贷款

Second, the American style of mortgage securitization is rife with conflicts where entities that originate, securitize and service mortgages are generally not the same as those that invest in mortgage securities.

其次，美国式的抵押贷款证券化充满了冲突，源于实体，证券化和抵押贷款服务一般是不一样的那些投资于按揭证券。

The reversal in policy will give the lenders the flexibility to "purchase or securitise, over the next six months, up to $20bn or more of subprime mortgages", a US regulator said.

一位美国监管人士表示，这一政策转向将赋予抵押贷款发放机构更大的灵活度，允许其&在未来6个月中，购买或证券化高达200亿美元甚至更多的次级抵押贷款&。

Aiming at credit risk of loan portfolios in banks, this paper proposes a surplus process of a loan portfolio, and establishes a ruin model with finite and discrete time. Using this model, we derive the ruin probabilities and their recursive equations for the class with single loan amount and the class with multiple loan amounts.

摘 要：本文针对银行贷款组合中的信用风险，提出了贷款组合的盈余过程，得到了有限离散时间下的一个破产模型；并且利用该破产模型推导出单一贷款额结构和多个贷款额结构下的破产概率及其递归公式。

The IASB also proposes a rejig of how bad debts are recognised. Instead of booking losses as things go sour, they will be spread over the life of a loan, although the draft rules do not go as far as Spain's system of "generic provisions" which leads to more reserves being built up in good times than in bad, smoothing profits even more.

IASB还调整了辨别坏账的方法，他们将跟踪记录贷款的整个过程，而不是在贷款变成坏账之后才开始清算损失，尽管这项调整的草案没有西班牙的&通则&系统那么深入，以至于能使银行储量在经济状况良好的时候，而不是在经济状况不好的时候得到积累，从而更好地保证盈利。

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。

The implicit faith in the ability of the market economy to correct itself, which is largely responsible for the removal of established regulations in the United States, tended to ignore the activities of prodigals and projectors in a way that would have shocked Adam Smith.

斯密将那些过度的求利风险的鼓吹者称为&投机分子&，这一说法是对过去几年中的次级贷款放债人的绝好形容。例如，在讨论反高利贷法的时候，斯密希望国家规范在那些鼓吹不稳定贷款的&投机分子&面前，为公民提供保护

Nowadays, real estate companies mainly gain the commercial loans from domestic banks and the returns of the properties sold and presold. The resources of the developing funds from the monetary trust, IPO and private financing are limited and it is only a small proportion of the sources of the developing funds. Every commercial bank all strengthens the attention of the loan risk and is strict with the process of examining and approving loans. At the same time

现在国内房地产开发项目主要依靠商业银行贷款和项目销售回款，资金信托、上市融资和私募融资都占有房地产项目开发融资资金来源的极小比例，在商业银行强化风险意识，各大银行逐步严格对房地产开发项目的建设贷款的审批，同时国家不断的通过土地政策和开发政策，对房地产行业进行宏观调控，在新的形势下的房地产开发企业在大型房地产项目开发的过程中，拥有足够的融资能力和融资渠道，就显得极为重要了。

All the banking financial institutions shall practically fulfill the "six service commitments" and handle special affairs in a special way to ensure smooth channels for earthquake relief donations and remittances; shall provide good services for payment and settlement of disaster relief funds to ensure that disaster relief funds be remitted to the accounts of payees as soon as possible; shall do a good job in capital dispatch and remittance to safeguard the needs of the clients in disaster areas for drawing cash and ensure the timely entry of disaster relief funds into accounts and the timely allotment of disaster relief funds; shall try to resume normal business operation of outlets in disaster areas, and may set up temporary outlets under a special circumstance to ensure the needs of clients for transactions; shall rapidly process international earthquake relief funds and reduce charges as much as possible; shall open green credit-granting channels for earthquake relief, actively do a good job in granting of disaster relief loans, support the timely purchase and circulation of earthquake relief materials, provide special financial services for the heavily affected industries and enterprises of power, communications, highway and railway, etc., guarantee the efficiency in examination and approval of loans and ensure the disaster relief funds be in place timely.

银行业金融机构都要切实履行&六项服务承诺&，特事特办，确保抗震救灾捐款、汇款通道顺畅运行；做好救灾款项的支付清算服务，确保救灾款项第一时间到达指定收款人账户；做好资金调运和汇划，保障灾区客户提取现金的需求，保证救灾款项及时入账和拨付；在保证安全的基础上，设法恢复受灾地区网点的正常营业，特殊情况下可设临时营业点，以保证客户办理业务的需求；对有关抗震救灾的国际救助资金快速办理，并尽可能减免费用；开启抗震救灾绿色授信通道，积极做好抗震救灾贷款投放，支持抗震救灾物资的及时采购和流通，对电力、通讯、公路、铁路等受灾害影响大的行业和企业采取特殊的金融服务支持，保证信贷审批效率，确保救灾贷款及时到位。

And several more schools are joining the no-loan club this fall, even more schools have taken steps to reduce debt among their neediest students.

今年秋季更多的学校会加入减免学费贷款的行列。还有更多的学校已经采取措施逐步减轻家境困难的学生们学费贷款的压力。

Managers a lot of mortgage bank business manager, said these breakthroughs are likely to be the future trend of mortgage, but at present banks are not so to do, and the freedom to choose the properties for sale although the push-off moves, but later the bank, taking into account the risk of too large terminated.

管理人员大量的抵押贷款银行的业务经理说，这些突破很可能是未来的趋势，抵押贷款，但目前银行没有这样做，并自由选择的属性出售虽然推动小康行动，但后来银行，同时考虑到风险太大终止。

Breath, muscle contraction of the buttocks; arch body, as far as possible to hold his head, right leg straight towards the ceiling (peg-leg knee in order to avoid muscle tension).

呼气，收缩臀部肌肉；拱起身体，尽量抬起头来，右腿伸直朝向天花板（膝微屈，以避免肌肉紧张）。

The cost of moving grain food products was unchanged from May, but year over year are up 8%.

粮食产品的运输费用与5月份相比没有变化，但却比去年同期高8％。