查询词典 bank loan

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿。。。。。。

The company as a third-party groups have been replaced by Beizhixingren Fourth Ring Fourth Ring medicine, pay off in batches Fourth Ring Sihuan Pharmaceutical Group, as well as outstanding business department head of the Agricultural Bank, Industrial and Commercial Bank Fangshan Beijing Branch, Bank of Beijing Haidian Branch, Bank of China Beijing Branch Zhichun, the Construction Bank of Beijing Haidian Branch principal of the loan total of 200,000,000 yuan and interest.

作为第三方组已被取代Beizhixingren四环四环医药，分批还清四环四环药业集团，以及杰出的业务农业银行，工商部门总公司房山银行北京分行，北京海淀分行，中国北京分公司海淀区知春路，北京海淀分会20000.000万元及利息的贷款本金总额建设银行银行。

The amount of financing capitalization to be requested by party B will be no less than 30 Million Uniter States Dollars($30000000)for a minimum term of the(10)years at an agreed overall annual interest rate cost of eight Percent(8%)to party B.The Overall Interest Rate Cost of 8% is comprised two parts,part one - the bank rate an set by lenderand part two-the commission Rate cost.the commission rate cost will be three percent(3%)of the loan for the first year or eight percent minus the bank rate(8%-the bank rate)which ever is the greater.for eachsubsequent year the commission payment will be 8% minus the bank ratefoe example if the bank rate in the second year is 7% the the second commission payment will be 1

金额融资资本要求由乙方将不低于三千万uniter美元为最低刑期的（ 10 ）年在一个商定的整体，每年利息成本的8％（ 8 ％）乙party的整体利益率的费用为8％，是组成由两部分组成，第一部分-银行利率一所订的贷款人项和第二部分-佣金率c o st.the佣金率的成本将三％（ 3 ％）的贷款为第一年或八％，减去银行利率（ 8 ％-银行利率），这是以往任何时候都greater.for eachsubsequent委员会今年的付款将被8％，减去银行利率（敌人，例如，如果银行利率在第二，今年是7％，第二委员会的付款将被一

Chapter!? expounds the five main aspect of risk in national commercial bank, i.e..signal liability structure,bad loan quality, low capital efficiency, imperfect restriction on interior power, thin consciousness on risk avoidance;summarizes five characters of the bank risks, including risk concentration, moral risk, risks caused by system structure, inequi ty between bank risks and revenues, aggrandizement trend of bank risks;analysis eight reasons for bank risks, including proprietary ownership voidance,macroeconomic fluctuation, ineffective capita buffer mechanism, enterprise reasons.no synchronous fiscal investment and financial reform, incompetence law and regulation enforcement.

紧接着在第三章阐述了我国国有商业银行风险的"五大表现"，即负债结构单一、信贷资产质量差、资本充足率低、内部控制机制薄弱、防范风险的意识淡薄；总结了我国国有商业银行风险的"五大特点"，即风险高度集中、风险人为匿藏、风险的体制性、风险与收益严重不对称、风险呈继续扩大态势；剖析了我国国有商业银行风险形成的"八大因素"，即金融产权"人格"虚设、宏观经济波动、资本金等缓冲机制不健全、财政、投资和金融的体制改革不配套、法律和法规不健全等。

This thesis analyzes choice of the loanee"s refusing to return the loan and returning the loan ahead of the appointed time and the loanees"s loss suffered from the rise of interest rate through real cases. The loaner that operates at fixed rate may not be able to get the additional income from the decline of the market interest rate just because the loanee breaks the contract by returning his loan ahead of time or refusing to return his loan.

当市场利率提高时，固定利率贷款必须按原定利率执行，而融资成本却必然上升，使收益减小，甚至可能出现利率倒挂，使银行损失惨重。

Period once led the participation customer marketing along with the company, to gave the letter enterprise to carry in-the-spot investigation, completed two additional jots under the colleague instruction to give the letter project independently the analysis investigation, simultaneously was responsible was four old customers continues makes services and so on when loan to compose gives the letter report of investigation, as well as carried on the loan after the storage quantity under seven loan project to track the investigation supervisory work, but also undertook in the line the majority of new development service like union loan next ten minor term goal to assist to work.

期间曾随公司领导参与客户营销，对授信企业进行实地考察，在同事指导下独立完成了两个新增小额授信项目的分析调查，同时负责为四个老客户续作贷款等业务时撰写授信调查报告，以及为存量下的七个贷款项目进行贷后跟踪调查管理工作，还承担了行内大部分新开拓业务如联合贷款项下十余个小项目的协助工作。

But the current policy loan limit for the maximum loan amount and the original loan amount of difference, that is 250,000 minus the original loan amount.

但是，现行政策的贷款限额，最高贷款额与原贷款额的差异，这是250，000减去原贷款额。

In addition, there are two other loan products:1 the housing loan, and 2 the higher education loan which run parallel to the basic loan.

除此以外，还有两种别的贷款产品：1）住房贷款，和2）高等教育贷款，它们是与基本贷款平行经营的。

The commercial banks shall actively communicate and cooperate with the taxation departments and the departments of foreign trade and economic cooperation at various levels, to earnestly improve the financial services and enhance the service efficiency, and shall strengthen the loan administration, rigidify the pre-examination and post-inspection of the loan in accordance with the relevant provisions of the Law of the People's Republic of China on Commercial Banks and the General Rules for Loans, and thus to earnestly prevent loan risks and to ensure the stable development of this loan business.

七、各商业银行要主动和各级税务部门、外经贸主管部门沟通与合作，切实改进金融服务，提高服务效率，要根据《中华人民共和国商业银行法》和《贷款通则》的有关规定加强贷款管理，严格贷前审查、贷后检查，切实防范贷款风险，确保此项贷款业务的稳步发展。

Finally it offers the analysis of the fault-tolerance system as well as its test verification.

这样，运行于空间环境中的系统的设计目标就是在保证系统实时性

However, it is still difficult to find out the real reason of the increase of the keratinized gingiva during the orthodontic extrusion whether it is due to the proliferation of the gingival tissue or to its elastic nature, that is because the proliferation of the fibroblasts as well as the connective tissue changes in volume and the intra-fibers spaces were all immeasurable in most of the studies.

然而，仍然难以找到真正的原因增加的角化牙龈在正畸挤压它是否是由于扩散的牙龈组织或其弹性性质，这是因为增殖的成纤维细胞以及作为结缔组织的变化量和内部纤维空格都是不可估量的，大多数的研究。