银行贷款

When the real estate market continue to expand and, in the eyes of the bank, whether it is real estate loans or personal housing mortgage loans, banks are the best and most profitable assets, the banks naturally want to give up.

当房地产市场继续扩大，并在心目中的银行，无论是房地产贷款和个人住房按揭贷款，银行是最好的和最有利可图的资产，银行自然想放弃。

COASTAL COMMUNITY AND TEACHERS CREDIT UNION COLLINS COMMUNITY CREDIT UNION COLUMBUS BANK AND TRUST COMPANY COMERICA BANK COMMERCE BANCSHARES, INC. COMMERCE BANK, NATIONAL ASSOCIATION COMMERCIAL BANK COMMUNITY BANK AND TRUST CREDIT ONE BANK, NATIONAL ASSOCIATION CREDIT UNION CENTRAL FALLS CREDIT UNION OF NEW JERSEY CU COOPERATIVE SYSTEMS DATA CENTER INCORPORATED DHCU COMMUNITY CREDIT UNION DIGITAL FEDERAL CREDIT UNION DUPONT COMMUNITY CREDIT UNION ESL FEDERAL CREDIT UNION EVANSVILLE FIREFIGHTERS FEDERAL CREDIT UNION FAIRFAX COUNTY FEDERAL CREDIT UNION FAMILY SECURITY CREDIT UNION FARMERS AND TRADERS BANK FEDCHOICE FEDERAL CREDIT UNION FIA CARD SERVICES, NA FIA CARD SERVICES, NATIONAL ASSOCIATION FIDELITY BANK FINANCIAL HORIZONS CREDIT UNION FIRST-CITIZENS BANK AND TRUST COMPANY FIRSTMERIT BANK, NATIONAL ASSOCIATION FIRST BANKING CENTER - BURLINGTON FIRST COMMUNITY BANK, NATIONAL ASSOCIATION FIRST COMMUNITY CREDIT UNION FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF PORT ANGELES FIRST FEDERAL SAVINGS BANK OF FLORIDA FIRST INTERSTATE BANK FIRST NATIONAL BANK FIRST NATIONAL BANK OF TENNESSEE FIRST PREMIER BANK FIRST SAVINGS BANK OF PERKASIE FIRST STATE BANK OF ST.

海岸社区与师范储蓄互助社柯林斯合作信用社哥伦布银行及信托公司Comerica银行商业股票银行，工商银行股份有限公司，国家协会为商业银行和信托银行信用社区一家银行，国家会信用联合会中央瀑布信用新泽西兑换联盟协同系统数据中心的法团DHCU合作信用社数字联邦信用合作社杜邦合作信用社的ESL联邦信用合作社埃文斯维尔消防队员联邦信用合作社费郡联邦信用合作社家庭安全信用联盟农民和商人银行FEDCHOICE联邦信用合作社国际汽联卡服务，不适用国际汽联卡服务，全国协会信诚银行信用联盟第一个财政立式服务器，国民银行和信托公司FirstMerit现有银行，第一银行中心的全国性协会-伯灵顿第一社区银行，国家协会第一社区信贷联盟第一个联邦储蓄和贷款协会第一港口洛杉矶联邦储蓄银行美国佛罗里达州第一州际银行第一国民银行第一国民银行田纳西州的首位银行第一储蓄佩卡西作者：意法半导体第一州银行。

The movie is based on the true story about two best friends, Adam and Stefan, who decide to set up a business (import expensive motorbikes from Italy). Unfortunately bank refuses to give them credit. At the same moment Gerard offers them that he finds a proper guarantor in order they can get a credit form bank. Two young men accept his proposal but soon it turns out he demands a high percentage for a deal. Adam and Stefan come to a decision to resign form Gerard's offer. It means beginning of their nightmare: Gerard summits a check and demand paying back an imaginated debt. From this moment Adam and Stefan are physically and psychically tormented and humiliated and blackmailed. As police and justice are powerless, they decide to set free themselves by their own. Action turns unbelievably and cruelly

这部影片是一件真实的故事，是关于两个要好的朋友，Adarn 和 Stefan，他们决定一起做生意，不幸的是银行拒绝给他们贷款，就在此时 Gerard 给他们提供了担保人，就这样他们从银行得到了贷款，两个年轻人接受了他的建议，但是不久他们发现贷款的利率很高，Adarn 和 Stefan 决定退回 Gerard 提供的担保，Gerard 申请了一张支票转移了他所有的债务，此时 Adarn 和 Stefan 在精神上和身体上受到了极大的打激，警察对此也毫无办法，他们只有采取自己的办法来面对这件事

By providing them with timely information, the service helps the student borrowers understand the articles of loan contract, settles the specific problems that they confront in the course of repayment and increases repayment rate; conversely, by providing bank with information about student borrower, the service alters the approach to and cost of collecting, increases the bank\'s availability of collecting defaulted loan and thus reduces default and credit stinting.

它通过向借款学生提供及时有效的信息，帮助借款学生理解贷款合同条款，解决学生在还款过程中遇到的具体问题，提高还款率；通过向银行提供有关借款学生的信息，改变银行的追讨方式和成本，进而增加银行追讨拖欠贷款的可行性，降低拖欠和惜贷。

The bank looks on strive to develop discounting of bill business as one means having strategy significance of effective commercial bank lessening non-performing loan rates therefore , respectively, to look forward to mentioning

因此，各家银行把大力发展票据贴现业务作为商业银行有效降低不良贷款率的一项具有战略意义的手段，以期提高商业银行的资产质量和市场竞争力，不仅如此，银行还可以通过加快转贴现速度来加速资金周转，以达到和流动资金贷款持平甚至更高的利润。

That's because Chinese banks haven't binged on property lending: Only 20 percent of outstanding loans are in real estate, either in the form of mortgages or credit to developers, according to the World Bank.

世界银行透露，中国房市的低迷并不像美国的次贷危机，因为中国的银行没有发放太多的房产抵押贷款：只有20%的未偿还贷款是投放到房地产市场的，在抵押贷款和房产商的信贷方面也是相同的。

Congress also may tinker with the 12 regional Federal Home Loan Banks, which lend money to more than 8,000 commercial banks, thrifts, credit unions and insurers.

国会也可以对12家地区性联邦住房贷款银行进行改革。这些银行向8，000多家商业银行、储蓄银行、信用合作社和保险公司发放贷款。

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。

But the industry believes that for a set of housing loans due to customers not in the list, if the customer in different banks only for a set of housing loans, the approach will not be able to monitor,"in the personal mortgage information-sharing systems against the backdrop of a difficult birth , People's Bank of Ningbo, the second best practice is to move the curve."

但业内人士认为，一套住房贷款的客户，由于没有在清单中，如果客户在不同的银行只为一套住房贷款，该办法将无法监督，&在个人抵押贷款信息共享系统的背景下进行的难产，人民银行宁波，第二最好的做法是把曲线。&

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。

But we don't care about Battlegrounds.

但我们并不在乎沙场中的显露。

Ah! don't mention it, the butcher's shop is a horror.

啊！不用提了。提到肉，真是糟透了。