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.
由于受到金融体系的压力，银行的效率降低了不少，而且它们倾向于积累现金并且缩减贷款。
The financial system's stresses have made them less effective, as Banks hoard cash and scale back lending.
这意味着资金已停止在金融体系内流转，银行也过于依赖短期贷款，而这类贷款对于偿还即将到期的债务几乎于事无补。
That means that cash isn't being circulated through the financial system and banks are relying too heavily on short-term loans, which does little to help pay off looming debts.
正如美国和其它西方国家发现的那样，贷款长时期过快增长，银行体系有可能崩溃。
And if credit grows too quickly for too long the system tends to explode, as America and some other Western countries have found.
其中三家银行就基本构成了整个银行体系的绝大部分。这些银行通过宽松的贷款迅速扩张，从国外借入资金，再将它们放贷出去。
The Banks — three of them make up nearly the entire system — grew quickly on easy credit, borrowing money abroad and lending it back out.
波兰银行体系也十分稳固，基本上没有受到匈牙利、拉脱维亚等地外汇贷款坏账的影响。
Poland's banking system is solid, being largely unburdened by the rotten foreign-currency loans made in places such as Hungary and Latvia.
其差异可以由以下两个原因解释，其一，2010年已签订贷款合同但尚未正式启用的那部分贷款；其二是银行体系之外的信贷扩张。
The discrepancy could be explained by the spending of money borrowed in 2010 but idled since then, and credit expansion outside the banking system.
基本上，美联储通过购买抵押贷款支持债券(和其他银行债)，将资金投入银行体系从而重组银行业的资产。
Essentially the Federal Reserve recapitalized the banking industry by buying its mortgage-backed securities (and other bank debt as well), thus pouring cash into the banking system.
清偿100 000美元贷款就会减少银行体系内100 000美元的‘货币’供应量（除非这笔钱又借贷给别人）。
A $100, 000 loan that is repaid reduces the ‘money’ supply by $100, 000 (unless it is lent out to someone else).
这可能导致银行体系积累新的不良贷款，使近年来取得的进步付之东流。
This could result in an accumulation of new nonperforming loans in the banking system, setting back a good deal of the progress that has been achieved in recent years.
如果不采取恰当措施解决积压房地产带来的不良贷款问题，将为国家的银行体系和整个经济系统运转带来很大的风险。
If we do not take appropriate measures to resolve the backlog of bad real estate loans, the banking system will be operating system and the economy as a whole have a great risk.
形势的严峻不用多言。 工、农、中、建这四家商业银行是我国金融体系的主体，其存款和贷款均占全部金融机构存款、贷款的90％以上。
Four stated-owned commercial banks, as the main body of Chinese financial system, their amount of deposit and loan occupy 90% of all foreign organizations.
这些外债被放在“旧银行”，而本币存款和贷款则放在“新银行”以在表面上显示冰岛的金融体系已恢复正常。
These have been placed into "old banks", while local-currency deposits and loans are in "new banks" that are meant to restore a semblance of normality to Iceland's financial system.
随着利率市场化进程的加快，我国商业银行的贷款定价体系面临着越来越严峻的考验。
With the quickened steps of market-oriented interest rate, the loan pricing system for our commercial Banks is confronting with an increasingly serious test.
运用层次权重分析法对贷款类资产风险指标体系进行综合评价，为判断银行货款类资产质量和风险评价提供了依据。
The AHP method was utilized to evaluate this asset risk index system, which provided references for Banks to determine the asset quality for loans.
建立完善贷款定价体系对商业银行适应利率市场化、增强抵御利率风险具有重大意义。
Establishing a sound loan pricing system is of Paramount importance for commercial Banks to adapt to the marketization of interest rate and enhance their power to ward off interest rate risks.
作为集吸收公众存款和发放贷款于一身的金融中介，银行在整个金融体系中始终处于关键地位。
As financial intermediation that attracts deposits from and offers loans to the public, Banks have always been of the center of a financial system.
本文从一家外资银行的实际经验出发，通过考察、分析不同方面的因素，提出构建我国个人无抵押贷款风险控制体系的若干建议。
This article studies a foreign bank's experience, analyzes different factors and brings up some suggestions for establishing personal unsecured loan risk control system.
助学贷款政策同时受到银行商业行为的限制及社会信用体系不健全的双重困扰，难以有效地推行。
However, the financial-aid for students is very hard to carry out effectively because of the limitation from the commercial practice of the bank and the imperfect system of the social credit.
因此，这些银行体系中的隐性亏损实际上是准财政赤字，而不是传统意义上的不良贷款。
As such, these hidden banking losses are actually quasi-fiscal deficits, rather than traditional non-performing loans.
谈到银行体系有发放更多个人住房抵押贷款的机会时，他暗示了中国为加强经济增长而实行的另一项政策。
Mr. Zhou hinted at another Chinese policy effort to strengthen economic growth when he talked about there being room for banks to lend more money for mortgages.
从当前我国银行信贷风险管理情况来看，我国商业银行风险管理水平普遍较低，整个银行体系不良贷款率偏高，远远高于国际警戒线。
Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.
结果是：留下成千上百个半拉子灰色的钢筋水泥壳，而这沉重地加大了银行体系不良贷款的负担。
The result: hundreds of half-finished grey concrete hulks that added hugely to the banking system's bad-loan burden.
结果是：留下成千上百个半拉子灰色的钢筋水泥壳，而这沉重地加大了银行体系不良贷款的负担。
The result: hundreds of half-finished grey concrete hulks that added hugely to the banking system's bad-loan burden.
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