银行信贷

Severe austerity macro policy seems to reduce the high debt ratio of a feasible solution, but also dealt a blow to the highest quality of bank credit operations: Personal credit markets will reduce or shrink the real estate market and the automotive market may be under attack, we seem to to enter the other extreme - deflation.

严重的紧缩宏观政策似乎降低高负债率的一个可行的解决办法，而且也打击了最优质的银行信贷业务：个人信贷市场将会减少或缩小房地产市场和汽车市场可能会受到攻击，我们似乎进入了另一个极端-通缩。

For the residential market, select the overall quality of high brand, market and competitive advantages of real estate; affordable housing market in spite of low income, but low-risk, major support by the government, you can choose to intervene;商用房office market and the market , basic over-supply, and market volatility, and need to be treated with caution; land bank credit institutions, in strict accordance with the provisions of the ratio of the central bank issued, and we should focus on support for business space, from merit-based election, the closure operation, the whole track, strengthen monitoring, careful operation, agencies involved in land reserve land planning, acquisition, demolition, sorting, and development and the entire process of auction, the auction to ensure that the priority for return of funds to repay bank loans; second-hand housing market, relatively mature areas of concern; actively involved in national and regional development and construction projects, the focus of the market.

对于住宅市场，选择的整体素质较高的品牌，市场和竞争优势的房地产；负担得起的住房市场，尽管收入低，但低风险的，主要由政府支持，您可以选择进行干预；商用房办公室市场和市场的基本供应过剩，而市场的波动，需要谨慎对待；土地银行信贷机构，严格按照规定的比例，中央银行发行，我们应把重点放在支持商业空间，从任人唯贤的选举，关闭操作，整个轨道，加强监测，认真操作，机构参与的土地储备的土地规划，收购，拆卸，整理，开发和全过程的拍卖，拍卖，以确保优先为返回的资金，偿还银行贷款，二手房市场，比较成熟的关切领域；积极参与国家和区域发展和建设项目，市场关注的焦点。

What more serious is that, such moral risk will take negative effect to the interest of whole society.

更为严重的是，商业银行信贷业务道德风险还会通过信贷业务对整个社会的利益产生负面作用。

While we do not think that such rapid credit expansion is sustainable throughout the year (see China Economics: Recent Rapid Bank Credit Expansion Not Sustainable, February 2, 2009), the heavily front-loaded policy response of 'crisis-management' style to supporting growth has helped effectively shore up the confidence of private investors and households and reflate the asset markets, in our view.

尽管还不清楚这种快速的信贷扩张是否可以持续整年（参见&中国经济：近来的银行信贷扩张不可持续&，2009年2月2日），但是在我们看来，这种为了&危机处理&而采取的预支政策已经有效的提升了私人和家族投资者的信心，同时还向资产市场中注入了更多的流动性。

The commercial bank credit risk and accountant guard against the countermeasure to include: Strengthens supervises to bank letter goods property accountant, urges the letter goods property security transport business, the establishment special subject, strengthens to the bank asset risk condition reflection; From an accounting point of the building to guard against financial risks control security systems, strictly implement the accounting system, to prevent the direct generation in the accounting department of risk.

商业银行信贷风险及其会计防范对策包括：加强对银行信货资产的会计监督，促使信货资产安全营运，设置专门科目，加强对银行资产风险状况的反映；从会计角度构建防范金融风险的控制保障系统，严格执行会计制度，防范直接生成于会计部门的风险。

The capital adequacy supervision to commercial banks is becoming the core instrument in banking supervision mechanisms in order to provide a cushion for capital loss and protect the security of financial system.

对银行的资本充足率监管正逐渐发展成为银行监管的核心。按照新巴塞尔协议调整后的我国资本充足率计算和监管将会影响银行信贷选择的风险偏好和行为，并对经济产生值得关注的效应。

Tackling the problems in bank C's credit approver performance management, considering the daily work practice, this thesis reconstruct employees'KPI index system on the basis of Balanced Scorecard model, and work out a new performance management project which should be more suitable for credit approvers: the"360 degree matrix"project. Processed-based performance management is introduced; therefore the whole implementation process, including Performance Planning, Performance Communication and Guidance, Performance Appraisal and Performance Feedbacks, is described as a complete performance solution.

本文针对C银行信贷审批人员绩效管理中存在的问题，结合日常工作的实际情况，运用平衡计分卡的模式重新构建了员工的KPI指标体系，设计出更适合信贷审批人员的&360度矩阵&绩效管理方案，通过引入过程化的绩效管理，描述了绩效计划、绩效沟通和辅导、绩效考核、绩效结果反馈和运用的整个实施过程，从而提供了一整套较为完整的绩效管理解决方案。

The reasons that China's listed companies waste the bank loan's reducing risk mechanism are separation of floating and non-floating shares, the weakness of bank credit management and the weakness of the relationship between bank and borrower's management and board of directors.

我国的上市公司之所以浪费银行借款这一具有风险缓解特征的治理机制，主要是由于股权分置、银行信贷管理的缺陷、银行与公司管理层及董事会的关系上的缺陷所导致。

Analysis pointed out that two-thirds of bond funds from the banks, while banks in the course of the economic downturn is an inevitable credit crunch choice, therefore increasing investment in bonds is the optimal choice of banks, money supply without worrying about the bond market.

杨贵宾分析指出，三分之二的债券资金从银行，而在经济不景气的过程是必然的银行信贷紧缩的选择因此，增加债券投资，是银行的最佳选择，货币供应量没有对债券市场的担忧。

Naturally we make use of various of bank credit and commercial.

我们当然是利用各种银行信贷和商业信贷。

Since historical times,England ,where the early inhabitants were Celts, has been conquered three times .

从有历史以来，英国，在此地早期居住的是凯尔特人，已经被征服了三次。

Bluetooth OBEX File Transfer Enables the sending and receiving of files on your phone via Bluetooth.

蓝牙OBEX文件移动允许经过蓝牙传送和接受文件。。。。