银行贷款

In his book,"The Age of Turbulence"(2007),he welcomed the growth of CDSs, arguing: Being able to profit from the loan transaction but transfer credit risk is a boon to banks and other financial intermediaries which, in order to make an adequate rate of return on equity, have to heavily leverage their balance sheets by accepting deposit obligations and/or incurring debt.

在他名为"动荡年月"（2007）的书中，他称赞CDS合同的成长，并写道：能够从贷款交易中获利，但是将信贷风险转移出去，这对银行及其他金融媒介来讲是个恩惠，而原来他们为了得到适当资产回报，则要在其资产平衡表中大量使用杠杆操作，即接受存款责任，并产生债务。

Article 12 Commercial banks should explain in their notes to the accounting report the important policy of accounting and accounting estimates, including: Accounting standards, accounting year, reporting currency, accounting basis and valuation principles; Type and scope of loans; Accounting rules for investment; Scope and method of provisions against asset losses; Principle and method of income recognition; Valuation method for financial derivatives; Conversion method for foreign currency business and accounting report; Preparation method for consolidated accounting report; Valuation and depreciation method for fixed assets; Valuation method and amortization policy for intangible assets; Amortization policy for long-term deferred expenses; Accounting practice for income tax.

第十二条商业银行应在会计报表附注中说明本行的重要会计政策和会计估计，包括：会计报表编制所依据的会计准则、会计年度、记账本位币、记账基础和计价原则；贷款的种类和范围；投资核算方法；计提各项资产减值准备的范围和方法；收入确认原则和方法；衍生金融工具的计价方法；外币业务和报表折算方法；合并会计报表的编制方法；固定资产计价和折旧方法；无形资产计价及摊销政策；长期待摊费用的摊销政策；所得税的会计处理方法等。

Under the open economy condition, the central bank determines the base money through the rediscount, loans, purchasing securities and foreign exchange and so on.

在开放经济条件下，中央银行的基础货币通过再贴现，贷款，购买债券和外汇等来决定。

The author puts up comparative analysis on the rediscount rates, deposit rates, interest rates of treasury, lending rates, inter-bank lending rates, etc between China and U.S..

作者对中美的再贴现利率、存款利率和国库券利率、两国的贷款利率、银行间拆借利率分成三部分进行了实证比较分析，并着重以存款利率和国债利率为例，对两国的利率期限结构进行了比较。

World Bank loan to help rehabilitate the finances of a public enterprise.

指世界银行帮助某一公共企业财政恢复的贷款。

Loan buyers can enjoy two different repayment methods, this is the People's Bank of China Law.

贷款买家可以享受两种不同的还款方式，这是中国人民银行的中国法律。

After all, if they defaulted on their loans, the banks would repossess the house at a higher value.

毕竟，如果他们托欠了贷款，银行就会以更高的价格收回房子。

The house was in default and the bank will repossess it.

房子拖欠贷款，银行会将其回收。

As a co-op we were unable to obtain bank financing, so we started a Community Revolving Loan Fund, where about 20 friends and supporters donated and lent us the money to buy the property.

作为生活合作社，我们不能获得银行支持，所以我们启动了一项社区循环贷款基金，由20位朋友和支持者捐赠和借给我们这些钱来买财产。

However, we should not exaggerate the function of loan risk classification management.

首先，有些银行缺乏实行贷款风险分类的必要条件。

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。