asset ASSET = Association of Supervisory Staffs Executives and Technicians (英国)主管人员、行政官员及技术人员联合会。 n. 1.资产;财产。 2.有用的资源,宝贵的人[物]。 3.〔委婉语〕“星球大战”战备防御计划中全部武器的总称。 Good health is a great asset. 健康就是财富。 He is a most valuable asset to the firm. 他是公司的宝贵人材。 assets and liabilities 资产与负债。
liability n. 1.责任,义务。 2.〔pl.〕 负债,债务 (opp. assets). 3.倾向;易于…的倾向[性质]。 4.不利条件。 hold no liability for damages 不负赔偿责任。 limited [unlimited] liability 有限[无限]责任。 liability for military service 有服兵役义务。 assets and liabilities 资产与负债。 meet one's liabilities 偿还债务。 liability to disease 弱不禁风。 liability to error 容易犯错误。 Poor handwriting is a liability in getting a job. 拙劣的书法是求职的不利条件。
Under the guidence of the systemetic theory , the thesis first expound the origin , the systems and the ways of asset - liability management , and then study the process , the contents and the functions of chinese commercial bank ’ s asset - liability management . on this basis the paper make a detailed analysis on the achievements and the problems in the development of chinese commercial bank ’ s asset - liability management . finally the paper provides some suggestions 本文以系统思想为指导,通过对大量文献资料的研究和对一些商业银行的调查走访,采取以抽样统计、系统分析、逻辑思辩为基础的研究方法和从理论到实际、从整体到局部的研究思路,对资产负债比例管理的由来、系统性及方法作了论述。
The main customers all concentrate on the state - owned enterprise , the asset - liability ratio of the state - owned enterprise is relatively high , the capital can ’ t be supplemented for a long time . ( 2 ) market risk , it means the proxy of the bank will fluctuate when the market price factor changes 湖南工行的授信程序,存在信贷审查报告流于形式问题;同时,大量受信客户具有相类似的风险特征,主要客户都集中于国有企业,国有企业的资产负债率较高,资本金长期以来得不到补充。
The dissertation focuses on the theory & mechanism research on life insurers ’ integrated risk management ( irm ) . based on the realistic contexts and theoretical foundations of irm , the paper tentatively establishes the theoretical frameworks of value - based irm and sets up an irm model & its extended model with a step - by - step risk integration system including capital risk integration , asset - liability risk integration , strategic & business risk integration , risk management & risk management culture integration . the paper is organized in preface ( contexts analysis ) , irm theoretical framework & irm model establishment ( chapter 1 - 3 ) , and the model ’ s practical execution ( chapter 4 - 7 ) 论文基于寿险公司整合性风险管理构架进行理论与运行研究,以公司整合性风险管理产生的背景(导论)为起点,以经济金融理论、财务理论、风险社会与风险文化理论为理论基础(第一章) ,建立了基于价值创造的公司整合性风险管理理论体系(第二章) ,建构寿险公司整合性风险管理模型(第三章) ,并对所建模型进行扩展运用,形成了资本风险的整合管理、资产负债风险的整合管理、战略风险与经营风险的整合管理、风险管理与风险管理文化的整合管理(第四章至第七章)的递阶式风险整合管理体系。
As future development trend of asset - liabilities - management ( alm ) technology of insurance company , dynamic financial analysis ( dfa ) can not only be competent for comprehensive and holistic forecasting task of insurance company ' s operation and financial status , but also can help national insurance industry build the most preliminary , and probably the most effective financial risk forewarning system , by dynamically scrutinizing assets and liabilities conditions changes of insurance company “动态财务分析”作为未来保险公司资产负债管理技术发展的趋向,不仅能够胜任对保险公司经营和财务状况进行全面整体性预测分析的工作;而且还能对保险公司资产和负债状况的变化,实施动态监控,从而为民族保险业构筑最初也是最有效的财务风险预警系统。
, various measures must be adopted to prevent financial risk . firstly , general clew of the prevention of financial risk should be found out , then secondly , reducing assets - liabilities ratio by combining reform of property right , thirdly , control i ing outlay of cost , and finally real izing the control of financial risk through perfecting management system 根据锦州重型股份有限公司财务风险的成因分析,必须采取多方面的措施防范财务风险,首先要找到财务风险防范的总体思路,其次结合产权改革降低资产负债率,再次控制成本开支,最后要通过完善管理制度,控制财务风险。
