查询词典 capital credit

These include the credit card "shuffle," debit card and checking account "over limit protection" programs, the cheapest ways to use "courtesy checks," cost effectiveness of credit card security, life insurance, and unemployment insurance programs, how to stop an increase in your credit card interest rate and penalty fees, how to respond to rejection for credit cards, when to obtain "secured" credit cards, how to improve your personal "credit score," consumer rights when pursued by debt collectors, how to obtain and correct your credit report, when you can negotiate lower finance charges, refinancing credit card debt, and the most worrisome--"identity" theft.

这些包括信用卡&拖着脚走&，&在限制保护上方&的借方卡片和检查的账计划，使用&礼貌检查&的最便宜的方法，信用卡安全的成本效益，人寿保险，以及失业保险计划，怎样停止你的信用卡利率和惩罚费的增加，怎样为信用卡对拒绝作出反应，什么时候获得&获得&的信用卡，怎样改进你的个人&信贷得分&，当被收债人追踪时，消费者权利，为了怎样获得并且改正你的信用报告，当你能议付更低的财务费时，对信用卡欠债和最令人烦恼的再提供资金--&身份&偷窃。

Education2002/09-2003/12 Maastricht University, NetherlandsMaster of Social Security1989/09-1993/07 Renmin University of ChinaBachelorProfessional certificationFRMThe China Securities Association, a practicing certificateCurrent treatment minimum wage: RMB 530,004 / year = 44,167 / month × year fixed-DecemberExperience2007/07- present Union Life Beijing Company Compliance Risk Management Department / General Manager of Corporate Risk Management Committee Member and the Investment Management Committee members of BeijingReporting Objects: Company CROWork: Economic Capital Management asset-liability management comprehensive risk management Compliance Management Investment Risk Management Investment Performance Evaluation Management Legal Services Corporate Risk Management Committee Member, and the investment management committee members, participation in pension and asset management companies to build.2003/11-2007/06 Taikang Life Beijing Company Risk Management / Manager BeijingReporting object: department headWork: measuring market risk economic capital and credit risk economic capital integration of the entire company's economic capital, including the insurance risk and operational risk economic capital, economic capital internal controls and operational risk management a variety of risk analysis and asset liability management study capital management and capital allocation Risk Management and Performance Evaluation liability company-wide asset-liability management in the enterprise annuity on training and preparation for data preparation, as well as the preparation of Tyco pension.

教育背景2002/09-2003/12 荷兰马斯特里赫特大学社会保障硕士1989/09-1993/07 中国人民大学经济学学士专业证照FRM 中国证券协会执业证书目前待遇基本工资：人民币 530，004/年＝ 44，167 /月×全年固定12月工作经历2007/07-至今合众人寿北京总公司风险合规管理部/总经理公司风险管理委员会会员以及投资管理委员会会员北京汇报对象：公司CRO工作内容：经济资本管理资产负债管理全面风险管理合规管理投资风险管理投资绩效评估管理公司法律事务公司风险管理委员会会员以及投资管理委员会会员，参与养老金公司和资产管理公司筹建。2003/11-2007/06 泰康人寿北京总公司风险管理部/经理北京汇报对象：部门负责人工作内容：计量市场风险经济资本和信用风险经济资本整合整个公司旳经济资本，包括保险风险经济资本和业务风险经济资本内部控制和操作风险的管理各种风险的分析以及资产负债管理研究资本管理和资本配置风险管理和绩效评估负债整个公司资产负债管理参与企业年金的关于培训和筹备资料准备以及泰康养老金筹建。

The conception of intellectual capital reflects the change of the resource of enterprises" value. How to increase value by intellectual capital management is the problem in front of all of the enterprises. However, intellectual capital evaluation, which is the first stage of intellectual capital management, has to be connected with enterprise value. Intellectual capital evaluation isn"t ought to only tell the contribution the intellectual capital creates on enterprise value at some moment, but also help high managers know the relationship between intellectual capital and enterprise value. Enterprises should know which intellectual capital is more related with enterprise value, which is the most worthy to investing and paying attention to. Enterprises should pre-estimate the dynamic change which intellectual capital contributes to enterprises value.

