commercial loan interest rate 中文意思是什麼

commercial loan interest rate 解釋
商業貸款利率
  • commercial : adj 1 貿易的，商業上的；營業性的。2 〈美國〉（能）大量生產的；營利（性質）的；面向市場的；〈美國...
  • loan : n 1 出借，借出，貸。2 借出物；資金；公債，貸款。3 外來語（＝ loanword）；外來風俗習慣。vt vi 〈美...
  • interest : n 1 利害關系，利害；〈常pl 〉 利益。2 趣味；感興趣的事。3 興趣，關注；愛好。4 重要性；勢力；影響...
  • rate : n 1 比率，率；速度，進度；程度；（鐘的快慢）差率。2 價格；行市，行情；估價，評價；費，費用，運費...
  1. 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。
  2. Second, we select appropriate variables according to the monetary policy transmission mechanism, monetary indicator and the mutual correlationship between the monetary policy and real estate market. we choose corresponding data represented the loan, money supply and interest rate as monetary indicator. and we collect commercial house sales amount and zhongfang housing sales price index of shanghai as the represented variables in china real estate market

    而後根據貨幣政策傳導的機理、貨幣政策中介目標的理論研究和房地產市場與貨幣政策的關聯機制，選擇了較為合適的數據代表信貸、貨幣供應量和利率作為貨幣政策的中介目標，房地產市場商品房銷售額，與中房上海住宅銷售價格指數作為中國房地產市場的代表變量。
  3. Change of the interest rate of loan when commercial banks become more risk averse

    增加風險規避程度對銀行放款利率的影響
  4. It can not only resolve smes " loan difficulty, but also meet pursuit profit in interest rate market of commercial bank to establish risk making - policy mechanism

    銀行建立起合理的中小企業貸款風險決策機制不僅能解決中小企業貸款難現狀，同時可以滿足在利率市場化條件下商業銀行對經濟利潤的追求。
  5. In the first chapter, this paper define the loan behavior of commercial banks as some kind of contract under the market condition, then provides its five premises. furthermore, it performs a academic deduction econometrically by a monopolized market structure model, in terms of both free interest rate and constricted interested rate, from which conclusion is drawn that, also proved by loan rationing theory in various aspects, if there is complete information, loan contract will be helpful to transfer risks. chapter 2 is concentrated on china ' s stated - owned commercial banks

    本文首先對商業銀行信貸行為進行界定，認為商業銀行的信貸行為是市場化的合約行為，並提出了市場化合約行為的五大前提條件，並通過構建壟斷型市場結構下在利率受到限制與利率不受限制條件下商業銀行信貸行為的理論模型對市場化信貸行為進行數學上的推導、分析，得出在利率限制條件下商業銀行與企業之間具有完全信息時，信貸合約是有轉嫁風險的行為，以及利率限制條件下商業銀行與企業之間具有不對稱信息和利率不限制條件下商業銀行與企業之間具有不對稱信息時的各種情況。
  6. 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。
  7. The marketization of interest rate made the commercial bank gain pricing right of fund, put forward the new issue for the bank - - loan pricing at the same time

    利率市場化使商業銀行獲得了資金定價權，同時也給銀行提出了新的課題? ?貸款定價。
  8. We get that the obstacles of securitiation first lies in that the commercial banks do not transfer their mortgage loan solicitously, second the interest rate is not in open market, and third,

    分析得出了我國實施"證券化"面臨的真正障礙在於：一是商業銀行轉讓其住房抵押貸款的意願不強；二是利率尚未市場化；以及來自法律的約束。
  9. Article 19 the lead arranger shall conduct due diligence on the borrower or the finance project before the advance of the loan in accordance with the requirements under the guidelines on commercial banks ' due diligence in the credit granting to small enterprises, and based on the results of the due diligence conduct initial negotiations with the borrower in connection with, among other things, the propose, facility, interest rate, term, form of guarantee, conditions for drawdown, repayment method and related expenses of the loan, and prepare a memorandum for the syndicated loan based on such information

    第十九條牽頭行應按照《商業銀行授信工作盡職指引》的要求，對借款人或貸款項目進行貸前盡職調查，並在此基礎上與借款人進行前期談判，商談貸款的用途、額度、利率、期限、擔保形式、提款條件、還款方式和相關費用等，並據此編制銀團貸款信息備忘錄。
  10. In chinese banking mortgage loan business, by adjusting mortgage rate periodically made chinese commercial bank keep earning stable profit, but impaired bank ’ s willing and ability to manage interest rate risk

    鑒於我國住房貸款業務長期以來採用定期調整利率的方式，將利率風險轉嫁給貸款人。這種方式使商業銀行能獲得穩定利益，但也減弱了商業銀行主動進行利率風險管理的動機。
  11. On the interest rate of business loan and the development of commercial loan during the late ming dynasty

    晚明商人借貸的利息率與商業性借貸的發展
  12. Firstly, commercial banks should innovate organization institution and financial instruments ; secondly, banks must intensify cultivating interest rate risk management personnel promote the ability to predict long - term and short - term interest rate level ; thirdly, commercial banks should set up advanced pricing mechanism of loan and deposit ; fourthly, commercial banks must set up effective interest rate risk prevention mechanism

    最後還提出了我國商業銀行應對風險的具體策略：第一、進行組織制度創新和金融工具創新；第二、加大利率風險管理人才培養，提高商業銀行對長短期利率的預測能力；第三、建立科學的存貸款定價機制；第四、建立有效的利率風險防範機制。
  13. The ? interest ? rate ? level ? and ? the ? interest ? rate ? structure ? unreasonable ? mainly ? display ? in : ? most ? recent ? several ? years ? because ? the ? government ? adopts ? the ? low ? interest ? rate ? policy, ? the ? interest ? rate ? level ? is ? in ? the ? historical ? most ? low ? point, ? saves ? the ? loan ? advantage ? difference ? unceasingly ? to ? reduce, ? the ? goal ? is ? the ? maintenance ? loose ? currency ? environment ? promotes ? the ? economy ? to ? grow, ? but ? individual ? deposit ? not ? only ? does ? not ? have ? massively ? to ? drain, ? on ? the ? contrary ? personally ? deposits ? 18 % ? speed ? fast ? growth ; ? these ? two ? years, ? and ? further ? because ? is ? the ? stock ? market, ? the ? fund ? rise, ? massively ? deposits ? the ? fund ? to ? flow ? to ? the ? stock ? market, ? this ? not ? only ? suppressed ? the ? commercial ? bank ? to ? provide ? the ? loan ? the ? impulse, ? moreover ? also ? caused ? the ? commercial ? bank ? to ? manage ? active ? the ? profit, ? the ? security ? and ? the ? fluidity ? comes ? under ? a ? more ? tremendous ? influence

    利率水平和利率結構不合理主要表現在：前幾年由於政府採取低利率政策，利率水平處于歷史最低點，存貸款利差不斷縮小，目的是維持寬松貨幣環境以促進經濟增長，但是個人儲蓄不僅沒有大量流失，相反個人儲蓄18 %的速度快速增長；這兩年，又因為股市，基金的上漲，大量儲蓄資金流向股市，這不僅抑制了商業銀行發放貸款的沖動，而且還使商業銀行經營活動的盈利性、安全性和流動性受到較大影響。
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