银行信用

The high quality managerial talent, the extreme responsible enterprise staffs and the excellent poster paper product printing processing craft enable this company always to have the good enterprise credit and the profession prestige, guarantees the quality,the service customer is our objective, is driving force which the enterprise survival and depends on develops This company has the adva-nced paper printing processing mechanical device, depends on the Shenzhen paper product printing industry home leading sup-eriority,this company customer spreads the home, far fords the ocean other shore We are engaged in the poster paper product manufacture,directly roduct examination discipline, had guaranteed our overwhelming majority customer stabilizes and turning head rate This company has the multiwraps to use the South Korean part paper cup to take shape the production line The mon-thly output 10 million poster paper cups,5,000 papers cups are especially few subscribe the custom make, is quickest in five days to deliver The complete paper cup product selects the high quality A level reed paper manufacture (completely primary thick liquid, does not contain recycling paper pulp is the A level), the albedo Degree of hardness ultra is good Guaranteed by the reli-able stable quality that, good postsale follows up to ser-ve becomes China to move, the Chinese telecommunicati-on, China Uni-com, the communications bank, the construction bank, the agricultural bank, the brilliant bank, china merchants bank, ten thousand branches real estates,China is the technology, the Shenzhen aviation, China is safe and so on the wellkno-wn big enterprise's long-term stable partner.

高素质的管理人才，极端负责任的企业员工和精良的广告纸制品印刷加工工艺使本公司一向拥有良好的企业信用和行业声誉，保证质量，服务客户是我们的宗旨，是企业生存和赖以发展的原动力。本公司拥有先进的纸品印刷加工机械设备，依托深圳纸制品印刷业的国内领先优势，本公司客户遍及国内，远涉大洋彼岸。我们从事广告纸制品制造，直接关系客户的品牌推广，我们拥有宁可报费一万，不能放过一个的极端负责任的产品检验纪律，保证了我们绝大多数客户的稳定和回头率。本公司拥有多套采用韩国部件纸杯成型生产系线。和国内知名高档超白度芦苇淋膜纸生产企业一直保持比较良好的合作关系，保证了本公司生产原材料的稳定供给。五千只纸杯特少起订定做，最快五天内交货。全部纸杯产品选用优质A级芦苇纸制造(全部原生浆，不含回收纸浆为A级)，白度挺度超好。以可靠稳定的质量保证，良好的售后跟进服务成为中国移动，中国电信，中国联通，交通银行，建设银行，农业银行，光大银行，招商银行，万科地产，华为技术，深圳航空，中国平安等知名大企业的长期稳定合作伙伴。

The high quality managerial talent, the extreme responsible enterprise staffs and the excellent poster paper product printing processing craft enable this company always to have the good enterprise credit and the profession prestige, guarantees the quality,the service customer is our objective, is driving force which the enterprise survival and depends on develops This company has the adva-nced paper printing processing mechanical device, depends on the Shenzhen paper product printing industry home leading sup-eriority,this company customer spreads the home, far fords the ocean other shore We are engaged in the poster paper product manufacture,directly roduct examination discipline, had guaranteed our overwhelming majority customer stabilizes and turning head rate This company has the multiwraps to use the South Korean part paper cup to take shape the production line The mon-thly output 10 million poster paper cups,5,000 papers cups are especially few subscribe the custom make, is quickest in five days to deliver The complete paper cup product selects the high quality A level reed paper manufacture (completely primary thick liquid, does not contain recycling paper pulp is the A level), the albedo Degree of hardness ultra is good Guaranteed by the reli-able stable quality that, good postsale follows up to serve becomes China to move, the Chinese telecommunicati-on, China Uni-com, the communications bank, the construction bank, the agricultural bank, the brilliant bank, china merchants bank, ten thousand branches real estates,China is the technology, the Shenzhen aviation, China is safe and so on the wellkno-wn big enterprise's long-term stable partner.

