銀行徵信 的英文怎麼說
中文拼音 [yínhángzhǐxìn]
銀行徵信
英文
bank reference-
So security and safeguarding of information on computer networks has become one of the most import problems, because of the diversity of network ' s connection, the asymmetry of terminal ' s distribution, the interconnection of computer and the attack of hacker, cracker and vicious software. it is more important for military ' s automation commanding network and banks whose network communicates sensitive data. thus we should apply sufficient safeguarding to these networks, otherwise the computer network will be useless, even jeopard the national security
但由於計算機網路具有連接形式多樣性、終端分佈不均勻性和網路的開放性、互連性等特徵，致使網路易受黑客、駭客、惡意軟體和其它不軌的攻擊，所以網上信息的安全和保密是一個至關重要的問題。對于軍用的自動化指揮網路和銀行等傳輸敏感數據的計算機網路系統而言，其網上信息的安全和保密尤為重要。因此，上述的網路必須有足夠強的安全措施，否則該網路將是個無用、甚至會危及國家安全的網路。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。The bank acts as the first payer and this is the most important feature of l / c
銀行就作為第一支付人進行支付，這就是信用證最重要的特徵。The bank acts as the first payer and this is the most important feather of l / c
銀行就作為第一支付人進行支付，這就是信用證最重要的特徵。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。Then the author choose samples from the listed companies which are customers of banks, and adopted an empirical approach by using the kmv model and logistic model
在銀行與企業的借貸交易中，銀行處于信息劣勢，企業比銀行更了解自身的經營能力、管理水平以及借款項目的風險特徵。If the cardholder s current balance exceeds the cardholder s credit limit, the bank will charge an excess limit fee of hkd130. -
如持卡人現結欠之款項總額超過持卡人獲授予化信用貸款限額，本銀行會徵收超出信用額費用港幣一百三十元。Based on the analysis of types and sources of risks that confront commercial banks, the paper first determines the methodology for its research, i. e. mathematical statistics for quantity factors and the fuzzy discriminating analysis for the quality factors. combining the evaluation approaches of the banks in germany and china, the paper gets 13 common indices, and with mathematical statistical method, chooses 4 factors that will influence customer credits : equity capital / total asset, velocity of stock in trade, velocity of total assets and payoff rate of total sale. the four factors with liquidity factor reflect the customer ' s financial characteristics, such as capital structure, operation, earnings and liquidity
在理論分析的基礎上，結合德國和中國有關銀行的客戶資信評價方法，在得到影響客戶信用13個常用指標的基礎上，利用數理統計分析方法（ t檢驗、多元判別分析和逐步判別分析等）得出影響客戶信用的四個因素：自有資本率、存貨周轉率、總資產周轉率和銷售盈利率，他們反映了企業資本結構、經營狀況和盈利水平，加入企業的流動性以後，它們決定了客戶的財務特徵。The first part is the preface, analyzing the writing background and the practical meaning. the second part begins with the concept of mortgage, then leads to the legal system of outward bill on l / c, analyzing the legal features of outward bill on l / c, the author holds outward bill on l / c one kind of financing action, and it can be explained that the exporter signs the general letter of hypothecation with domestic bank as hypothecation according to the integrated documents according with the demands of l / c. then the bank pays for exporter the l / c fund to a certain proportion according to the general letter of hypothecation
第一章是論文的前言部分，分析了論文的寫作背景及其現實意義;第二章主要是從押匯這一概念引申出信用證出口押匯的法律制度，對信用證出口押匯的法律特徵進行了分析，認為出口押匯是出口商憑符合信用證規定的全套單據作為質押，與出口商所在地的銀行簽訂《出口押匯總質押書》 ，銀行依該協議，按信用證款項的一定比例為出口商墊付貨款的一種融資行為。The first part mainly introduces the law characteristics and law relations of personal living house mortgage loan, makes research and discussion for establishing the mortgage right and the effect of mortgage right of personal living house mortgage loan, in which, the special responsibility of the loan bank of the mortgage loan is primarily approached, introduces the developing situations of the personal living house mortgage loan of loan of our country, mainly analyses the risk and the source of risk of personal living house mortgage loan, points out that the risk of personal living house mortgage loan mainly comes from the credit risk of the house buyer, the risk to realize mortgage right and the risk to treat the mortgaged house
第一部分，主要介紹了個人住房抵押貸款的法律特徵和法律關系；對個人住房抵押貸款的抵押權的設定、抵押權的效力進行了研究和論述，其中對抵押貸款中貸款銀行的特別責任進行了初步探討；介紹了我國個人住房抵押貸款的發展狀況，重點剖析了個人住房抵押貸款的風險、風險來源，指出個人住房抵押貸款的風險主要是來自購房者的信用風險、抵押權實現的風險、抵押房產處置的風險。If the cardholder s current balance exceeds the cardholder s credit limit, the bank will charge an excess credit limit fee of hkd130
