银行信贷

The thesis apply the theory of exchange expense and the theory of consign to credit activity. Credit market is deemed as an imperfect market, the paper analyzing the problem of Adverse Selection, Moral Hazard, Credit Admeasure that caused by information asymmetry, so to check the credit system arrangement at academic angle.

论文把制度经济学的委托代理、交易费用等理论应用于我国银行的信贷实践，将信贷市场视为一个不完全信息的市场，分析由此导致的逆向选择和道德风险、信贷配给等问题，从理论的角度考查了信贷制度安排。2、对我国不同阶段的信贷制度进行了一次全面彻底的梳理。

This article based on the postal savings to the survival and development of the target, and play in rural network and brand advantages, cultivate core competence, the construction characteristics, a "differential" bank of road, puts forward the postal savings bank in the overall strategy to rural and urban development, and make good use of their advantages, while doing the rural coinsurance microfinance and the rural guarantee loans , using the credit risk of three passes, strengthen risk management, raise the risk control ability,and chose steady development strategy.

本文立足于邮政储蓄求生存、求发展的目标，取长补短，发挥在农村网络、品牌优势，培养核心竞争力，建设特色银行、走"差异化"道路为出发点，提出了邮政储蓄银行在整体战略上应向农村和中小城市发展，利用好自身网络优势，把农村联保小额信贷，农村保证贷款做大做好的同时，利用信贷风险的三道防线，强化风险管理，提高风险防控能力，选择稳健发展战略。

The chapter first analyzes the present situation and the existent problems of the development of consumer credit in China.

第三章分别从消费信贷发展的社会经济背景和商业银行发展消费信贷的原因两方面论述我国发展消费信贷的背景和原因。

Activity-based microcredit through conventional or specialised banks such as, agricultural credit, livestock credit, fisheries credit, handloom credit, etc.

活动为基础的小额信贷通过传统或专业银行（如，农业信贷，畜牧业信贷，渔业信贷，手摇信贷等

Risks arising from the lack of a set of scientific and efficient risk prevention mechanism, the incomplete establishment of the national credit system and the morbidity of the relevant legal regulations have gradually become the bottleneck for notational commercial banks' credit for private auto consumption.

由于目前我国商业银行自身还缺乏一整套科学有效的风险防范机制，加上我国社会信用体系尚未完全建立，与个人汽车消费信贷相关的法律法规还不健全等，风险问题已逐渐成为商业银行个人汽车消费信贷的瓶颈，该项业务的发展受到严重阻碍。

The model also holds the state of your application's universe at the present moment,but is totally disconnected from an notion of aUI.2A set of views,which describe how to render some portion of the model as avisible UI,but otherwise contain no logic.3A set of controllers,which handle incoming requests,perform operations on the model,and choose aview to render back to the user.

在银行系统中，对象就应该包括"银行账户"、"信贷限额"；操作可能包括"资金转账"；业务逻辑应该是"一个账户转账金额不能超过信贷限额"2View，描述了如何把Model数据呈现为可视的UI，没有任何的业务逻辑。3Controllasp neter，处理进来的用户请求，对Model数据执行相应的操作，选择呈现哪一个视图给用户。

"The country is probably going through the most severe credit crunch since 1991-92," Wyss said, referring to a time when banks and savings and loans came under severe pressure while the economy was in a recession.

Wyss根据经济在衰退时期银行、贷款、存款受到巨大的压力时说，整个国家将遭受自1991-92年来最严重的信贷危机，他认为银行的信贷在一段时间内会保持从紧的政策。

Because despising the credit risk of loan management will threaten the existence of the bank, disgusting the credit risk of loan management also will threaten the existence and development of the bank.

不重视风险的信贷管理最终将威胁到银行的生存，不愿承担适当风险的信贷管理最终同样会威胁到银行的生存与发展。

The dissertation set up the plane coordinate with credit rating as abscissa and granted money as ordinate, analyzed the bank\'s credit rationing procedure under the circumstance of government\'s control of interest rate and the domestic monopoly of credit market. The conclusion is that guarantee is the necessary condition for eliminating bank\'s credit stinting.

与此同时，本文建立以信用等级—借款额度为横纵坐标的平面坐标系，分析在目前我国政府实行利率管制、国内信贷市场垄断的情况下，银行的信贷配给过程，结果表明，担保是消解银行惜贷的必要条件。

Government intervention could manage to limit the credit decline to less than 10%, at the cost of more capital injections, further longer-term guarantees of liabilities, tolerance of higher leverage within socialized banks, and not a little credit "dirigisme," i.e., directing banks to lend.

政府干预可以设法限制信贷下滑小于10%，代价是更多的资本注入、代价是较长期限的负债保证、代价是更大的社会化银行杠杆作用的容忍、代价是不是一点点的国家干预的信贷，而是国家指导银行放贷。

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。