贷款工作英语

㈠ 信贷员英语怎么说

loan officer

㈡ 各种“贷款”的英文词汇

instrial loan
工业贷款
agricultural loan
农业贷款
outstanding loans
未偿贷款
loan office
贷款处
interest-free loans
无息贷款
ficiary loan
信用贷款
special-purpose loan
专项贷款

貌似全了吧~

㈢ 在公司银行部负责企业贷款 英语作文

My view on bank loan
Nowadays,it is very popular and comon to have a bank loan for our peaple.someonethink it is good for us to release the pressure on money.However,some one still have the oppoosite view .They think it will make people to depend on bank loan only and do not want to earn money hardly.
But for me,I think bank loan is very convenient and important for us when we need money in a short time,such as when we have to go to hospital and have no money.
So,my viewpoint is that bank loan is benifit fou people.

㈣ 贷款 英文怎么说

buy
an
apartment
with
a
bank/mortgageloan.如果是抵押贷款，则是mortgage,如果不是，就是普通的银行贷款。
中国的房子一般都是apartment,国外的独门独院的叫做house。
an
apartment
financed
by
a
bank/mortgage
loan
这是名词表达，意思是用贷款支付的房子。

㈤ 银行贷款用英语怎么说

bank loans，英 [bæŋk ləʊn]；美 [bæŋk loʊn]。

例句：

.

不久前你为了买新公寓向银行申请了贷款？

重点单词loan的用法

1、释义

n.贷款；借出

v.借；供应货款

2、用法

1）用作及物动词S+～+ n./pron.

I have loaned his bicycle.

我把他的自行车给借出去了。

2）用作双宾动词S+～+ pron./n. + n./pron.

Can you loan me your tennis racket?

你能把网球拍借给我用一下吗?

3）用作名词 (n.)

The loan is interest free.

这贷款是无息的。

(5)贷款工作英语扩展阅读

loan同近义词辨析

1、loan, lease, lend这组词都有“借出”的意思。其区别是：

lend 是最普通的用语，loan 指“贷与”“借与”，是财会上的正式用语，,一般不用于私人关系的借贷，但在美式英语中， loan 和lend两个词通用；lease一般指出租房屋、土地等不动产。

2、lend，borrow，loan这些动词均含“借”之意。

1）lend指将自己的东西借出给别人，也可用于借喻意义。

2）borrow指从某人或某处借来某物，也可用作比喻。

3）loan指通过正式的手续，借数目较大的贷款。在美国也可指借出东西。

㈥ 关于银行信贷方面的人员职务用英语都怎么说

Bank credit to the staff on ty

Bank credit to银行信贷方面的 the staff 人员on关于 ty职务

㈦ 贷款用英语怎么说

loan
英 [ləʊn] 美 [loʊn]
n.贷款;借款;借用
vt.借，借给
vi.借出
词汇难度：CET4 / 考研 / IELTS / TEM4 / TEM8 / BEC
第三人称单数： loans 复数： loans 现在分词： loaning 过去式： loaned 过去分词： loaned
例句

The country has no access to foreign loans or financial aid

I am in need of a loan of a bike for a few weeks

He had kindly offered to loan us all the plants required for the exhibit

Many of these are on display in the Museum, but some have been sent out on loan to other museums.

