bad debts ratio 中文意思是什麼
bad debts ratio
解釋
壞帳比率-
T - telecomm belongs to china telecomm group, its market share has greatly reduced since 1999, and its business growth ratio is also behind its main competitors. t - telecomm only gained 0. 9 % growth ratio in jan. 2002, compared with the same period of last year. t - telecomm also has large numbers of bad debts, because thousands of customers have n ' t paid their billing, and the total arrearage is between 3 % and 4 % of t - telecomm ' s revenue per year
T電信公司隸屬中國電信集團公司，從1999年開始， t電信的市場份額逐年萎縮，業務增長率也遠遠低於其主要競爭對手， 2002年1月份的業務收入和去年相比僅增長了0 . 9 ；與此同時企業內部卻有大量的用戶欠費、壞帳損失產生，年平均用戶欠費約占其業務收入的3 4 。 -
After 1989, the increase of demand slowed down and facing the complexion of low degree of industrial concentration of product market and financial strain of medi um and small - sized enterprises caused by the circulating trap of " credit squeeze - - - bad loan ", the advantageous enterprises " " wallow in money ", specifically, those listed companies that could finance from the stock market, began to take predatory pricing strategy in succession and tried to enlarge market share and obtain high return by squeezing medium and small - sized enterprises out of the market after 1998, the vicious circle of deflation and " credit grudging " of banks in product and credit markets, overcapacity, the difficulty of retreating of loss - incurring enterprises in some industries from the market for institutional reasons and over - competition in some industries, led to the incessant decrease of enterprises " global income, persistent increase of rate of debts and constant rise of ratio of bad assets of banks, which further intensified the vicious circle of deflation and " credit grudging " of banks
如在改革開放初期，在產品市場需求旺盛和信貸市場預算軟約束的情況下，各類企業的最優決策就是採用高負債、高擴張的「負債的有限責任效應」策略來搶占市場並獲得高回報； 1989年以後，需求增速開始放緩，面臨產品市場產業集中度較低和信貸市場「信貸緊縮-不良貸款」循環陷阱導致的中小企業資金緊張的局面， 「錢袋鼓鼓」的優勢企業（尤其是那些可以通過股票市場融通資金的上市公司）紛紛採用掠奪性定價策略，試圖通過把中小企業擠出市場來擴大市場份額並獲得高收益； 1998年以後，產品市場和信貸市場形成了通貨緊縮和銀行「惜貸」惡性循環的狀況。產品市場上部分行業生產能力嚴重過剩，且由於體制等原因導致虧損企業無法退出，因此這些行業中出現了過度競爭的現象，企業總體收益的不斷下滑、負債率不斷提高以及銀行不良資產率的持續上升，又進一步加強了通貨緊縮和銀行「惜貸」的惡性循環。 -
Bad debts ratio
壞帳比率
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