高素质的管理人才，极端负责任的企业员工和精良的广告纸制品印刷加工工艺使本公司一向拥有良好的企业信用和行业声誉，保证质量，服务客户是我们的宗旨，是企业生存和赖以发展的原动力。本公司拥有先进的纸品印刷加工机械设备，依托深圳纸制品印刷业的国内领先优势，本公司客户遍及国内，远涉大洋彼岸。我们从事广告纸制品制造，直接关系客户的品牌推广，我们拥有宁可报费一万，不能放过一个的极端负责任的产品检验纪律，保证了我们绝大多数客户的稳定和回头率。本公司拥有多套采用韩国部件纸杯成型生产系线。和国内知名高档超白度芦苇淋膜纸生产企业一直保持比较良好的合作关系，保证了本公司生产原材料的稳定供给。五千只纸杯特少起订定做，最快五天内交货。全部纸杯产品选用优质A级芦苇纸制造(全部原生浆，不含回收纸浆为A级)，白度挺度超好。以可靠稳定的质量保证，良好的售后跟进服务成为中国移动，中国电信，中国联通，交通银行，建设银行，农业银行，光大银行，招商银行，万科地产，华为技术，深圳航空，中国平安等知名大企业的长期稳定合作伙伴。

In the contemporary inconvertible credit currency system, the effective exploitation of monetary policy depends largely on a set of sound credit institutions which enable the central bank to regulate monetary policy intermediary objective, to secure monetary policy transmission, and to utilize monetary policy instruments.

在当代不兑现的信用货币制度下，货币政策的有效发挥依赖于一套健全的信用制度，因为中央银行对货币政策中介目标的调控、货币政策的顺畅传导以及货币政策工具的运用都以健全的信用制度为基础。

This thesis intends to explore fundamental causes for risks related to financing activities of our state-owned commercial banks and draw relevant proposals to tackle these causes by undertaking thorough investigations into internal and external variables related to financing activities of the banksThis thesis firstly investigate four external variables affecting financing activities, including enterprises, government, central bank and social creditability before proceeding to make an enquiry into internal variables and make proposals to deal with these external and internal variables that cause risks related to financing activities.

本文旨在通过对国有商业银行贷款风险的研究，对我国国有商业银行信贷风险从银行内、外部因素这两大角度作了深入的分析，探究我国国有商业银行信贷风险产生的根本原因，并提出相应的对策。文章从企业、政府、中央银行、社会信用等四个方面对信贷风险产生的外部因素进行了探究，而后通过对信贷风险产生的内部因素的分析，为银行信贷风险管理指明了方向。

Jeremy Badman, partner in the strategic IT and operations practice focusing on investment banks at Ol iver Wyman, highlights the problem that arose with credit default swaps, a mechanism used by banks to lay off risk that has turned into a market measured in trillions of dollars.

杰里米·巴德曼是奥纬咨询的合伙人，专注于投资银行的战略性IT和运维实践。他突出说明了信用违约调期衍生的问题，信用违约调期本来是银行解除风险的一种工具，现在它变成了上万亿美元的一个市场。

Jeremy Badman, partner in the strategic IT and operations practice 1）focusing on investment banks at Oliver Wyman, 2）highlights the problem that arose with credit default swaps, a mechanism used by banks to lay off risk that has turned into a market measured in trillions of dollars.

杰里米·巴德曼是奥纬咨询的合伙人，专注于投资银行的战略性IT和运维实践。他突出说明了信用违约调期衍生的问题，信用违约调期本来是银行解除风险的一种工具，现在它变成了上万亿美元的一个市场。

Commercial banks shall strengthen gathering, straightening out, analyzing and utilizing the information on clients' payment and settlement credit, follow up knowing about the facts on enterprises' issuing, accepting and encashing commercial acceptance bills, and initiatively submit the commercial acceptance bill acceptors' information on deferred payments and their information on the credit of others to the People's Bank of China.

商业银行要加强对客户支付结算信用信息的收集、整理和分析利用，跟踪了解企业签发、承兑和兑付商业承兑汇票的情况，主动向人民银行报送商业承兑汇票承兑人的不良支付信息和其他信用信息。

Finally, this paper demonstrates how to measure credit risk through a case and puts forward some advice for our commercial banks.

最后，通过一个国内银行的实际案例来具体说明如何测定我国商业银行的信用风险，并对我国银行业信用风险的测定和建模提出了一些意见和建议。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : 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, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the 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.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：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，主要保证还贷期内在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，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，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，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。

How to measure credit risk to improve commercial banks credit is very important.

如何度量银行的信用风险以及如何提高商业银行的信用就成为一个十分重要而迫切的问题。

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。