以此为我国商业银行完善个人住房贷款风险管理体系提供一定的参考意义。
This is our country commercial bank perfecting personal housing loan risk management system to provide certain reference significance.
依据组织标准、过程和指导，风险管理项目分为四类：个人计算机、服务器、主机和网络。
Risk management projects can be grouped into four categories: PCs, servers, mainframes and networks, according to organization standards, procedures, and guidelines.
相信平面世界的广告宣传的管理者们在处理他们个人的风险时也是这样做的。
Managers who believe the hype of a flat world do so at their own risk.
“我希望公司的每个人都成为风险管理者，”他宣称。
“I expect everyone at the firm to be a risk manager,” Mr Fuld declared.
而且从理论上来说，这项计划将个人和国家置于风险之中——如果银行股份跌破最低价——管理起来成本高昂。将股份分发给全部选民，还是只给纳税人？
Moreover, the scheme theoretically exposes the individuals and the state to risk-if banking shares crash below their floor price-and could be expensive to administer.
这意味着我们面对冲击无动于衷-，这有点夸张-，我们只做了很少努力，来管理个人，或国家面临的风险。
It means we really haven't done anything — that's an exaggeration — we've done very little to manage risks that individuals or that countries face, for that matter, or even individuals face.
纽约是这个代表团的最后一站，在这里他们想“猎”取多达170在风险管理和个人财富管理领域的专家。
New York was the last stop in the delegation's efforts to poach back up to as many as 170 seasoned specialists in such fields as risk management and private wealth management.
相信平面世界的广告宣传的管理者们在处理他们个人的风险时也是这样做的。对于商务策划师来说国界限制仍然是一个重要因素。
Managers who believe the hype of a flat world do so at their own risk. National borders still matter a lot for business strategists.
按金融企业的基本属性建立各项经营管理制度，要求所有金融企业依法自主经营，严禁任何部门和个人干预金融企业的业务，同时要求金融业承担经营责任风险；
Management systems will be established in accordance with the basic attribution of various financial enterprises, and all financial institutions should operate independently according to law.
有效的风险管理影响公司中的每个人。
Effective Risk Management affects everyone in the Organisation.
个人信贷消费的快速增长要求商业银行具有较为完备的信用风险管理体系。
The fast growth of personal credit consumption requests the bank to have perfect credit risk management system.
“我希望公司的每个人都成为风险管理者，”他宣称。
"I expect everyone at the firm to be a risk manager," Mr Fuld declared.
他们的风险是能否支付管理费用，他们的风险是不再有稳定的客流来消费，同时每一个人都怀着一丝消极的期待，下源源不断的赌注。
They have risks that their overhead won't cover their risk is that a steady stream of people won't come and be making a steady stream of bets at which each of them has a slightly negative expectation.
保险专业旨在培养能胜任保险业经营及管理工作，并为企业、组织或个人提供风险规避服务人才。
Insurance programs prepare individuals to manage risk in organizational Settings and provide insurance and risk-aversion services to businesses. individuals. and other organizations.
监管预期的信用风险管理方法的由个人银行应该伴随的范围和成熟的活动。
Supervisory expectations for the credit risk management approach used by individual Banks should be commensurate with the scope and sophistication of the bank's activities.
创业家是一位对商业或企业有能力组织，管理并勇于担当风险的个人。
One who organizes, manages, and assumes the risks of a business or enterprise.
目前，个人消费信贷在我国产生不久，有关的管理办法和具体操作手段还不严密也不完善，作为一种特殊的个人消费信贷产品的国家助学贷款，其业务中的风险更是难以度量和控制。
And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control.
最后提出了改善商业银行个人住房贷款信用风险管理外部环境的对策。
Finally, some measures are suggested to improve the exterior environment of credit risk management of commercial Banks' individual housing loan.
风险可能给人们带来巨大的经济损失，因而风险管理成为了国家、企业和个人的客观需要。
Risk may cause huge economic losses to the people, therefore risk management has become objective needs of the countries, enterprises and individuals.
第三条商业银行应当对个人理财业务实行全面、全程风险管理。
Article 3 a commercial bank shall practice risk management to personal financial management services in an all-round way and during the whole course.
化学致癌物质对人体健康危害的个人年风险远远超过非致癌物质对人体健康危害的个人年风险，应作为风险决策管理的重点对象。
The health risk for individual person caused by chemical carcinogens is greater than non-carcinogens, so chemical carcinogens must be paid much attention in the risk decision-making management.
国外经验表明，个人信用评分模型作为一种有效的个人信用风险管理工具，在商业银行的信贷消费决策中起到了非常重要的作用。
The foreign experience indicated that, as an effective individual credit risk management tool, credit rating model played a very important role in the commercial banks' credit decision-making.
如果我们算一算防范小风险的全部费用，然后把这笔钱用于出现几率较低的大风险，我们在整个人生中的风险管理就能得到极大的改善。
If we took all the money we paid to cover ourselves for small risks and devoted it to unlikely but big ones, that would be a much better way to manage the risk in our overall lives.
商业银行个人理财业务逐渐成为商业银行增强客户忠诚度、提高银行竞争力、更好地管理客户风险、提高银行风险对冲和管理能力的重要业务方式。
Commercial Banks personal financial service is going to be the core business which could strengthen Banks customer loyalty, increase Banks competitiveness, as well as enhancing risk control ability.
五是针对商业银行个人住房面临的按揭项目风险、提前还款风险、抵押物风险提出具体的风险管理措施和方法。
Finally, we should take concrete methods to the risks which our commercial Banks' personal real-estate loan business is confronted with, such as item risks, mortgage risks and so on.
对提前还款风险的研究和控制，已经成为个人住房抵押贷款风险管理的重要课题。
Thus, the study and control on the prepayment risk has become a key research subject of the risk management of personal housing mortgage loan.
本文从我国个人住房贷款风险状况入手，对比分析了国外商业银行个人住房贷款风险管理框架和方法，全面探索了我国商业银行风险管理体系的构建和相应的措施手段。
This essay starts with the situation of our personal real-estate loan's risks and analyzes the personal real-estate loan's risk management frame and methods of foreign commercial Banks.
然后针对操作风险、抵押品风险分别提出了相关商业银行个人经营性贷款风险管理的对策。
Then, for other types of risk related to commercial banks made loans to individual operational risk management solutions.
然后针对操作风险、抵押品风险分别提出了相关商业银行个人经营性贷款风险管理的对策。
Then, for other types of risk related to commercial banks made loans to individual operational risk management solutions.
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