为判断贷款损失准备金是否充足提供依据。
To provide the basis for assessing adequacy of loan loss provision.
一般储备是总的一般贷款损失准备金的数字。
The general reserve is the total general loan loss reserve figures.
提取贷款损失准备，是商业银行应对风险的常见措施。
Thus, the drawing of loan loss provisions is considered as a common measure for commercial banks to handle such risks.
第九条贷款损失准备必须根据贷款的风险程度足额提取。
Article 9 Provisions shall be set aside adequately in accordance with the risk scenario of loans.
旨在为商业银行进行贷款损失准备金的计提提供理论上的模型依据。
The purpose of this model is to provide theoretical basis for the loan loss reserve fund for the commercial bank.
第八条银行应以贷款风险分类为基础，建立审慎的贷款损失准备制度。
Article 8 Banks shall institute the prudent system of provisioning for loan losses based on risk-based classification of loans.
第十条贷款损失准备的财务会计和税收处理，应按国家有关规定执行。
Article 10 Financial accounting and taxation of provisions for loan losses shall be carried out in line with relevant provisions of the state.
他对摩根大通的预测更为乐观，预计贷款损失准备金将减少8%，净销帐减少3%。
He gave even more optimistic estimates for J.P. Morgan, with loan loss provisions falling 8% and net charge-offs down 3%.
调查中发现五级分类目前还存在问题，贷款损失准备计提的基础不牢靠。
Through the investigation, many problems are found on the five-grade loans classification, maybe incorrect provisions are set aside for loan losses.
足额、及时地提取贷款损失准备金，是银行会计审慎性原则的重要体现之一。
It is important embodying of cautious principle for the bank accounting to draw loan-losing provision sufficiently and in time.
这些数据仍停留在历史较高水平，但贷款损失准备金提高的压力下呈下降趋势。
These figures remain relatively high by historical standards but continue to be pressured by increasing loan loss provisions.
那么，建设贷款占到有形资产和贷款损失准备金的53%；现在为65%-70%。
Then, construction loans made up around 53% of their tangible equity plus loan-loss reserves; now the figure is 65-70%.
和去年同期先比，美洲银行的贷款损失准备金减少了一半，而摩根大通减少了三分之一。
Compared to last year's loan loss provisions, this is a reduction of almost half for Bank of America and a third for J.P. Morgan.
仅仅从贷款损失准备比例看，大多未体现周期特征，在经济周期高点可能相对少计提；
Most of the percentages of provisions for loan losses show no economic cycles, comparatively less provisions may be set aside on the economic cycles peak;
包括，建立财政借款制度、财政贴息制度、贷款损失准备金制度以及资本金补充制度等。
Such as, set up the fiscal loan system, fiscal interest deduction system, loan loss provisions system and capital increasing system.
判断目前涨势能否持续的一个办法就是分析银行的贷款损失准备金。目前甚至摩根大通J。
One way to judge the sustainability of the latest rally is to analyze loan-loss provisions, a cost item that is whacking earnings at even healthier lenders, like j.
第二条银行应当按照谨慎会计原则，合理估计贷款可能发生的损失，及时计提贷款损失准备。
Article 2 Banks shall reasonably estimate possible loan loss and timely set aside provisions for loan losses in accordance with the prudent accounting principle.
第四条商业银行资本充足率的计算应建立在充分计提贷款损失准备等各项损失准备的基础之上。
Article 4 the calculation and measurement of capital adequacy ratios are on the basis of adequate provisions for various losses, including loan losses.
花旗集团分析师霍诺·维茨预测，美洲银行的贷款损失准备金和坏债净销帐将和上一季度持平，或有所改善。
Citigroup's Horowitz forecast loan loss provisions and net charge-offs of bad debt at Bank of America will stay flat or improve modestly from the first quarter.
提取贷款损失准备金是商业银行应对信用风险的措施，无效的贷款损失准备对银行资本与盈利有一定的影响。
To make provision loan loss provision is a measure taken by commercial Banks to fight against credit risk. Ineffective loan loss provision will affect banking capital and profit.
并提出了完善《核心指标》、统一贷款损失准备计提办法及衡量指标、统一信息披露格式及口径等的政策建议。
Concrete policy Suggestions are made on how to improve the core index, unify the methods and measuring index for provision against loan loss, and unify information disclosure format and statement.
实证分析的结果表明，这几家上市的股份制商业银行贷款的总体质量较好，对贷款损失准备金的计提较为充分。
The result of the empirical analysis indicates that the overall quality of loan in these listing shareholding commercial Banks is good, and the loan loss provision is comparatively abundant.
果真如此的话，那么CapitalOne等公司的收益预计将大幅上升，因为较低的违约率可以减轻信用卡贷款发放公司在提取贷款损失准备金方面的压力。
If so, firms like Capital One could look forward to sharply higher earnings as lower defaults would allow lenders to ease off on the expense of building their loan-loss reserves.
这一转变的主要原因是贷款损失和所需准备金的逐渐下降。
The main reason for the turnaround is a gradual decline in loan losses and provisions for them.
指为补偿贷款预期的损失而准备的资金。准备金作为营运支出录入银行的损益表上。
Funds set aside to cover anticipated loan losses. They appear on a bank's income statement as an operational expenditure.
贷款呆帐准备金制度是国际上商业银行普遍采用的弥补贷款损失的制度。
The system of the loan reserve for bad debts is universally adopted by the commercial Banks to offset the bad debt loss of loans.
如果是这样的话，银行贷款组合的实际价值就远远低于其设定价值，而应对潜在损失的准备金也不够。
If so, their loan portfolios are worth far less than the stated values, and reserves taken against possible losses are inadequate.
如果是这样的话，银行贷款组合的实际价值就远远低于其设定价值，而应对潜在损失的准备金也不够。
If so, their loan portfolios are worth far less than the stated values, and reserves taken against possible losses are inadequate.
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