银行信贷

Credit Stinting ,Credit Rationing and the Efficiency of Monetary Policy

银行惜贷，信贷配给与货币政策有效性

On the basis of questionnaire survey, interview and comparative studies of domestic and international practices, this dissertation, in terms of the credit financing guarantee theory and the principal-agent theory under asymmetrical information, discusses the necessity of introducing guarantee to GSSL and examines the following questions: why guarantee can solve the problems of high default rate and credit stinting, which kind of guarantee is suitable for GSSL, which body is fit for providing guarantee for GSSL and how to motivate the guarantor to accomplish the guarantee task of GSSL.

本文在问卷调查、访谈调查和国际比较研究的基础上，运用信息不对称下的信贷融资担保理论、委托—代理理论，论述将担保引入到国家助学贷款中的必要性，探究担保为何能够解决拖欠率高和银行惜贷问题、哪种担保方式适合国家助学贷款、哪些主体适合为国家助学贷款提供担保以及如何激励担保人做好国家助学贷款担保工作。

Once society underwrites banks, the choice is between big equity buffers that push up the price of credit but make things safer, or smaller buffers and periodic bail-outs.

一旦政府为银行买单，就需要在会推动信贷成本上涨的缓冲股权以及小额缓冲股权以及时不时就需要的援助作出选择。

For example, capital regulations and provisioning rules as agreed by the Basel committee on banking supervision, and industry governance structures, especially in the area of risk management, need to restrain excessive risk-taking in upturns and discourage excessive conservatism when credit to companies and households is most needed.

例如，巴塞尔银行监管委员会(Basel Committee on Banking Supervision)制定的资本要求和供应规定，以及行业管理结构，需要遏制上升时期的过度冒险行为，劝阻在企业和家庭最需要信贷时的过度保守主义。

Rising cost of credit was mainly due to the quality of bank assets has changed.

信贷成本的上升，主要是由于银行资产质量发生了变化。

Individual housing loans reached 97.7% rate of return, has become a commercial bank credit quality assets.

个人住房贷款回收率达到97.7％，已经成为商业银行的优质信贷资产。

China builds Zhao Lin of bank assistant president to think: With the letter of business affairs of the electron on the net expenditure grade regards a bank as the important basis that loan extends, this is the finance innovation that contemporary commercial bank breaks through traditional credit mode.

中国工商银行行长杨凯生则表示：&将信贷金融服务和互联网有机结合，并拓展到电子商务领域，共同发掘和培育以网上交易和网络信用为基础的网上交易融资市场，将使越来越多诚信的网商成为受益者。&

The development of Hi-tech industry has a close relationship with the reform and innovation of finance system. Before the mature of VC market's coming, loans from commercial bank and finance guaranty is the main method for Hi-tech business.

高科技产业的发展与金融制度的改革、创新密切相关，在风险投资市场尚未充分发育之前，商业银行的信贷服务及与之相关的融资担保仍是高科技企业融资的主要手段。

In recent years, credit for increasing business car retailers run the business bank also reached five.

近年来，开展信贷业务的汽车销售商日益增多，开办此项业务的银行也达到5家。

Citi is the latest Wall Street bank to rethink its bonus system in the wake of the credit crunch.

花旗是信贷危机爆发后，重审其奖金制度的最新一家华尔街银行。

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。