银行贷款

Few days ago, the People's Bank of China announced the commercial banks of individual housing loans for self-adjustment policies, has evoked strong repercussions.

几天前，中国人民银行宣布，中国的商业银行个人住房贷款余额为自我调整政策，引起强烈反响。

Some of that shortfall will be made up by loans from the World Bank and the Asian Development Bank.

这一部分缺口有的能通过世界银行和亚洲发展银行的贷款来填补。

SIB was not really a bank, for it took in deposits but did not make loans.

斯坦福国际银行不是真正的银行，因为它吸收存款，但不发放贷款。

Financial giants began to see the new hope lying behind the quick development of Hainan. They returned to support Hainan: State Development Bank has in 2004 signed a 35 billion RMB strategic cooperation contract with Hainan. Later another 5 billion RMB soft loan was given to Hainan province, and now the fund is still added increasingly; Soon after this, the Construction Bank of China signed a strategic cooperation contract of 50 billion RMB with Hainan.

金融巨头们看到了海南快速发展背后的新希望，又回过头对海南进行支持：国家开发银行2004年和海南签订了一个350亿元的战略合作协议，后来又给了海南50亿元的软贷款，现在还在增加；接着建设银行也签了一个500亿元的战略合作协议。

This article studies the key point is through sends the bank Dalian branch individual housing loan customer to the waters edge to pay off a debt the behavior present appraisal system question analysis, is clear about by the quantification primarily thought, proposed establishes the new system the principle, the model fuzzy mathematics theory, designs two dimensions, 15 targets, increase the confidence level computation function, according to the AHP law and the expert advice law assignment target weight, establishes the appraisal model, the division customer pays off a debt the behavior rank, sends the bank Dalian branch existing appraisal system to improve.

本文研究重点是通过对浦发银行大连分行个人住房贷款客户偿债行为现行评价体系问题的分析，明确以量化为主的思想，提出建立新体系的原则，借鉴模糊数学的理论，设计两个维度，十五项指标，增加可信度计算函数，根据AHP法和专家意见法分配指标权重，建立评价模型，划分客户偿债行为等级，对浦发银行大连分行现有的评价体系加以改进。

In the bank financial products market, trust fund facility is the most popular and most direct.

在银行理财市场中，银行通过信托贷款方式为房企融资是最为普遍和直接的方式。

In an effort to keep money markets from drying up,the Federal Reserve has doubled the size of avital lending facility for banks,to$300billion,and expanded agreements with other central banks that funnel dollars to lenders abroad.

在维持货币市场流动性的努力中，美联储把一项对银行的关键贷款供应规模翻番，达到3000亿美元，并且延伸了与其他央行关于它们为在海外经营的美国的银行注资的协议。

Then choosing SPDB which has the best operational risk result based on the conclusions of the third chapter, to compare with Sviskaenska Enskilda Baken,aiming for finding the advanced methods in operational risk management from foreign bank and convenient for the suggestion bring forward in the next chapter.

由于在以往文献中，与国外银行操作风险的比较分析大多停留在文字表述层面，或仅依靠银行财务报表数据(资本充足率、不良贷款率等)进行简单对比描述，很少进行实证分析，因而缺乏操作风险估计值的直观对比，所以本文力图采用基本指标法估计操作风险数值并进行比较分析是文章的另一创新之处。

Lending rates are capped at 14% for state banks and 17% for private banks.

国有银行的贷款利率不超过14%，私有银行不超过17%。

Today, in the United States, money used in transactions is mainly of three kinds - currency (paper money and coins in the pockets and purses of the public); demand deposits (non-interest bearing checking accounts in banks); and other checkable deposits, such as negotiable order of withdrawal accounts, at all depository institutions, including commercial and savings banks, savings and loan associations, and credit unions.

今天，在美国，在交易中使用的货币主要有三种-货币（公众的口袋和钱包中的纸币和硬币），活期存款和其他支票存款，如在所有存款机构，包括商业银行和储蓄银行、储蓄和贷款协会和信用合作社中可转让的提款单的帐户。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。