銀行信用評估 的英文怎麼說

中文拼音 [yínhángxìnyòngpínggū]
銀行信用評估 英文
credit evaluation of 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...
  • 評 : Ⅰ動詞1. （評論; 批評） comment; criticize; review 2. （評判） judge; appraise Ⅱ名詞（姓氏） a surname
  • 估 : 估構詞成分。
  • 銀行 : bank
  • 評估 : estimate; assess; appraise
  1. Ahp - ann based credit risk assessment for commercial banks

    模型的商業銀行信用風險評估
  2. 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。
  3. Secondly, aiming at the shortage of the present study on this problem, this thesis try to make some creative breaks : explain the connotative definition of intermediate business in systematically to benefit this kind of problem to further study ; study the problems of risk aversion and prevention with it ' s development ; evaluate the market risk, the credit risk, investment risk etc. ; try to establish a valid system to evaluate the risk of intermediate business. the main method we used in this thesis to evaluate the risk of intermediate business is var ( value in risk ). at last, study to take some measures which will match the real state of our country to prevent the risk of intermediate business, which will do some good to intermediate business in china " s commercial bank

    其次，針對已有研究中的不足和此類問題的研究現狀，本論文力求創新與突破的是：比較系統地對商業銀行中間業務進行界定和研究其發展策略，有利於對此類問題的進一步深化和擴展；從商業銀行中間業務不斷發展的角度來研究風險規避和防範等問題，評估中間業務面臨的市場風險、信用風險、投資風險和管理風險等一系列風險，嘗試建立有效防範中間業務風險的評估體系，本文主要運用var法來評估中間業務的市場風險；探討符合我國國情的商業銀行中間業務風險防範措施，以期對我國商業銀行中間業務的發展有所裨益。
  4. A model for risk control and avoiding should also be designed in a fashion favorable for marketing, helping to solve this practically significant problem by balancing the double goals well. the goals of market expansion and of risk control, instead of receiving separate care, have to be taken into a balanced consideration in the theoretical analysis of consumer credit business. only by so doing can roots of risks be gripped

    最後，在設計出與風險控制相協調的消費信貸營銷機制的基礎上，筆者從消費信貸業務實務操作的微觀層面出發，針對控制消費信貸風險，在借鑒西方發達國家大型商業銀行的信用評估模型基礎上，嘗試設計適用於我國的消費信貸信用評估模型，最後從政府的角度討論營造有利於消費信貸發展的外部環境問題。
  5. A model based on genetic programming for credit risk assesment in commercial banks

    基於遺傳規劃方法的商業銀行信用風險評估模型
  6. Credit assessment is a very important but rather complicated process for commercial banks. from the past decades to nowadays, different schemes using simple financial ratios and many other statistical methods, such as logistical regression analysis, linear regression analysis, decision trees and so on, are used popularly by commercial banks all of the world

    在國內，銀行對客戶的信用等級評定，還處在對企業的某些財務指標進行評價，而後加權平均確定的階段上，因此迫切需要引入更為科學的方法來確定有效指標，並建立準確的定量模型來解決信用評估問題。
  7. A model based on decision tree for credit risk assessment in commercial banks

    基於決策樹法的我國商業銀行信用風險評估模型研究
  8. 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。
  9. The main sources of the research are documents and files, interviewing thorough with section managers and staffs, and observeing directly the organization operations. the finding of this research : 1. the current performance system is a kind of traditional way by using the financial indicators to measure it ' s own performance

    本研究發現：一、個案銀行信用卡部門系採取傳統的財務性績效評估方式，其評估對象並未推及各科別及個人，且與獎勵制度關聯性甚低。
  10. With a rapid expanding of banking credit on real estate industry since 1998, as long as the housing price soaring, there are a theoretical controversy on real estate bubble in china. at the present, our real estate industry depends deeply on credit funds, the bank credit supports our real estate to its full flourish, while accumulating substantial risk correspondingly. therefore, researching the relationship between bank credit behavior and real estate bubble is of great meaning to understand the formation mechanism of bubble and to take measures to guard against and to dissolve the risk of real estate bubble

    本文借鑒carey模型和herring & wachter模型來研究銀行信貸行為與房地產泡沫之間的關系，認為銀行提供的信貸資金是房地產價格的一個決定因素，銀行信貸擴張是造成房地產價格上漲直至泡沫形成的重要因素;房地產業的高收益率、銀行對風險評估的失敗是銀行信貸集中於房地產業的主要原因;運用行為金融學理論研究表明，房地產信貸市場存在著過度自信與羊群效應行為，這些行為使得銀行低估信貸集中於房地產業的風險，從而使得大量的信貸資金集中於房地產業。
  11. Then according to the physical circumstances of consumption loan service faced by floor banks in china, twelve credit risk evaluation indexes are inducted directly toward the customer who will have the contract of credit risk loan. these twelve credit risk evaluation indexes include 5 continuous indexes : age, residential time, employment time, annual income, financial assets, and 7 discrete indexes : employment industry, educational qualifications, professional qualification, bank deposit, house case, means of communication, insurance case

