负担

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

Speaking during a city council interpellation session, Chen said her government is considering using the Environmental Protection Bureau s air pollution control fund to pay for the free MRT service program.

在接收市议会质询时，陈菊说市政府正考虑使用环保局的空污控制基金来负担免费捷运服务计画的费用。

Analysis of the exemption clause in the interpretation of the burden or risk transfer clauses, the specific rules of interpretation apply.

分析了在解释免责条款或危险负担转移条款时，对该解释规则的具体运用。

With the "High School Temporary Curriculum Guidelines" that come along with the policy of educational reform, in each community-based school, the school's curriculum and resources require the interscholastic administration and cross-school support so as to release each school's heavy financial burden and to share and extend its curriculum.

依现今教改政策宣布实施新的课程暂纲，各校的教学课程与资源，更需要社区化学校跨校的行政与教学支援，才能减轻学校的财务负担，课程能够延续。

By Xuanwu District Housing Group and the historic look of protected areas of housing development and construction of office to develop a large-scale affordable housing projects Lecheng sunny Lotus Garden is located in Xuanwu District Honglian Lianhua Road South and south-east corner of the intersection from the West Second Ring only 600 meters this year from the City Center project recently.

由宣武区房屋集团和历史风貌保护区的住房开发建设办公室制定了大规模的负担得起的住房项目乐晴莲园位于宣武区红莲莲花南路和东南角的交汇从西二环仅600米，今年从市中心最近的项目。

Self-injurious behavior not only brings direct damage to the body,brings his family and the society big psychological pressure and economic burden ,also makes the relative educational intervenor puzzled.

自伤行为不仅给个体带来直接的身体伤害，给家庭和整个社会带来沉重的心理压力及经济负担，而且困扰着相关干预人员。

If you're looking for an affordable life insurance rate, you're inundated with choice.

如果您正在寻找一个可负担得起的人寿保险率，你就淹没了选择。

The theories such as labor value theory, balanced price theory, and inutility theory have been summarized.

归纳和总结了有关的劳动价值理论、均衡价格理论、厂商理论、效用理论、按照负担能力分担理论等定价理论。

Inventory valuation method of accounting policy choice is to develop an important business content, choose a different method of inventory valuation reports will lead to different profits and inventory valuation, and corporate tax burden, the cash flow impact.

存货计价方法地选择是制定企业会计政策的1项重要内容，选择不同的存货计价方法将会导致不同的报告利润和存货估价，并对企业的税收负担、现金流量产生影响。

Hypothesis one is"paternalism that Chinese all—round governmentgenerates and government official'S agent problem result in SBC";Hypothesis two is"SOE'S policy burden and inviability give rise tO SBC";Hypothesis three is"externalities that SOE is bankrupted and liquidated and SOB'S passivity lead toSBC".

这三个假说是：假说中国全能政府所产生的父爱主义与政府官员的代理问题导致软预算约束；假说国有企业的政策性负担与缺乏自生能力导致软预算约束；假说国有企业破产清算的外部性与国有银行的消极性导致软预算约束。

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。