查询词典 bank loan

B: Not now. The bank is leaning on me pretty hard for their loan money.

现在不行。银行现在催我还贷款催得很紧。

The company got through the hard time with the loan from the bank.

从银行得到了笔贷款，公司渡过了难关。

According to Alibaba relevant controller introduces, at present medium and small businesses obtains loan very hard generally from the bank.

据阿里巴巴相关负责人介绍，现在中小企业普遍很难从银行获得贷款。

In the central bank's supervision and crack down on the bubble theory, the major commercial banks on the development of enterprises is now a comprehensive red light, and even the Shanghai local government background of the original strength of large-scale enterprise groups, now also facing hard money loan dilemma.

中央银行的监督和打击泡沫理论，主要商业银行对企业的发展现在是一个全面的红灯，甚至是上海地方政府背景的原始力量，大型企业集团，现在也面临着硬钱贷款的困境。

At that time, zhongGuanCun is in terribly defeated during, it is add up to at the same time 3.39 billion yuan CDMA assures the problem is solved hard, it is loan of 590 million yuan Bank of China at the same time already exceed the time limit was not returned, zhongGuanCun already submitted to in announcement for many times investor notices to invest a risk.

当时，中关村正处于焦头烂额之际，一边是总计33.9亿元的CDMA担保问题难以解决，一边是5.9亿元的中国银行贷款早已逾期未还，中关村已多次公告中提请投资者注意投资风险。

They might not hold up in a court of law,' my friend says,'but they are, in essence, what you have to sign when you take out a real loan from a bank.

我的朋友说，那些文件可能在法庭上不会有什么用处，不过在本质上，它们和你从银行贷款时必须签署的协议是一回事。

So far real estate financing mainly depends on commercial bank, the proportion of other financing channels such as IPO, trust loan, bond and fund are inappreciable.

我国房地产金融主要以银行信贷为主，其他金融方式如上市融资、信托融资、债券融资以及基金融资等所占比重较小，其融资格局较为单一的特征十分突出。

Under this circumstance, the incompliant loan of real estate companies came into being, which boomed the over-rely of real estate companies on bank industry to another extent.

在这种背景下，房地产违规信贷现象层出不穷，房地产企业融资过分依赖银行的局面仍未改变。

Subsequently, the paper indicated how the incompliant lending came from the bank and company sides, and summarized several common incompliant patterns based on personal experiences. Those patterns are as follows: firstly,"used shell to give birth to eggs"by the medium and small developer; secondly,"unified distribution"by large developer; thirdly,"do in the darkness"used in hyper-investment or roll development by developer. The paper summarized the characteristic and fund operation process for each mode, and analyzed the influence and risk of incompliant lending loan to both banks and real estate markets.

接着，从银行及企业两方面阐述房地产违规信贷的成因，并凭借个人实务经验总结出几种常见的违规信贷模式，一是中小型房地产商采用的借壳生蛋型，二是大型房地产商采用的统一调配型，三是在项目超投资或滚动开发时采用的暗渡陈仓型，对每一种模式归纳了特点及资金流转过程，并分析了违规信贷对银行和房地产市场的风险。

For the incompliant lending patterns mentioned above, on commercial banks part, improving the management and business technique will reduce, or even eliminate the incompliant behaviors in the pre-investigation process. From the Central bank and China Banking Regulatory Commission side, setting the inner network in the same industry, controlling the ratio of real estate loan, and enhancing the penalty to suppress the development of incompliant lending of real estate are effective ways to control risk. Fundamentally, the government should conduct the developer of real estate to search for the new financing mode to improve the stability and development, this might include some measures as follows: improving the liability financing structure of large real estate companies, develop the Reits and support its securitization to form the multi-financing.

对上述违规模式，从银行内部提高管理及业务水平方面，本文提出了针对性的风险防范措施，可有效地将违规的苗头扼杀在贷前调查过程中；从央行及银监会角度，可以通过建立同业信息沟通网络、严格控制房产信贷比重、加大违规惩戒力度等手段抑制房地产违规信贷的发展；而最根本的，政府应当引导房地产开发企业寻找新的融资渠道来促进房地产行业稳定和健康的发展，包括改善大型地产企业的债务融资结构、发展房地产投资信托基金及推动房产抵押证券化等方式形成房地产多元化融资的格局，这样，房地产违规信贷模式也就不攻自破了。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。