    其次，根據我國面向基層銀行消費信貸業務實際情況，歸納出了針對信用貸款客戶信用評估標準的十二個評估指標，包括年齡、居住年數、就業年數、年收入和金融資產五個連續性指標和就業產業、學歷、職級、銀行存款、住房情況、交通工具和保險情況七個離散指標。
  12. The foundation of this text, to the investigation of the evaluation system of personal credit in the consumptive credit of bank of developed area of zhejiang province, research and analyze the current personal credit evaluation system of our country in terms of real example, propose that the construction key to the evaluation system of personal credit is supported by relevant laws and regulations, set up the appraisal agency of personal credit with just independence

    本文根據對浙江省經濟發達地區銀行消費信貸中個人信用評估體系的調查，從實證的角度對我國現行個人信用評估體系進行研究分析，提出個人信用評估體系的建設關鍵是在相關法律法規的支持下，建立獨立公正的個人信用評估機構。
  13. This chapter utilizes spss 10. 0 to count the software from demand analysis to the personal credit in the personal consumptive credit of bank of three places, the respects, such as analysis of the reference, risk analysis and construction of the personal credit evaluation system, etc. have carried on comparatively exhaustive real example analysis, content involve personal credit materials obtain and verify, personal credit assess index choose, risk of personal credit take precautions against personal credit construction of evaluation system, etc., and has carried on reason analysis according to the investigation result

    本章利用spss10 . 0統計軟體對三地銀行在個人消費信貸中的個人信用從需求分析、徵信分析、風險分析及個人信用評估體系的建設等方面進行了較為詳盡的實證分析，內容涉及到個人信用資料的獲取與審核，個人信用評估指標的選取、個人信用的風險防範個人信用評估體系的建設等，並根據調查結果進行了原因分析。
  14. Different from bank ' s credit risk evaluation, based on business feature in normal credit sale enterprises, analyzing and selecting some factors ii effecting customer ' s credit, we can constitute a neural network construction for the credit risk assessment. trained and tested by samples, the model can be built to evaluate customers " credit risk reasonably and actively

    有別于銀行信貸風險評價，根據一般信用銷售企業的經營特徵，在分析和選取影響客戶信用的各種構成因素后，建立客戶信用評價的神經網路結構，通過訓練和學習，確定客戶信用度的評估模型，能夠合理和動態地評價客戶信用風險。
  15. 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。
  16. First, the paper ana1yzes the commercia1 credit risk in definition ; second, it exp1ores the cause of the formation of the credit risk and the effect in the financial service industry as well as the whole economy ; then it forecasts and estimates the credit risk by quantitative and qualitative analysis, studies the measure and methods for risk management macroscopically and microscopically, the paper stated deeply the case of abc should make its position dear. under the new situation and explore new solutions to finish the transformation from a specialized bank to a modern commercial bank

    本文對農業銀行信貸風險進行了較深層次的探討，力求從中挖掘出對我國商業銀行具有借鑒作用的合理內核。文章從農業銀行的發展狀況出發，分析了歷史和現實問題，然後探究了信貸風險的成因及對經濟金融發展的重大影響。用定量、定性分析方法對信貸風險進行了預測和評估。
  17. Most rural micro - finance lenders, however, do not have access to credit bureau, and most of their borrowers are poor and self - employment. so the rural credit union can only judge the credit risk

    在西方發達國家，為了減少放貸成本，同時為更有效的評估和控制信用卡消費中的信用風險，銀行紛紛引入了信用評分方法，並取得了很好的效果。
  18. Evaluation of business banks credit risk based on fuzzy influence diagram method

    基於模糊影響圖方法的商業銀行信用風險評估
  19. In this paper, i begin my research with the question of “ how the credit risks of real estate loans do generate ”, firstly, on the base of studying the fundamental bubble theory, i analysis the different behaviors of real estate market, banking loan market, regulators and customers, and try to find the origin of the banking credit risks while the bank provides real estate loans

    房地產信貸風險的產生和積聚，是房地產市場和以銀行信貸為主的金融市場相互作用的一個過程。在銀行為房地產業提供金融支持的過程中，實際上也涉及銀行在面對和評估風險過程中一系列的行為和決策，銀行的這些行為和決策可能成為風險積聚的直接誘因。而國內對于這方面研究分析的文獻還不多。
  20. Commercial banks adopt a transitional measure to assess personal credit and there are potential risks for the transactions due to the limited transactional resources. although the establishment of personal credit record and inquiry system is the ultimate solution to the problems of personal credit in the long run, it can not solve the immediate problems. due to the lack of personal credit in the middle and short period of time, the new transaction at its initial stage is now caught in a bind

    然而，個人消費信貸業務發展卻為我國信用缺失所制約，商業銀行普遍採取個人信用評估的過渡性辦法，事實上由於業務資源所限，隱含的業務風險很大，盡管個人徵信系統的建立從長遠看是發展個人信用的終極途徑，但遠水不解近渴，中短期內個人信用的缺失，足以使這項尚在發展初期，處于起步階段的新興資產業務陷入困境。
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