credit losses

Different Approaches to Estimating Credit Losses

预估信用损失的不同方法

The procedures above describe the balance sheet approach to estimating and recording credit losses .

以上步骤介绍了资产负债表法对信用损失的预估和记录。

In reality , banks offset credit losses over time with earnings .

事实上，银行会逐渐以收益抵销信贷损失。

Higher provisions for credit losses have also eaten up profits recently .

加大信贷损失拨备也影响了最近的利润。

Surely the credit losses cannot keep getting bigger ?

信贷亏损肯定不会继续扩大吗？

Net credit losses fell by 37 % .

花旗的净资产损失也下降了37%。

But recently , new credit losses have started to emerge as debt values have fallen .

但最近，随着债券价值缩水，新的信贷亏损开始出现。

As JPMorgan 's results revealed , the US banking system still has to process a lot of consumer credit losses .

首先，正如摩根大通的业绩所显示的，美国银行体系仍须消化大量消费者信贷亏损。

However , that cannot address the root cause of investor fear : the rising credit losses and uncertainty .

然而，它们不可能解决投资者恐惧的根本原因：不断上升的信贷亏损和不确定性。

Monthly estimates of credit losses

信用损失的每月预估

The overall credit losses are likely to be close to a staggering $ 2000bn .

信贷亏损总额可能接近惊人的2万亿美元。

First , the longer the banking woes last the greater the damage to the real economy which could produce more credit losses .

首先，银行业困境持续的时间越长，对实体经济的影响就越严重，从而可能形成更多信贷亏损。

Even so , Tribune is a reminder that the downturn could bring greater credit losses than ever before .

即使高于估计，Tribune的案例也提醒人们，这次衰退可能导致比以往更大的信用损失。

He sits hunched in his corner , drained by credit losses and a wounded business model .

他蜷缩在自己的角落里，被信贷损失和千疮百孔的商业模型掏空了。

Managers were handsomely paid for transactions that produced upfront fees , but later resulted in huge credit losses .

高管们因那些产生前期费用的交易获得了不菲的报酬，但后来这些交易却导致了巨额信贷亏损。

The estimated expense of credit losses is charged to the Uncollectible Accounts Expense account at the end of each accounting period .

预估的信用损失在每个会计期末才结转到坏账损失账户。

This creates a boundary both on the level of fraud and credit losses it can sustain and ( more importantly ) on its pricing .

由此带来如何降低欺诈和信用损失水平和如何定价的问题。

Nevertheless , as long as investors remain so uncertain about who is now holding the current credit losses , fear will remain the dominant theme of the day .

不过，只要投资者仍不确定现在谁来承担目前的信贷损失，恐惧心理就仍将是当前的主题。

It emerged that the US government has agreed to take on any credit losses suffered by the Fed on its $ 30bn loan to Bear Stearns .

目前看来，美国政府已同意承担因美联储贷款300亿美元给贝尔斯登而连带产生的任何信用损失。

The scheme should help clarify the degree to which current depressed prices of traded securities reflects liquidity risk premium absence of financing as opposed to expected credit losses .

该计划应有助于说明被交易证券目前被压低的价格在多大程度上反映了相对于预期信贷损失的流动性风险溢价融资渠道的匮乏。

And unlike the pension funds which were exposed to mortgage-backed securities in 2006 , for example , the banks and hedge funds understand the dangers of credit losses .

比如，与在2006年存在抵押贷款支持证券相关敞口的养老基金不同，银行和对冲基金知道信贷损失的危险。

Shares of the bank , which had a $ 24bn allowance for credit losses at the end of last year , rose more than 5 per cent in after-hours trading .

去年底，摩根大通针对信贷亏损的准备金有240亿美元。该行股价在昨日盘后交易中上涨逾5%。

Investment banks on Wall Street have been battered by mortgage and credit losses and , with the US economy teetering on the edge of recession , many have resorted to layoffs .

华尔街的投资银行遭遇抵押贷款和信贷损失的冲击，同时，由于美国经济行将步入衰退，因此，许多投行已经开始裁员。

Howard Atkins , Wells ' finance chief , said that Wells had predicted consumer credit losses would peak in the first half of this year but recent results suggested they might start falling before then .

富国银行首席财务官霍华德阿特金斯（HowardAtkins）表示，该行此前预测，消费者信贷损失将在今年上半年见顶，但最近的数据显示，它们可能在这之前就开始下降。

The Fed chairman added that " global financial losses have far exceeded even the most pessimistic estimates of the credit losses on these loans " , and the situation " has created significant market stress " .

伯南克补充表示，“全球金融市场的损失，甚至远超人们对这些贷款损失的最悲观估计”，这种局面“对市场产生了巨大压力”。

The stress scenario must have absolutely murdered these , although in reality retail credit losses in Asia , and in Europe , the Middle East and Africa , are lower or in line with North America .

在假设的压力情境下，这些贷款必定会损失殆尽，尽管在现实中，与北美相比，亚洲、欧洲、中东和非洲的零售贷款损失率更低或者持平。

Although this episode appears to have been triggered largely by heightened concerns about subprime mortgages , global financial losses have far exceeded even the most pessimistic projections of credit losses on those loans .

尽管此次事件似乎主要是由次级抵押贷款领域担忧加剧的引发，但全球的金融损失已经远远超出对这些贷款哪怕是最为悲观的预测。

And this year , the bonuses of most bankers will have little to do with merit and everything to do with the very steep credit losses incurred by a handful of their senior colleagues .

今年，大多数银行家的奖金跟他们自身的功劳都不会有什么关系，而与他们一些高层同事所造成的严重信贷损失的程度密切挂钩。

Life insurance industry has specific vulnerability and sensitivity of financial industry in operation , the change of objective environment , making mistakes in decision , Mismanagement etc. All can make its assets , credit losses , even trigger the financial crisis .

寿险业在经营上具有金融行业特有的脆弱性和敏感性，客观环境变化、决策失误、经营不善等原因，均有可能使其资产、信誉遭受损失，甚至引发财务危机。

Citi , which has been bailed out with $ 45bn of US taxpayers ' money , has suffered a total of more than $ 42bn in credit losses since the beginning of 2008 .

花旗此前接受了450亿美元纳税人资金的纾困，自2008年以来，该行的信贷亏损总额超过420亿美元。