银行信用

1ST FINANCIAL BANK USA ACCESS FEDERAL CREDIT UNION ACMG FEDERAL CREDIT UNION ALASKA USA FEDERAL CREDIT UNION ALDENVILLE CREDIT UNION AMERICA FIRST FEDERAL CREDIT UNION ANCHOR MUTUAL SAVINGS BANK APPLIED CARD BANK ARIZONA FEDERAL CREDIT UNION ARIZONA STATE CREDIT UNION ARLINGTON FEDERAL CREDIT UNION BANCO POPULAR DE PUERTO RICO BANK MIDWEST, NATIONAL ASSOCIATION BANK OF AMERICA, NATIONAL ASSOCIATION BANK OF UTAH BANNER BANK BARCLAYS BANK DELAWARE BARCLAYS BANK PLC BELCO COMMUNITY CREDIT UNION BRANCH BANKING AND TRUST COMPANY BURBANK CITY FEDERAL CREDIT UNION CAPITAL ONE, F.S.B. CAPITAL ONE, NATIONAL ASSOCIATION CAPITAL ONE BANK CARD SERVICES FOR CREDIT UNIONS, INC. CHARTWAY FEDERAL CREDIT UNION CHASE BANK USA, NATIONAL ASSOCIATION CHELSEA GROTON SAVINGS BANK CITIBANK, N.A. CITIBANK SOUTH DAKOTA, N.A. CITIZENS BANK CITIZENS EQUITY FIRST CREDIT UNION CLYDESDALE BANK PLC.

金融银行美国第一联邦信用合作社ACMG可信联邦信用合作社阿拉斯加美国联邦信用合作社奥尔登维尔储蓄互助社美国第一联邦信用合作社主播银行双方储蓄银行卡应用美国亚利桑那州联邦信用合作社亚利桑那州立储蓄互助社阿灵顿联邦信用合作社波多黎各人民银行银行中西部，美国全国银行协会，美国犹他州横幅银行全国性协会银行巴克莱银行巴克莱银行特拉华贝尔科合作信用社分支银行与信托公司的伯班克市联邦信用合作社第一资本，联邦安全局第一资本，全国性的协会，首都一家银行卡服务信用社股份有限公司查特韦联邦信用合作社美国大通银行，全国性协会切尔西格罗顿储蓄银行花旗银行，北美花旗银行南达科他，不适用国民银行公民的权益第一信用卡联盟格士德银行有限公司。

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

SABATTUS REGIONAL CREDIT UNION SELCO COMMUNITY CREDIT UNION SERVICES CREDIT UNION SERVICE CREDIT UNION SOUTHWEST CORPORATE FEDERAL CREDIT UNION SOUTH CAROLINA BANK AND TRUST, NATIONAL ASSOCIATION SOUTH CENTRAL SAVINGS BANK FSB SRP FEDERAL CREDIT UNION STAR PROCESSING INC. STATE BANK AND TRUST COMPANY STATE BANK OF SOUTHERN UTAH STATE EMPLOYEES CREDIT UNION STILLMAN BANCORP N.A. SUNCOAST SCHOOLS FEDERAL CREDIT UNION SUNTRUST BANK SUN COMMUNITY FEDERAL CREDIT UNION TARGET NATIONAL BANK TCM BANK, N.A. TELEPHONE WORKERS CREDIT UNION TESCO PERSONAL FINANCE LTD TEXAS BANK AND TRUST COMPANY THE BANK OF NEW GLARUS THE CREDIT UNION OF ALABAMA FEDERAL CREDIT UNION THE FARMERS BANK THE FIRST NATIONAL BANK OF MIFFLINTOWN THE FIRST NATIONAL BANK OF WYOMING THE GOLDEN 1 CREDIT UNION THE GOTHENBURG STATE BANK AND TRUST COMPANY THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND THE PADUCAH BANK AND TRUST COMPANY THE SOUTHERN FEDERAL CREDIT UNION THREE RIVERS FEDERAL CREDIT UNION TIB THE INDEPENDENT BANKERSBANK TONGASS FEDERAL CREDIT UNION TOOELE FEDERAL CREDIT UNION TOWN NORTH BANK, NATIONAL ASSOCIATION TRACY FEDERAL CREDIT UNION TRAVIS CREDIT UNION TRONA VALLEY COMMUNITY FEDERAL CREDIT UNION U.S. BANK NATIONAL ASSOCIATION U.S. BANK NATIONAL ASSOCIATION, ND U.S. BANK NATIONAL ASSOCIATION UNION BANK, NATIONAL ASSOCIATION UNITED BANK, INC. USAA SAVINGS BANK U S POSTAL SERVICE FEDERAL CREDIT UNION VALLEY NATIONAL BANK VISIONS FEDERAL CREDIT UNION VISTA FEDERAL CREDIT UNION WACHOVIA BANK, NATIONAL ASSOCIATION WASHINGTON MUTUAL BANK WELLS FARGO BANK, NATIONAL ASSOCIATION WORLDS FOREMOST BANK

