bank credit capital 中文意思是什麼
bank credit capital
解釋
銀行信貸資金-
Discussion on the securitization of bank credit capital
我國銀行信貸資產證券化探討 -
Thirdly, some investors peculate bank credit capital that results in a damage of the state behalf
開發商對消費者進行欺詐的違法違規行為，損害消費者利益。挪用銀行信貸資金，損害國家利益。 -
Analysis credit contraction under bank capital supervision
銀行資本監管的貸款緊縮效應分析 -
Giving a letter is the capital that points to client of orgnaization of finance of commercial bank xiang fei to be offerred directly, perhaps be to the client in concerned economy activity the compensation that arises possibly, assurance that pays responsibility to make, include financing of loan, trade, bill financing, financing to rent, overdraw, the business inside the watch such as each money advanced for sb to be paid back later, and bill accept, open a l / c, defend case, reserve confirmed, bond issues l / c, letter of credit assure, loan assures, the business outside the watch such as the loan commitment with the asset sale that has recourse, irrevocable untapped
授信是指商業銀行向非金融機構客戶直接提供的資金，或者對客戶在有關經濟活動中可能產生的賠償、支付責任做出的保證，包括貸款、貿易融資、票據融資、融資租賃、透支、各項墊款等表內業務，以及票據承兌、開出信用證、保函、備用信用證、信用證保兌、債券發行擔保、借款擔保、有追索權的資產銷售、未使用的不可撤消的貸款承諾等表外業務。 -
So, in order to deal with the challenge from foreign banks, our country ' s commercial bank must pace up the disposition of the bad assets, and activate the credit asset in the same time buil d up the mechanism to prevent the new credit capital becoming bad asset
要應對資產優良的外資銀行的挑戰，必須加快不良貸款的處置，盤活銀行信貸資產。同時，應建立起有效制約新增貸款成為不良貸款的機制。 -
The interest rate for loans may be decreased in accordance with the interest rate management regulations enacted by the people ' s bank of china for those quality projects underwritten by guarantee agencies with sound operation system, good credit standing, strong capital strength and powerful risk prevention ability
對運作規范、信用良好、資本實力和風險控制能力較強的擔保機構承保的優質項目，可按人民銀行利率管理規定適當下浮貸款利率。 -
Legal services on finance : conduct the overall planning and statement on bank loan projects ; supply the legal services concerned on bank loan ; act as the legal adviser for the government owned commercial banks, joint stock commercial banks, city commercial banks and investment banks ; draft, review, amend the contract on banking ; participate in the negotiation, testimony and maintenance of the non lawsuit monetary items ; examine the standing of the borrowers ; conduct the lawsuit and arbitration on the disputes on letter of credit, deposit receipt, entrust loan, capital call market, bank bill
金融法律業務：辦理銀行貸款項目的整體策劃和申報，提供與銀行貸款有關的法律服務，擔任國有商業銀行、股份制商業銀行、城市商業銀行及投資銀行的法律顧問，起草、審查、修改銀行業務合同，參與非訴訟金融項目談判、見證和保全，審查借款人資信，代理信用證、存單、委託貸款、資金拆借、銀行票據糾紛訴訟、仲裁。 -
Party a shall not use the false contract entered with interested party and discount on or pledge claims such as notes recievable or accounts receivable to cheat the bank of capital or credit
甲方不得利用與關聯方之間的虛假合同，以無實際貿易背景的應收票據、應收賬款等債權到銀行貼現或質押，套取銀行資金或授信。 -
It result in the following conclusions " core stockhoider, commerciai bank and commercial credit are the major finance providers, while the proportion is about 70 % ; the finance proportion from core stocmiolder is dropping yet from commercial bank and non - bank financial institution is rising with the evolution of the non - listed iniernet company ; the major pwt of the listed lnternat company on the nasdaq choose conservative capital structure and property to liability ratio is very low
從統計結果來看，核心股東、商業銀行和商業信用三者是美國新生（未上市）網路公司主要的融資來源； nasdaq上市網路公司大多採取保守型融資結構，資產負債率很低。通過分析信息產業融資結構的演變過程，可以推斷網路公司將逐步向高風險、高報酬的融資結構方向演化。 -
First, the author reviewed the related literature of asset securitization, explained the connotation and the economical significance of asset securitization from many angles, analyzed several essential technologies of asset securitization through using the enterprise financing theory, the financial theory, the system economic theory and the law of averages, constructed a flow chart to analyze the structure and the flow of the operation of asset securitization ; then the author analyses the overseas development tendency as well as the overseas concrete procedure of non - performing loans securitization, proposed several enlightenment ; once more, the author analyzed our country ’ s feasibility of npls, then elaborated emphatically the operation thought of npls of our country commercial bank : regarding the establishment of spv, thought that it most suit the our country current national condition current through pouring the capital to adopt company spv the pattern in our country by the national property management company, and elaborated how to construct and manage the property pond, put forward many kinds of ways of credit enhance for non - performing loans, thought it is the best choice that the product of npls is designed for cmo, the senior bond adopts the public issue, the secondary bond adopt private issue