David Speedie, on loan from Southampton, scored his first goal for Birmingham

㈧ 贷款经理英语怎么说

loan service officer, is better

㈨ 一般学金融的能选什么工作英文作文

经济学人：加拿大的住宅市场
Finance and Economics; 财经；
Canada's housing market; 加拿大的住宅市场；
Time for a bigger needle; 该出手时就出手；
The latest attempt to prick a bubble;戳破泡沫的最新举措；
经济学人：
Canada's
reputation for financial regulation is starry. Its banksgot through the
crisis unscathed. According to Moody's, a ratings agency, Royal Bank of
Canadasits alongside HSBC and JPMorgan Chase in the top tier of global
banks. And Canadianpolicymakers are old hands at pulling
“macroprudential” levers of the sort now in vogue amongrich-world
central banks.
加拿大的金融监管一向广受赞誉.它的银行业在这场危机中做到了独善其身.根据评级机构穆迪的报告,加拿大皇家银行与汇丰银行以及摩根大通同列,跻身全球银行界的第一梯队.同时,加拿大的政策制定者也是运用宏观审慎政策的老手,这一政策如今也常被其他富国的央行使用.
But
questions still nag. Some say that Canada's banks are flattered by a
huge indemnity offeredby Canada Mortgage and Housing Corp (CMHC), a
public institution that insures mortgages witha loan-to-value ratio of
more than 80%. CHMC's book grew to 567 billion Canadian Dollar(557
billion Dollar) in 2011, up from 345 billion Canadian Dollar four years
earlier. And Canada'shousing market looks very frothy on some measures:
The Economist's analysis of price-to-rentratios suggests that Canadian
properties were about 75% above their long-run “fair value” in thefirst
quarter of 2012 (see chart). Although less than 0.5% of CHMC's mortgages
are in arrears, such exuberance is a worry. The central bank recently
labelled housing as “the most importantdomestic risk to financial
stability in Canada”.
但是,仍有问题缠身.部分人士认为,加拿大的银行被加拿大抵押和住房公司（CMHC）提供的巨额补偿
金美化了,CMHC是一家为贷款估值比率超过80%的抵押贷款提供保险的公共机构.在2011年,CHMC的抵押贷款额从四年前的3450亿增长到了
5670亿加元（合5570亿美元）.并且,从一些指标来看,加拿大的房地产充斥着泡沫：《经济学人》以房价租金比所做的分析显示,在2012年第一季
度,加拿大的物业价格高出它们的长期公允价值75%.纵然仅有低于0.5%的CHMC抵押贷款存在拖欠的情况,但这样的繁荣仍让人忧虑.最近,央行也冠以
楼市 “危及加拿大金融稳定性的最大国内隐患”.
Repeated efforts by policymakers to take the
heat out of housing have not had a noticeableeffect. So on June 21st Jim
Flaherty, the finance minister, had another go, his fourth in
fouryears. Some of the new measures were cosmetic. Buyers of homes worth
more than 1m Dollarhave been able to get mortgage-default insurance
from CMHC with a downpayment of only 5%. In practice, it is hard to find
buyers in this bracket who do not have lots of equity in their homes.
But after July 9th mortgages for homes of this value will not be
eligible for CMHC coverage.
政策制定者们给楼市降温的不断尝试并无明显成效.于是,在6月21日,加拿大财长吉姆·
费拉逖,在四年来第四次出台了一些新举措.新措施中的一些不过是表面功夫.价值过百万美元住宅的买主能得到由CMHC担保的债务违约保险以及首付仅付5%
的优惠待遇.而事实上,很少有这类购房者在购房时不以大量自有资金支付价款的.不过,在6月9日之后,这类住宅将不再适用于CMHC的保险范围.
Other
measures have more teeth. The maximum amortisation period for a
mortgage will now be25 years, down from 30. That should hurt demand:
last year about 40% of new mortgages werefor terms longer than that.
Refinancing a home will be allowed only up to 80% of its value, downfrom
85%. Homebuyers will have to demonstrate their housing costs are no
more than 39% oftheir gross household income. On top of Mr Flaherty's
measures, the Office of theSuperintendent of Financial Institutions,
Canada's banking regulator, slapped a loan-to-value limitof 65% on
borrowing against home equity.
其他那些则更为有力.抵押贷款最长还贷期限如今将从30年降低至25年.这势必将
减少需求：去年约有40%的新贷款的期限是超过25年的.允许的房屋再融资的上限从房屋价值的85%降至只有80%.购房者还须证明他们的住房支出不超过
家庭总收入的39%.费拉逖的举措中,紧随其后的是,加拿大的银行监管部门,联邦金融机构监督办公室,将贷款和自有资金间的贷款估值比率的限制猛降至
65%.
Craig Alexander, the chief economist for TD Financial Group,
estimates all this will be theequivalent of about a 1% rise in mortgage
rates for most homebuyers. He believes that willproce a slow unwinding
of the housing market. If he is right, and Mr Flaherty's
variousinterventions avoid the collateral damage that would be caused by
an actual interest-rate rise, Canada's admirers will have another thing
to swoon over.
多伦多道明银行金融集团首席经济学家,克雷格·亚历山大估计,所有这些措施对于购房者而言将等同于抵押贷款利率上
升1%.他认为这将促使房产市场缓慢回归.如果他的观点正确,并且费拉逖的各种干预手段能够避免可能引发实际利率上升的附带伤害,那么如此一来,加拿大的
崇拜者们又将有一个可以津津乐道的话题了.

