银行信用

The CBRC allows commercial banks to implement the internal rating method by stages, however, when a commercial bank obtains the approval for using the internal rating method, its asset coverage ratio calculated according to the internal rating method (risk-weighted assets calculated according to the internal rating method)/(risk-weighted assets calculated according to the internal rating method + risk-weighted assets of other credit risk exposures calculated according to the revised capital supervisory provisions) shall not be lower than 50%, and it shall formulate the plan for the implementation of internal rating method by stages, so as to ensure that the asset coverage ratio reach 80% in three years.

银监会允许商业银行分阶段实施内部评级法，但在获得许可使用内部评级法时，采用内部评级法的资产覆盖率（按内部评级法计算的风险加权资产/［按内部评级法计算的风险加权资产＋按修订后资本监管规定计算的其他信用风险暴露的风险加权资产］）应不低于50％，并制定分阶段实施内部评级法规划，以保证3年内资产覆盖率达到80％。

The result shows that both the structure and factors mentioned above are different from those in other developed regions, e.g., most of the SMEs are state-owned and traditional manufacturers with low accumulation of funds and high assets-liabilities ratio, the selection of financing for liabilities has been transferred to commercial credit from traditional bank loan or other forms of indebtedness, the total assets and number of employees are significantly related to the financing for liabilities, which shows that the "scale discrimination" is specially obvious in the Northeast China's old industrial base.

其结论是：东北老工业基地中小企业融资结构及影响因素明显不同于经济发展水平较高地区，国有中小企业比重较高且大多集中于传统制造业；企业内部积累偏低、资产负债率较高，但其债务融资选择已由传统的银行贷款向商业信用等其他负债转移；企业负债融资与总资产和企业人数等规模指标显著相关，"规模歧视"在东北地区表现得较为突出。

In this section, we can keep the economy grow fast and the money market activity but in order. And not only keep the sufficient competition among the finance institutions, but also avoid the money market risk assuringly. Releasing the exchange rate can enhance the capital flowing among the countries. Then the foreign finance crisis is easier to impact inland.

在这个区间内，经济能够保持持续快速增长，同时金融市场又是活而不乱，各金融机构之间既有充分的竞争（如各商业银行可以在规定的上下限范围内自行确定利率，建立信用等级与利率的对应关系），又可以有保证地避免金融市场的风险；放松汇率使得国家间的资本流动加强，伴随而来的是外国的金融危机更加容易传递到国内。

If you have a problem with your credit card bank they're going to report this in your credit history.

如果你有你的问题，他们要去银行信用卡在您的信用报告，这一历史。

Among the risks of bank,the credit risk is the most important one to avoid.

在银行面临的诸多风险中，信用风险的管理非常重要。

Therefore, to the bank credit risks' precision measure is an important topic.

因此，对银行的信用风险的精确度量是一个重要的课题。

The level of China's society commercial credit is not high, the bill market growth is not mature, the operation of commercial bank accepts and discount is not standard and the rediscount market is very limited.

我国社会商业信用水平不高，资本市场成长得不够成熟，商业银行的运营难达到标准以及再贴现市场非常有限。

According to the Bank for International Settlements, the proportion of net CDS positions to government debt is highest in Portugal, at just 5%.

根据国际清算银行的资料，净信用违约掉期头寸占政府债券的比例最高的是葡萄牙，仅为5％。

In June 2007, alibaba takes the lead in combining industrial and commercial bank to roll out this loan to fund a plan, fasten to have proper credit class business door provides financing service.

2007年6月，阿里巴巴率先联合工商银行推出了该贷款资助计划，为有一定信用级别的商户提供融资服务。

Actually Basle capital accord can be perfected gradually through investigation and research on credit risk.

第一章概括了本文选题的原因，金融系统的脆弱性以及金融监管的国际化合作趋势使得信用风险管理问题成为当前金融领域最为重要的一个课题，当然该选题对于正处于改革进程中的中国商业银行来讲无疑有着重要的现实意义。

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。