贷款结构

论商业银行贷款结构安排与管理

On Commercial Bank Loan Structure Arrangement Management

贷款结构视角下我国货币政策信贷传导机制的有效性

Effectiveness of Credit Transmission Mechanism of Monetary Policy in China from the Loan Structure Perspective

利用离岸信托贷款结构防范海外项目的投资风险

Use the Offshore Trustee Borrowing Structure to Minimise the Investment Risk of the Overseas Projects On Trust

从调整贷款结构、完善贷款程序等几个方面阐述了四大国有商业银行防范信贷风险的方法和措施。

This paper elaborates the methods and measures that four giant state-owned commercial banks keep away from the credit risks from adjusting loan structure and perfecting loan program .

鉴于本文研究重点，本部分首先确定了金融结构的表现形态，即金融产业结构、金融市场发展及融资结构、贷款结构。

Considering the focus of this study , the manifestation of financial structure is determined first , which includes the structure of financial industry , development of financial market , the financing structure and loan structure .

信用风险管理方面，摩根大通在其业务组合管理中，通过其限制性结构和基层结构，利用多元化的信用分布和贷款结构，来管理批发业务和行业内的集中情况。

As for credit risk management , in portfolio management , under its restrictive structure and infrastructure , JP Morgan applies a wide range of credit distribution and loan structures to manage industry concentration and wholesale business that are under single titles .

因此，加强中小企业信贷研究，调整银行贷款结构，提高中小企业贷款比重，对银行业务的健康发展以及缓解中小企业解决融资难的困境，都是非常紧迫的任务。

Therefore , strengthening credit research of SMEs , adjusting the structure of bank loans and increasing the proportion of the SMEs loan are very urgent topics , regardless of the healthy development of bank business and the coping with the problem of difficultly financing .

尽管各大金融机构积极响应，及时调整贷款结构，创新信贷方式，推出适合小企业的贷款品种，加大中小企业贷款力度，中小企业获得银行贷款的难度依然很大。

Although the major financial institutions to respond positively to the timely adjustment of loan structure , innovation on credit , the introduction of the varieties of loans for small businesses to increase loans to SMEs , the difficulty of access to bank loans to SMEs is still great .

本部分从金融产业结构、金融市场发展及融资结构、贷款结构三方面，对山东省金融结构演进如何影响经济增长进行实证检验。

Specifically , how the evolution of financial structure exerted effects on the economic growth in Shandong Province will be empirically verified from the following three aspects : the structure of financial industry , the development of financial market as well as the financing structure and the loan structure .

住房抵押贷款还贷结构设计目前住房金融业存在的问题与对策

The structural design for ways of clearing off housing mortgage loan Problems in Housing Finance and Solutions

由于证券化抵押贷款的结构，这种风险有可能会引发一场全球金融危机。

Because of the structure of securitised mortgage finance , this risk has the potential to cause a global financial crisis .

这项框架统一了适用于所有一系列手段的政策，其中包括部门调整贷款、结构调整贷款以及减贫支持信贷。

The framework unifies policy that applies to a whole range of instruments , including sectoral adjustment loans , structural adjustment loans and poverty reduction support credits .

激励的强度、贷款的结构、农户贷款方式的选择和主任的更换频率这些治理变量对信用社的不良贷款都会产生影响。

Governance variables such as incentive , loan structure , types of household loans and the frequency of replacement of RCC directors have impact on RCC non-performing loans .

并且利用该破产模型推导出单一贷款额结构和多个贷款额结构下的破产概率及其递归公式。

Using this model , we derive the ruin probabilities and their recursive equations for the class with single loan amount and the class with multiple loan amounts .

银行在经营中的一项重要决策，就是对贷款组合结构进行优化，以持有一个具有尽可能高的收益率和尽可能小的风险的贷款组合。

One important decision of bank management is to optimize the loan portfolio structure so as to hold a loan portfolio with possible highest yield and relevant lowest risk .

继续推进金融体制改革，特别注意贷款投向结构问题，提升金融发展对技术效率的推动作用。

Third , it is necessary to push forward the financial reform continually , especially the structure of loans investment so as to enhance the promoting effect to the technical efficiency .

