商业信用

Hence, this paper investigates the reasons for credit risk from institution and risk management.

第五章国有商业银行信用风险的模型应用。

In this paper the concept of credit risk is limited to the financial category and this paper mainly discusses the credit risk in our commercial banks.

对于我国的商业银行而言，信用风险是一个必须面对，而且必须尽快解决的问题。

The deviation was attributed to the arousal of new needs on account of new products displayed, better packages, better credit facilities, charming saleswomen/menship and also because a nou-yeau riche neighbour was buying some particular article. While making purchases, the son had her class teachers' new lipstick in her mind, the wife was thinking of a particular sari she had seen at a party, and he himself was overawed by his neighbour's choices.

由于新的产品的出现，更好的包裹，更好的信用设备，吸引人的商业关系的产生，也由于富有的邻居买了一些特别地商品。，新的需要随之产生，导致了背离预算，当他们在购物时，他的儿子想要和他老师一样的唇膏，他的妻子想要她在一个宴会上看到过的特别的卷布，他自己想要和邻居一样的选择。

Over the past five years, Pacific Life has created a Chinese life insurance market, younger, better educated and more specialized the "three-high team" from 2003 to 2006, for four consecutive years by the international authority of the international rating agency Fitch grant BBB rating, Fitch credit quality of companies that good, sound financial strength, a good business model; 2005-2006, the operator service system has access to "a new lease office services,""claims management services," and "protection services" And "customer service system," the four BSI ISO9001: 2000 quality management system certification indicates that the level of service has been operating with international standards; October 2006, Taiping Life won the 14th World Productivity Congress Innovation Development Forum "Top Ten outstanding innovative enterprises," the title, is also China's finance and insurance sector was the only one of the awards business.

五年来，太平人寿创建了一支中国寿险市场上年轻化、知识化、专业化的&三高团队&；2003年至2006年，连续四年被国际权威评级机构惠誉国际授予BBB+评级，惠誉认为公司信用质量良好，财务实力稳健，建立了良好的商业模式；2005年至2006年，运营服务体系先后获得&新契约保单服务&、&理赔管理服务&、&保全服务&和&客户服务体系&四项BSIISO9001：2000质量管理体系认证，标志着公司运营服务水平已经与国际接轨；2006年10月，太平人寿荣获第14届世界生产力大会创新发展论坛&十佳创新型杰出企业&称号，也是中国金融保险业中唯一一家获得该奖项的企业。

Through several year, Tea City is one of the special wholesale markets designated by the Tea Circulation Association of China, the pivot tea market in China, the five star tea market, the tea market of receive the collective tour, the famous brand corporation in China, the "AAA" levels frank corporation in Shanghai. The famous brand in Shanghai.Top Tea Corporation in China. Shanghai Famous brand. Shanghai perfect service brand. Famous business brand in China. Famous service brand in China. AA credits corporation in Shanghai. Five stars civilized market and labor guarantee credits corporation. Be designated tour commend market and international tea culture meeting place, Succeeded to conduct " the first ?national tea match".

经过多年的精心经营，作为&国家茶叶专业批发市场&和&全国重点茶市&的大不同天山茶城，创出享誉全国的&大不同&品牌，如今已成为中国茶叶行业百强企业，被中国茶叶流通协会指定为&国家茶叶专业批发市场&、&全国重点茶市&、&中国商业名牌企业&、&上海市著名商标&、&上海市先进私营企业&、&五星级文明市场&、&AAA级守合同重信用企业&、&接待旅游团体推荐单位&、&劳动保障诚信单位&，是&上海国际茶文化节&分会场，被指定为上海市接待旅游团体推荐单位和上海国际茶文化节分会场，成功举办了首届上海&全国茶道表演大赛&和&品茶王&大赛。

Through several year, Tea City is one of the special wholesale markets designated by the Tea Circulation Association of China, the pivot tea market in China, the five star tea market, the tea market of receive the collective tour, the famous brand corporation in China, the "AA" levels frank corporation in Shanghai. The famous brand in Shanghai.Top Tea Corporation in China. Shanghai Famous brand. Shanghai perfect service brand. Famous business brand in China. Famous service brand in China. AA credits corporation in Shanghai. Five stars civilized market and labor guarantee credits corporation. Be designated tour commend market and international tea culture meeting place, Succeeded to conduct " the first ?national tea match".

经过多年的精心经营，作为&国家茶叶专业批发市场&和&全国重点茶市&的大不同天山茶城，创出享誉全国的&大不同&品牌，如今已成为中国茶叶行业百强企业，被中国茶叶流通协会指定为&国家茶叶专业批发市场&、&全国重点茶市&、&中国商业名牌企业&、&上海市著名商标&、&上海市先进私营企业&、&五星级文明市场&、&AA级守合同重信用企业&、&接待旅游团体推荐单位&、&劳动保障诚信单位&，是&上海国际茶文化节&分会场，被指定为上海市接待旅游团体推荐单位和上海国际茶文化节分会场，成功举办了首届上海&全国茶道表演大赛&和&品茶王&大赛。

Simply porting over Prosper's business model won't work, given the lack of credit history, the lack of a large student loan market, the still-young Internet culture, and the severe regulatory environment.

鉴于缺乏信用记录，缺乏广大的助学贷款市场，缺乏青年互联网文化，缺乏严格的规管环境，只是简单移植Prosper的商业模式是行不通的。

There are some successful experiences in the countries throughout the world that we can use for reference Basing on Chinese reality and using of the international experience of other countries, the paper puts forward some short-termed and medium-and-long termed measures to start up Chinese folk investment through finance These measures are as f ollo~vs establihing polical financial channel building credit guarantee system for folk MS SE, integrating Chinese financial policy supporting greatly Chinese Medium-and-small financial institutions improving the service of state-owed commercial banks for MSSE.

本文在借鉴世界各国金融启动民间投资成功经验的基础上，结合当前我国民营中小企业发展中存在的实际困难，立足我国现实国情，提出了金融启动民间投资的近期对策和中长期对策，包括有建立政策性的筹资渠道、建立民间中小企业信用担保体系，完善我国的金融政策、大力支持我国中小金融机构的发展、改善我国国有商业银行对中小企业的金融服务、大力拓展银行中间业务、发展融资租赁业、以中小企业的整体重组促进投融资、发展风险投资、建立二板市场等。

Ltd asked us to supply them with Chinese Carlic to the value of Stg.

资信调查业务是指根据客户委托，通过与外部资信调查公司合作提供商业资信报告，或通过我行有关海内外机构了解有关企业的基本背景、信用状况、付款能力、不良记录等信息形成资信调查报告，并将该报告或信息向客户提供的业务。

Therefore, how to prevent and dissolve the commercial bank credit risk, it is particularly important.

因此，怎么防范和化解商业银行信用风险，就显得尤为重要。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。