㈩ 求关于"存款"和"贷款"业务的英语短篇(搭边的都行)十分感谢viki

�Corporate Demand Deposits

Demand deposits take the form of deposits in the settlement account and in the fund account of businesses and non-profit organizations, and may be withdrawn at any time.
Demand deposits are managed by account. There are four types of demand deposit accounts, namely basic deposit account, general deposit account, temporary deposit account and special-purpose deposit account.

Target Client
Businesses, non-profits, government agencies, military units, associations, proprietors and indivials within the PRC who are eligible according to PBC regulations may open a demand deposit account at a CCB branch.

Interest
Interest rates are set by the PBC. Interest on corporate demand deposits are paid at the rate published on the date of interest settlement, even though the rate may have changed between the date of depositing and that of interest settlement.

Open a Demand Deposit Account
1、Basic Deposit Account

A basic deposit account is one that the depositor uses for day-to-day account transfer settlement and cash receipt & payment. It is the only type of account available for the withdrawal of salaries and bonuses. Each depositor is restricted to one basic deposit account at the bank.

（1）

The following depositor may apply for a basic deposit account at the local CCB branch

a legal-person business;
a branch that operates independently within a legal-person business;
a treasury department that manages budgetary and extra-budgetary funds;
a government agency or non-profit that operates on the government budget;
a military or armed-police unit above the county level;
a foreign institution in China;
an association;
a cafeteria, hotel or kindergarten affiliated with an organization;
an organization’s permanent office in a city away from the headquarters.
a proprietor or independent contractor.
（2）

The depositor must present one of the following documents when opening a basic deposit account

the original of its legal-person Business Permit or Operations Permit issued by the local instrial and commercial administration;
a statement of approval from the central or local organizational structure committee, human resources department, or civil affairs department;
a statement of approval from a military unit at or above the corps commander level, or from the finance department of the armed police headquarters;
a statement of approval from the organization with which the depositor is affiliated;
a statement of approval from the competent authorities of the city where a permanent office is located;
an outsourcing agreement signed by both the contractor and his/her client.
2、General Deposit Account

A general deposit account is used by a branch that does not operate independently and that is located away from the parent organization that holds a basic deposit account. The depositor may use the account for transfer settlement or cash payment, but may not make cash withdrawal.

（1）The client is eligible to open a general deposit account at a CCB branch if:

it receives a loan from CCB branch
it is a branch that does not operate independently and that is located away from the parent organization that holds a basic deposit account
（2）The client must present one of the following documents to the bank when opening a general deposit account

a loan contract or loan receipt
a statement of approval from the basic account depositor with which the dependent branch is affiliated
3、Temporary Deposit Account

A temporary deposit account is one opened for temporary operations. The depositor can use it for transfer settlement or for accepting or paying cash according to regulations.

