查询词典 bank credit

Chief expresses related center of credit card of the bank that enrol business , the hope issues demon animal with respect to collaboration cosignatory credit card reachs strategic agreement in order to strengthen with broad consumer interactive with connection , credit card of the perfect bank that enrol business issues integral strategy .

招商银行信用卡中心相关负责人表示，希望就合作发行魔兽联名信用卡达成战略协议以加强与广大消费者的互动与联系，并完善招商银行信用卡发行整体战略。

The Bank from pacetogrow to offer credit card business, has been projpects at the gradingup managed to evade their own risk, and refused to provide the delcredere, the first of the so-called credit card such as a credit card bank of China or even require consumers to a few thousand dollars deposit impawn.

而中国的银行从开办信用卡业务伊始，便一直在想法设法规避自己的风险，一直拒绝提供真正的信用担保，最初的所谓信用卡甚至要求消费者以数千元存款质押。

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

Competent commercial departments in all localities shall actively coordinate with any and all commercial banks, propel these banks to give more credit aid to small and medium circulation enterprises in accordance with the spirits of the Guiding Opinions of the People's Bank of China on Further Strengthening the Credit Aid Given to Well-Performing and Trustworthy Small and Medium Enterprises with Marketable Products (Yin Fa [2002] No.224), improve financial service offered to these enterprises, increase the line of credit and develop new credit service items; shall encourage various credit guaranty agencies to actively carry out guaranty services oriented to small and medium circulation enterprises; shall formulate corresponding policies, encourage and guide funds provided by all quarters of the society into the transformation and development of small and medium circulation enterprises.

各地商务主管部门应积极协调各商业银行，推动其按照《中国人民银行关于进一步加强对有市场、有效益、有信用中小企业信贷支持的指导意见》（银发〔2002〕224号）精神，加大对中小流通企业的信贷支持，完善对中小流通企业的金融服务，扩大授信额度，开发新的信贷服务项目；鼓励各类信用担保机构积极开展中小流通企业的担保业务；要制定相应政策，鼓励、引导社会各方面资金投入中小流通企业的改造和发展。

At present, Zhao organized and the management Chinese side Enterprise has been evaluated by the Chinese five ore chemical industry import and export chamber of commerce AAA the level credit enterprise, by the Agriculture Bank of China Shanxi Province Branch, the letter bank Taiyuan Branch, the Minsheng Bank Shanxi branch is evaluated not bad record and defends the credit enterprise, is evaluated tax payment pivot man, the demonstration enterprise by Internal Revenue Service, in the customs, the outer tube aspect is prompt, the code of honor, does not have any bad record, evaluates the model enterprise by Tianjin and Dalian Customs, and after-crops "not bad records" the enterprise document; Zhao managed the foreign enterprise is evaluated the No.1 enterprise, some section of Listed enterprise produced the product was also commended US's; Zhao now in the US, Japan, Singapore, Australia, Germany and Britain has the enterprise and the staff, altogether managed 15721 professional supervisors, to buy the hand, to sell the hand and the staff member.

目前，赵尚阳创办和管理的中方企业已被中国五矿化工进出口商会评为AAA级信用企业，被中国农业银行山西省分行、中信银行太原分行、民生银行山西分行评为无不良记录和守信用企业，被国税局评为纳税标兵、示范企业，在海关、外管方面规范、守信，无任何不良记录，被天津和大连海关评为模范企业，并下发"无不良记录"企业文件；赵尚阳管理的外商企业被评为No.1企业，有一上市企业生产的产品还受到美国的肯定和表彰；赵尚阳现在在美国、日本、新加坡、澳大利亚、德国和英国都有企业和工作人员，共管理着15721名职业管理人、买手、卖手和职员。

Where a mode of issuing the bank bills of another bank upon agency is adopted, the head offices of urban commercial banks, foreign-funded banks, urban credit cooperatives and rural credit cooperatives unions at the county level shall conclude the agency agreement with the local branch office of the principal bank and report to the head office of the principal bank or the branch office authorized by the head office for approval and effectiveness.

