After providing loans , commercial bank can also control credit risk through adjusting credit policy based on the change of the borrower ' s credit assessment 在贷款过程中，根据客户信用水平的变化，相应地调整对该客户的信贷政策，能够有效地控制风险。
Difficulties arose in measuring the real interest rate , the real effective exchange rate , and credit stance , as well as in estimating the relative weights of the component variables 当中困难在于如何量度实质利率实质有效汇率及信贷政策的松紧度，以及如何估算各组成变数的相对权数。
While the process of citilization and housing system reform are deepening , some industrial policies and credit policies have been carried out to support the development of real estate industry 近几年来,随着我国城市化进程和城镇住房制度改革的不断深入,国家出台了多项支持房地产发展的产业政策和信贷政策。
In the second part , the author analyzes the demand of credit and the asymmetry of credit supply , and further points out that the credit transmission is lack of efficiency in nowadays china 在我国,由于金融市场运行不完善,信息不对称,使信贷渠道产生的前提条件或多或少的存在。改革开放以前,我国只有信贷政策而没有其他形式的货币政策。
Mr . augustine chu , chairman , sino golf holdings noted , " the restructuring of an overseas customer last year is an isolated case , but we have already tightened our credit policy further to enhance the quality of our customer portfolio 顺控股有限公司主席朱振民指出：集团上年度面对的问题属单一事件，集团已采取更审慎的信贷政策，提升客户质素。
Mr . augustine chu , chairman , sino golf holdings noted , " the restructuring of an overseas customer last year is an isolated case , but we have already tightened our credit policy further to enhance the quality of our customer portfolio 顺龙控股有限公司主席朱振民指出：集团上年度面对的问题属单一事件，集团已采取更审慎的信贷政策，提升客户质素。
In line with the views expressed by smes regarding banks credit policies , the banks interviewed acknowledged that they had adopted a more conservative lending stance toward smes than toward large companies because of a number of unfavourable characteristics of the sme loan market 受访银行也承认对中小企业的贷款政策较对大型公司的保守，与中小企业就银行信贷政策表达意见相符。
These include , among other things , the establishment of asset management companies to carve out the bad assets inherited from the days of policy lending . they also include the full introduction of commercial principles and market - based credit policies , and improvements in accounting standards 改革项目包括成立资产管理公司，以处理过去政策贷款遗留下来的坏资产，还有全面引入商业原则和以市场为本的信贷政策，并改进会计标准。
Specifically , we have in june this year written to the authorized institutions under our supervision that are active in credit card business and recommended that they critically review their policies and practices on credit card lending to see whether they remain appropriate in the current market environment 具体上，我们今年6月曾致函活跃于信用卡业务的认可机构，建议它们审慎检讨信用卡的信贷政策及经营手法，以能配合当前的市场环境。
Prior to his employment with us , mr . tsang held key positions in finance and treasury at multinational corporations such as basf and hoechst . prior to that , he worked in global commercial banks in the united states and held managerial positions in merchant banking and corporate finance , credit policy , credit risk rating as well as strategic planning 加入本集团之前，曾先生曾在basf及赫斯特等跨国企业担任财务及资金管理要职，早前亦曾在美国的国际商业银行担任管理要务，参与商业银行企业融资信贷政策信贷风险评级和策略性规划工作。
