查询词典 credit

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。

1ST FINANCIAL BANK USA ACCESS FEDERAL CREDIT UNION ACMG FEDERAL CREDIT UNION ALASKA USA FEDERAL CREDIT UNION ALDENVILLE CREDIT UNION AMERICA FIRST FEDERAL CREDIT UNION ANCHOR MUTUAL SAVINGS BANK APPLIED CARD BANK ARIZONA FEDERAL CREDIT UNION ARIZONA STATE CREDIT UNION ARLINGTON FEDERAL CREDIT UNION BANCO POPULAR DE PUERTO RICO BANK MIDWEST, NATIONAL ASSOCIATION BANK OF AMERICA, NATIONAL ASSOCIATION BANK OF UTAH BANNER BANK BARCLAYS BANK DELAWARE BARCLAYS BANK PLC BELCO COMMUNITY CREDIT UNION BRANCH BANKING AND TRUST COMPANY BURBANK CITY FEDERAL CREDIT UNION CAPITAL ONE, F.S.B. CAPITAL ONE, NATIONAL ASSOCIATION CAPITAL ONE BANK CARD SERVICES FOR CREDIT UNIONS, INC. CHARTWAY FEDERAL CREDIT UNION CHASE BANK USA, NATIONAL ASSOCIATION CHELSEA GROTON SAVINGS BANK CITIBANK, N.A. CITIBANK SOUTH DAKOTA, N.A. CITIZENS BANK CITIZENS EQUITY FIRST CREDIT UNION CLYDESDALE BANK PLC.

金融银行美国第一联邦信用合作社ACMG可信联邦信用合作社阿拉斯加美国联邦信用合作社奥尔登维尔储蓄互助社美国第一联邦信用合作社主播银行双方储蓄银行卡应用美国亚利桑那州联邦信用合作社亚利桑那州立储蓄互助社阿灵顿联邦信用合作社波多黎各人民银行银行中西部，美国全国银行协会，美国犹他州横幅银行全国性协会银行巴克莱银行巴克莱银行特拉华贝尔科合作信用社分支银行与信托公司的伯班克市联邦信用合作社第一资本，联邦安全局第一资本，全国性的协会，首都一家银行卡服务信用社股份有限公司查特韦联邦信用合作社美国大通银行，全国性协会切尔西格罗顿储蓄银行花旗银行，北美花旗银行南达科他，不适用国民银行公民的权益第一信用卡联盟格士德银行有限公司。

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

COASTAL COMMUNITY AND TEACHERS CREDIT UNION COLLINS COMMUNITY CREDIT UNION COLUMBUS BANK AND TRUST COMPANY COMERICA BANK COMMERCE BANCSHARES, INC. COMMERCE BANK, NATIONAL ASSOCIATION COMMERCIAL BANK COMMUNITY BANK AND TRUST CREDIT ONE BANK, NATIONAL ASSOCIATION CREDIT UNION CENTRAL FALLS CREDIT UNION OF NEW JERSEY CU COOPERATIVE SYSTEMS DATA CENTER INCORPORATED DHCU COMMUNITY CREDIT UNION DIGITAL FEDERAL CREDIT UNION DUPONT COMMUNITY CREDIT UNION ESL FEDERAL CREDIT UNION EVANSVILLE FIREFIGHTERS FEDERAL CREDIT UNION FAIRFAX COUNTY FEDERAL CREDIT UNION FAMILY SECURITY CREDIT UNION FARMERS AND TRADERS BANK FEDCHOICE FEDERAL CREDIT UNION FIA CARD SERVICES, NA FIA CARD SERVICES, NATIONAL ASSOCIATION FIDELITY BANK FINANCIAL HORIZONS CREDIT UNION FIRST-CITIZENS BANK AND TRUST COMPANY FIRSTMERIT BANK, NATIONAL ASSOCIATION FIRST BANKING CENTER - BURLINGTON FIRST COMMUNITY BANK, NATIONAL ASSOCIATION FIRST COMMUNITY CREDIT UNION FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF PORT ANGELES FIRST FEDERAL SAVINGS BANK OF FLORIDA FIRST INTERSTATE BANK FIRST NATIONAL BANK FIRST NATIONAL BANK OF TENNESSEE FIRST PREMIER BANK FIRST SAVINGS BANK OF PERKASIE FIRST STATE BANK OF ST.

