不过有分析人士指出，成功抑制贷款的背后另有隐忧，那就是银行与信托公司可能联手将贷款转移出他们的账面。
But analysts say the apparent success of the clampdown on lending disguises a worrying new trend that involves Banks co-operating with lightly regulated trust companies to keep loans off their books.
监管基础设施废除之前，明智之举是将我们的信托资金贷款放到银行中去增强资金，比如社会福利等等。
Before we removed our regulatory infrastructure, it would have been wise to invest our federal trust funds in loans to our banking system to bolster funds such as Social Security.
银监会要求商业银行每季度至少25%的、通过信托公司发放的贷款转入银行的资产负债表内核算。
The China Banking Regulatory Commission instructed Banks to move at least 25% of loans issued through trust companies back onto their balance sheets at the end of each quarter.
一旦这些银行家决断某家信托公司大体上是健康的，他们便立刻给予其资金支持——每一美元的贷款都要有该信托公司的抵押资产做担保。
Once they had determined that a trust was essentially healthy, the bankers supplied it with cash, matching their loans dollar-for-dollar with the trust's collateral assets.
商业银行暴露于信托贷款和委托贷款的直接风险敞口非常有限。
Both trust and entrusted loans have limited direct-risk exposure to the commercial Banks.
对一批新的筹资用于购买抵押贷款和地产资产的地产投资信托ipo，投资者就表现得不屑一顾。
Investors turned up their noses at a new batch of real estate investment trust IPOs raising money to buy mortgages and real estate assets.
但该公司确认的抵押贷款收益增加是虚的——被利息费用所抵消，特别是定期向投资者支付的信托管理成本。
But the income gains the company recognized from the mortgages were illusory — offset by interest expense, notably the cost of administering the trusts, which make regular payments to investors.
信托公司的借贷利率已超过20%，而银行仅为6.7%，不过这一利率也有利于银行坏账的展期(是指贷款人在向贷款银行申请并获得批准的情况下，延期偿还贷款的行为——译注)。
The rate at which they're lending is upward of 20%, compared to the Banks' 6.7%, a rate at which it is easier to roll over bad loans.
我们已经看到了一些信托贷款违约事件，但没有造成很大轰动，不过，已经有了两三件存款人救助的案例，但这些案例并还未显示出消除过分信贷的坚定努力。
We've had a few trust loan defaults that haven't caused a big stir yet, but there have been a couple of depositor bail outs that don't point to a determined attempt to curb the excess yet.
“银行”指任何从事银行业务的人，包括储蓄银行、储蓄和贷款协会、信贷联盟和信托公司。
"Bank" means a person engaged in the business of banking and includes a savings bank, savings and loan association, credit union, and trust company.
银监会正试图通过银行遏制财富基金的渠道，即为了规避贷款额度和监管限制，财富基金从信托和券商转移到高风险借款人。
The regulator is trying to curb the channeling of wealth funds by banks through trusts and brokerages to risky borrowers in order to circumvent lending quotas and regulatory restrictions.
中国的现行法律，银行和信托投资公司可以接受委托贷款。
China's current law, Banks and trust companies can be commissioned to accept the loan.
此捐款是真正的馈赠，不是信托、贷款、服务酬劳，也不出于任何销售形式的考虑。
This donation is true gift, and is not given in trust, as a loan, or as compensation for services or in consideration in any kind of sale.
我们在影子贷款方面无法获取良好数据，部分原因是因为出借方太多，包括信托、银行理财产品、典当行等等。
We don't have good data for NPLs in shadow loans, partly because there are many different lender including Trusts, Banks through wealth management products, pawnshops etc.
分析人士认为，如果房地产开发商或者信托公司破产，无法偿还贷款，那么银行将会面临巨大而无法识别的风险。
If the developer or trust company fails and cannot repay the loan, analysts say the Banks could face huge, unrecognized risks.
但分析人士现在表示，他们认为，各家银行现在正通过与信托公司更加积极的合作，来降低其地方债务风险，隐瞒其贷款规模。
But analysts now say they believe that Banks are lowering their exposure to local debt and hiding the size of their lending by working even more aggressively with trust companies.
社区信托内绝大多数员工本身就是移民，也对其客户非常了解：员工们会经常走访贷款人的生意，并提供金融素质的培训课程。
Most of the staff are themselves immigrants, and know their members well: they visit borrowers'businesses often and offer workshops on financial literacy.
从美国成文法和判例法来看，对贷款者责任的规定主要是监督义务、善意义务、信托义务和惩罚性赔偿义务。
In American written laws and case laws, the regulations of loaner duty include mainly supervision duty, well-meaning duty, trust duty and punitive indemnification duty.
注：自2001年起，银行机构没有信托(类)存贷款。
Note: Since 2001, banking institutions have no Trust loans or deposits.
美国不动产投资信托公司的JeffreyKirsch专门负责购入拖欠贷款。他说，提前收回某笔资金的债权要花费三年多时间。
Jeffrey Kirsch of American Residential Equities, a company specialising in buying delinquent loans, says foreclosing a property can take more than three years.
申请者提供承运货物收据声称收到情况良好质量合格的货物，这样的话就可以以输入贷款来入账，比如用来偿还信用证的信托清单贷款。
The applicant produces the cargo receipts alleging that it has received the goods in good order and condition so that it can book an import loan, e. g. a trust receipt loan for payment of the L/C.
申请者提供承运货物收据声称收到情况良好质量合格的货物，这样的话就可以以输入贷款来入账，比如用来偿还信用证的信托清单贷款。
The applicant produces the cargo receipts alleging that it has received the goods in good order and condition so that it can book an import loan, e. g. a trust receipt loan for payment of the L/C.
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