智力资本概念的提出实质反映的正是知识经济时代企业价值来源的变化，如何通过有效管理智力资本增加自身价值是摆在所有企业面前的紧迫问题，而作为智力资本管理首要环节的智力资本评估自然也不能脱离企业价值，有效的智力资本评估不仅应能识别出特定时点上企业拥有的智力资本对企业价值做出的贡献，更重要的是帮助企业高层管理人员更好地理解智力资本和企业总体价值之间的关系，弄清楚哪些智力资本与企业价值联系最紧密，哪些智力资本最值得重点投资和关注，预先判断智力资本对企业价值贡献的动态变化。

Secondly, the author completely combs and sums up the credit system at different stage. The thesis analyzes the transformation of China's credit system after the foundation of New China. The thesis compares the characteristics and performance of different credit system; understand the historical status of credit system, Summarizes the deficiency in order to improve credit system arrangement.Thirdly, by analyzing an example of how middle size enterprises finance, we conclude that middle and small size company can avoid credit admeasure by the innovation of credit system.

论文分析了从新中国成立至今我国商业银行信贷制度的变迁，通过对不同阶段信贷制度安排的特点以及绩效的比较，了解我国商业银行信贷制度的历史状况，并总结不足，以有利于今后更好的完善。3、通过一个中小企业融资的案例的实证分析，得出银行信贷制度的创新可以使小企业的信贷避免遭遇信贷配给，同时大银行利用平台贷款可以在小企业贷款中降低交易成本，获取比较优势。4、对商业银行信贷制度做了具体细致的研究。

Firstly we discuss the meanings, content and the principals of the evaluation of credit, and exert the credit theory of MAX to the evaluation of credit to get the contents for the evaluation of credit in theory. Then through analyzing the present system of credit evaluation in the civil and overseas countries, and through using the credit evaluating system of overseas risky venture, on the side of the creditor, we device the credit evaluating system into such six aspects as the character of the enterprises, the capacity of paying back, the capacity of payoff , the capacity of operating, the capacity of innovating and the capacity of pullulating. Finally we use the method of AHP and dim mathematics to demonstrate the feasibility of the system that is formed in the fifth part.

本文首先通过对资信评估的内涵、内容及原则进行探讨，并在理论上运用马克思信贷资金循环理论对企业资信评估应考虑的因素进行理论分析，在对国内外资信评估指标体系分析研究的基础上，创造性地联系到国外风险投资机构的评估指标体系对高科技企业资信评估指标体系的借鉴意义，选取债权人的角度，从企业素质、偿债能力、盈利能力、营运能力、创新能力和成长能力六个方面设计了高科技企业资信评估指标体系，并选取层次分析法和模糊数学综合评判法来综合评判高科技企业的资信等级。

However, capital is managed still be in in our country start level, still exist on theory and practice a variety of errors:(1 ) go up in capital management guiding ideology, in thinking state-owned company assets recombines to trade with property right, appear " the pony pulls cart " the phenomenon can cause state-owned property prediction of a person's luck in a given year;(2) in process of executive capital dilate, corrupt big picture is fast, ignore the immanent quality that capital manages;(3) cut apart capital manages the immanent connection that manages with production, inspect capital to manage what manage at production for free more advanced management form;(4) manage capital regard as escape of debt useless debt " shortcut ", ignore capital structure optimize.

然而，资本经营在我国尚处于起步阶段，在理论与实践上还存在种种误区：（1）在资本经营指导思想上，认为国有企业资产重组与产权交易中出现的"小马拉大车"现象会导致国有资产流失；（2）在实施资本扩张过程中，贪大图快，忽视资本经营的内在质量；（3）割裂资本经营与生产经营的内在联系，视资本经营为游离于生产经营的更为高级的经营形式；（4）把资本经营当成逃债废债的"捷径"，忽视资本结构的优化。

These relationship include: the human capital and material capital; the coastward area and the hinterland area; the private capital, the state-owned capital and foreign capital; the short term capital and long term capital, these four types of relationship may effect the economic sustainable growth in the near future for China.