海岸社区与师范储蓄互助社柯林斯合作信用社哥伦布银行及信托公司Comerica银行商业股票银行，工商银行股份有限公司，国家协会为商业银行和信托银行信用社区一家银行，国家会信用联合会中央瀑布信用新泽西兑换联盟协同系统数据中心的法团DHCU合作信用社数字联邦信用合作社杜邦合作信用社的ESL联邦信用合作社埃文斯维尔消防队员联邦信用合作社费郡联邦信用合作社家庭安全信用联盟农民和商人银行FEDCHOICE联邦信用合作社国际汽联卡服务，不适用国际汽联卡服务，全国协会信诚银行信用联盟第一个财政立式服务器，国民银行和信托公司FirstMerit现有银行，第一银行中心的全国性协会-伯灵顿第一社区银行，国家协会第一社区信贷联盟第一个联邦储蓄和贷款协会第一港口洛杉矶联邦储蓄银行美国佛罗里达州第一州际银行第一国民银行第一国民银行田纳西州的首位银行第一储蓄佩卡西作者：意法半导体第一州银行。

SABATTUS REGIONAL CREDIT UNION SELCO COMMUNITY CREDIT UNION SERVICES CREDIT UNION SERVICE CREDIT UNION SOUTHWEST CORPORATE FEDERAL CREDIT UNION SOUTH CAROLINA BANK AND TRUST, NATIONAL ASSOCIATION SOUTH CENTRAL SAVINGS BANK FSB SRP FEDERAL CREDIT UNION STAR PROCESSING INC. STATE BANK AND TRUST COMPANY STATE BANK OF SOUTHERN UTAH STATE EMPLOYEES CREDIT UNION STILLMAN BANCORP N.A. SUNCOAST SCHOOLS FEDERAL CREDIT UNION SUNTRUST BANK SUN COMMUNITY FEDERAL CREDIT UNION TARGET NATIONAL BANK TCM BANK, N.A. TELEPHONE WORKERS CREDIT UNION TESCO PERSONAL FINANCE LTD TEXAS BANK AND TRUST COMPANY THE BANK OF NEW GLARUS THE CREDIT UNION OF ALABAMA FEDERAL CREDIT UNION THE FARMERS BANK THE FIRST NATIONAL BANK OF MIFFLINTOWN THE FIRST NATIONAL BANK OF WYOMING THE GOLDEN 1 CREDIT UNION THE GOTHENBURG STATE BANK AND TRUST COMPANY THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND THE PADUCAH BANK AND TRUST COMPANY THE SOUTHERN FEDERAL CREDIT UNION THREE RIVERS FEDERAL CREDIT UNION TIB THE INDEPENDENT BANKERSBANK TONGASS FEDERAL CREDIT UNION TOOELE FEDERAL CREDIT UNION TOWN NORTH BANK, NATIONAL ASSOCIATION TRACY FEDERAL CREDIT UNION TRAVIS CREDIT UNION TRONA VALLEY COMMUNITY FEDERAL CREDIT UNION U.S. BANK NATIONAL ASSOCIATION U.S. BANK NATIONAL ASSOCIATION, ND U.S. BANK NATIONAL ASSOCIATION UNION BANK, NATIONAL ASSOCIATION UNITED BANK, INC. USAA SAVINGS BANK U S POSTAL SERVICE FEDERAL CREDIT UNION VALLEY NATIONAL BANK VISIONS FEDERAL CREDIT UNION VISTA FEDERAL CREDIT UNION WACHOVIA BANK, NATIONAL ASSOCIATION WASHINGTON MUTUAL BANK WELLS FARGO BANK, NATIONAL ASSOCIATION WORLDS FOREMOST BANK

