corporate borrowers 中文意思是什麼
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This publication is the joint guidelines issued by the hong kong association of banks hkab and the hong kong monetary authority. the guideline sets out formal but non - statutory guidelines on how banks should deal with corporate borrowers who are in financial difficulties and the way in which corporate workouts should be handled by banks
本書由香港金融管理局與香港銀行公會共同頒布，其中載有正式但並非法例規定的指引，包括機構應如何處理陷入財政困難且涉及多家銀行的貸款客戶。 -
China ' s banking industry is transforming from relationship banking to price banking, which will lead banks to give more credit to the borrowers and projects with low risk and high return. as s result, the credit of vulnerable borrowers will be much more rationed. the relationship between banks and customers will be substituted with contract interests, and removing the interest cap can drive banks to compensate risk with higher interest only if the corporate governance of both banks and enterprises stays in a state of scientific check and balance
論文探討了銀企關系、抵押品與信貸配給的關系，主要結論有：中國銀行業正在經歷從關系銀行業到價格銀行業的轉變，這一轉變將使銀行貸款向風險低、收益高的借款者或項目傾斜，弱勢借款者可能更加遭受信貸配給；只有當銀行和企業的公司治理結構都比較健全時，銀企關系才可能在很大程度上被交易合同中的利率變化所替代，也只有在這種情況下，利率市場化才能使銀行有可能用提高利率來補償貸款風險，從而一定程度降低信貸配給的程度；提高社會誠信環境，明晰產權並完善財產交易制度，有助於緩解信貸配給狀況。 -
As the risk of borrowers increases, the lost of banks offering inter - guarantee loans increases rapidly, so inter - guarantees havea negative effect on the corporate value of banks
銀行提供貸款時允許企業相互擔保等於潛在為相互擔保企業提供了免費的部分擔保，隨著借款人風險的增大，相互擔保條件下的銀行或有損失急劇增大，相互擔保對于銀行的價值有顯著的負面影響。
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