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The thesis apply the theory of exchange expense and the theory of consign to credit activity. Credit market is deemed as an imperfect market, the paper analyzing the problem of Adverse Selection, Moral Hazard, Credit Admeasure that caused by information asymmetry, so to check the credit system arrangement at academic angle.

论文把制度经济学的委托代理、交易费用等理论应用于我国银行的信贷实践,将信贷市场视为一个不完全信息的市场,分析由此导致的逆向选择和道德风险、信贷配给等问题,从理论的角度考查了信贷制度安排。2、对我国不同阶段的信贷制度进行了一次全面彻底的梳理。

The paper analyses relative effect factors of credit sale risk, and the paper analyses credit sale risk by two ways of quantity and quality analysis.

本文对赊销风险相关因素进行分析,而且对赊销风险分析可采用定量分析方法和定性分析方法。

The high quality managerial talent, the extreme responsible enterprise staffs and the excellent poster paper product printing processing craft enable this company always to have the good enterprise credit and the profession prestige, guarantees the quality,the service customer is our objective, is driving force which the enterprise survival and depends on develops This company has the adva-nced paper printing processing mechanical device, depends on the Shenzhen paper product printing industry home leading sup-eriority,this company customer spreads the home, far fords the ocean other shore We are engaged in the poster paper product manufacture,directly roduct examination discipline, had guaranteed our overwhelming majority customer stabilizes and turning head rate This company has the multiwraps to use the South Korean part paper cup to take shape the production line The mon-thly output 10 million poster paper cups,5,000 papers cups are especially few subscribe the custom make, is quickest in five days to deliver The complete paper cup product selects the high quality A level reed paper manufacture (completely primary thick liquid, does not contain recycling paper pulp is the A level), the albedo Degree of hardness ultra is good Guaranteed by the reli-able stable quality that, good postsale follows up to ser-ve becomes China to move, the Chinese telecommunicati-on, China Uni-com, the communications bank, the construction bank, the agricultural bank, the brilliant bank, china merchants bank, ten thousand branches real estates,China is the technology, the Shenzhen aviation, China is safe and so on the wellkno-wn big enterprise's long-term stable partner.

高素质的管理人才,极端负责任的企业员工和精良的广告纸制品印刷加工工艺使本公司一向拥有良好的企业信用和行业声誉,保证质量,服务客户是我们的宗旨,是企业生存和赖以发展的原动力。本公司拥有先进的纸品印刷加工机械设备,依托深圳纸制品印刷业的国内领先优势,本公司客户遍及国内,远涉大洋彼岸。我们从事广告纸制品制造,直接关系客户的品牌推广,我们拥有宁可报费一万,不能放过一个的极端负责任的产品检验纪律,保证了我们绝大多数客户的稳定和回头率。本公司拥有多套采用韩国部件纸杯成型生产系线。和国内知名高档超白度芦苇淋膜纸生产企业一直保持比较良好的合作关系,保证了本公司生产原材料的稳定供给。五千只纸杯特少起订定做,最快五天内交货。全部纸杯产品选用优质A级芦苇纸制造(全部原生浆,不含回收纸浆为A级),白度挺度超好。以可靠稳定的质量保证,良好的售后跟进服务成为中国移动,中国电信,中国联通,交通银行,建设银行,农业银行,光大银行,招商银行,万科地产,华为技术,深圳航空,中国平安等知名大企业的长期稳定合作伙伴。

This paper discusses the relative problems of government credit from four respects: the meanings and propertied of government credit, the performances and harms of government credit s insufficiencies, the reasons for the insufficiencies of government credit, the ways to construct government credit.

该文主要从四个方面对政府信用的有关问题进行了初步探讨:政府信用的涵义与特征、我国政府信用不足的表现及危害、我国政府信用不足的原因、我国政府信用建设的途径。

This paper traces developments in the credit risk mea surement literature over the last 20 yearsEssentially,the author reviews the main current credit risk measurement models,egexpert system,credit scoring system,term structure model,mortality model,RAROC model,and CreditMetrics,CreditRisk+,CreditPortfolio View,KmV etcAlso,the author discusses the Suitableness of new models applying in credit risk measuring in credit cooperatives in rural China

本文回顾和介评了 2 0年来特别是近年来信用风险评价方法及模型进展,包括传统的主观分析法、信用评分系统、期限结构模型、死亡率模型、 RAROC模型以及新近推出的所谓内部模型如 Credit- VAR、Ceadit Risk+等。最后,简要分析了国际上流行的信用评价方法对我国农村信用社的适用性

Beginning from the viewpoint that corporation bond is a kind ofcredit tool essentia lly, the paper designs the transverse thread by credit lega l system,which is property right foundation, credit service, oneself credit, credit disclosure ofcorporation bond's credit.

因此公司债券契约是其纵向结构的起点。为此,论文首先分析公司债契约以统领该纵向结构,然后依次探讨公司债发行转让、公司债存续期间的公司债管理途径和公司债与公司治理问题。

The paper studies stock's credit risk brought by the peccant behaviors, and discusses forecasting methods, and builds stock credit risk's models that adapt to security market environment and listed companies' character, and produces a lot of innovative results:(1)The paper designs a measuring model of stock's credit risk, which can analyze abnormal profit and loss of the peccant behaviors.

一些上市公司信息披露不真实和关联交易违规等失信行为已严重影响投资者的利益和证券市场的健康发展。

The main field of this article is Chinese credit market which from the beginningof the reform and opening to recentness, and the main method is the disequilibriumtheory;the basic point of view in this paper is that Chinese credit market has thedisequilibrium phenomenon all the time. Under the special period of china which isthe economy transformation, the credit-rationing in Chinese credit market has a kindof composite characteristic.

本文将中国从改革之初到如今的信贷市场作为研究的主要对象,以非均衡的观点和方法为研究的主要手段,认为我国信贷市场一直以来存在着非均衡现象,以及在我国的特殊国情下——经济转轨时期信贷配给现象的所拥有的&复合性&特征。

At the present time, credit card is used as electron payment means continually. This paper discuss object is credit card, and writer will made a investigation deeply from both side of theory and fact way. Credit card ' s basic law connection and some of the law question in the course of using credit card.

本论文以目前金融活动中越来越频繁地被使用的电子资金支付手段-信用卡为论述对象,从理论和实务两个方面对银行信用卡的基础、法律关系和信用卡使用过程中的若干法律问题进行了较为深入的研究。

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。

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