企业发债强调的是企业资信和还款能力，应与银行授信严格区分。
Corporate bonds should be based on the credits and repayment abilities of enterprises, and be rigidly distinguished from the credits granted by Banks.
第四部分，将非财务信用评价指标体系应用到实际问题的解决，为商业银行授信决策提供依据。
Part four, use the above evaluation system and method to analyse the practical case, helping commercial bank to make credit decision.
本项工作通过问卷调查的方式， 了解银行授信过程中会计信息的应用情况及银行对非财务信息的使用情况。
Through the survey of the banks, we study the accounting information and non-financial information used in the bank lending process.
而贷款的风险评价是商业银行贷款风险管理的关键环节，只有科学地评价风险，才能有效地指导银行授信业务。
Loan risk evaluation is a key link in loan risk management of commercial Banks because only by appraising risk scientifically can Banks direct business practices effectively.
据该公司2009年年度报告称，该公司另有150亿美元现金和可用的银行授信额度，但这也是基于其2010年和2011年170亿美元左右的到期债务的偿还情况的。
The company has a further $15 billion of cash and available bank lines, but is also due to repay around $17 billion of maturing debt in 2010 and 2011, according to its annual report for 2009.
比起美国，巴西的客户也更难获得授信，因此Azul不得不提供一些类似银行的服务，提供10个月的零利率信贷，诸如此类。
Customers have less access to credit than American ones do, so Azul has had to perform some of the services of a bank, offering interest-free credit for ten months, and so on.
他们所受管制，They，没有普通银行严格，我想他们有，他们有大概20亿元，的授信额度，在财政部。
Re not regulated tightly as ordinary Banks would be I believe they have something, they have something like two billion dollar line of credit at the Treasury.
在大力发展这一业务时，其授信风险的防范、分散和转移自然也就成为各家银行所要研究的课题。
Along with the enlargement of this business, it is of great necessity for all commercial Banks to study the prevention against, the deconcentration on, and the transfer of their accredited risks.
从总体分析，我国商业银行对集团客户的授信管理缺乏一整套有针对性的管理制度和操作规范。
At whole analysis, our commercial Banks lack a complete pertinency management system and operating procedure for credit management of group clients.
这样，银行风险管理改进带来的利益会大于授信额度增加带来的好处，从而减少银行体系的风险。
Thus, the benefits of advances in risk management in banking may be the greater credit availability to reduce risk in banking system.
商业银行应当审慎使用外部信用评级，外部信用评级结果不应直接作为商业银行的授信依据。
I. Commercial Banks shall use external credit ratings with caution, and shall not directly use external credit rating results as the basis for extending credit.
第一条为切实防范风险，促进商业银行加强对集团客户授信业务的风险管理，制定本指引。
Article 1 These Guidelines are formulated for the purpose of earnestly preventing risks, and promoting commercial Banks to strengthen the risk management of granting credit to customer groups.
在风险管理领域中，良好的预警制度与明确的授信目标，将有助于银行放款人员进行授信业务之评估参考。
In the risk management field, a good early warning system with clearly loaning rules will help the bank's accommodator to make loans.
由于银行为借款人提供一定的授信额度，为弥补银行因承诺发放贷款而不能使用此笔资金的损失，借款人须支付给银行的费用。
The borrower needs to pay some fee to the bank to compensate its loss. Because the bank provide a credit line to the borrower, it must keep this amount open and available.
授信业务是银行主要商品之一，而逾放比率则是衡量授信品质的重要指针。
One of commercial products for banking industry is the Credit Assessment. The overdue ratio of bank credit facilities is a key indication to measure the quality of Credit Assessment.
目前我国信贷资产质量下降，商业银行制订正确的授信决策是防范贷款风险、提供收益的途径。
At present the quality of loaning assets is declining. A reasonable credit assigning strategy which commercial bank makes is the way to avoid loan risks and raise its incomes.
希望对商业银行防范及控制集团客户授信风险有所帮助。
Hoping that this article will help to prevent and control credit risk for commercial Banks.
集团授信客户对一个国家的国民经济和银行经营具有双重重要意义，它们面临的行业分散风险已经成为其出现经营危机的主要诱因。
Group customers gradually show a trend of multi-industrious operation, which has become a main cause that triggers operational crisis of group customers.
它是指借款企业以银行能够接受的存货质押为授信担保资产而获得贷款的业务。
Through this service, the SMEs can reduce capital occupancy of the stock and decrease the management cost of SMEs.
同日，龙蟒佰利联与浦发银行正式签署战略合作协议，浦发银行拟为企业授信50亿元。
On the same day, LOMON BILLIONS and Shanghai Pudong Development BANK (SPD BANK) officially signed a strategic cooperation agreement, SPD BANK plans to grant 5 billion yuan credit for the enterprise.
于是，论文得出了基于银行统一授信和价格波动率博弈分析下的不同仓储策略的仓单质押贷款质押率计算模型。
Thus, based on Bank-Integrated-Credit and Game-Analysis model of price fluctuation-law and different warehouse strategies, a computing model of loan-pledge-rate is concluded.
于是，论文得出了基于银行统一授信和价格波动率博弈分析下的不同仓储策略的仓单质押贷款质押率计算模型。
Thus, based on Bank-Integrated-Credit and Game-Analysis model of price fluctuation-law and different warehouse strategies, a computing model of loan-pledge-rate is concluded.
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