银行贷款

The writer was formerly managing director of the World Bank Group and executive vice-president of the International Finance Corporation, its private

作者是世界银行集团前常务董事，国际金融公司现任执行副总裁。国际金融公司是世行集团的私人部门贷款机构。

After more than a year of deliberation, the World Bank Group International Finance Corporation IFC and Shanghai's largest real estate finance and information services business - Anjia Group recently announced by the Group of 200 Anjia million in equity investment, IFC completed a real estate mortgage industry in China's first strategic investment.

经过一年多的酝酿，世界银行集团国际金融公司国际金融公司和上海最大的房地产金融和信息服务企业-安家集团最近宣布的安家集团的200万美元的股本投资，国际金融公司完成房地产抵押贷款业的中国的第一个战略投资。

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

Experts pointed out that the banks lower lending rates to attract buyers for a number of irrational consumption.

专家指出，银行降低贷款利率，以吸引买家对一些不合理的消费。

This is because the algorithm can be used to the banking system of cash loans and the issuance of the name.

这是由于该算法能用于银行系统现金贷款的发放而得名的。

The UK banks are understood to have much of their lending focused on the still-performing parts of Dubai World, however, including DP World and Jebel Ali Free Zone.

不过，这些英国银行的大量贷款据信集中在迪拜世界仍在运转的部分，其中包括迪拜世界港口公司和杰拜勒。

It got a 176 billion yuan ($26 billion) credit line from state banks in January to develop a 150-seat jetliner.

该公司于今年1月份从国有商业银行获得1760亿（260亿美元）的贷款，以用于研发一种新的150座客机。

WHEN she learned that the bank was about to foreclose on her mortgage, Katherina Schnible, a slightly lame 72-year-old, remained in her third floor apartment in a little frame.

当她得知自己抵押贷款的住房将被银行没收后，凯瑟琳。

Still, the country's currency, the krona, is under heavy pressure and the cost of buying insurance for debts owned by Icelandic banks has shot up to the highest levels for any country's lenders.

不过，该国货币冰岛克朗仍然承受着沉重压力，而对所有国家的贷款机构而言，给冰岛银行的债务购买保险的费用都猛增至最高水平。

Tightening investment-bank oversight in exchange for the lending, Lacker said there's a case for ''scaling back'' the

的警告。当其他的管理者关注于加强对投资银行的监督来作为贷款的交换时，Lacker说有一种情况可以削

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。