信贷控制

A: What's credit control?

什么是信贷控制？

In such a background, China's commercial banks credit control, will bring more opportunities to overseas investors.

在此种背景下，中国商业银行的信贷控制，必将给海外投资者带来更多的机会。

We're also responsible for invoicing customers, and for credit control.

我们也负责给顾客开发票，和信贷控制。

Assist credit control function on data analysis and special financial report.

协助关于信贷控制的数据分析和特殊的财务报表

The effectiveness of the equilibrium credit rationing behavior to our monetary policy mainly express in following aspects: The first, the creation of the equilibrium credit rationing behavior influence the National Central Bank's activity of adjusting the control of foundational monetary directly; The second, the existence of the equilibrium credit rationing behavior inevitably influence the effectiveness of the National Central Bank controls the policy of the market interest rate; The third, the equilibrium credit rationing behavior would influence the monetary multiplicator; The fourth, the existence of the equilibrium credit rationing behavior would result the partition of the credit market.

均衡性信贷配给对我国货币政策的影响主要表现在以下几个方面：第一，均衡信贷配给的产生直接影响中央银行调控基础货币投放的主动性；第二，均衡信贷配给的存在必然影响中央银行控制市场利率政策的效力；第三，均衡性信贷配给影响货币乘数；第四，信贷配给的存在导致信贷市场的分割。

The ninth chapter contains the author's general study based on micro-level credit management. On the basis of summarizing the theories and methods for each procedure of credit risk control, referring to the recent total risk management concept in western countries, and with his years' of work experience, the author puts forward the theory of TRC that is based on micro-level credit management and the principles for the building of TRC.

第九章在总结微观信贷风险控制过程各流程环节的理论和方法研究的基础上，借鉴西方国家近几年才提出的全面风险管理思想，结合作者多年实践工作的体会，提出了基于微观信贷管理的全面风险控制的理论构想，TRC是对信贷风险控制所涉及的人员、过程和信贷品种三位一体（3P's）的全面的、系统的、动态的管理思路，并提出了构建TRC体系的原则框架。

Different strokes for different folks: There is quite a lot of differentiation in how AXJ economies deal with the trilemma, from the strict capital and credit controls that accompany China's soft peg against the US dollar, to the greater flexibility that the Indian rupee enjoys.

亚洲经济体应对三元悖论的方式存在很大差异。例如，中国为配合"软钉住"美元的汇率制度而实行严格的资本和信贷控制，印度则实行弹性较大的汇率制度。

The conclusion established some ways to improve the credit risk management such as optimize the national-owned enterprises and commercial banks operation structure; establish new relationship between banks and corporations; optimize bank's internal control system; balancing corporate financing ways, eliminate corporate over-dependency on bank's credit assets, and remove information asymmetric contributed by credit sales.

本文在分析和评述国内外银行信贷资产安全性相关理论的基础上，对银行信贷资产安全性与流动性、盈利性之间的关系、信贷资产安全性的概念、分类进行了界定和分析，在对影响商业银行信贷资产安全性共性因素和我国信贷资产安全性现状进行深入剖析的基础上，紧密结合中国银行业的实际，结合信息经济学、行为金融学的有关理论从产权制度、公司治理结构、融资行为、投资行为、内部控制等方面深入分析了借款企业行为、商业银行行为、政府行为及社会信用环境对信贷资产安全性的影响机理，特别是重点分析了信息不对称条件下商业银行信贷资产安全性生成机理，较系统、全面地论述了影响我国商业银行信贷资产安全性的特殊因素，并运用logistic等统计方法进行信贷资产安全性判别进行了实证研究，构建了我国商业银行信贷资产安全性判别模型，最后在此基础上提出了不断健全完善公司治理结构，树立市场化的新型银企关系；完善商业银行内部控制制度，强化内控执行机制；优化企业融资模式，降低企业对商业银行信贷资金的过度依赖；有效缓解商业银行信贷经营活动中面临的信息不对称程度等加强商业银行信贷资产安全性管理和控制的措施与建议。

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。

Tatsu Yu Wen said that last year's rate hike only to the lending interest rate cap has increased, but banks are allowed a certain degree of interest rate to float downward a "spread" in order to carry out credit control.

达蔚闻说，去年的加息只对贷款利率上限增加了，但银行是允许一定程度的利率下浮的&蔓延&，以便进行信贷控制。

This one mode pays close attention to network credence foundation of the businessman very much.

这一模式非常关注商人的网络信用基础。

Cell morphology of bacterial ghost of Pasteurella multocida was observed by scanning electron microscopy and inactivation ratio was estimated by CFU analysi.

扫描电镜观察多杀性巴氏杆菌细菌幽灵和菌落形成单位评价遗传灭活率。