萨巴特斯区域信用联盟SELCO社区信贷联盟的服务储蓄互助社服务信用联盟南西科珀里特联邦信用合作社南卡罗来纳州银行和信托，国家储蓄银行协会中南财经事务局SRP的联邦信用合作社卫视处理有限公司国家银行和信托公司南犹他州州立银行国家雇员储蓄互助社斯蒂尔曼Bancorp公司不适用桑科斯特流派联邦信用合作社太阳信托银行Sun社区联邦信用合作社解决国家银行中医银行，不适用电话工人储蓄互助社特斯科超市有限公司德州个人理财银行和信托公司的新格拉鲁斯银行，阿拉巴马州联邦信用联盟信用合作社的农民银行第一届米夫林敦国家银行怀俄明州的第一金1学分联盟哥德堡国家银行和信托公司的总督和苏格兰银行的公司国家银行帕迪尤卡银行与信托公司的南联邦信贷联盟三国河流联邦信用合作社工商局的独立BANKERSBANK汤格西联邦信用合作社图埃勒联邦信用合作社镇北岸，全国协会特雷西联邦信用合作社特拉维斯储蓄互助社天然碱Valley社区联邦信贷协会全国联合会美国银行美国银行协会，国家协会钕美国银行联合银行，全国性协会联合银行，储蓄银行股份有限公司USAA公司美国邮政服务联邦信贷协会谷国家银行联邦信用合作社摄影视觉景色联邦信用合作社美联银行，华盛顿互惠银行全国协会富国银行，全国性协会世界最重要的银行

Hence, this paper investigates the reasons for credit risk from institution and risk management.

第五章国有商业银行信用风险的模型应用。

Is located in "township of denim" reputationòIndustrial Park, Taixing City, covers an area of 40,000 square meters, the existing assets of 40 million yuan, 500 employees, of whom Rapier over 300 units, imported pulp dyeing machine 3, processing a full set of clothing production equipment 400 sets, annual production of all kinds of Yarn-dyed denim, and more than 10 million yards, bank credit AAA level, is a dye weaving, weaving, dyeing and finishing, garment integrated enterprise groups.

泰兴市涟泰纺织有限公司地处&牛仔布之乡&美誉的泰兴市黄桥镇工业园，占地40000平方米，现有资产4000万元，职工500人，其中剑杆织机300多台，进口染浆联合机3台，加工服装全套生产设备400余台，年生产各式牛仔布和色织布1000万码以上，银行信用AAA级，是一个集染织、织造、染整、服装于一体的综合企业集团。

Bank credit rating of AA-level economic and trade designated the Office of the Company to cross-border trade of wheat fertilizer cotton wool imported crude oil refined oil rice corn coal exports of steel right to operate.

银行信用评级AA级省经贸厅指定本公司享有边贸小麦羊毛化肥棉花进口原油成品油大米玉米煤炭钢材出口经营权。

With sixty-three million registered capital, CCCEC, being awarded by bank as AAA Level Credit, and entitled as First Class Qualified General Contractor on Road Constructing Project, on House Building Engineering Project, on Building Decorating Engineering Project, as well as Road Foundation, Pavement and Bridge, and as Second Class Qualification On Lift Installation Engineering and On Crane Assembling and Installation Engineering, possesses more than 200 sets of large-sized equipments and more than 90 sets of different testing devices.

中交建设注册资本金 6300 万元，银行信用等级 AAA 级。拥有大型设备二百多台套，各类检测设备九十多台套。具有公路工程施工总承包一级；房屋建筑工程总承包一级；建筑装饰工程专业承包一级资质；公路路基、路面、桥梁专业一级资质和电梯安装工程、起重设备安装工程专业二级资质。

Therefore, how to prevent and dissolve the commercial bank credit risk, it is particularly important.

因此，怎么防范和化解商业银行信用风险，就显得尤为重要。

So, how to evaluate the performance of commercial bank credit management is a very important problem.

因此，如何评价一个商业银行信用管理绩效的高低，将是摆在理论研究者和实际工作者面前的一个重要课题。

Finally, the author gave some suggestions to perfect our commercial bank credit rating of proposals.

最后，提出了优化我国商业银行信用评级方法的几点建议。

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。