个人贷款

• Citigroup expects to post a 0m fourth - quarter loss in its janpanese consumer finance business and will shut down 80 percent of its consumer finance branches in the country in response to a forecast decline in profitability due to new government limits on lending rates
  花旗集团预期宣布第四季度在日本的个人贷款业务将有3亿7千万美元的损失，因预计日本新政府在贷款利率上的限制会引起利润下降，花旗集团还将关闭在日本的80的个人贷款分支机构。
• The database is currently holding information of 14 million credit accounts from 3 . 5 million consumers . if you are a credit card holder , or you have a car under leasinghire purchase , or a personal loan , your information should have been retained in our database
  现时，环联资料库已储存大约一千四百万个信贷纪录，相等于三百五十万名消费者。若阁下是持信用卡人士，或以分期付款方式购买车辆或持有个人贷款，则该项信贷资料已储存至环联资料库。
• At present the usage of the fund throughout china is at large with low efficiency . the individual loan ratio ( the balance proportion of individual loan over total ) is on the low side with few procurement of national debt . a large amount of fund is deposited in the special account of the consignment bank without intelligent use
  目前就全国范围而言,住房公积金的使用效率普遍不高,住房公积金个贷率(个人贷款余额占归集余额的比例)偏低,国债购买量较少,大量资金沉淀在委托银行专户未合理使用。
• The author demonstrates that the organization should use " debit certificate " and allow the bank to exert part of " debit counteract rights " in order to avoid venture , while the individual should establish system of loan insurance , bank answering for the loss and state answering for the loss
  本文认为机构教育贷款法律研究的重点在于教育机构的贷款权以及银行是否能行使“贷款抵消权”以防范贷款风险；个人教育贷款法律研究的重点在于制定和完善鼓励、扩大个人贷款及风险防范的法律法规。
• Inquiry can be made through the personal credit information database only with the authorization in writing by the person involved when personal loan application or credit card application is being reviewed , offer of guarantee by an individual assessed , or personal loan or credit card monitored for credit risks on a continued basis
  建立个人信用信息基础数据库既要实现商业银行之间信息共享，方便群众借贷，防范信贷风险；又要保护个人隐私和信息安全，只能经当事人书面授权，在审核个人贷款、信用卡申请或审核是否接受个人作为担保人等个人信贷业务，以及对已发放的个人贷款及信用卡进行信用风险跟踪管理，才能查询个人信用信息基础数据库。
• At first , this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system , and established the system of personal credit evaluate ; the second , the thesis discusses the investment technique and strategy of national debt in the provident fund , and established the model about how to invest the national debt ; the third , the thesis build the forecast model about fund collecting and drawing , and make use of the combination invest theories to build model of individual loan and national debt ; at last , the thesis analyses the risk ' s inside reason of house funds with the risk type , and to give out the related suggestion to funds risk . mechanism . the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds
  本文首先分析了个人住房贷款制度基本要素，即贷款期限、贷款利率与抵押物价值的比例、政府在个人住房贷款市场中的作用、贷款违约情况下的处置措施、个人住房贷款的流动性问题，并对中外制度作了比较，建立了个人信用评分评级体系和信用评估模型，并以重庆市住房公积金为研究对象做出了住房资金个贷风险评估的实证研究；其次，分析了影响国债价格走势的因素，讨论了公积金国债的投资技巧和策略，并建立了基于理论的国债投资组合模型；接下来，根据资产负债管理理论中的资金总库法和资金分配法分析了公积金总体资金项目的来源和运用，并就此作了总量平衡模型，对住房公积金季度累计归集金额作了直线回归和季节趋势比率预测，运用投资组合理论建立了公积金个人贷款和国债投资组合的最优化模型；最后，探析了住房资金风险的内在原因和风险类型，从资金筹集风险、信贷回归风险、保险机制、法律风险和政策风险五个方面为住房资金风险防范机制建设提出了相关建议。
• The purpose of setting up a housing accumulation fund is to solve the workers " housing problems . refers to the policy , the usage of the fund is limited to extend credit to individual housing loan and to procure national debt besides individual withdrawals . therefore return maximization of the housing accumulation fund by individual housing loan and national debt investment is very important to ensure the long - term safe operation and inflation - proofing and appreciation of the fund
  由于公积金建立的主要目的是为了解决职工的住房问题,政策规定住房公积金的使用除满足职工的提取外,仅限于住房公积金个人贷款和购买国债,因此,在适当防范和规避风险的基础上,通过个人住房贷款和国债投资实现公积金的收益最大化对保证公积金长期安全运作和保值增值具有重要意义。
• This reflects a number of factors , including the tightening of lending policies , contraction in consumer spending during the quarter , particularly in march following the outbreak of sars , and the transfer of restructured card receivables from the card portfolio to other loan accounts such as personal loan accounts by some institutions
  应收帐款总额减少是由多个原因造成，包括认可机构收紧贷款政策客户在季内减少消费，特别是在月份继非典型肺炎爆发后情况更为明显，以及部分机构把经重组信用卡应收帐款转为其他贷款帐户例如个人贷款帐。
• With competition sharply reducing the margins on residential mortgage lending , and little loan demand from the corporate sector , banks turned increasingly to other types of consumer lending , such as credit card business , personal loans and wealth management products to provide some asset growth and broaden income sources
  竞争令住宅按揭贷款息差大幅收窄，与此同时，商业机构的贷款需求疲弱，因此银行都转向推广其他类型的消费贷款业务，例如信用卡业务、个人贷款及财富管理产品，以争取资产增长及扩阔收入来源。