采取代理签发他行银行汇票方式的，城市商业银行总部、外资银行、城市信用合作社和农村信用合作社县联社与被代理行当地分支行签订代理协议，并报被代理行总行或其授权的分支行批准生效。

And among them, credit card overdraws consumption held quite large proportion, however, be in yesterday, the Central Bank, silver-colored inspect meeting, the Ministry of Public Security and country are industrial and commercial total bureau is given out jointly " the announcement that gets stuck to safety administration prevents and hit a bank to block crime about strengthening a bank " the requirement strengthens a bank to get stuck from 6 respects especially the safety administration of credit card, prevent and hit corresponding crime.

而其中，信用卡透支消费占到了相当大的比例，然而，就在昨天，央行、银监会、公安部和国家工商总局联合发出《关于加强银行卡安全管理预防和打击银行卡犯罪的通知》要求从六个方面加强银行卡尤其是信用卡的安全管理，预防和打击相应的犯罪。

The dissertation set up the plane coordinate with credit rating as abscissa and granted money as ordinate, analyzed the bank\'s credit rationing procedure under the circumstance of government\'s control of interest rate and the domestic monopoly of credit market. The conclusion is that guarantee is the necessary condition for eliminating bank\'s credit stinting.

与此同时，本文建立以信用等级—借款额度为横纵坐标的平面坐标系，分析在目前我国政府实行利率管制、国内信贷市场垄断的情况下，银行的信贷配给过程，结果表明，担保是消解银行惜贷的必要条件。

The conclusion established some ways to improve the credit risk management such as optimize the national-owned enterprises and commercial banks operation structure; establish new relationship between banks and corporations; optimize bank's internal control system; balancing corporate financing ways, eliminate corporate over-dependency on bank's credit assets, and remove information asymmetric contributed by credit sales.

本文在分析和评述国内外银行信贷资产安全性相关理论的基础上，对银行信贷资产安全性与流动性、盈利性之间的关系、信贷资产安全性的概念、分类进行了界定和分析，在对影响商业银行信贷资产安全性共性因素和我国信贷资产安全性现状进行深入剖析的基础上，紧密结合中国银行业的实际，结合信息经济学、行为金融学的有关理论从产权制度、公司治理结构、融资行为、投资行为、内部控制等方面深入分析了借款企业行为、商业银行行为、政府行为及社会信用环境对信贷资产安全性的影响机理，特别是重点分析了信息不对称条件下商业银行信贷资产安全性生成机理，较系统、全面地论述了影响我国商业银行信贷资产安全性的特殊因素，并运用logistic等统计方法进行信贷资产安全性判别进行了实证研究，构建了我国商业银行信贷资产安全性判别模型，最后在此基础上提出了不断健全完善公司治理结构，树立市场化的新型银企关系；完善商业银行内部控制制度，强化内控执行机制；优化企业融资模式，降低企业对商业银行信贷资金的过度依赖；有效缓解商业银行信贷经营活动中面临的信息不对称程度等加强商业银行信贷资产安全性管理和控制的措施与建议。

Letter of Credit transaction follows two basic principles: absolute nonobjective and strict compliance principles, this two principles is the main reason for causing Letter of Credit cheating; much profits makes many speculators to do Letter of Credit cheating; and because the bank's negotiation documents have not stable forms, the banes can forge them; it increases the possibilities of Letter of Credit cheating to have many middleman as well as large usage of transferable Letter of Credit; it is one of the reasons for Letter of Credit cheating occurred that the foreign traders have lower quality and the cheated persons have lower sense of precaution.

信用证交易遵循两大基本原则：独立抽象性原则和严格相符原则，这两个原则是造成信用证欺诈的主要原因；暴利驱使大量的投机商从事信用证欺诈活动；作为银行付款凭证的单据，目前并无统一固定的格式，均可进行伪造；国际贸易中中间商的大量存在和可转让信用证的大量使用，增加了欺诈的可能性；从事国际贸易的业务人员素质低和被欺诈人防范意识差、知识缺乏也是信用证欺诈屡屡得手的原因之一。

Do you know, i need you to come back

你知道吗，我需要你回来

Yang yinshu、Wang xiangsheng、Li decang,The first discovery of haemaphysalis conicinna.

1〕 杨银书，王祥生，李德昌。安徽省首次发现嗜群血蜱。