银行信贷

Thirdly, by analyzing an example of how middle size enterprises finance, we conclude that middle and small size company can avoid credit admeasure by the innovation of credit system. At the same time, big banks can cut down transaction cost and gain comparable advantage by flat loan when they make a loan to middle and small companies.

通过一个中小企业融资的案例的实证分析，得出银行信贷制度的创新可以使小企业的信贷避免遭遇信贷配给，同时大银行利用平台贷款可以在小企业贷款中降低交易成本，获取比较优势。

Secondly, the author completely combs and sums up the credit system at different stage. The thesis analyzes the transformation of China's credit system after the foundation of New China. The thesis compares the characteristics and performance of different credit system; understand the historical status of credit system, Summarizes the deficiency in order to improve credit system arrangement.Thirdly, by analyzing an example of how middle size enterprises finance, we conclude that middle and small size company can avoid credit admeasure by the innovation of credit system.

论文分析了从新中国成立至今我国商业银行信贷制度的变迁，通过对不同阶段信贷制度安排的特点以及绩效的比较，了解我国商业银行信贷制度的历史状况，并总结不足，以有利于今后更好的完善。3、通过一个中小企业融资的案例的实证分析，得出银行信贷制度的创新可以使小企业的信贷避免遭遇信贷配给，同时大银行利用平台贷款可以在小企业贷款中降低交易成本，获取比较优势。4、对商业银行信贷制度做了具体细致的研究。

Real estate business credit bank credit accounted for one third of the bank's business will shrink over time whether there will be flexibility to control hard to say.

房地产的信贷业务占到银行信贷的三分之一，银行的业务将会出现萎缩，一段时间后是否会出现灵活性调控很难说。

Now the credit risk has become the bigge st current financial risk in our country's banking industry. In this article, the author an al ysed the features of bank credit, studied the approaches to the credit risk mana ge ment and poin...

作者通过对银行信贷特点的分析，探讨了控制银行信贷风险的途径，指出了银行信贷管理中应注意解决的一些问题。

The thesis sets out from the general theories of economic risks and banking credit risks management, to represent that economic risks are one of basic characters of modern market economy, and the banking credit risks are the focalization of the whole economic risks.

论文从经济风险及银行信贷风险管理的一般理论出发，阐明经济风险是现代市场经济的基本特征之一，而银行信贷风险是整个经济风险的集中反映。风险的本质在于收益与损失的可能性并存，因而对经济主体有激励效应与约束效应。

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。

The conclusion established some ways to improve the credit risk management such as optimize the national-owned enterprises and commercial banks operation structure; establish new relationship between banks and corporations; optimize bank's internal control system; balancing corporate financing ways, eliminate corporate over-dependency on bank's credit assets, and remove information asymmetric contributed by credit sales.

本文在分析和评述国内外银行信贷资产安全性相关理论的基础上，对银行信贷资产安全性与流动性、盈利性之间的关系、信贷资产安全性的概念、分类进行了界定和分析，在对影响商业银行信贷资产安全性共性因素和我国信贷资产安全性现状进行深入剖析的基础上，紧密结合中国银行业的实际，结合信息经济学、行为金融学的有关理论从产权制度、公司治理结构、融资行为、投资行为、内部控制等方面深入分析了借款企业行为、商业银行行为、政府行为及社会信用环境对信贷资产安全性的影响机理，特别是重点分析了信息不对称条件下商业银行信贷资产安全性生成机理，较系统、全面地论述了影响我国商业银行信贷资产安全性的特殊因素，并运用logistic等统计方法进行信贷资产安全性判别进行了实证研究，构建了我国商业银行信贷资产安全性判别模型，最后在此基础上提出了不断健全完善公司治理结构，树立市场化的新型银企关系；完善商业银行内部控制制度，强化内控执行机制；优化企业融资模式，降低企业对商业银行信贷资金的过度依赖；有效缓解商业银行信贷经营活动中面临的信息不对称程度等加强商业银行信贷资产安全性管理和控制的措施与建议。

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

In the first section, we analyze the effect of allocation of credit screening power on the bank"s performance, and find that the bank"s allocation of credit screening power has no significant effect upon its performance.

第一节，文章实证分析了银行信贷审批权的配置对银行经营绩效的影响，以大银行为分析样本，发现银行信贷审批权配置对其经营绩效并没有显著影响。

In this paper we will discuss the effects of credit concentration comprehensively, analyze the behavior of commercial banks with game theory and try to explain the phenomenon of credit concentration from the angle of bank credit system, macro policy and behavior of local government.

本论文重点对对信贷集中效应进行正反两方面分析，并运用博弈论方法，对商业银行信贷集中行为进行了分析，同时从银行信贷体制以及宏观政策、地方政府行为等方面解释了信贷集中的成因。

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。