批发贷款

总体而言，过去5年，批发贷款复合年增长率为18%，接近分析师开始担心的水平。

Overall , the wholesale loan book grew at a compound annual rate of 18 per cent in the past five years , close to the level where analysts begin to worry .

当前我国提供汽车金融服务的主体主要是商业银行，但是我国商业银行规模庞大，代理链长，其优势体现在批发贷款方面，对于汽车消费的零售贷款，银行获取客户信息的能力较弱。

The primarily automobile financial institution is the state commercial bank , but the scale of the bank is so big that when come to providing retail loan of automobile consumption , the ability to obtain consumers ' information is weak .

分散经营模式下的业务流程尚带有强烈的批发型贷款业务流程的烙印，尚不是真正意义上的个人住房贷款业务流程。

The business process of decentralization was not the real business process of personal housing loan for it bore the stamp of wholesale loan business process .

NorthernRock也同样如此。这家专业的住房贷款银行通过向批发市场出售贷款，节省了向公众吸纳存款的成本。

The same is true of Northern Rock , a specialised housing lender that saved itself the cost of raising deposits from the public by selling its loans into the wholesale market .

金融机构和政府需要在无烟房间共同进行密谈，目标在于采取必要的行动，以实现批发和零售贷款的协调扩张。

The financial institutions and the authorities need collective huddles in smoke-free rooms , with the goal of agreeing on actions necessary to attain a co-ordinated expansion of wholesale and retail lending .

按经济用途分析，部分原因是按揭贷款以及批发及零售业贷款均告减少，其中批发及零售业贷款减少反映消费需求疲弱。

An analysis by economic use reveals that this was in part attributable to decreases in loans for mortgages ; and wholesale and retail trade , reflecting the weak consumer demand .