長期信用貸款 的英文怎麼說
中文拼音 [zhǎngqīxìnyòngdàikuǎn]
長期信用貸款
英文
long-term credit facility- 長 : 長Ⅰ形容詞1 (年紀較大) older; elder; senior 2 (排行最大) eldest; oldest Ⅱ名詞(領導人) chief;...
- 期 : 期名詞[書面語]1. (一周年) a full year; anniversary 2. (一整月) a full month
- 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...
- 貸 : loan
- 款 : Ⅰ形容詞1 (誠懇) sincere 2 [書面語] (緩; 慢) leisurely; slow Ⅱ動詞1 (招待; 款待) receive wit...
- 長期 : over a long period of time; long-term; long range; secular
- 貸款 : 1. (借錢給需要用錢者) provide [grant] a loan; make an advance to; extend credit to2. (貸給的款項) loan; credit
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Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as ( 1 ) the loan pricing not been involved in the decision mechanism of credit ; ( 2 ) lacking of risk price ration system ; ( 3 ) mismatching between the interest rate and the risk of the loan items
由於長期的利率管制,我國商業銀行的貸款定價管理十分薄弱,主要體現為貸款定價未被納入信貸決策機制中;缺乏定量化的定價系統;利率浮動的幅度未能反映借款人的信用水平及貸款項目的風險程度。The longest maturity of a petty consumer credit is one year
小額信用消費貸款的最長期限為一年。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。In the face of applying for the new high - tech enterprise of the borrowed money numerously, in order to guarantee the security and profitability of the loan, the business bank must investigate and analyze their credit state, then on the basis of choosing its credit grade, make loan, the loan time limit size, quantify of the loan, how much loan interest rate
面對眾多申請借款的高新技術企業,商業銀行為了確保貸款的安全性和盈利性,必須對它們的信用狀況進行調查和分析,然後在評出其信用等級的基礎上,作出是否發放貸款、貸款期限長短、貸款限額大小、貸款利率多少等信貸決策。The risk can be reduced through four ways, namely establishing personal credit system, increasing default cost, revising repayment methods and strengthening policy support
降低助學貸款金融風險,可通過建立個人信用體系,提高違約成本,修改還款方式、延長還款期限,以及加大政策支持力度四個途徑來實現。In the process, it is necessary to establish a comprehensive system of income calculations and consider the profits brought about by customers, the customers ' credit, the length of the loan period and interest rate risk, as well as the cost sharing of capital funding and operating in commercial banks
在這個過程中,要建立有效的綜合收益測算體系,綜合考慮客戶對商業銀行帶來的綜合收益,客戶的信用風險大小,貸款期限的長短即利率風險大小,以及商業銀行的籌集資金成本和運營成本的分攤等方面的問題。In the old days, a bank was stuck with its loans and needed to worry about the long - term creditworthiness of the borrower
過往銀行在貸款前頗為慎重,借款人的長期信用狀況對銀行也相當重要。However, this sort of loan has short time limit, small quantity and high rate, that influences the development of the small and middle - sized enterprise. there are two reasons for the shortage of the loan. the first reason is rest with the small and middle - sized enterprise : the small and middle - sized enterprise has not good credit condition, do not have good management records and permanent assets, the risk of management is big, the ability of competition is weak, the level of management is low and the consciousness of credit is dim. the second reason is rest with the bank
目前銀行對中小企業惜貸主要有銀行和企業兩方面的原因,其中銀行乃至整個社會大環境不是眾多中小企業所能左右的,因而本文提出通過建立中小企業信用互助來增加銀行對中小企業的信任水平、降低其對中小企業的風險厭惡程度,從而降低中小企業貸款利率、延長貸款期限、增加貸款額度,擴大其融資的可能性邊界,逐步解決中小企業的融資困境。分享友人