查询词典 on loan

The article tries to use personal fiduciary loan among consume finance product. To focus on customers of this product by data collection, analyze customer's credit risk, default risk...etc., in order to assist loan decision and minimize the chance for loan to become bad debt.

本文拟就消费性融产品中个人信用贷款，针对此产品的客户，藉由资的收集，分析其信用风险与违约风险，以帮助授信决策，低贷款案件成为呆帐的机。

Consuming loan is personal fiduciary loan, the loan amount for the short-medium term revolving fund is approximately between one hundred thousand to one millions dollars. Therefore, credit auditors must depend on scoring charts for efficiency and reduce the credit risks, especially emphasis on personal credit risk assessment. The key to this study is effective identifying the risk by instantly grasp customer's risk attribute and give it a proper quantifiable indicator.

消费性贷款为个人信用贷款，贷放额约在10 万元至100 万元间，为短中期周转用途，所以徵授信审核员为效及低授信风险，就必须凭靠好的评分表，特别强调个人的信用风险评估，有效辨风险之所在就在於即时掌握客户的风险属性，给予适当的化指标，此即本研究之重心。

Under the condition that the market interest rates descend, the residential mortgage of a fixed rate may face these two occurrences. One is that the loanee refuses to return the money and breaks the contract because the LTV rise to a certain extent .The other is that the loanee return the money he loaned by the price on the account because the market loan price is higher than the price of the account, its said to be a kind of afresh margin by returning the loan ahead of the appointed time and selling the loan at the raised market price.

固定利率的住房抵押贷款在市场利率下降的情况下，其市场价值上升，既可能因LTV上升到一定程度而使借款人通过拒绝还款违约，还可能因为贷款的市场价值高于帐面价值，促使借款人提前还贷，重新融资。

On the basis of the previous study results, this paper will make an attempt to discuss objectively about the interest of loan, and holds that in the prevalence of the usurious loan, the Buddhism monastery still provided interest-free loan for the local people.

本文在借鉴、尊重前人研究成果的基础上，客观地对敦煌寺院出贷的利息问题做了尝试性的讨论，认为在当时高利贷风行的敦煌地区，佛教寺院依然在为民众提供无息借贷。

Chapter two reviews the literature in this field. Chapter three and four point out the problems existing in our country's loan-loss provision accounting policy and practice. Chapter five to chapter eight systematically review the experiences of amphibolous, debate, conflict and harmonize process of ALLL standards in America since 1975, as well as the latest dynamics on the measurement model of loan asset. The problems, experience and lessons of the whole process are analyzed from the professional perspectives of accounting recognition, measurement and disclosure. Chapter nine gives some suggestions to our country's loan-loss provision accounting policy based on the American experience. Chapter ten concludes.

第二章对国内外有关贷款损失准备金问题的实证及规范研究进行了回顾；第三章和第四章分析归纳出我国在贷款损失准备金会计政策及计提实务中存在的若干问题；在第五至第八章从确认、计量和披露等角度系统回顾了美国1975年以来在贷款损失准备金会计政策问题上所经历的模糊、分歧、冲突与协调历程及其对银行稳健和信息透明的影响，并对其在贷款资产价值计量问题的上最新发展动态进行追索和讨论；第九章在借鉴美国经验的基础上，针对我国贷款损失准备金会计政策与实务中所存在的问题，提出若干政策建议；第十章给出本文结论。

The commercial banks shall actively communicate and cooperate with the taxation departments and the departments of foreign trade and economic cooperation at various levels, to earnestly improve the financial services and enhance the service efficiency, and shall strengthen the loan administration, rigidify the pre-examination and post-inspection of the loan in accordance with the relevant provisions of the Law of the People's Republic of China on Commercial Banks and the General Rules for Loans, and thus to earnestly prevent loan risks and to ensure the stable development of this loan business.

七、各商业银行要主动和各级税务部门、外经贸主管部门沟通与合作，切实改进金融服务，提高服务效率，要根据《中华人民共和国商业银行法》和《贷款通则》的有关规定加强贷款管理，严格贷前审查、贷后检查，切实防范贷款风险，确保此项贷款业务的稳步发展。

A commercial bank shall not make a housing mortgage loan under which the credit fluctuates with the appraisal value of housing or whose use is not specified, and before a purchaser repays a loan in full, shall not make an additional loan on the basis of the reappraised net value of the mortgaged housing.

商业银行不得发放贷款额度随房产评估价值浮动、不指明用途的住房抵押贷款；对已抵押房产，在购房人没有全部归还贷款前，不得以再评估后的净值为抵押追加贷款。

City leaders should grasp owing on the loan at the progress in the mayor called "management center" for the recovery of a loan one day reported daily summary owing on the loan data provide the "recovery of loans table" in order to master the city's leading timely repayment progress, take corresponding measures.

市领导要随时随地掌握还贷工作的进度，分管市长要求&管理中心&对贷款回收情况实行一天一报，每天汇总还贷数据，填报《贷款回收情况表》，以便市领导及时掌握还款进度，采取相应措施。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : 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, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the 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.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：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，主要保证还贷期内在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，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，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，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。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; 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; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；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。。。。。。

They weren't aggressive, but I yelled and threw a rock in their direction to get them off the trail and away from me, just in case.

他们没有侵略性，但我大喊，并在他们的方向扔石头让他们过的线索，远离我，以防万一。

In slot 2 in your bag put wrapping paper, quantity does not matter in this case.

在你的书包里槽2把包装纸、数量无关紧要。