『壹』 全国各银行贷款总额英文怎么写
全国各银行贷款总额
[词典] all-bank loans;
loans 英['ləʊnz] 美['loʊnz]
n. 借出物，借款( loan的名词复数 );
v. 借出，贷与（尤指钱）( loan的第三人称单数 ); 出借（贵重物品给博物馆等）;
[例句]Thousands of its customers are in arrears with loans and mortgage payments
有数千客户拖欠其贷款和抵押贷款还款。
『贰』 跪求有关银行信贷的外文文献～最好附中文翻译的～～
参考来源：JSTOR
China's fast-evolving consumer finance market
Contents
1. Footnote
China's consumer finance instry lags far behind the economy as a whole. In 2007, consumer finance balances still came to less than 13 percent of GDP, below India and far below Singapore and South Korea. Should recent growth rates persist, consumer lending promises to exceed 8 trillion renminbi ($1.2 trillion) by 2014, up from today's 3.7 trillion renminbi.( n1) But that calculation understates the market's latent potential. If consumer lending on the mainland rose to Taiwan's level, for instance, the shift could unleash as much as 10 trillion renminbi in net new consumption over the next five years--an enormous opportunity for banks and retailers.
China's people now have limited credit options. Mortgages account for 90 percent of lending to consumers, who have few choices in key proct areas, such as auto loans, credit cards, and personal loans. But the market has grown rapidly in recent years. Credit card issuance is skyrocketing, from 3 million cards in 2003 to 128 million by the end of 2008. Indeed, card issuance could surpass 300 million by 2013. Similarly, unsecured personal loans and installment loans, long the domain of underground lenders, have grown at an annual rate of 33 percent since 2006, to 744 billion renminbi, as leading domestic banks and consumer finance specialists strengthened their risk-management capabilities.
For foreign and local lenders jockeying for position in China's fast-evolving consumer finance market, we see several keys to success.
1. Recognize the market's diversity. China is a collection of local markets, each at a different stage of development, with distinct risk profiles and unique consumer preferences. These markets generally evolve through three stages of development: nascent (such as Sichuan), emerging (Jiangsu), and maturing (Shanghai). Lenders should take a portfolio view, focusing on the most promising markets, but with enough diversity to capture the next wave of growth.
2. Find a proct portfolio that matches consumer preferences. In a sense, consumer-lending procts are fungible. Many consumers balance their savings and borrowing in the aggregate, not by indivial procts. Some countries (such as South Korea) have high levels of credit card usage; others rely more on cash and personal loans. In the present early stage, the ultimate proct balance in China remains to be determined. Finding the right mix may prove crucial to success in China's fast-growing market.
3. Know the rules and their evolution. New regulations issued by Chinese banking regulators in the spring of 2009 give local and foreign banks and consumer finance specialists greater access to the market, in the form of consumer finance companies. While initially restricted to offering installment loans to retail customers with previous track records in borrowing, such companies will probably enable attackers to participate in the unsecured consumer-lending sector more quickly and at greater scale. In addition, the further deregulation of credit cards has allowed overseas banks to issue renminbi-based ones. These banks should target clear segments and develop the ability to serve the broader market.
Would-be players in such a new market must tread carefully. To assure responsible lending and borrowing, the government must strengthen credit bureaus, improve financial ecation, support 'new to credit' procts (for instance, low-limit or collateralized credit cards), and allow consumer finance balances to be securitized. Regulators and lenders must work together to improve risk management, especially the ability to identify and address organized fraud. The government must become better at spotting national and local credit bubbles.
China can manage the risks and has ample room to expand consumer credit--safely.