如持卡人現結欠之款項總額超過持卡人獲授予之信貸限額，本銀行會徵收超出信用額費用港幣一百三十元。For the case of the north china power grid ( as follower omitted " ncpg " ), discusses these focus question as " ncpg fund dispatching ", " ncpg e - bank ", provides conflict settlement to fund budget and center control by new financial method, computer and internet high - tech skill. the thesis suggests do fund control in all directions, link invest - collect flow with financial fund management together, all fund affairs relatively included in " ncpg fund dispatching ". as a goal, thesis hopes to make fund flow, mass flow and information flow as a line, control fund real time, and realize the enterprise resource planning
文章針對電網的特徵和區域電力公司財務管理體制特點，對電網經營企業的投資管理和籌資管理作了較為詳細的回顧和分析，並結合當前資金管理中的「現金調度」 、 「網上銀行」等熱點話題，以華北電力集團公司為例進行了案例分析，對電網經營企業強化現金調度管理，積極穩妥地開展「網上銀行」業務，提出了思路和建議，初步解決了實際工作中電網經營企業資金集中管理的矛盾；同時，還大力倡導以金融手段創新推動和促進企業資金管理創新，提出了運用計算機、網路等高科技手段，開展資金管理的橫向和縱向調度，把投資、籌資等與資金管理相關的業務環節，納入到資金的綜合調度中來，逐步達到資金流、物流、信息流三流合一，實現資金的實時管理，從而使企業內部資源共享，實現企業資源優化。During this period, the banking public affairs such as the bankers clearing house, accepting house etc came into being one by one, which the s. b. a had been struggling for ten years to achieve. the s. b. a also played an important role in defending the benefit of the banking and in improving the banking business. these achievements were highly valued in the finance history of modern china
上海銀行公會前十年為之奮斗的公共事務如徵信所、票據交換所、票據承兌所等在1927 - 1931年間逐次建成並初具規模，上海銀行公會為促進銀行業發展所做的種種努力，客觀上推動了中國金融業現代化進程。To solving the problem baffling non - state hi - tech enterprises " financing, the government should pass a law clearly stipulating that the state would protect their legal rights and interest, that governments at different levels should give their fiscal support to such enterprises and that the state should set up a development foundation for such enterprises. in addition, the government should improve the financing environment for non - state hi - tech enterprises and encourage risk investment institutions to increase input in these enterprises
具體操作上，應建立並完善適合民營高新技術企業特徵的直接融資市場體系，積極推動創業板市場的設立，建立以產權交易為主的櫃臺交易市場，為民營高新技術企業產權流動、購並活動提供條件，並積極發展培育風險投資機構；建立適合民營高新技術企業特徵的間接融資市場體系，加快中小企業銀行和民營銀行的設立進程，加快銀行業務改革，完善擔保體系；加快企業信用體系建設；完善相關財政稅收政策。In order to resolve the problems that existed in our credit - poverty - alleviation policy, china began to introduce and practice the microfinance projects. china " s micro - finance is a kind of financial activity in the essence. followed the greenbank style china " s rural micro - finance adopted three basic procedures : stringent targeting of the poorest, mutual assistance group, frequent loan repayment intervals
我國的農村小額信貸本質上是一種金融行為，它借鑒孟加拉鄉村銀行模式，在操作上採用「政府+銀行+扶貧合作社」 ? ?三線一體的運作模式，政府直接、主動地參與是我國農村小額信貸的一個突出特徵。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。Nowadays the methods of services of the banking changed greatly with the development at full speed of the information and network technology, and the i - bank is one of the main characteristics
隨著信息技術和網路技術的飛速發展，當今銀行業服務方式發生了極大的變化，網路銀行是其主要特徵之一。Such operation character is related to the soft budget restriction existing between the government and state - owned enterprises, and the government ' s interference in the state - owned banks makes such soft budget restriction transfer to the field of credit
這種行為特徵，與政府和國有企業之間存在的預算軟約束有關。而政府對國有銀行的干預，使這種預算軟約束轉移到信貸領域，從而導致了國有銀行不斷對虧損國有企業提供融資的局面。Contradiction between loan credit risk management and loan business development becomes more serious ; 2. the internal rating - based system is far from completion, so loan credit risk management is not efficient enough yet. 3
1999年以前我國國有商業銀行貸款信用風險具有「雙高」 、 「兩低」 （即高不良貸款余額，高不良貸款率;低收息率，低撥備覆蓋率）的典型特徵。So, before we try to build a set of modern risk management system and raise the risk management level, we should solve many urgent problems, for example building domestic commercial credit models on the new basle agreement frame
國內尚未健全統一的個人徵信系統，對個人的信用狀況缺乏全面的評估，嚴重製約著信用卡透支的信用風險管理。同時，國內銀行在信用卡透支信用風險管理領域還缺乏有效的辦法和經驗。分享友人