商业信用

Recently, the cases of fraudulently applying for bank cards for the encashment at the merchants' POS have frequently occurred, the trading volume that may involve frauds goes up, and the credit risk, operational risk and regulation compliance risk confronted by commercial banks for engaging in the bank card business are on the rise.

最近，因虚假申领银行卡进行商户POS套现行为引发的欺诈风险事件频繁发生，涉嫌欺诈的交易金额水平有所上升，商业银行开展银行卡业务面临的信用风险、操作风险、合规风险等呈现上升态势。

This paper studied the impact of deposit insurance on commercial bank's decision.

1作为首次在存在信用风险和存款保险的条件下，对商业银行行为的微观模型进行系统研究的文献，本文在研究对象上有所创新。

In this paper, firstly we use stepwise discriminant analysis method in the multivariate statistics analysis to select the index from all of the enterprise rating index and establish reasonable enterprise credit rating system .

我国国有独资商业银行在信用评级方法上已经基本与国际接轨，但在评级实践中却暴露出一些问题，主要是评级指标和分值标准由主观确定缺乏科学依据。

This thesis made out creative analysis on credit risk management of stated-owned commercial banks under information asymmetry as follows:(1) It pointed out that banks can set for claim for compensation in credit contracts, so that companies that breach the faith would be published once the breach occurred.(2) It suggested that banks can set committees in companies to supervise the application of capitals, in order to make sure that specific capital should be used in specific projects.(3) It advised that special departments, acting like independent directors, can be set by banks enterprises to supervise the shared information, so that to decrease moral risk.

本文的创新点在于对信息不对称下的国有商业银行信用风险管理提出了如下几点对策：(1)银企双方在签订贷款合同时可以建立违约索赔的机制，一旦银行发现企业违约，而对方至少应该受到经济上的制裁；(2)建议银行设立投资监控管理委员会，对企业资金的使用状况进行监督管理，以保证借出的资金不被挪用到其他项目，做到专款专用；(3)在银企双方设立类似于独立董事的机制，对信息的透明度进行监控，保证企业不出现道德风险方面的问题。

The probability of default measure to the borrowes which has been listed as the key element in the New Basel Capital Accord's IRB,is an important aspect in the credit risk management of modern commercial bank.

对借款人进行违约概率的测算，己经被列为巴塞尔新资本协议内部评级法的关键内容，是现代商业银行信用风险管理的重要环节。

Senhe seed industry is a landscape of flowers and seeds and seedlings research and development, production, sale and application-oriented standardization of joint-stock enterprises in Zhejiang Province are the first batch of "the backbone of the provincial-level leading agricultural enterprises" and "high-tech enterprise", through the ISO9001: 2000 quality management system certification, a "secondary city landscape Qualification" and "the right to self-Products Import and Export", the third consecutive year was named the bank's credit AAA-class enterprise and commercial acceptance bill rediscount pilot enterprises.

森禾种业是一家以花卉和园林绿化种苗的研发、生产、销售及应用为主的规范化股份制企业，是浙江省首批"省级骨干农业龙头企业"和"高新技术企业"，通过了ISO9001：2000质量管理体系认证，具有"二级城市园林绿化企业资质"和"自营产品进出口权"，连续三年被评为银行信用AAA级企业和商业承兑汇票再贴现试点企业。

The problems on risk management through capital allocation for commercial banks are converted into the respective research on appraisal methods to reserve for bad debts and capital at risk arising from credit risk, market risk and operating risk within the framework of a unified risk management model of capital allocation.

有了统一的资本配置风险管理模型后，商业银行的资本配置风险管理问题就转化为分别研究信用风险、市场风险和操作风险的损失准备金和风险资本估计方法。

A Revolving Loan Fund provides small loans to people who want to start businesses but who have no credit history or access to commercial bank loans.

循环贷款基金提供小额贷款给想要创业、却没有信用纪录或无法取得商业银行贷款的人。

International factoring is an alternative method of international settlement and financing provided by factors to exporters, which involves financing, sales ledger administration, collection of accounts receivable and credit cover.

国际保理是一种由保理商为卖方提供的集商业资信调查与评估、应收账款的管理与追收、贸易融资及买方信用风险担保于一体的综合性国际结算与融资方式。

Also involve commercial banks internal risk control, the establishment of a social credit management system, and so on.

同时还涉及商业银行内部的风险控制、建立社会信用管理体系等方面。

Neither the killing of Mr Zarqawi nor any breakthrough on the political front will stop the insurgency and the fratricidal murders in their tracks.

在对危险的南部地区访问时，他斥责什叶派民兵领导人对中央集权的挑衅行为。

In fact,I've got him on the satellite mobile right now.

实际上 我们已接通卫星可视电话了