萨巴特斯区域信用联盟SELCO社区信贷联盟的服务储蓄互助社服务信用联盟南西科珀里特联邦信用合作社南卡罗来纳州银行和信托，国家储蓄银行协会中南财经事务局SRP的联邦信用合作社卫视处理有限公司国家银行和信托公司南犹他州州立银行国家雇员储蓄互助社斯蒂尔曼Bancorp公司不适用桑科斯特流派联邦信用合作社太阳信托银行Sun社区联邦信用合作社解决国家银行中医银行，不适用电话工人储蓄互助社特斯科超市有限公司德州个人理财银行和信托公司的新格拉鲁斯银行，阿拉巴马州联邦信用联盟信用合作社的农民银行第一届米夫林敦国家银行怀俄明州的第一金1学分联盟哥德堡国家银行和信托公司的总督和苏格兰银行的公司国家银行帕迪尤卡银行与信托公司的南联邦信贷联盟三国河流联邦信用合作社工商局的独立BANKERSBANK汤格西联邦信用合作社图埃勒联邦信用合作社镇北岸，全国协会特雷西联邦信用合作社特拉维斯储蓄互助社天然碱Valley社区联邦信贷协会全国联合会美国银行美国银行协会，国家协会钕美国银行联合银行，全国性协会联合银行，储蓄银行股份有限公司USAA公司美国邮政服务联邦信贷协会谷国家银行联邦信用合作社摄影视觉景色联邦信用合作社美联银行，华盛顿互惠银行全国协会富国银行，全国性协会世界最重要的银行

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。

Jinhuan has won the honor as "Shanghai Civilization Company" twice (2001～2002 and 2003～2004),and it got the prize as "Shanghai Credit Medical Device Company" in 2005. The Surgical Suture with Needle Attachment has gotten the certificate as "Shanghai High Technical Products-Class A". In July, 2005, the company was certified by "CCXSH"(a famous credit evaluation corporation) according to the requirements of "Credit Evaluation Method for Shanghai Small and Medium-sized Enterprises". We are one of the 100 companies, whose credit rating is Class SE-A. And in August,2006, Jinhuan got the certificate for "Top Contract Credit Company In Shanghai", the contract credit rating is Class AAA. In Auguest, 2006, we were certificated as "Taxation Credit Company" by State Administration Of Taxation and Local Administration Of Taxation, the credit is Class A.

金环公司连续两届获得了&上海市文明单位&（2001～2002、2003～2004），以及2005年度&上海医疗器械诚信企业&的荣誉称号；带线缝合针&获上海市高新技术成果转化项目A级认定证书；2005年7月根据《上海市中小企业资信评估方法》由上海中诚信证券评估投资有限公司资信评级专家委员会评定为&资信等级SE-A级&，上海市仅有100家企业获此殊荣；2006年8月获得&上海市合同信用等级AAA级&；2006年8月获得国家和地方税务局共同颁发的&A类纳税信用证书&（2003年至2005年度）。2007年，金环公司获得了上海市第11届&著名商标荣誉称号。

Where there is no project intervention,villagers depend on relatives and moneylenders for credit.

Where无农村贫困工程干预，村民们依靠亲人和放债者可以借给只警犬为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。

IN THE EVENT THAT THIS CREDIT EXPIRED UNUTILIZED NO CHAGRES WILL BE PAID BY US ARTICLE (18/C) OF UCP 500 IS NOT APPLICABLE HERE.

假如受益人提出确认L/C而导致的信用证过期，我方不承担任何用度。UCP500条款（18/C）在这里不适用。迪拜信用证 39B MAXIMUM CREDIT AMOUNT

Fancy gold-plated dangling earrings with facetted White Opal crystals.

花式镀金悬垂耳环与facetted白欧泊水晶。

This essay chooses the study aim from biology teachers in middle school in Shi Jiazhuang which tells us that most of the middle school biology teachers in Shi Jiazhuang have the"burnout", lower successfulness, individualize.

本文选取石家庄市初中生物教师作为研究对象，运用问卷调查的方法对石家庄市初中生物教师职业倦怠的现状进行调查，调查结果发现，石家庄市初中生物教师这一群体普遍存在职业倦怠，情感枯竭程度偏高，成就感偏低，去个性化程度最为严重。