulation of money by means of credit tools

    銀行通過信用工具控制貨幣流通。
  10. An lic is a tool or instrument of payment, and the payment is guaranteed by a bank.

    信用證是一種支付工具，付款由銀行擔保。
  11. The business scope of china railway investments group limited is : the investment, design and information consultation of projects ; the research, design, development, installation and application of “ the television, telephone and computer three in one digital information system ” of the railway station and train ; railway mobile tv on the trains ; railway cable tv ; railway information website ; railway newspaper and magazines ; railway art performance ; railway movie & tv producing and issuing ; design, make, and issue railway satellite tv advertisement, railway cable tv advertisement, railway information website net advertisement, train television advertisement, train sponsoring advertisement, billboard advertisement on train, supplies advertisement on train, small articles advertisement on train, railway station billboard advertisement, railway newspaper and magazine advertisement, propaganda sheet advertisement ; the investment and construction of railway project ; railway passenger and freight transportation business ; railway chain tourist hotel and catering business ; material trade ; import and export of technology ; telecommunication operating business ; railway banking business ; energy sources exploiting and operating business

    中鐵多經投資集團主要經營范圍為：項目開發投資、策劃及相關信息咨詢；鐵路站車「電視、電話、計算機三網合一數字信息系統」的研究、設計、開發、安裝應用；鐵路衛星電視及鐵路無線寬帶網路電視；鐵路有線互動電視；鐵路信息網站；鐵路報刊雜志；鐵路文藝演出；鐵路影視製作；設計、製作、發布鐵路衛視廣告、鐵路有線電視廣告、鐵路信息網站網路廣告、列車電視廣告、列車冠名廣告、列車上廣告牌廣告、列車上用品用具廣告、列車上小商品實物廣告、火車站廣告牌廣告、鐵路報刊雜志廣告、宣傳單張廣告；鐵路建設項目投資、施工；鐵路客運、貨運業務；鐵路連鎖旅遊酒店、餐飲業務；物資貿易；技術進出口；電信運營業務；鐵路銀行業務；能源開發及運營業務。
  12. Based on the analysis of commercial banks " current concept about fund management, this paper brings forward that fund management is the main - string in its operation, and that the concept of fund management, including security and profitability, is extended from current " forrying fund " to the management of the fund cost and fund risk the paper comprehensively discusses the principle of fund management, the management of fund costs, the tactics of management about fund liquidity, the measures of management about fund risks and how to solve the problems on interest risk in the period of frequent interest fluctuation. the paper puts forward ideas on how to improve the fund management. the security, liquidity and profitability of the fund, which are both contradictory and integrated with one another, are internal factors of fund management. fund liquidity is traditional core question. commercial banks face with a number of risks of witch credit risk is the greatest one because our country has adjusted interest rates 8 times since 1996, which covered a period of frequent interest fluctuation

    商業銀行面對許多風險，但最大風險是信用風險。由於我國自1996年以來已連續調整了8次利率，近幾年是利率波動頻繁時期，研究利率的敏感性問題顯得特別重要。要改善資金管理，提高商業銀行的經營水平，就要建立資金管理是商業銀行經營主線的理念，對資金要統一規劃和管理；要改革銀行的體制，建立現代企業制度和法人治理結構，在體制上為資金管理提供有利的運行平臺；增加改善資金流動性管理所需的貨幣政策工具，擴大資金調控手段；打破貨幣市場的僵化局面，為資金管理創造有利的宏觀環境；續續優化負債結構和負債載體設計；增強資金信用風險規避和化解的措施；通過銀行資源整合，努力尋找資金的安全投放渠道，最終完成經營模式由傳統型向現代型的轉變。
  13. The operation of banking card in china has made a great progress in recent years. but the prosperity of the business of card - issuing doesn ’ t necessarily bring the prosperity of the business of banking card. the reason is, for the virtual nature, electronic nature and the short - term time of emergence of the banking card, the rights of banking card consumers are easier to be violated compared with the traditional credit vouchers or payment tools, for example, the format provisions established by the banks make the consumers hard to choose, the banks charge before discussing with the consumers, and the businesses ’ refusal of the consumers ’ use of the banking cards

    近年來，我國銀行卡發卡業務發展迅速，但這卻並未帶來銀行卡業務的繁榮。其原因是，由於銀行卡的虛擬性、電子性、及其出現時間的短期性，與傳統的信用憑證或支付工具相比，銀行卡消費者的權益比一般消費者更容易受到侵害，具體有以下幾種情形:銀行制定的格式條款讓消費者無從選擇、銀行不與消費者商量擅自收年費、商家拒絕消費者刷卡等。
  14. After following - up investigation and comparison, we found the trend that the credit risk comparison between the domestic evaluation methods and the foreign ones that the m ethods of foreign credit risk analysis have changed from financial ratio grading to multi - va riable and dynamic analysis based on capital market theory and computer information scie nee, but nowadays almost all banks in china evaluate credit risks by the methods of risk de gree computation which lack quantitive analysis

    通過對國內外評估方法的跟蹤、比較，發現國外信用風險分析方法已經從主觀判斷分析方法和傳統的財務比率評分法轉向以多變量、依賴于資本市場理論和計算機信息科學的動態計量分析方法為主的趨勢發展。而目前我國銀行機構主要使用計算信貸風險度的方法進行信用風險評估，缺乏定量分析，衍生工具、表外資產的信用風險已及信用集中風險的評估尚屬空白，更沒有集多種技術於一體的動態量化的信用風險管理技術。
  15. And path dependence theory, marginal theory and optimizing theory are applying in this paper. this article ends up with a few of hypotheses below : at present, retail exposures of credit risk may be valuated by multi - factors score ; company ones of credit risk may be valuated by modified specialist method ; and bank ones of credit risk may be valuated by quasi modern credit risk valuation model ; the destination is to get to the same way to modern credit risk valuation model by which all kinds of risk can be valuated, by the means of motivational transition or compelled one of the institute

    在此基礎上，以會計/市場數據可得性和有效性、金融市場發育程度、利率市場化深度、公司治理結構的完善度以及信用工具本身的特徵（尤其是衍生金融工具）等因素作為細分依據，將我國商業銀行中信用風險暴露（嚴格意義上來說，為了突出本文的觀點，本文僅僅是對商業銀行的部分風險暴露）劃分為:零售信用風險暴露、公司信用風險暴露? ?對大型企業集團的信用風險暴露和銀行信用風險暴露? ?銀行對質優上市公司的信貸業務、銀行的貨幣市場業務以及金融衍生產品業務等。
  16. 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。
  17. In recent years, central bank launches open market operations on a large scale, handles up the basic currency on a large scale, and regulates the money supply and scale of commercial bank credit

    近幾年，央行大規模開展公開市場業務，大規模吞吐基礎貨幣，調節貨幣供應量和商業銀行信用規模，公開市場業務操作已成為央行日常貨幣政策操作的主要政策工具。
  18. Conclusions of classification can be drawn as to whether or not enterprises break a contract according to the financial data of loan enterprises through this model

    此分類將對商業銀行信用風險控制工作具有很好的指導意義。
  19. The letter of credit is the bank instrument that assures the person selling merchandise of payment if he makes the agreed - upon shipment

    信用證是銀行對銷售商品者已裝運訂購的出口貨物承擔付款保證的信用工具
  20. Basel 2 positively encourages banks to use instruments such as credit derivatives

    巴塞爾協議2確使鼓勵銀行使用象信用衍生工具等金融工具。
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