1. 麻烦帮我翻译成中文!!
率下降了，马刺也跌了
30年固定利率抵押贷款，跌破4%点，可能引发的再融资繁荣
同许多借款人谁已经采取了利用最低的利率。
根据一项调查由瑞士信贷集团在星期四，贷款人提供一个平均速度
3.91%个30年固定利率抵押贷款借款人支付”，“或费用，价值1%的
贷款余额。
威尔斯法戈公司的广告在其网站上星期五下午3.875%率在30年固定利率
抵押，收费1%的贷款。
抵押贷款利率在过去的这个星期后，美联储星期三宣布
开始春耕从其投资组合的价值885000000000美元的政府贷款债券
反抵押贷款。造成集会在抵押贷款市场，因为美联储的行动，消除了
风险，中央银行会被迫出售其抵押贷款再融资增加。
抵押贷款已很少便宜。1961美国国家经济研究所
研究表明，贷款给二战老兵在1940年代后期可用4%
率。
超过60%的借款人有30年固定利率抵押贷款可以减少他们的抵押贷款利率
一个百分点，从42%月初威严的，根据瑞士信贷。
2. 请教：信贷余额和贷款余额各是什么意思,他们之间的区别。（银行内贷款系统）
通常讲的信贷余额指的是银行给你的一个授信额度，你用了一部分，剩下的那一部分就是信贷余额。贷款余额是你在银行贷款后，可能有还贷，实际还剩下的贷款数量，也就是你还欠银行多少钱。授信额度=信贷余额+贷款余额。
打个比方，银行根据你的年收入、家庭情况、负债情况、征信情况等等给你核一个30万元的额度（也就是你最高可以在该行贷出30万元），然后你获得30万元，期间你还贷5万元，那么你的贷款余额就是30-5=25万元，即你实际欠了银行多少钱；信贷余额就是你还清的那一部分5万元。如果你没有还贷，贷款余额就是30，信贷余额0万元。 范围不同。贷款的范围要广一些，它包括了抵押贷款、无抵押贷款两大类；而信贷仅指无抵押贷款，也就是说，借款人申请贷款无需提供抵押担保，凭借个人信用向贷款机构申请贷款。
风险不同。因为信贷是在无抵押的情况下放款，所以贷款机构承担的风险较大；而贷款涉及到抵押贷款，也就是说，借款人办理抵押贷款时，需要提供符合贷款机构要求的抵押物作担保，在这种情况下，贷款机构承担的风险就要小很多。
贷款利率不同。与贷款中的抵押贷款相比，信贷的贷款利率要高很多。
拓展资料
信贷是体现一定经济关系的不同所有者之间的借贷行为，是以偿还为条件的价值运动特殊形式，是债权人贷出货币，债务人按期偿还并支付一定利息的信用活动。贷款是银行或其他金融机构按一定利率和必须归还等条件出借货币资金的一种信用活动形式。
信贷不是指信用贷款。“信用贷款”中的信用是狭义的信用，是指不提供担保（担保分为保证、抵押、质押），而单纯凭借信誉而取得。而信贷里的“信”，是指借贷行为，与是否提供担保无关。之所以被称为“信贷”，是因为无论提不提供担保，这都是一种信用活动，借贷双方都要以“信用”作为基础，其特点是以收回为条件的付出。
3. 金融机构各项贷款余额是什么意思
金融机构发放的各项贷款的期末合计数 ，如年末数、季度末数和月末数等
4. 海南省银行机构本外币贷款余额用英语怎么翻译
Local and foreign payment balance of Banking institutions , HaiNan Province,
5. 金融机构各项贷款余额是什么意思
金融机构各项存贷款余额指某一时点金融机构存款金额与金融机构贷款金额。其中金融机构主要包括商业银行和政策性银行、非银行信贷机构和保险公司。
金融机构贷款是指：企业向商业银行和非银行金融机构借入的资金。其中商业银行是国家金融市场的主体，资金雄厚可向企业提供长期贷款和短期贷款，因此商业银行贷款是企业负债经营时采用的主要筹资方式。
6. 请帮我翻译几个单词：小买家， 打包信用证， 出口押汇，预付货款，贷款余额
小买家purchaser for small amount of goods
打包信用证，packing L/C
出口押汇，Import Bill Advance
预付货款，down payment
贷款余额 balance of the loan （只有这个不太确定。。。。）
希望能帮到你 呵呵
7. 帮忙翻译一篇关于银行的文章啊！
Shanghai Countryside Commercial bank is in the whole city 1 city association society, 14 area county federations of communes, 219 credit association's foundation the whole remanufacture be established joint stock system commercial bank, its origin may trace to the 20th century 50's China countryside cooperativization movement initial period, until now already some 50 remaining years of life history.
After the long-term development and several generation of agricultural letter person's unceasing endeavor, Shanghai Countryside Commercial bank already became the Shanghai rural finance the important constituent, was Shanghai has one of influence financial organs.At present, Shanghai Countryside Commercial bank has business mesh point 330, the staff total approximately 4000 people.Up to August 22, 2005, the Shanghai Countryside Commercial bank total property 116,000,000,000 Yuan, each deposit remaining sum amounts to 96,800,000,000 Yuan approximately, each loan remaining sum amounts to 56,500,000,000 Yuan, in the capital bank organization has certain market niche in the whole city.
