Influenced by the low interest rates , which helped reduce the debt servicing burden , together with write - offs and the disposal of problem loans by some banks , the overall asset quality of banks continued to improve in 2002 由于利率低企有助减轻供款负担，加上部分银行进行撇帐及出售问题贷款，所以银行的整体资产质素在2002年继续改善。
" what seems required at this stage therefore is that authorised institutions should strictly apply existing criteria , including those in respect of loan to value ratios , " top - up " loans , and debt servicing ratios , " mr carse continued 简达恒指出：现阶段认可机构应严格遵守现行的贷款准则，包括按揭成数补足贷款以及偿债券即还款与入息比率等。
The series of interest rate cuts during the year served to make debt servicing more affordable , thereby helping to protect asset quality . however , the cuts failed to stimulate domestic loan demand , which remained weak 2001年内连串的减息，提高了借款人的还款能力，有助保障资产质素。然而，减息未能对本地贷款产生刺激作用，贷款需求仍然疲弱。
If the debt - to - income ratio of a borrower is fairly low and if the debt servicing record is good , the risk involved , it can certainly be argued , is not significantly higher than that for a mortgage that complies with all the guidelines 若还款人的供款与入息比率偏低，还款记录良好，相信有关贷款所涉及的风险不会显著多于另一笔完全遵守所有指引的按揭贷款。
The paper further noted that shifts in credit conditions and debt service burden play a significant role in predicting consumption in the short term . but the availability of consumer credit did not appear to be statistically significant 文件又指出，信贷状况及还款负担的改变对预测短期消费方面有重要影响，但消费信贷的提供在统计分析上则似乎没有显示重大意义。
" although president florentino perez ' s strategy of recruiting world - class galactico players has not necessarily delivered the anticipated on - pitch results recently , their presence has facilitated a transformation in the club ' s financial performance , " the european money league report read yesterday when it was released by the business advisory company , deloitte . during the past 12 months united ' s revenues have fallen from ? 171 . 5m to ? 166 . 4m , indicating the extent of the challenge for the glazer family whose leveraged takeover requires significant outlay in debt service 对于皇马在商业方面的成功，德勒会计公司在其发布的题为“欧洲金钱联赛”的报告中是这样描述的，虽然皇马俱乐部主席佩雷斯打造“银河战舰”的战略并没有为皇马在赛场上带来明显的预期效果，但众多世界级球星的加盟却帮助俱乐部在商业方面获得巨大成功。
This is due to a combination of factors , including : continued repayments of the loans by homeowners under the prevailing low interest rate environment , which has made debt servicing easier ; pay - downs by customers who sought refinancing with other banks ; and partial repayments by homeowners to obtain restructuring at lower interest rates 这种情况是由不同因素引致，其中包括持续的低利率令供款变得比较轻松，业主因此能够继续还款客户向其他银行寻求转按而偿还部分本金，以及业主为求以较低利率重组贷款而偿还部分款项。
The three main conclusions are drawn : ( i ) by choosing 19 financial indexes , this paper makes a demonstrative analysis of the annals data of the listed companies in henan province in 2004 via factor analysis method , and finds out five principle factors which have important modifying effect on the evaluation of achievements of the listed companies . they are profit factor which represents the reward structure of the listed companies , the gained profit factor which represents the profitability of the companies , the debt service factor which represents solvency of the company , the management factor which represents the managed capacity of the companies and the development factor which represents the capacity for development . each principle factor multiplying its corresponding variance contribute rate get the synthesis score of each company respectively , consequently this paper makes an comprehensive evaluation of each company 主要得出以下三个结论: (一) 、选取19个财务指标,用因子分析法对2004年河南省上市公司年报数据进行实证分析,找出对上市公司业绩评价有重要影响的五个主因子,分别是代表上市公司利润构成的利润因子、代表公司获利能力的获利因子、代表公司偿债能力的偿债因子、代表公司经营能力的经营因子和代表公司发展能力的发展因子,综合各个主因子得分乘以他们相应的方差贡献率,得到各个公司的综合得分,从而对各个公司的优劣作出一个综合评价。
Seen from the transaction course of the financial leasing , it is characterized as long term of performance ( the term of lease ) , non - currency of the leased equipment , the lessee ' s possession of the equipment during the whole leasing period , and whether the lessor ' s obligatory right of rentals will be realized entirely depends on the credit and debt servicing ability of the lessee . therefore , among the three parties of the financial leasing , the rights of the lessor are most easily injuried 从融资租赁的交易过程来看，融资租赁具有合同履行期限(租期)较长、承租人在整个租期内占有租赁物、租赁物为承租人专用而不具备通用性、出租人租金债权的实现与否究全依赖于承租人的信用和偿债能力等特点，因此，出租人在融资租赁交易三方当事人中的权益最易受到损害。
