银行信贷

After Credit Asset Securigation Commercical bank that is traditional part as a mediam of deposit and loan desalinize gradually,it develops the service scope of commerlical bank and there has been a big increase in the scale of band credit through selling bank loan of bank credit through selling bank loan .

信贷资产证券化使商业银行作为存贷中介的传统角色逐渐淡化后，拓展了商业银行的服务范围，通过出售银行贷款，从而增加银行贷款规模。

For the incompliant lending patterns mentioned above, on commercial banks part, improving the management and business technique will reduce, or even eliminate the incompliant behaviors in the pre-investigation process. From the Central bank and China Banking Regulatory Commission side, setting the inner network in the same industry, controlling the ratio of real estate loan, and enhancing the penalty to suppress the development of incompliant lending of real estate are effective ways to control risk. Fundamentally, the government should conduct the developer of real estate to search for the new financing mode to improve the stability and development, this might include some measures as follows: improving the liability financing structure of large real estate companies, develop the Reits and support its securitization to form the multi-financing.

对上述违规模式，从银行内部提高管理及业务水平方面，本文提出了针对性的风险防范措施，可有效地将违规的苗头扼杀在贷前调查过程中；从央行及银监会角度，可以通过建立同业信息沟通网络、严格控制房产信贷比重、加大违规惩戒力度等手段抑制房地产违规信贷的发展；而最根本的，政府应当引导房地产开发企业寻找新的融资渠道来促进房地产行业稳定和健康的发展，包括改善大型地产企业的债务融资结构、发展房地产投资信托基金及推动房产抵押证券化等方式形成房地产多元化融资的格局，这样，房地产违规信贷模式也就不攻自破了。

This paper from the actual situation has analyzed the integer status of our banking, and mostly discussed the superior and inferior of the nation owned single proprietorship bank of commerce of our country after we joined WTO, and sums up that the nation owned single proprietorship bank of commerce of our country should take reforms in the finance system, pattern of management, and strengthen the credit risk management, expand retailing positively and construct the networking bank such as positive effective countermeasure so as to compete with the foreign banks.

该项研究，从实际出发，充分论述和分析我国银行业的整体状况，通过重点论述加入WTO后，我国国有独资商业银行在竞争中具有的优、劣势分析，总结出我国国有独资商业银行作为我国银行业主体应该在金融体制改革、经营模式转换，加强信贷风险管理，积极发展零售业务，构建网络银行等方面，采取积极有效对策，同外资银行进行竞争。

The network is an alliance of 24 major banks and microfinance lenders in 15 countries. Members include Citigroup in the United States, ING and Triodos Bank of the Netherlands, Equity Bank of Kenya and Banco Azteca of Mexico.

该网络系统是由15个国家的24家大型银行和小额信贷机构组成的一个联盟，其成员包括美国花旗集团、荷兰商业银行和Triodos银行、肯尼亚Equity银行以及墨西哥Banco Azteca银行。

European universal banks such as UBS, Credit Suisse and Deutsche Bank, constrained by the lack of opportunities in their overbanked home markets, have also muscled into the American big league.

风行欧洲的银行如瑞士联合银行，瑞士信贷银行以及德意志银行，因在银行过度密集的国内市场缺少机会而被迫挺进美国大联盟。

European universal banks such as UBS, Credit Suisse and Deutsche Bank, constrained by the lack of opportunities in their overbanked home markets, have also muscled into the American big league.

风行欧洲的银行如瑞士联合银行，瑞士信贷银行以及德意志银行，因在倾斜过度的国内市场缺少机会而被迫挺进美国大联盟。

Depend the consumption by credit, risk and consume the theoretical cognition in risk of consumption by credit with make use of, point out the consumption by credit's risk is objective existent of, the scheme exterminates the risk, getting around the risk, is not realistic, only have to know the risk progressively, control risk, will consume to lend money the risk as low as lowest degree, then can realize the target of the management of the commercial bank.

通过对消费信贷、风险以及消费信贷风险理论的认识和运用，指出消费信贷风险是客观存在的，企图消灭风险，回避风险，是不现实的，只有积极地认识风险、控制风险，将消费贷款风险降低到最低程度，才能实现商业银行的经营目标。

In November 2007, alibaba builds a bank to cooperate with China again, roll out the loan product that does not need any mortgage " network couplet is protected ", network couplet guarantees loan is product of a loan, comprise a combine by the home or 3 3 above enterprises, will apply for loan jointly, china builds Zhao Lin of assistant president of bank head office to express: With Alibaba's collaboration, this is contemporary commercial bank breaks through traditional credit mode first, finance that with the letter of business affairs of the electron on the net expenditure grade regards a bank as the important basis that loan extends innovates.

2007年11月，阿里巴巴再次与中国建设银行合作，推出不需要任何抵押的贷款产品&网络联保&，网络联保贷款是一款贷款产品，由3家或3家以上企业组成一个联合体，共同来申请贷款，中国建设银行总行副行长赵林表示：&与阿里巴巴的合作，这是现代商业银行首次突破传统信贷模式，以网上电子商务的信用度评级作为银行贷款发放的重要依据的一次金融创新。&

In July 2007, state environmental protection administration, the people's bank together with banking regulatory commission signed a file named 'The suggestion to fulfill environmental policies and rules to prevent credit risks'.

本文旨在对绿色信贷在其他商业银行开展情况进行分析，结合中国银行自身情况，提出中国银行的绿色信贷战略，并对绿色信贷业务的实施和开展给出建议。

Credit: 1 March new loans was at Rmb1.87tn, according to people familiar with the situation . Bill discounting saw a small share compared with Jan and Feb. 2 Mr. LI Yang, ex-member of PBoC 's Monetary Policy Committee, said yesterday that Q109 new credit data was "a big and shocking number". 3 PBoC : several regional heads said PBoC are concerned with 2 issues: the mismatch between loan growth rate and annual growth target; too much long duration loans.

消息人士透露，3 月份新增信贷为1.87 万亿。3月新增信贷中贴现票据融资所占比例与一、二月份相比较小。2）中国人民银行货币政策委员会前委员李扬昨日称，一季度新增信贷数据&大得很可怕&。3）央行：多位央行大区行人士指出，当前央行重视两大问题：一是贷款增速与货币供应目标值不匹配；二是贷款中长期贷款比例过高的问题。

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。