银行信用

Lose the trust of the phenomenon as a result of the existence of economic ties between enterprises, often using ancient只敢spot cash transactions, and did not dare to adopt more efficient and convenient tools for credit transactions; and commercial banks did not dare adopt a new credit instruments, and even in traditional business also extra careful; due to low level of credit in international trade have had extensive use of letters of credit, so that effectiveness and efficiency of damage.

失去信任的现象，由于存在经济关系的企业，常常利用古代只敢现货现金交易，并不敢采取更为高效，便捷的工具信贷交易；和商业银行也不敢采取新的信用工具，甚至在传统业务也格外小心，因为低水平的信用在国际贸易中已广泛使用的信用证，因此，效益和效率的损失。

Through summarizing the experiences of the salesman and experts, and drawing lessons from the professional organizations such as banks which have established indexes system for credit rating, the thesis builds its own indexes system of credit rating for tally trade which is intentionally built up for enterprises; then by contrasting the advantages and disadvantages of the commonly used multi-indexes evaluation methods, adopts the fuzzy hamming network as the primary tool for credit rating.

首先通过总结销售人员经验，并借鉴银行等专业机构资信评级所采用的评价指标，建立适合工商企业应用的客户信用评级指标体系；然后对比常用多指标综合评价方法的优缺点和适用范围，确定采用神经网络模型中的模糊Hamming网络作为客户信用评级的主要工具。

In recent years, as the global financial market fluctuates more tempestuously, the bank is becoming more and more inclined to decrease credit loans in order to avoid the...

近年来，随着全球金融市场的变动加剧、金融产品的复杂化和一系列金融危机事件的发生，银行越来越多地减少信用贷款来回避贷款的信用风险。

The banks need to make scientifically credit evaluation of information of credit costumer before granting credit loans, objectively, comprehensively and accusatively evaluate repayment capability and repayment willing of consumer, and avoid, control and reduce bad debt loss.

银行需要在发放信用贷款之前，对信贷客户进行科学的信用评估，客观、全面、准确地评估消费者的还款能力和还款意愿，以避免、控制、减少坏账损失。

Risk management has been regard as the core function of commercial bank by the modern financial theory, and the New Basel had brought forward higher requirement for the building of risk management frame. This thesis will analyze the situation of the precaution of individual housing loan credit risk lengthways and breadthwise, using the method of actual evidences and data analysis.

本文通过运用实证分析、数据分析等方法，在对我国房地产市场和个人住房贷款业务的发展历程回顾的基础之上，对我国个人住房贷款信贷风险防范进行了纵横剖析，并结合对国外个人住房贷款信用风险防范的分析，提出了基于我国实情、借鉴国际经验的完善我国商业银行个人住房贷款信用风险防范体系的建议。

C Irrevocable, confirmable, transferable letter of credit payable after 180 days (add 10.0% of charges as deferred charges).

不可撤销、可确认、可过户的商业信用状，在银行保函或备用信用状发行後180天承兑。

D Irrevocable, confirmable, transferable letter of credit, payable after 360 days (add 20.0% of charges as deferred charges).

不可撤销、可确认、可过户的商业信用状，在银行保函或备用信用状发行後360天承兑。

Irrevocable, confirmable, transferable L/C, payable in our favor, which is at sight after issuance of the Instrument.

不可撤销、可确认、可过户的商业信用状，在银行保函或备用信用状发行後立刻兑现。

Irrevocable, confirmable, transferable L/C, payable in our favor, which is at sight after issuance of the Instrument.

不可撤销、可确认、可过户的商业信用状，在银行保函或备用信用状发行後立刻兑现 Note： Escrow Account 公正帐户 1。

Chapter 3, Financing Credit Relations between EOIA and Formal Financial Institution In this chapter, it firstly delineates connotation of EOIA quantitily and qualifiedly.

本文认为，首先，我国金融制度存在着比较严重的扭曲，在没有社会信用为涉农企业作担保的情况下，企业信用的缺失，提高了银行的贷款门槛。

Do you know, i need you to come back

你知道吗，我需要你回来

Yang yinshu、Wang xiangsheng、Li decang,The first discovery of haemaphysalis conicinna.

1〕 杨银书，王祥生，李德昌。安徽省首次发现嗜群血蜱。