第三十六条商业银行贷款，借款人应当提供担保。
Article 36 To obtain a loan from a commercial bank, a borrower shall provide a guaranty.
第三十七条商业银行贷款，应当与借款人订立书面合同。
Article 37 For granting a loan, the commercial bank shall conclude a written contract with the borrower.
第三十九条商业银行贷款，应当遵守下列资产负债比例管理的规定。
Article 39 a commercial bank should abide by the following stipulations in ratio between assets and liabilities.
在这些非交易性金融工具中，数量最大的就是商业银行贷款。
The trading book of financial institutions will be measured under fair value accounting.
过去，商业银行贷款，企业只有固定资产贷款和流动资金贷款两大类。
The past, the commercial bank loans to enterprises only fixed asset loans and working capital loans two broad categories.
中国公司大都从商业银行贷款，各银行行长都是处心经营多年才取得今天的地位。
Almost all of the credit for Chinese companies is raised through its commercial Banks. The country's bank chiefs are powerful men whose careers have been meticulously managed.
商业银行采用以贷还贷的方式清收逾期贷款，在目前商业银行贷款业务中非常普遍。
As a way of handling the overdue loans, the contract of Repaying loan with loan (hereinafter referred to as the RLWL) is very common in the loan business of commercial Banks.
贷款损失拨备覆盖率大幅提高，城市商业银行贷款损失拨备覆盖率也达到114%；
The loan loss preparation coverage fraction enhances largely, city commercial banks loan loss provisions also achieves 114%;
由于存在行政关系，通过控制商业银行贷款规模，中央银行也参与超额准备率的决定。
For the reasons of administration, the Central bank also plays an important role in deciding the rate of excess reserves through controlling the loan size of business Banks.
长期以来，我国商业银行贷款业务服务对象主要是企事业单位，消费信贷业务几近空白。
For a long time, loan business from our commercial Banks benefits primarily enterprises and companies, while leaving consumer credit business almost blank.
因为担心对公司的信贷供应，日本央行12月2日同意向商业银行贷款时接受高风险公司债券作为担保。
Anxious about the supply of credit to firms, the bank of Japan agreed on December 2nd to accept riskier corporate bonds as collateral when it lends to commercial Banks.
循环贷款基金计划设立于贫穷社区，提供小额贷款给没有信用纪录或无法取得商业银行贷款的企业家。
A revolving loan fund program is set up in an impoverished community and provides small loans to entrepreneurs who have no credit history or access to commercial bank loans.
通过加强对企业经营的监管和严格控制款项用途等手段，我国商业银行贷款呆账率明显下降，盈利增加。
Business by strengthening supervision and strict control over use of funds and other means, our bad debt rate of commercial bank loans decreased, increased profits.
本文在商业银行贷款业务的基础上分析商业银行贷款风险形成的原因，提出商业银行贷款风险的防范对策。
This article analyses the reasons of the risk in commercial bank loans on the basis of the bank loan business and puts forward measures against the loan risk.
最后，以商业银行贷款动态损失准备金计提为案例，对其灰势意义下的策略优超和纯策略解问题进行了研究。
And in the end, taking commercial bank dynamic provisioning as example, the pure strategies of this problem are studied.
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.
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.
造成这种情况的根本原因是，国内商业银行贷款时搞一刀切，对不同能力的客户，提供相同的产品，导致放贷风险很大。
This situation is caused by the root causes of domestic commercial bank loans, in-and the capacity of different customers, providing the same products, leading to lending risks.
由于种种原因，我国国有商业银行贷款信用风险管理制度存在着诸多缺陷，明显影响了银行对贷款信用风险的防范和控制。
Due to all kinds of reasons, the loans credit risk management system exists many defects in the above mentioned Banks, they are affected obviously to the loans credit risk against with control.
首先，作者简述了现代商业银行贷款定价的理论依据：信贷配给理论、利率的逆向选择、利率的激励效应和贷款担保理论。
Firstly, the author discusses the loan pricing theory, this means credit rationing, converse selection and inspirit effect, etc.
而根据渣打银行(Standard Chartered)的数据，在美国，房地产相关贷款占商业银行贷款的50%以上。
S., real estate-related loans accounted for more than 50% of lending by commercial Banks, according to Standard Chartered.
奥巴马打算为小型企业管理局的贷款方案提供支持，提供更多的资金来支付费用减少和小型企业商业银行贷款的小型企业管理局贷款担保。
Mr Obama intends to provide a booster to the SBA loan programmes, offering more money to cover fee reductions and SBA guarantees for small-business loans made by commercial Banks.
例如，他们时常改变存款准备金(商业银行必须寄放在中央银行里的现金)或者规定银行贷款限制。
For instance, they vary reserve requirements (cash that commercial Banks must keep on deposit at the central bank) or impose quantitative limits on bank lending.
目前国内外商业银行的信贷风险管理模式一般是通过控制单笔贷款的风险实现的，但单笔贷款的最优并不意味着银行贷款总体的最优。
The current common practice in managing credit-risk in commercial Banks worldwide is to set limit on the risks of single loans so that the total risks of a bank's loan portfolios can be controlled.
房地产业的飞速发展使房地产开发资金过多依赖于银行贷款，商业银行承受了房地产市场运行中各个环节的市场风险和信用风险。
The development in real estate make it a fact that the real estate fund depends too much on the bank credit. The commercial bank runs the risks of markets and credits in every link.
房地产业的飞速发展使房地产开发资金过多依赖于银行贷款，商业银行承受了房地产市场运行中各个环节的市场风险和信用风险。
The development in real estate make it a fact that the real estate fund depends too much on the bank credit. The commercial bank runs the risks of markets and credits in every link.
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