The requirements of the basel agreement are designed to encourage bank to strengthen their capital position and consider the risk of the off - balance - sheet commitments . asset - liability management is integrated of self - discipline and financial supervision . the purpose of asset - liability management is to formulate strategies and take actions that shape a bank ' s balance sheet as a whole in a way that contributes to its desired goals 资产负债比例管理是一种自律管理与外部监管有机结合的管理方式,其实质是在银行长期战略计划指导下,在短期金融计划和决策中协调好资金来源和资金运用的内在联系,实现资金流动性、安全性、盈利性的均衡,是流动性资产、债券贷款、负债和资本相结合的综合管理。
Besides , this dissertation not only investigates the modernization process , the courses of economic development and its external environment condition of western ethnic areas in macro ways but also studies the institutional framework , management mode , asset - liabilities , and profit and lose situation of enterprises with the method of economic analysis and financial analysis in micro ways in order to reveal the concrete management states of non - public enterprises of western ethnic minority areas ; and this article studies the ownership structures , system and management of enter 既宏观考察西部民族地区现代化进程与非公有制经济发展的历程及其外部环境,又运用了经济分析、财务分析的方法,禅观研究企业的组织结构、管理模式、资产负债及损益状况,以揭示西部民族地区非公有制企业的具体经营状况;既从经济学的角度出发研究所有制结构,企业制度及管理、市场与资源配置,又结合民族、历史、文化、宗教等非经济因素进行分析;在资料获取和运用方面,既有大量的统计数据,也有通过到民族地区的企业进行田野调查所获得的第一手材料。
Asset - liability management is integrated of self ? discipline and financial supervision . the purpose of asset - liability management is to formulate strategies and take actions that shape a bank ’ s balance sheet as a whole in a way that contributes to its desired goals . in the process of financial deepening in china , the research of basel agreement and asset - liability management turns out to be very important 我国加入wto后,对于银行业来说,意味着全面融入国际金融市场,必须要遵循国际银行业经营管理的各项规则,也就是要按国际银行业经营管理的基本原则和惯例来运作,特别是要根据以巴塞尔协议为准则的国际银行业有效监管原则及标准和方法进行经营管理。
In the process of financial deepening in china , the research of basel agreement and asset - liability management turns out to be very important . to meet the needs of basel agreement , the thesis devises that major efforts should put on two aspects : optimize the external environment of commercial bank and strengthen internal management of banks . the thesis holds that the primary approach to settle those problems and to meet the requirements of basel agreement is to stick to the side by side commercialized management . under the guide of the systems theory , this thesis first expound the characteristics of basel agreement , and then give a deep insight into the experience of asset - liability management 在我国即将加入wto的今天,加强对巴塞尔协议的研究与认识,积极促进资产负债比例管理在我国商业银行中全面实施,对加快我国银行商业化改革步伐,增强我国金融业的防御力和竞争力具有重要的现实意义本文以系统思想为指导,通过对大量文献资料的研究和对一些商业银行的调查走访,采取以抽样统计、系统分析、逻辑思辩为基础的研究方法和从理论到实际、从整体到局部的研究思路,对巴塞尔协议的渊源、主要内容进行深入剖析,对资产负债比例管理理论的涵义和基本结构展开研究。
There are three indicators in firm , s capital structure , asset - liability ratio , current liability ratio and long - term debt ratio . the determinants of the capital structure have system and non - system determinants . because this paper is studied the listed companies in jilin province , we use seven non - system indicators 结果表明,吉林省上市公司的资本结构与国外学者研究的发达国家的资本结构之间存在很大的差别,而与大多数国内学者研究的国内上市公司相一致,表现出强烈的异常融资优序。