二是贷款投向结构，包括地区投向结构、产业投向结构和部门投向结构；注重结构细分，遵循多样化原则。

Second , the loans structure should be optimized , including the region , the industry and the department to invest in the structure , focusing on structural subdivision , following the principle of diversification .

坏银行的职责是重新调整这些贷款的结构，重新打包，以尽可能收回原始资金，方式一般是出售或拍卖作为抵押品的资产。

The bad banks ' job was to restructure and repackage the loans to try to recover as much of the original outlay as possible , often through sales or auctions of assets held as collateral .

结果表明：上海上市公司的银行债权融资水平与公司绩效负相关，银行贷款期限结构中短期贷款和长期贷款对公司绩效均成负向关系，银行债权没有起到促进公司绩效的效应。

It is shown that there is a negative correlation between the level of bank debt financing of shanghai public companies and company performances , a negative correlation between companies short-term loans and long-term loans and company performances , thus bank credit fails to promote company performances .

商业银行遵循风险与收益相平衡的基本原则，通过动态管理调整内部资金转移价格和业务指导利率，引导银行存、贷款期限结构和重定价结构的优化调整。

Commercial banks to comply with the " risk and return balance ," the basic principles , through the adjustment of dynamic management of internal funds transfer pricing and operational guidance , interest rates , lead bank deposits , loans and re-pricing structure , maturity structure of the optimal adjustment .

在住房抵押贷款证券化结构中，存在着一系列的系统与非系统风险。

There are systems and non-systems risks in ABS / MBS structures .

选择不同债务期限结构的企业，传递了不同的申贷项目的质量，而银行可以根据这一情况，根据企业贷款的期限结构对申贷项目的质量进行甄别。

The firm with different quality project would choose different debt maturity structure .

中国农业利用世界银行贷款规模、结构、效益及影响因素分析

The Analysis on Investment Scale , Structure , Benefit and Impact Factors of the World Bank Agricultural Loan Projects in China

而通过使用由定量金融专家制定的模型和数学原理，银行就可以调整抵押贷款组合的结构，确保针对投资者发行不同风险的债券。

And by using the modelling and maths being cranked out by quants , banks were able to tailor the structure of mortgage portfolios to ensure that bonds of varying risks could be issued to investors .

为了解决目前我国房地产融资主要依赖银行贷款、融资结构不合理、融资体系不健全等问题，我国房地产企业、政府部门以及金融机构都应采取相应措施。

In order to solve the problems of irrational financing structure and the distemperedness of financing systems and high dependency on bank loans , the real state enterprises and the government organs and the financial institution should take some measures .

但与此同时也出现了房地产融资主要依靠银行贷款、融资结构不合理等问题，这对我国房地产企业、金融体系以及我国宏观经济都有十分不利的影响。

However , it also met some problems , such as the real estate financing were mainly financed by bank loans and the financing structure was irrational and so on . These make adverse effects to Real Estate Industry and financial industry and national economy in China .

具体而言，增量的调整表现在，一是优化贷款的期限结构，一般而言，贷款期限越长，周转速度则越慢，流动性越差，受宏观经济不确定性冲击的风险就越大。

To be specific , first , the duration of the loan structure should be optimized . In general , the longer the loan period is , the slower the turnover rate is , and the worse the mobility is , the more risk of uncertainty of the macroeconomic is .

BP表示：这种融资形式为BP提供了更多的灵活性，作为更传统的债务融资（如企业贷款或项目融资结构）之外适当场合的另一种融资形式。

This form of financing creates further flexibility for BP as an alternative form of financing in addition to its more conventional debt financing such as corporate lending or project finance structures where appropriate , BP said .

其次，文章提出应稳定现有融资方式，并从积极争取财政资金投入稳定银行贷款和改善贷款结构、积极推进BOT融资方式等方面就其理由和做法进行了具体论述。

Secondly , the paper recommends stabilizing current financing modes , actively seeking input of financial funds , stabilizing bank loans and improving loan structure , and promoting BOT financing .

银行不良贷款违约损失率结构特征研究

Study on Structural Characteristics of Lgd on Bank Nonperforming Loans