中国的快速发展消费金融市场
内容
1。脚注
中国的消费金融业远远落后于整体经济。 2007年，消费信贷余额仍然发生了不到国内生产总值的百分之十三，低于印度，远远低于新加坡和韩国。如果最近的增长率持续下去，消费贷款承诺2014年将超过8万亿人民币（1.2万亿美元），从今天的3.7万亿人民币。（n1）重的计算，但低估了市场的潜能。如果消费者在大陆的贷款上升到台湾的水平，例如，这种变化可能引发在未来5年高达10万亿人民币的净新的消费多 - 为银行和零售商的巨大机会。
中国人民现在是有限的信贷方案。抵押贷款占贷款的百分之90的消费者，谁在关键产品领域，如汽车贷款，信用卡几个选择，以及个人贷款。但市场发展迅速，近年来。信用卡发行是暴涨的3万2003卡，为128万，到2008年底。事实上，发卡可能超过3.0亿，到2013年。同样，无抵押个人贷款和分期付款贷款，长期贷款的地下领域，增长百分之33在一年增长率自2006年以来，至744亿元人民币作为国内领先的银行和消费者金融专家，加强其风险管理能力。
对外国和本地贷款在中国的快速发展的消费金融市场领导地位的竞赛中，我们看到一些成功的关键。
1。认识到市场的多样性。中国是一个本地市场的集合，每个在不同的发展阶段，不同的风险状况和独特的消费偏好。通过这些市场一般发展三个发展阶段：新生（如四川），新兴（江苏），和成熟（上海）。贷款人应采取组合的看法，在最有希望的市场为重点，但有足够的多样性，以捕捉到下一个发展浪潮。
2。查找产品组合相匹配的消费偏好。在某种意义上，消费信贷产品互换。许多消费者平衡储蓄和借贷总额由个别产品，而不是。如韩国的一些国家（）有信用卡使用率很高的水平;别人更多地依靠现金和个人贷款。在目前的初期阶段，在中国最终产品的平衡还有待确定。找到合适的组合可能是极端重要的在中国的快速成长的市场取得成功。
3。知道规则及其演变。由中国银行监管机构在2009年发布给当地和外国银行和消费者金融专家更自由地进入市场，消费金融公司的形式，春天的新规定。虽然最初仅限于提供分期贷款，在贷款前纪录的零售客户，这些公司将可能使攻击者在无抵押消费贷款部门的参与更迅速，规模更大。此外，信用卡的进一步放松管制已经允许外资银行发行人民币为基础的。这些银行的目标应明确部门和发展服务的能力，广阔的市场。
想要成为这样一个新的市场参与者必须谨慎行事。为了保证负责任的贷款和借款，政府必须加强征信机构，完善金融教育，支持新的信贷的产品（例如，低限制或抵押信用卡），并允许消费者将证券化融资余额。监管机构和贷款人必须共同努力，改善风险管理，特别是能够识别和处理有组织的欺诈。政府要更好地察觉成为国家和地方的信贷泡沫。
中国可以管理风险，有足够的空间，扩大消费信贷 - 安全。
『叁』 还清贷款的英文是
A:pay off the loan 还清贷款
B:pay on the loan (pay on account是“先付...”的意思)
C:pay down the loan 当场支付贷款/用现金支付贷款(此时不应叫做贷款 因为你已经当场还款了)
『肆』 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
『伍』 小额贷款用英文怎么说
小额贷款
[词典] petty loan;
[例句]美国专营以债务人人寿保险为担保的小额贷款和消费信贷的银行扩大出口信贷和信用保险，加大对出口的支持。
Morris plan bank We will expand export credit insurance and provide more support for export.
『陆』 请教几个词的英文翻译： 1、质押融资通知表 2、质押融资扣款通知表 3、即时转帐借贷记通知表
4、清算帐户日报表（4th, settlement account day report form）
5、单边业务存取款借方发生额（5th, unilateral service deposit funds debit side has the volume）
6、单边业务借方发生额（6th, the unilateral service debit side has volume）
7、业务信息收费金额（7th, business information charge amount）
8、同城轧差净额贷方发生额（8th, the same city offsets balances net amount credit side to have the volume）
『柒』 货币净回笼的英文是什么
withdrawal of currency from circulation
广义的讲货币回笼是指国民经济各部门向银行存入现金的过程和结果。
中国国民经济各部门在其经济活动中所收入的现金，一般都按国家现金管理的规定，除保留必要的库存备用金外，都要存入其开户银行。居民的个人收入，国家也鼓励储蓄。银行将各部门、各单位和城乡居民存入银行的现金按不同类别分项编列现金回笼计划。现金回笼的渠道有：：（1）“商品回笼”，通过增加商品供应，扩大销售收入回笼资金；（2）“服务回笼”，通过提供劳务和服务回笼资金；（3）“财政回笼”，通过财政税收收入，例如征收个人所得税，自行车牌照税等回笼现金；（4）“信用回笼”，通过银行收回贷款，例如，收回农贷、个体工商户贷款回笼现金。在银行现金收入已定时，可以通过压缩现金支出，实现现金回笼，如减少行政管理费用支出，压缩集团购买力等。
通常指现金的回笼，即银行现金收入大于现金支出，意味着减少流通过程原有的现金数量。积极组织现金回笼，可以收回流通中过多的货币量，保证市场现金流通量同消费品供应量相适应，有利于货币流通的稳定。另外，如果把活期存款也作为货币时，货币回笼则指流通中减少的现金和活期存款。
『捌』 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。
『玖』 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~
『拾』 净值贷款 翻译 english
从来没听说过什么net value loan....
应该叫equity loan，如果是我理解的净值贷款...