potential borrower 中文意思是什麼
potential borrower
解釋
潛在的借款方-
Today ' s banking industry pays special attention to the expected income of the potential borrower. most banks discarded the commercial loan theory that once dominated the banking theory in the history. they make personal loans to consumers based on the theory of the expected income of loan
消費信貸是拉動經濟快速增長的銀行產品，今天的銀行業特別注重潛在借款者的未來或者說預期的收入，大都拋棄了歷史上在銀行業理論中曾占壟斷地位商業貸款理論，大多數銀行根據貸款的預期收入理論對消費者貸款實行個人授信，這種新的消費方式使銀行豐富了貸款種類，本文主要涉及個人住房貸款以及個人汽車貸款。 -
Credit scoring uses quantitative measures to predict the risk of loans. for lenders in rich countries, scoring has been one of the most important sources of increased efficiency. lenders in rich countries, however, score potential borrowers based on comprehensive credit histories from credit bureau and on the experience and salary of the borrower in formal wage employment
農戶小額信用貸款屬于個人消費貸款的范疇，在很多方面與信用卡消費有相似之處，例如都是面對廣大的個體放款、業務量大而單筆額度數量小、基於借款人的信譽放款不需要抵押擔保，等等。
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