第五章本章作者对中国吸收外资的政策进行了反思，针对当前我国引进外资工作中存在的问题，作者指出了我国当前应处理好四个关系：即人力资本和实物资本，民营资本、国有资本和外资资本，东部地区和中西部地区，短期资本和长期资本，这四个关系是当前与我国引进外资相关的急待解决的问题。

At last, the article indicates that there are some problems in capital management and put forward that we should improve capital management on nine facets we should change the role of government in capital management perfect law system environment of capital management , emphasis on internal recombination of enterprise , strengthen daytimeaudit and supervise in capital management to avoid profit package, strengthen adjustment of the right of assets , strengthen the role of invest bank in capital management , pay attention to recombination of immateriality assets ,emphasis on imagine package in the recombination enterprise ,call the ability of entrepreneur and so on to perfect capital management and solve some problems which enterprise confronts (1) solve the problem of poor enterprise (2) solve the problem of prepotent enterprise expansion (3) solve the problem of irrational form of recoinbinatiori enterprise (4)solve the problem of single right structure of enterprise (5)solve the problem of irrational asset collocation to induce bad effect (6)solve the problem of lack increment in development of enterprise (7)solve the problem of irrational structure so we induce enterprise to coruscate flesh vigor continually,and stock market will develop and boom continually.

最后提出了资本经营中存在的一些问题，提出要从九个方面着手改进资本经营，通过对政府在资本经营中角色的转换、健全和完善资本经营的法制环境、加强企业内部的重组、加强资本经营的审计与监督、防止利润包装、加强产权结构的调整、加强投资银行在资本经营中的作用、重视无形资产的重组、加强重组企业的形象包装和呼唤企业家才能等方面改善资本经营，解决企业经营所面临的一些问题：（1）解决劣势企业问题；（2）解决优势企业扩张问题；（3）解决企业重组形式不合理的问题；（4）解决企业产权结构一元化问题；（5）解决资源配置效益低下问题；（6）解决发展中增量不足的问题；（7）解决结构不合理的问题，这样才能使企业不断焕发出新的活力，证券市场才能不断繁荣发展。

The systemof the formation of the capital includes the statutory capital system, the authorizedcapital system and the eclectic capital system , therein the statutory capital systemincludes the strict statutory capital system and the relaxative statutory capital system,the three kinds of the systems of the formation of the capital have their own specificco.

公司资本形成制度包括法定资本制、授权资本制和折中资本制，其中法定资本制又包括严格的法定资本制和缓和的法定资本制，三种资本形成制度的各有其特定的内容和适用条件。

By means of introduction of external capital trusteeship during e-commerce procedure, a trust bank, which has operational qualification of capital trusteeship and professional liquidation capability, will act as an independent third party: to implement for the transactional capital on E-commerce websites an all-directional, whole-course and full-amount trusteeship, to perform at its own the functions of fund payment, liquidation and trusteeship in E-commerce; to actualize relative independence of capital deposit, liquidation and online good trading; to ensure that client"s transactional capital will not be peculated by websites; to eliminate the risk of liquidation error on website capital so as to maintain security of client"s capital.

通过在电子商务过程中引入外部资金托管，由具有资金托管业务资格和专业清算能力的托管银行作为独立的第三方，对电子商务网站的交易资金进行全程全额托管，独立承担电子商务的资金支付、清算和保管功能，实现资金存放、清算与网上货物交易的相对独立，确保客户交易资金不被网站挪用，消除网站资金的清算差错风险，全方位确保客户资金的安全。

The circulation, consumption and reproduction of the trilogy have not only testified to its historical significance and literariness, but also invested it with new meanings.

该三部曲的流通、消费与再生产不仅验证了其历史意义及文学性，而切还赋予它以新的意义。

If he thought that he could buy me off, he would be wrong.

如果他认为他可以收买我，那他就大错特错了。