After Shanghai Countryside Commercial bank had been established, in will inherit the countryside credit association more than 50 year development histories, the service characteristic and in the cultural tradition foundation, setting up and the realization science development view, persisted “will legally gather the gauge, the steady management, the foothold long-term, will dare to innovate, the cultivation characteristic” the management idea, persisted the service “three agriculture” and the suburbs economy community retail sales bank basic localization, will establish the perfect modern commercial bank to manageThe management system and the mechanism, speed up the service development, the consummation will control from the inside the mechanism and the risk management system, the repayment society, the repayment customer, the repayment shareholder, will strive for soon constructs into “the capital sufficient, controls from the inside strict, the operation security, the service and the benefit is good”, and will have own characteristic modern countryside commercial bank.
The Shanghai Countryside Commercial bank management scope is: Absorption public deposit; Provide short-term, intermediate stage and long-term loan; Handles the domestic and foreign settlements; Handles the bill to accept with the discount; The proxy distributes, the proxy cashes, sells on consignment the government security; Business government security, financial bond; Is engaged in the same business to borrow; Is engaged in the bankcard service; The foreign exchange deposit, the foreign exchange loan, the foreign exchange remittance, the international settlement, the same business foreign exchange borrows, credit information, consultation and testimony service; Proxy receipts and disbursements fund and agent insurance business; Provides the safe deposit box service; By Chinese Banking instry Management by supervision board approval any other business.
8. 银行的资产总额、存款余额、贷款余额，分别是什么意思麻烦详细解释。谢谢！
资产总额指企业/公司/单位拥有或控制的全部资产。包括流动资产、长期投资、固定资产、无形及递延资产、其他长期资产等，即为企业资产负债表的资产总计项。 一般可以认为，某一会计主体的总资产金额等于其资产负债表的“资产总计”金额。
存款余额就是某银行存款帐户的某时点的余额。
贷款余额：客户在银行的贷款的余额。如客户在银行有按揭贷款50万元，如果他每月偿还1万元，一年后他的贷款余额为50-12=38万元。
9. 帮忙翻译！不要机器翻译！可以简单一些 但是千万不要用机器翻译噢～～
A. I think the most important financial center construction of basic condition of three.
First, to the financial procts and financial service requirements. This is the most basic conditions of financial center.
Secondly, the financial center in the country except system level in the financial stability, currency stability, must be very free, is a place of business. Financial center should be trading lowest cost, efficiency is the highest and largest trading volume of a transaction center, it is to be a prerequisite for financial center.
Third, the financial centre will have good financial system, legal system, property rights system to ensure that the system is transparent, free, fair, not by any company here unfair restrictions and discrimination. Financial centre is based in the intermediary service, on the basis of the intermediary service is the foundation of the credit and credit itself is the guarantee of system.
These three conditions is the foundation of financial center, the three conditions to talk about the financial center.
Second, shenyang as northeast financial center
In the four northeastern shenyang and dalian city of Harbin, changchun, who can truly to undertake responsibility of northeast financial center? Compared with the other three cities in shenyang, northeast China's financial centre as the advantage is more outstanding.
First, the regional advantages
Shenyang is the largest urban centers in northeast China. Located in northeast Asian economic circle of the bohai economic circle, and the center is an important strategic position. In shenyang as the center, the radius of 150 kilometers, within the scope of the focus on basic instry and processing instry of eight cities, abundant resources, structure, strong complementarity of high grade technology in central urban agglomeration in liaoning. In shenyang, northeast China owns the biggest civil aviation airports, railway marshalling yard and the highest level of "a" high net shot five rings. Shenyang in the central part of northeast node, with Japan, Korea, Russia and Mongolia nation of many important cities, in isometric within the unique geographical advantages of world major ports communication is the development of dalian, jinzhou port and yingkou port, shenyang, no more than 400 km, with a unique geographical advantages, as the center of the city of shenyang, northeast of peripheral and even the whole country has strong absorption, radiation and driving force.
Second, the financial personnel system
Strong financial personnel system is the necessary conditions for the development of finance, financial center with high-quality financial
Professional talent is the key competitiveness, so each financial center in creating favorable conditions
Good financial professionals. In recent years, the rapid growth of economy and finance center of construction for financial
Professional growth and development to provide a broad space, attracted large quantities of outstanding financial professionals.
(1) increase total talent
(2) general keep young talents
(3) talents ecation structure
Third, the economic strength
In recent years, especially after the implementation of the strategy of rejuvenating northeast of shenyang, average growth in GDP in more than 15%, local fiscal revenue for successive years of growth, achieve more than 30% in domestic deputy provincial cities, At the same time, shenyang financial support role of economic growth. According to not complete count, 2008, the city has all kinds of financial institutions, 75, financial network more than 1,100 employees, more than 50,000 people. Foreign currency balance in all to 540 billion yuan, loan balances 3300 billion yuan, the banking institutions of the three northeast provinces instrument volume 2/3, the currency amount in the cage. At present, shenyang northeast of China has become an important regional financial center, deposit balance, insurance and insurance density, the depth of the number of financial institutions, financial openness in the main financial indexes in northeast China, the regional financial management center, business center, financial center of finance macro-control constantly strengthened. The three northeast provinces competent people's bank branches in the finance in shenyang. Shenyang is the lujiazui financial and trade in national development zone approved by the state, with financial business for the provincial development zone instrial orientation of financial and commercial zone shenyang is located. Shenyang is China's financial and commercial development zone in Shanghai lujiazui financial and trade area only to financial and commercial properties of provincial development zone for.
10. 银行存贷款余额是什么意思
银行贷款余额也就是银行贷款业务的累积余额 银行贷款其实也是银行业绩考核的一个指标,所以银行对比较好的企业或项目的贷款时很积极的。