In the balance sheet , cash is listed first among the current as ? sets , because it is the most current and liquid of all assets and the banker , credit manager , or investor who studies a balance sheet critically is always interested in the total amount of cash as compared with other balance sheet items , such as accounts payable 现金在资产负债表中位于流动资产之首，因为他流动性最强，因此银行家，信贷管理者和投资人总是更关心资产负债表上的现金额而不是应付款项。
After the treasury department published new performance evaluation index system , which is an important economy management task , enterprise performance evaluation will be used widely in the fields of enterprise benefit evaluation , manager performance evaluation , personnel assessing , finance credit management , and enterprise management diagnosis , etc . but it exists a general limitation in all study result - information of performance evaluation ca n ' t satisfy all information - users " needs 随着财政部企业效绩评价制度的出台，企业效绩评价作为一项重要的经济管理工作，将在我国企业效益评价、企业经营者业绩评估、企业人事考核、金融信贷管理、企业管理诊断等方面广泛运用。但纵观国内外关于企业效绩评价的研究成果，存在着一个普遍的缺陷就是效绩评价信息难以满足不同信息使用者的需要。
To establish a standardised credit evaluation system for the purpose of evaluating the clients " credit risks in a standardised way ; 2 . to establish a systematic credit approval system for the purpose of improving the credit approval procedures so that there can be a better balance between the credit risk and the relevant income ; 3 . to establish an effective approved credit management system for the purpose of monitoring the approved credit so that unacceptable credit risk can be detected and prevented 根据笔者多年的信贷实践和借鉴国外先进银行同业的经验，要建立健全有效的信贷管理机制，其核心应包括三方面的内容：一是要建立针对客户的统一授信评价体系，以统一识别、衡量客户的价值及风险；二是建立健全科学的授信决策机制，通过完善的决策程序来提高信贷决策水平，以在风险承担与风险收益的合理权衡中做出抉择；三是建立健全有效的贷后管理体系，通过动态的监控和有效的风险预警机制，及时发现信贷风险隐患，并籍此采取有效措施加以防范、化解。
After completion of the project loan appraisal report , the appraisal & advisory department should conscientiously review the appraisal report , and submit to the credit management department and the credit policy committee in the form of departmental documents ; the credit management department will checkup and approve the loan according to the appraisal report and other data 四、审查审批项目贷款评估报告完成后，评估咨询部门要认真审查评估报告,并以部门文件的形式提交信贷管理部门和信贷政策委员会；信贷管理部门依据评估报告等资料进行贷款的审查审批。
At the same time , effective instructions are not available to investors in the market . all these have brought negative effects on the healthy and sustainable development of the nation ' s house industry , and therefore have pressed an urgent need for the establishment of an urban house price model which helps to analyze house investment and house policies based on a comprehensive study of the relations between house demand and house supply 在此背景下，论文以城市住宅价格为研究对象，试图探讨哪些主要动力因素对住宅价格产生影响，并通过实证的方法进一步研究其内在运行机制，希望在发展我国住宅价格模型的同时，为政府调控、企业经营、银行信贷管理和购房者投资提供分析方法和工具。
We have dropped behind the international advanced technology . i follow the order of theoretical analysis , and then practice verifying and finally guiding practice with relative theory . on the base of thorough studying of present international credit risk management technology , i went to the bank to have a investigation , after having a research in detail about the data and information of the bank , i build a new credit rating model 我遵循理论分析?实践验证?以理论指导实践的思路,在学习借鉴当今国际银行间的信贷风险管理技术变革的现状与发展方向的基础上,深入银行对商业银行的贷款管理现状进行了仔细的调研,详细分析了银行近几年的贷款资料,参考当前我国银行通用的信贷管理方法,建立了新的贷款评级模型。
We strengthened land regulation by strictly controlling the expansion of land used for construction and took stern actions against violations of laws and regulations concerning land use . we strengthened supervision of money supply and credit , raised the basic interest rate on rmb loans twice and raised the reserve requirements for financial institutions three times . we strengthened the role of fiscal and tax measures in regulating economic activities 加强土地调控，从紧控制新增建设用地，严肃查处违法违规用地行为加强货币信贷管理，两次上调人民币贷款基准利率，三次上调金融机构存款准备金率加强财政税收对经济运行的调节加强新上项目市场准入审核和监督检查加强房地产市场调控和监管，着力调整住房供给结构。
Last year , the central bank inspected the business of real estate finance of commercial banks and emphasized that we should pay attention to the risk involved in the rising of real estate price and increasing of vacancy . the commercial banks should strengthen the credit loan management and look out the real estate bubbles when supporting the development of real estate industry 而央行去年也对各商业银行的房地产金融业务进行大检查并强调：房地产价格上涨、空置面积增加的潜在风险值得关注；商业银行在支持房地产业发展的同时，要切实加强信贷管理，警惕房地产泡沫的出现。
