银行信用

The New Capital Accord attaches more importance to banks' inside system of assessing risks than to the capital adequacy, and emphasizes the supplementary role of Supervisory Review of Capital Adequacy and Market Discipline.

与旧协议相比，新巴塞尔资本协议扩大了资本充足约束的范围，对银行面临的信用风险、市场风险和操作风险均提出了配置相应资本的要求，提出了一整套可供银行灵活选择的循序渐进的资本金计算方法。

Chapter Three expounds the contents of the main risks confronted our state-owned commercial banks in current situation and then analyzed the cause of formation of the main risks. I hold the opinion that the key factors that curb the improvement of risk management in our state-owned banks are as follows: the limitation of the property right system, the imperfectness of the credit legal system and the backwardness of the technological means in risk management.

第三章阐述了现阶段我国商业银行面临的主要风险的内容，随后分析了主要风险的成因，认为产权制度缺陷、外部市场缺陷、信用法制环境不完善，风险管理的技术手段落后是制约目前国有商业银行风险管理能力提高的关键因素。

The purchase also relieved the bank of both the credit risk and the interest rate risk--that is, of having to worry that people might default, or that interest rates might rise during the life of the loan.

买下抵押贷款消除了银行的信用风险和利率风险，也就是说使银行不必担心客户拖欠贷款，或是还贷期间利率上涨。

While some thrift institutions have acquired demand deposit authority, their participation in money creation is limited relative to banks which hold nearly all business demand deposits and the majority of individual and government demand deposits.

尽管一些储蓄机构也获得了提供活期存款的授权，但与商业银行相比它们创造信用的能力十分有限，由于商业银行拥有几乎所有企业的活期存款、绝大部分个人和政府的活期存款。

So, the commercial banks in China should establish a complete management system of credit information to investigate and verify the credit of customers and perfect the document scrutinization system and the operation procedure of settlement service.

因此，我国银行应当建立完善的信用信息管理系统，对结算对象进行信用调查与审核，健全涉外单据审核机制，完善结算业务规程，建立风险调查和反馈制度，以在最大程度上防范国际结算业务中的风险。

The loan crisis is the result of the finance hypes,which is mainly created by macroeconomic regulation and impropered control, the real estate unbalanced market, thus it is especially important to pay attention to our country present Commercial bank's credit risks.

次贷危机是低估房地产信贷个人信用风险的结果，伴随这我国房地产行业的急速发展，关注我国目前商业银行的信用风险显得尤为重要。

Credit history is based on information retrieved from sources including Public records such as electoral roll information, court judgments and bankruptcies; and Information provided by financial institutions and other lenders such as banks that provide credit accounts and lending facilities.

信用历史，是基于信息来自来源包括公共记录，例如选民名册资料，法院的判决和裁定破产；和金融机构提供的信息和其他放款银行等，提供信用帐户和贷款机制。

According to the request of IRB system in NBCA, this paper analyzes the core factors of IRB system, combs and portrays the IRB process adding the step of risk precaution, describes several quantitative methods of risk precaution and compares them, then collets the methods of credit rating, does some deep researches in measurement of PD which are the core contents of IRB system, and does some empirical analysis using EDF model, finally gives the application of the IRB system and draws the chart of credit risk quantization in terms of portfolio theory, wishes to provide beneficial reference for the development and improvement of Chinese commercial banks'IRB system.

本文按照巴塞尔新资本协议中内部评级系统的要求，分析和解读了内部评级系统中的关键要素，梳理并描画了添加风险预警环节后的内部评级流程，分析了风险预警的各种定量方法并进行了比较，然后汇总了信用评级的方法，深入研究了违约概率的测度方法，用EDF模型作了些实证分析，最后归纳整理出了内部评级系统的应用，并描画了基于资产组合的信用风险量化流程图，以期为我国商业银行内部评级系统的发展和完善提供有益的参考。

This paper establishes the credit risk evalution index system of the enterprise mainly based on the exiting theory of enterprise credit risk.

本文主要以现行的企业信用风险理论为基础，建立基于商业银行的企业的信用风险评估指标体系。

Guide the thirty-third article: the commercial banks should be adopted, including the borrower's employing unit, the tax department, industry and commerce management departments as well as credit institutions, such as independent third-party investigation to examine the authenticity of applications for loans and the borrower's credit to understand themselves and their family's assets, liabilities, credit record and so on.

指南的第三十三条：商业银行应通过，其中包括借款人的用人单位，税务部门，工业和商业管理部门以及信贷机构，如独立的第三方进行调查，审查申请的真实性贷款和借款人的信用，了解自己和家人的资产，负债，信用记录等。

I am accused of being overreligious," she said in her quiet, frank manner,"but that does not prevent me thinking the children very cruel who obstinately commit such suicide.""

客人们在卡罗利娜·埃凯家里，举止就文雅一些，因为卡罗利娜的母亲治家很严厉。

Designed by French fashion house Herm è s, this elegant uniform was manufactured in our home, Hong Kong, and was the first without a hat.

由著名品牌 Herm è s 设计，这件高贵的制服是香港本土制造，是我们第一套不配帽子的制服。