首先，本文回顧了資產證券化研究的相關文獻，從多個角度闡釋了資產證券化的內涵和經濟意義，運用企業融資理論、金融理論、制度經濟學理論和大數定律剖析了資產證券化的幾項關鍵技術，構建了一個資產證券化流程圖來分析資產證券化運作的結構與流程;接著通過分析國外不良貸款證券化發展趨勢以及具體做法，提出了幾點啟示;再次，分析了我國不良貸款證券化的可行性，然後著重論述我國商業銀行不良貸款證券化的運作思路:對于spv的設立，認為在我國由國家資產管理公司注資採取公司型spv的模式最適合我國當前的國情;並論述了資產池的構建與管理;提出了對不良貸款進行信用增級的多種方式;認為將不良貸款證券化產品設計為抵押擔保債券，高級債券採取公開發行，次級債券採取私募發行是最佳選擇。 -
Commercial bank credit ? granting quota management approaches in china have a function of controlling risks in aggregate credit, but it ’ s difficult to take full advantage of bank assets, and it also implies their realization of bank value. economy capital makes banks more accurately master the client risk by introducing credit ? granting quota, meanwhile, referring to eva as a standard for bank performance will make bank capital and assets to be exploited more
本文共分四部分:在第一部分中，首先引入授信的概念，授信涉及的主要業務及授信業務的特性;在此基礎上系統介紹商業銀行授信管理的內涵和授信管理的原則，表明在授信過程中，必須遵循安全性、收益性和流動性這三個屬性，力爭做到流動性強，風險低（安全性高）而收益高。 -
As revealed by the study, following problems exist : 1 ) the supply of bank capital has a close relation with the fluctuation of stock market ; 2 ) the volume of bank capital flowing into stock market is large and it is estimated that there are 450 - 600 billion of bank capital exist on stock market, 2 / 3 of which are illegal ; 3 ) most bank capital are getting into stock market through illegal channels, such as illegal repurchase of government securities, illegal acceptance and discount of trade bill, embezzlement of customers " guarantee deposit, illegal interbank loan, illegal diversion of credit capital to other purpose, etc. the inflow of bank capital to stock market has dual influences on our economy and finance
表現在： （ 1 ）據估計我國進入股市的銀行信貸資金存量在4500 - 6000億元左右，其中滯留於一級市場的資金規模約為2000 - 3000億元，進入二級市場的規模在2000 - 2500億元之間，國有股和法人股轉讓市場涉及信貸資金規模約為500 - 600億元，然而，在這千億元進入股市的信貸資金中2 3左右都是違規流入的。 （ 2 ）銀行資金入市除同業拆借、國債回購和股票質押貸款三種合法渠道外，多是通過非法渠道流入股市的，其途徑主要包括：違規國債回購、違規商業匯票承兌及貼現、挪用客戶保證金、違規拆借資金、企業違規挪用銀行信貸資金、個人違規使用銀行貸款等。 -
Reasons of credit capital risks of the agricultural development bank, china and its counter measures
我國農業發展銀行信貸資產風險的成因與對策 -
Financial leasing brought up among the penetrate between the bank capital and industry and commerce capital, which is a new financial business expressed the combination between the practicality credit and the bank credit
融資租賃是在金融業發展過程中，銀行資本與工商業資本相互滲透、相互結合的產物，是在現代化大生產條件下產生的實物信用與銀行信用相結合的一種新型的金融業務。 -
Thus, the bank should do well i n the liquidity planning management and the clients " loan requirement prediction ; strengthen the credit management and improve the credit capital quality ; adjust the capital structure, enhance the capital liquidity ; develop middle business and the business out of the asset and liability sheets by financial innovation ; strengthen the high level of civilization services ; intensify the research towards the marketable interest ratio and prevent the liquidity risk caused by the changing of interest rate
為此，該行應該做好流動性計劃管理，作好客戶流動性需求的預測；加強貸款管理，提高信貸資產質量；調整資產結構，增加資產流動性；通過金融創新，大力發展中間業務和表外業務；加強優質文明服務；加強對利率市場化的研究，防止利率變化引發的流動性風險。 -
Bank credit is, originally, a way of indirect financing. by using its own credit, banks absorb the capital from depositors, and create its asset by releasing the loans
銀行信用本質上是一種間接融資，它先是銀行利用自身信用吸納資金，形成負債，然後銀行利用吸納的資金進行信貸發放，形成自己的資產。 -
Credit asset securitization has the function of improving bank ’ s capital adequacy, but the improving degree is limited. compared with issuance of long - secondary bond or stock, the effect of securitization is much weaker than that of the former, which works by increasing bank ’ s capital directly
就不同性質的證券化資產而言，與優良貸款證券化相比，不良貸款證券化會對不良貸款損失進行扣減，從而減少銀行的資本，故它對銀行資本充足率的改善效果較差。 -
Besides, the market information status is well and the bank ' s liquidity management is generally well. however, there is some risk factors : the capital structure of " short deposit and long credit " is serious ; the quality of credit capital is difference ; the middle business is not developed well and the marketable interest ratio has brought bad factors to the bank ' s liquidity management
因此該行流動性管理總體上趨好，但有一些潛在的風險因素： 「存短貸長」的資產負債結構較為嚴重；信貸資產質量不高；中間業務開展不甚理想；利率市場化對該行的流動性管理帶來了不確定因素等。 -
And that the introduction of long - term bank credit - based financing, corporate structure and governance structures imperfect equity, capital markets are underdeveloped, and other reasons, china ' s enterprises currently exist characterized by excessive liabilities serious shortage of funds
而能否建立合理而有效的融資模式關繫到企業能否穩定發展、現代企業制度能否真正建立，進而影響經濟體制改革的總體進程。我國企業目前存在著以過度負債為特徵的資金嚴重短缺現象。 -
Its registered capital is 1. 68 million yuan in1972, and currrent fixed capital is 14 million yuan, and the gross annual value is 10 million yuan. the bank credit grade is a. our company h as good leader team
公司注冊資金19 72年168萬元，現擁有固定資產1400萬元， 1999年實現總產值1000萬元，創利稅125萬元，銀行信用等級為a級。
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