查询词典 on loan

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。

The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

The loan risk must be prevented in every each of loan examining system: at acceptation stage, systems of evaluation of enterprise\s credit grade and region loan risk grade need to be established, and at evaluation stage, quantitative analysis of loan risk is needed, and the risk needs to be transferred of dispersed via sponsion and do on. The present loan risk can be dissolved via loan increment.

风险防范需从贷款审批制度的各个环节抓起；受理阶段要建立企业信用等级和地区行业贷款风险等级评估制度，评审阶段要定量分析贷款风险，通过担保等转移和分散风险；现有贷款风险通过增量贷款等方式化解。

In the first time ,we provide a loan, restrict examining system will have an intended or expected effect on preventing the no-performing loan, but less effect on rent-seeking while the loan is fine; in the following period, the income of risk reviewer is together with the quality of a loan ,when the loan is reapplied , the best choice is to reprovide,and take the income, reproviding and avoiding the penalty take the second place, refusing the loan takes the third place ,the worst choice is to reject the loan and accept the penalty.

第一次发放贷款时，我们加大对贷款质量的考核力度，会减少信贷人员在不良贷款种的寻租行为，防范发放不良贷款。面对正常贷款，信贷人员有很大倾向进行寻租，考核力度与是否寻租没有关系，形成了&贪赃&不&枉法&的格局；贷款发放，贷款质量与信贷人员的业绩完全挂钩。在同一个信贷人员管理的过程中，贷款偿还再贷时，当期实现的利益和面临的处罚集中在一个人的身上。

" Mortgage-free, non-guaranteed loan only foreign rows and MCC has ", a joint-stock Bank Manager Mr Shi said that Chinese-funded line at the moment the introduction of personal loan business mainly divided into two types: one is about to be hypothecated, on a regular basis in the line of the time deposit amount in accordance with the 10% discount on impawning, the BLR for the people's Bank base rate, as well as those that the mortgage loan, which is a force pushing the Bank loan products.

&免抵押、免担保信用贷款只有外资行和小额贷款公司有&，某股份制银行理财经理施先生说，中资行目前推出的个人小额贷款业务主要分为两种，一种是定期存单质押，即将在该行的定期存款金额按照9折质押，贷款利率则为人民银行公布的基准利率；还有一种是房产抵押贷款，这也是银行力推的个贷产品。

In November 2007, alibaba builds a bank to cooperate with China again, roll out the loan product that does not need any mortgage " network couplet is protected ", network couplet guarantees loan is product of a loan, comprise a combine by the home or 3 3 above enterprises, will apply for loan jointly, china builds Zhao Lin of assistant president of bank head office to express: With Alibaba's collaboration, this is contemporary commercial bank breaks through traditional credit mode first, finance that with the letter of business affairs of the electron on the net expenditure grade regards a bank as the important basis that loan extends innovates.

2007年11月，阿里巴巴再次与中国建设银行合作，推出不需要任何抵押的贷款产品&网络联保&，网络联保贷款是一款贷款产品，由3家或3家以上企业组成一个联合体，共同来申请贷款，中国建设银行总行副行长赵林表示：&与阿里巴巴的合作，这是现代商业银行首次突破传统信贷模式，以网上电子商务的信用度评级作为银行贷款发放的重要依据的一次金融创新。&

At present a country release of currency into circulation's channel mainly has:1st, the Central Bank buys the bank note issuing stock gol; 2nd, Central Bank purchases the reserve foreign exchange; 3rd, Central Bank purchases the national debt or gives the government to overdraw; 4th, Central Bank to each kind of Loan company provide loan, or buys up the national debt which, the Central Bank bill, the financial bond the Loan company has and so on, and provides the loan through the Loan company to the society; 5th, after Loan company deposit taking, besides deposits the Central Bank certain proportion the guaranty money for deposits or maintains certain deposit deposit, provides the loan to the society, and forms the loan delivery the multiplier effect; 6th, outside Central Bank's each kind of bank purchase national debt, enterprise bond as well as foreign exchange and so on.

目前一国货币投放的渠道主要有：1、中央银行购入发钞储备黄金；2、央行购买储备外汇；3、央行购买国债或给予政府透支；4、央行向各类贷款银行发放贷款，或者买入贷款银行持有的国债、央行票据、金融债券等，并通过贷款银行向社会发放贷款；5、贷款银行吸收存款后，除交存央行一定比例的存款保证金或保持一定的备付金存款外，向社会发放贷款，并形成贷款投放的乘数效应；6、央行外的各类银行购买国债、企业债券以及外汇等。

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。

It uses international and popular non-performing loan to form the theory and analyze our country's grants the loan on the market: The loan is reluctant and grants the loan the demand trap coexist; The chess match theory of combining information economics is to the bank of our country and behavior analysis in the loan of enterprise; This text discusses commercial bank loans market improve mend, tries to make the preliminary discussion at present, and hopes to for the management of the banking and reform policy make some contribution to the reform policy's making.

运用国际流行的不良贷款形成理论分析了我国贷款市场：贷款勉强和贷款需求陷阱共存；结合信息经济学与博弈论对我国商业银行和企业在贷款中的行为进行分析；并且对目前我国商业银行贷款市场的改善做了初步的探讨，希望能给商业银行业的管理及改革政策制定尽自己的绵薄之力。

Generally, the process of getting loans on the basis of the existence of different risk factors, personal loans purchase at least three types of business risk protection : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; 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.

一般而言，根据贷款买房过程中存在的不同风险因素，个人贷款购房业务至少需要三类风险保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；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或向投保人追回赔款。

I am accused of being overreligious," she said in her quiet, frank manner,"but that does not prevent me thinking the children very cruel who obstinately commit such suicide.""

客人们在卡罗利娜·埃凯家里，举止就文雅一些，因为卡罗利娜的母亲治家很严厉。

Designed by French fashion house Herm è s, this elegant uniform was manufactured in our home, Hong Kong, and was the first without a hat.

由著名品牌 Herm è s 设计，这件高贵的制服是香港本土制造，是我们第一套不配帽子的制服。