银行信用

International factoring is a comprehensive financial service, which is to provide business credit investigation, management of account payable, and credit risks guarantee for the credit sale of international trade .It is one of the intermediary services of commercial banks in our country.

国际保理业务是为国际贸易赊销方式提供的集销售帐务管理、应收账款收取、信用风险担保和贸易融资为一体的综合金融服务，在我国目前属于银行中间业务的一种。

All you need in order to qualify to apply for bad credit cash advance services is a bank account, work and a home address.

所有你所需要的，才有资格申请信用预借现金服务，是银行账户，工作和家庭住址。

Those rating agencies have earned huge sums in the past ten years offering opinions on the creditworthiness of an alphabet soup of mortgage-related securities created by over-eager banks.

在过去的十年中，这些评级机构为渴望盈利的银行的信贷证券提供信用评级而获得了利润。

Therefore, we should set up appertain system quickly, and strong the guarantee information disclose.

为了完善我国上市公司对外担保制度，应该加快上市公司配套制度建设，包括改革国有商业银行制度和加快建立社会信用体系建设，加强对外担保的信息披露。

In the last few years, although the forfeiting develops quickly in the commercial banks of China, the commercial banks faces all kinds of the legal risks, because of the lack of the experience on the forfeiting and the comprehensive understanding on the elementary knowledge of Forfaiting, especially because of the imperfect rule on the law of Forfaiting.

在商业银行需要面对和处理的各种风险之中，法律风险是最严重的风险之一，因为无论是福费廷业务经营中的信用风险、市场风险、利率风险，还是国家风险，都在不同程度上与法律风险息息相关，甚至可能最终转化为法律风险，给银行带来巨大损失。

Leaders at all levels over the years has been and the government and the community's concern: In 1990, by the Beijing Municipal People's Government of Agriculture and Forestry Office, the Beijing Municipal Bureau of Township Enterprises as outstanding enterprises; in 1991, the then secretary of the Beijing Municipal Comrade Li went to factory inspection and wrote an inscription for the enterprise,"science and technology enterprises"; in 1992 by Beijing Organizing Committee to assess the economic hundred as "economic hundred" enterprise; 1992 by the Beijing Municipal Administration for Industry and Commerce as "Shou contract re-credit" units; In 1993, the "core subjects" brand products by the National Science and Technology Commission, State Bureau of Technical Supervision, the State Bureau of Foreign Experts Affairs, the Ministry of Labor, Industrial and Commercial Bank of China as state-level new products, the same year was awarded the National Science and Technology Commission,"National Spark Award (Second Awards, etc.)"; in 1995 by the Ministry of Labor as" township enterprises nationwide scientific and technological progress advanced unit ", the product was" Chinese famous brand products of township enterprises "title; in 1996 to protect consumers by the Chinese Foundation awarded the" Consumer Trustworthy Product "title ; in 2000 the Beijing Municipal Bureau of Township Enterprises was awarded the "famous brand of township enterprises in Beijing key enterprises"; in 2004 to date, been continuous branch of the Agricultural Bank of China in Beijing as "AA grade credit enterprise" and other honorary titles.

多年来一直受到各级领导和政府及社会各界的关注：1990年，被北京市人民政府农林办公室、北京市乡镇企业局评为优秀企业；1991年，时任北京市委书记李锡铭同志曾到厂考察，并为企业题词&科技兴企&；1992年被北京经济百强评估组委会评为&经济百强&企业；1992年度被北京市工商行政管理局评为&重合同守信誉&单位；1993年，&科蕊&牌产品被国家科委、国家技术监督局、国家外国专家局、劳动部、中国工商银行评为国家级新产品，同年获得国家科委颁发的&国家星火奖&； 1995年被劳动部评为&全国乡镇企业科技进步先进单位&，产品获得&中国乡镇企业名牌产品&称号；1996年被中国保护消费者基金会授予&消费者信得过产品&称号；2000年被北京市乡镇企业局授予&北京市乡镇企业创名牌重点企业&；2004年至今，连续被中国农业银行北京市分行评为&AA级信用企业&等荣誉称号。

We lack of consummate social credit system at present, property right system of commercial bank isn't clear, and haven't form an advanced and scientific managing mechanism and the cost marrying again of economy system shunt, which lead to a biggish distance of the risk managing level between our state commercial banks and the international advanced, also a biggish warp of understand.

由于我国目前缺乏完善的社会信用体系、商业银行产权制度不明晰、尚未形成先进科学的经营管理机制以及经济制度转轨的成本转嫁，导致我国国有商业银行风险管理水平与国际先进的风险管理水平有较大的差距，在认识上也存在很大偏差。

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。

Personal loans business buyers will need at least three types of risk protection: First, the protection of property suffered major accidents and natural disasters, the risk of collateral damage to housing and property insurance; Second, lenders regular credit life insurance, primarily in the repayment period lenders due to illness or accidental injury of incapacity or death circumstances, to ensure safe recovery of bank loans, loans to family members can continue to live; Third, the performance bond purchase mortgage insurance, mainly because of the death of a guarantor when , unemployment and other reasons can not afford repayment agreement, the insurance companies on behalf of liquidity to banks than debt recovery at the same time exercise the right to receive from the collateral to the policyholder to recover compensation or reparations.

个人贷款业务的买家将至少需要三种类型的风险保障：第一，保护财产遭受重大事故和自然灾害的风险抵押损坏的住房和财产保险；第二，贷款人定期信用人寿保险，主要是在还款贷款期间因疾病或意外伤害的丧失工作能力或死亡的情况下，以确保安全收回银行贷款，贷款的家庭成员可以继续居住；第三，履约保证金购买按揭保险，这主要是因为死亡的担保人时，失业和其他原因不能还款协议，保险公司的名义向银行流动资金超过债务追偿同时行使的权利，接受该抵押给投保人收回补偿或赔偿。

Generally, the process of getting loans on the basis of the existence of different risk factors, personal loans purchase at least three types of business risk protection : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

一般而言，根据贷款买房过程中存在的不同风险因素，个人贷款购房业务至少需要三类风险保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

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。