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The banks need to make scientifically credit evaluation of information of credit costumer before granting credit loans, objectively, comprehensively and accusatively evaluate repayment capability and repayment willing of consumer, and avoid, control and reduce bad debt loss.

银行需要在发放信用贷款之前，对信贷客户进行科学的信用评估，客观、全面、准确地评估消费者的还款能力和还款意愿，以避免、控制、减少坏账损失。

Chris Viale, general manager of Cambridge Credit Corp., a nonprofit credit counseling agency based in Agawam, Mass, says, 70 percent of Americans who take out a home equity loan or other type of loan to pay off credit cards end up with the same debt load within two years.

&克里斯Viale总经理剑桥信贷公司，总部设在agawam非营利信贷咨询机构，大众所言&70%的美国人购买住房贷款或其他类型的股权偿还信用贷款卡落得同样的债务负荷两年。

According to introducing, the credence selling the home that pays treasure to sell a credit to served system of the evaluation that give a letter to bring into the net that clean out treasure to accumulate more than 3 years is recorded, and pay treasure data to trade bulkily quantity, trade the data index such as frequency, can undertake to the credit qualification of loan applicant reasonable evaluate, the Construction Bank will is opposite accordingly those who accord with a condition is naughty treasure sells the home to provide the evaluation that give a letter and credit service.

据介绍，支付宝卖家信贷服务授信评价体系纳入了淘宝网积累三年多的卖家信用记录，以及支付宝数据庞大的交易量、交易频率等数据指标，可以对贷款申请人的信贷资格进行合理评估，建行将据此对符合条件的淘宝卖家提供授信评价和信贷服务。

The record of credence selling the home that pays treasure to sell a credit to served system of the evaluation that give a letter to bring into the net that clean out treasure to accumulate more than 3 years and pay treasure data to trade bulkily quantity, trade the data index such as frequency, can undertake to the credit qualification of loan applicant reasonable evaluate, the Construction Bank will is opposite accordingly those who accord with a condition is naughty treasure sells the home to provide the evaluation that give a letter and credit service.

支付宝卖家信贷服务授信评价体系纳入了淘宝网积累3年多的卖家信用记录以及支付宝数据庞大的交易量、交易频率等数据指标，可以对贷款申请人的信贷资格进行合理评估，建行将据此对符合条件的淘宝卖家提供授信评价和信贷服务。

The credence selling the home that pays treasure to sell a credit to served system of the evaluation that give a letter to bring into the net that clean out treasure to accumulate more than 3 years is recorded, and pay treasure data to trade bulkily quantity, trade the data index such as frequency, can undertake to the credit qualification of loan applicant reasonable evaluate, the Construction Bank will is opposite accordingly those who accord with a condition is naughty treasure sells the home to provide the evaluation that give a letter and credit service.

支付宝卖家信贷服务授信评价体系纳入了淘宝网积累三年多的卖家信用记录，以及支付宝数据庞大的交易量、交易频率等数据指标，可以对贷款申请人的信贷资格进行合理评估，建行将据此对符合条件的淘宝卖家提供授信评价和信贷服务。

Establish perfect credit drive and castigatory mechanism, make and laws and regulations of perfect credit law, popularize credit education and normative government role and behavior, it is to solve social credence to break model the basic approach of the problem.

建立健全的信用激励与惩罚机制、制定和完善信用法律法规、普及信用教育以及规范政府角色和行为，是解决社会信用失范问题的基本途径。

Foster the credit consciousness with market good principal part, establish perfect government credit legislation and break one's promise castigatory mechanism, the credence of aggrandizement enterprise interior manages, of service industry of stimulative credence intermediary commercializing development to wait is to make " credit Anhui " important way.

培养市场主体良好的信用意识，建立起完善的管理信用立法和失信惩罚机制，强化企业内部的信用管理，促进信用中介服务行业的市场化发展等都是打造&信用安徽&的重要途径。

When an enterprise handles the business of commercial acceptance bills, the drawer and the acceptor shall strictly obey the settlement principle of "scrupulously abiding by commitments, and making payments according to the contract", and timely and fully encash the due commercial acceptance bills, so as to create good enterprise credit culture, upgrade their own brands and credit standing, and thus promote the social credit.

企业在办理商业承兑汇票业务时，出票人、承兑人要严格遵守&恪守信用、履约付款&的结算原则，及时足额兑付到期商业承兑汇票，以营造良好的企业信用文化，提升自身的品牌和信誉，并以此促进社会信用的好转。

This paper first discusses the theory of commercial bank credit management, then, brings forward the theory innovation that evaluates the performance of commercial bank credit management, analyses actualities of evaluating the performance of commercial bank credit management in home or fremdness.

本文在研究方法上，第一次把因子分析法运用在商业银行信用管理绩效评价中，并通过理论研究与实证分析形成统一整体，同时还采用了归纳分析法、比较分析法等研究方法。

Based on this conclusion, this chapter analyzes the property right foundation, credit service, credit guara nty of corporationbond's credit.

债券信用评级作为一种法律行为，体现了评级机构、发债公司和投资者三方的法律关系和各自的权利义务及法律责任。

Listen,point and check your answers.

听，指出并且检查你的答案。

Warming needle is one of effective treatment methods for knee arthralgia aggravated by cold,and it is simple,safety,so it should be developed in clinical acupuncture and moxibustion extensively.

但以本院科针灸门诊在2005年1月—2006年6月期间共收治膝痛患者100余例，经过临床的诊断后，其中施以温针治疗的48例，疗效显著，报道如下。1临床资料本组病例48