loan pricing 中文意思是什麼
loan pricing
解釋
貸款計息-
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。 -
In order to make the research of this paper more practicable, the paper combines the actual situation of market - oriented interest rate of china, compares and analyses the base leading rate affixation model, the cost plus pricing model, and the customer profitability analysis model, which are all very popular abroad. based on this, and according to the basic principles of lending pricing, the paper introduces the concept of loan - term compound interest, and constructs a lending pricing model on " the mobile choice between cost and market price ", which is practicable under the condition of market - oriented interest rate
為使本文的研究更有實踐意義，本文結合中國利率市場化趨勢，比較分析了國外普遍採用的「基準利率加點」 、 「成本加成」 、 「客戶盈利分析」等貸款定價模式在中國的適用性，並在此基礎上，根據貸款定價的基本原則，引入貸款期限復利概念，構建了利率市場化條件下具有實際可操作性的「成本與市價相機訣擇」的貸款定價模型。 -
Commercial customers would also benefit from higher transparency which would result in more competitive loan pricing
同時，企業也會因為本身的透明度提高，促使更多銀行願意向企業貸款。 -
The last part of this essay mainly research on the foundation of loan pricing model, which includes risk premium, cost of funds, operation cost, supposed profit
文章最後一部分對貸款定價模型的基礎因素，即風險溢價、資金成本、營業成本和資本目標回報展開研究。 -
This paper analyzes the institutional defects in view of the policy environment, the primary market of mbs, the secondary market of mbs, and offers countermeasures : first, setting up national housing mortgage management institution, second, enlarging the service scope of housing mortgage - backed loan, third, differential loaning, fourth, regularly issuing the pricing of housing construction ; fifth, normalizing the institutional investors
從政策環境，抵鉀貨款一級市場，抵押貸款二級市場分析了中國房地產抵鉀證券化的制度缺陷，進而提出了對策措施： 1 ）成立國家住宅抵押管理機構； 2 ）擴大房地產抵押貨款范圍； 3 ）區別放貨； 4 ）國家定期公布房地產造價； 5 ）規范mbs機構投資者。 -
Cost - plus loan pricing, price leadership, and customer profitability analysis are the three main methods of loan pricing in foreign banks
摘要國外銀行貸款定價方法主要有成本相加法、價格領導法、客戶盈利性分析法等三種模式。 -
Customer profitability loan pricing
客戶的贏利能力和貸款定價 -
So, the commercial bank can decide the loan pricing by themselves, then, the loan pricing become an important issue to commercial bank
但同時也給銀行提出了一個新課題貸款定價。在我國銀行的收入結構中，貸款業務占據了重要地位。 -
First of all, this essay introduces the basic theory, the principle and the goal of the loan pricing of commercial bank. then, according to our country actual situation, this paper gives two pricing models : cost - plus pricing model and the customer profitability analysis model by learning from the western commercial bank ' s tradition loan pricing model, by the guidance of economic capital the modern bank risk management core technology
本文首先論述了貸款定價的基本原理、貸款定價的原則和目標，然後借鑒西方商業銀行傳統定價模型，結合我國實際情況，以現代銀行風險管理的核心技術經濟資本為指導，給出了適合我國的商業銀行貸款定價模型，即針對一般客戶的成本加成模型和針對重要客戶的客戶盈利分析模型。 -
There are three mature models for loan pricing, including cost plus model, price leadership model, and customer profitability analysis model. each of them has its own advantages and disadvantages. therefore, we could not replace one with another
國外比較成熟的貸款定價模式包括成本加成模式、價格領導模式和客戶盈利能力分析模式，每一種模式都有各有優缺點，不能互相替代，但人們在使用某種模式時可以將另外一種或兩種模式結合起來配套使用，做到優勢互補。 -
( 4 ) in the concrete operation of the credit aid, i gived the schemes about loan variety, loan technology, loan target and loan pricing, which met the needs of small and medium - sized enterprises
（ 4 ）在信貸支持的具體操作上，研究了如何從貸款品種、貸款技術、貸款投向、貸款定價這些角度設計符合中小企業實際需要的信貸支持方案。 -
The government is the main loan guarantor in developed countries, and the important hypothesis by which the issue of guarantee pricing is studied is guarantors without default risk
摘要在發達國家政府是貸款擔保的主要擔保人，對貸款擔保定價研究的重要假設是擔保人沒有違約風險。 -
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。 -
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。 -
"pricing" means mainly "good" loan rates and liberal loan policies.
「價格」主要指優惠貸款利率和寬松的貸款政策。 -
In this thesis, the default rate can be inferred by using the historical data of bank risk division, the data of cost of funds can be got by using the funds transfer pricing, and use the activity - based costing to calculate the operation cost. all of these works are useful to the research on the loan pricing in the liberalization of interest rate
本文通過銀行貸款五級分類歷史數據推導出銀行的違約概率，通過構造銀行內部資金轉移價格曲線確定資金成本，利用作業成本法進行貸款成本核算，為利率市場化趨勢下我國商業銀行的貸款定價做了一定的研究工作。 -
Learning from three loan - pricing models abroad and present related study, a prime rate marup revised pricing model combining market and customer orientation is developed, and the suggestions to the pricing of each part of the prime rate marup revised pricing model are given accordingly. secondly, previous domestic studies always use financial ratios in the quantitative research of credit analysis
本文首先介紹了商業銀行貸款定價及研究現狀，在分析國外銀行三種貸款定價模式各自優劣以及國內外貸款定價研究現狀的基礎上，提出了綜合考慮貸款平均成本、風險、盈利和銀客關系的貸款定價模式，即基準利率加點修正模式。 -
Study on commercial bank ' s loan pricing based on customer relationship
基於客戶關系的商業銀行貸款定價研究 -
Although there is no real option pricing trading market all across the nation, the application of the theories will enjoy the bright future because many financial tools and businesses embody the idea of the option. the main applications include : the pricing of the company ' s financing tools, including stock, bond, convertible bond and so on ; the calculation of the proportion of liability to stock in case of changing the liability a company owes to a creditor into the stock share ; the evaluation of the value of a loan and analysis of the credit risk of loans in our country from the point of option ; and the evaluation of the effectiveness of executive stock. option and the improvement of the executive stock option
盡管目前中國還沒有期權交易市場，但由於許多金融工具和金融業務中都包含了期權的思想，期權定價理論在我國仍有廣闊的應用前景，本文對此進行了探索。主要的應用內容有以下四方面：公司融資工具，既包括傳統融資工具股票、債券的定價，也包括新型融資工具可轉換債券和認股權證的定價；債轉股業務中比例的確定，用布萊克-斯科爾斯模型和二項分佈模型兩種方法計算；貸款業務定價，並從期權角度分析我國貸款的信用風險狀況、成因；經理人期權激勵，包括其原理、對其有效性的實證分析，並引進指數期權作為改進方法。 -
Grounded on the integration of the traditional pricing model, it put forward the mortgage loan pricing system based on risk evaluation which circles around the central effect factors
在分析研究的基礎上，針對其主要影響因素，結合現有定價模型，提出基於風險評價的住房貸款定價體系。
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