（1）The client may apply to a CCB branch for a temporary deposit account if:

it is a temporary office away from the headquarters;
and the account is necessary for temporary operations.
（2）The depositor must present one of the following documents when applying for a temporary deposit account

a temporary license issued by the local instrial and commercial administration;
a statement of approval from the local competent authorities for the establishment of the temporary office.
4、 Special-purpose Deposit Account

The special-purpose deposit account is one opened for special purposes.

（1）The client may apply to CCB for a special-purpose deposit account for the following types of funds

funds for capital construction
funds for renovation
Funds for a special purpose and meriting a special account
（2）The client must present one of the following documents when opening a special-purpose account

a statement from competent authorities approving the project;
An acceptable government document

Fixed Asset Loan

Standard Definition

The fixed asset loan is a medium or long-term RMB or foreign currency loan made to the borrower for the construction, purchase or upgrading of fixed assets projects or supporting facilities.

Overview

A business or non-profit registered with the instrial and commercial administration may apply for a fixed asset loan when building plants, purchasing equipment or investing in other fixed assets. The borrower must meet the requirements of the “Loan General Principles” and those of the bank. Its projects must meet the following requirements: compliance with instrial policies and the bank’s credit policies; a capital ratio of at least 20%; definite sources of guaranteed supporting funds; advanced and adaptable technology and equipment; reliable sources of raw materials, fuel and energy, and compliance with environmental standards; marketable procts, competitiveness and reasonable returns that supports repayment; project management of green-field project.

Use

The loan is primarily used for the construction, purchase and upgrading of fixed asset projects and supporting facilities.

Categories

The loan may be either a capital construction loan or a technological renovation loan.

The capital construction loan is a medium or long-term loan used for capital construction, whether major, large-scale, medium or small projects. The technological renovation loan is a medium or long-term loan used for technological renovation, and may be either an upper-limit or lower-limit loan.

Currencies and Terms

1. Currencies: The loan is offered in both the RMB and foreign currencies.

2. Terms: For the capital construction loan, three years maximum for small projects, eight years maximum for large or medium projects, with the actual term determined according to project evaluation. For the technological renovation loan, generally five years for the upper-limit loan, six years maximum; generally three years for the lower-limit loan, five years maximum; with the actual term determined according to project evaluation.

Price

Set according to PBC or CCB regulations on loan interest.

Service Providers and Networks

The corporate services departments of CCB branches market the loan. They process applications, assess projects and provide customer services.

Client Process

1、Application

When the client files a loan application, it must provide: its operations permit; institutional code certificate; legal representative identification certificate; loan certificate; financial statements and auditing reports verified by a treasury department or a CPA firm for the previous three years and the previous month (if the business is less than three years old, it must provide all available financial statements); tax registration certificate; corporate contract or charter; list of directors, executives, and financial managers, and a sample of their signatures.

If the application is made by an authorized agent, the original of the legal representative’s authorization letter must be provided; if the client is a limited liability company, joint-stock company, joint venture or contractor company, documents that indicate the board of director’s or the contracting organization’s consent to the application must be provided.

Guarantor-related Documents; the client must provide background information on the project before applying for a “Statement of Loan Intent.” Before the client applies for a “Statement of Loan Commitment” and for a loan, it must provide: a project feasibility study; project budget information (original or photocopies); report on project preparation; documentation of self-raised funds, of measures to raise capital construction funds and operating funds not covered by the loan, and of sources of funds already raised; other documents required by CCB.

2、Sign the Contract

If CCB approves the loan, it will sign a loan agreement and a guaranty agreement with the client. If the CCP does not approve the loan, it will notify the client in a timely and definite fashion.

3、Guaranty

After signing the agreement, the borrower must provide a third-party guarantor, mortgages or pledges. It may need to register the mortgage, purchase insurance for the mortgaged property, or deposit the pledged rights with the bank.

4、Loan Disbursement

When the client completes the above proceres, the loan contract comes into effect. The bank may disburse the loan to the borrower, who may withdraw the loan amount for the uses specified in the contract.

5、Repayment. The borrower must repay the loan on time.

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