在此基础上，笔者以案例的方式直观的比较了传统信贷决策与量化决策的区别。
And on this foundation, with the way of case, it is visual to have compared the difference of traditional credit decision and quantification decision.
这说明，贷款的性质结构与会计信息的信贷决策作用之间的关系可能是紧密而复杂的。
This indicates that the nature structure of loans is closely correlated with the role of accounting information in making credit decisions, and their relation can be indeed complicated.
与单一方法相比，组合评价结果具有较高的可信度，可为商业银行进行信贷决策提供参考。
Compared with the single method, the result of combination evaluation has the higher reliability, so it can provide reference to comme...
如何提升信贷决策管理水平，以求在竞争中立于不败之地，成为国内商业银行关注的热点问题。
How to promote decision level of management, so as when competitive neutrality do not defeat land, become the domestic hot problem that commercial bank pays attention to.
不那么为人所知的是IMF令人信服的断言：对收益的竞逐，已滋生一波糟糕的信贷决策，主要发生在美国。
Less widely broadcast is the IMF's convincing assertion that the search for yield has driven bad credit decisions, primarily in the US.
商业银行信贷决策质量不高，直接导致了问题贷款——决定银行生死存亡的风险因素之一的产生。
The low quality of loan decision-making of commercial Banks directly derives into non-performing loans, which possibly causes a bank's bankruptcy.
研究了在竞争的信贷市场中，对风险厌恶型投资者克服逆向选择作用的信贷决策机制，提出了这种机制应满足的性质。
A study is made in this paper of the credit decision mechanism against adverse selection in a competitive market with asymmetric information when entrepreneurs are riskaverse.
可见，如何从理论和实践上探索解决信贷风险，建立合理信贷决策机制的途径，是我国金融学界一项紧迫而重要的任务。
Obviously, how to exploit the way to diminish financial crises and establish a reasonable credit policy-making mechanism theoretically and practically is urgent and vital in Chinese finance world.
现代银行将贷款决策蜕变成冷冰冰无人情的、以信贷评分和资产价值为基础的公式， 是银行更偏向于均一同质的贷款，比如住宅按揭。
modern banks reduced loan decisions to arm’s-length algorithms based on credit scores and asset values, biasing them towards homogeneous loans such as residential mortgages.
经济学人- - -信贷危机爆发一年以后，决策者费劲心思考虑如何避免另一场信贷危机。
A YEAR after the credit crisis exploded, policymakers are scrabbling for ideas on how to prevent another one.
英国央行决策者们表示，他们正考虑采取进一步措施缓解信贷市场的紧张状况。
Bank of England policy makers indicated they are considering 'further measures' to ease the logjam in credit markets.
尽管北京方面多次表示要遏制信贷过度扩张，但决策者并未真正采取决定性步骤，如提高银行准备金率，以吸纳流动性。
Despite all the talk from Beijing about curtailing excessive credit expansion, policy makers have not taken truly decisive steps, such as raising reserve requirements on banks to sop up liquidity.
信用风险是商业银行信贷风险管理中一项基础性的工作，其目的在于分析银行在贷款业务中可能面临的信用风险，从而为贷款决策提供依据。
Credit risk evaluation is the basic work of commercial bank's credit risk management, which goal is to analyze the credit risk of the bank in provides a loan, and support the decision of the loan.
在考虑拖欠还款概率存在的影响下，建立了信贷风险决策模型，给出了相应的信贷风险决策机制。
In the case of considering the influence of the default probability, the paper establishes a credit risk decision model and gives corresponding credit risk d.
本文研究商业银行的信贷市场在不完全信息下银行信贷风险的决策机制。
This paper studies the decision mechanism of credit risk in the credit markets of the commercial Banks with imperfect information.
从银行信贷资金风险极小化的角度出发，通过引入激励机制设计的理论和方法，建立了银行信贷风险决策模型。
Through introducing the theory and the methods of incentive mechanism design from the point of view of the minimum of the funds risk a credit-risk decision model for banks is established.
信贷业务是商业银行决策最复杂、管理最困难、风险防范最迫切的资产业务，也是银行最为重要的利润来源。
The credit business was the most complex for decision, the most difficult for management, the most urgent for risk control and the most important profit of the commercial bank.
信贷审批系统将为今后商业银行建设数据仓库，决策分析等提供最为基础的数据。
In the future credit approval system will provide the most basic data in the building of data warehouse and decision Analysis for the commercial bank.
本文首次提出并研究了信贷风险决策机制。
This dissertation presents and investigates the credit-risk decision mechanism (CRDM) for the first time.
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.
2004年以来决策层实施了收紧土地、信贷从紧、打压房价的房地产新政。
Since the year of 2004 , the decision-making strata has implemented the new policy of tightening land, the credit , force down the price of real estate.
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.
但是如果巴西要在不失控的情况下管理其当前的信贷泡沫，将需要高超的政策决策。
But Brazil will need skilful policymaking if it is to manage down its current credit bubble without losing control.
全球信贷危机打击了日本之外亚洲地区外需的前景，迫于这种压力，本地区决策者纷纷致力于增进本国内需的增长。
The global credit crisis and its attendant implications for the outlook for external demand for the AXJ region led policy-makers to push for stronger growth in domestic demand.
在信贷退出中，只有商业银行的信贷退出决策成为可以置信的承诺，才有助于维系双方的合作。
Only when the decision of loan exit is made authentic promise by the Banks, can it be helpful for the cooperation...
在信贷退出中，只有商业银行的信贷退出决策成为可以置信的承诺，才有助于维系双方的合作。
Only when the decision of loan exit is made authentic promise by the Banks, can it be helpful for the cooperation...
应用推荐