信用标准

基于AHP的施工企业信用标准体系研究

Research on the Credit Standard System of Construction Enterprises based on the Method of AHP

信用标准的制定从本质上来说是要根据企业的实际情况对赊销的风险和收益进行权衡，寻求一个优化的方案来实现利益最大化；

On the intrinsic of it , the framing of credit standard is looking for majorized scheme to carry out maximum advantage of company , based on company practical situation to compare the risk and the income .

构建基于5C的企业信用标准化评价体系是对信用标准化的有益尝试。

It is an instructive attempt to establish credit standardization evaluation system based on " 5C " .

次级按揭贷款并非仅是对现存信用标准的稍许放宽。

This subprime lending was more than a minor relaxation of existing credit guidelines .

谈我国信用标准的方案设计

The Framework Designing of National Standard for Credit

目前，最突出的问题就是企业信用标准不统一，信息难交换。

Currently , the biggest problem is that corporate credit standards are not unified and information exchange is difficult .

银行方才开始收紧信用标准，其中首次购房者受到的影响最大，而他们正是住宅市场的润滑剂。

Banks have belatedly tightened credit standards , particularly for first-time buyers , who lubricate the housing market for everyone else .

借鉴国际经验，加快信用标准化工作并把握好标准的设计是当前的一项重要任务。

So it is important to accelerate the work of credit standardization and grasp credit standards design well while learning from international standards .

在信用标准制定过程中，应通过综合分析，找出既不影响销售又不会增加风险的最优平衡点。

Credit standards in the process , through comprehensive analysis , to find out will not affect the sales will not increase the risk of the optimal point of balance .

信用标准为征信机构的设施建设、技术和操作提供了规范，对征信产品质量提出了明确的要求，必将对我国征信行业的发展产生重要影响。

Because of its regulation functions to the operations of agencies in the industry and to the quality of credit information reports , the credit standards will give big influence to the development of the industry .

采用模糊数学方法对企业商业信用标准进行了模糊评价，评价赊销客户的资信程度，从而可以有效地控制信用不良客户对企业所带来的信用风险。

The essay focus on the judgement of commercial credit standard with blurred maths methods , evaluates the fund credit level of customers who sell on credit , so as to effectively control the credit risk taken to enterprises by bad credit customers .

信用卡标准与银行竞争：基于网络经济学角度的分析

On the Credit Card Standard and the Competition among Banks

信用评级标准化与信用迁移矩阵各要素间关系研究综述

Summarization of Relationships between Credit Rating Standardization and Each Factors of Credit Transition Matrix

因此，在缺乏信用等级标准的参考指标下，资本市场中的资金将无法充分发挥应有的效应。

Therefore without a reference index of credit quality in capital marker , the fund will not be fully effective .

由此可见，设计出一套适合中小企业的信用评价标准刻不容缓。

This shows that it is urgent to design a set of credit evaluation standards which are suitable for small and medium-sized enterprises .

进行合同审定，建立信用评价标准，管理资金收支，三年多来未发生坏账损失。

To contract approval , the establishment of credit evaluation standards , management of funds accounts , more than three years did not happen debts .

再如手机支付应用Moven，该应用最初打算给用户的社交媒体可信度评分，与传统信用衡量标准一同作为参考。

Another is Moven , a mobile payment app , which originally set out to score customers " social media credibility alongside traditional credit measures .

信用评级机构标准普尔（StandardPoors）上周警告称，（俄罗斯银行的）不良贷款率可能高达38%。

Standard Poors , the credit ratings agency , warned last week that problem loans could reach as high as 38 per cent .

信用评级机构标准普尔（StandardandPoor's）调低了对纽约债券保险公司ACA的评级，并警告称，另外5家公司也有可能失去最高信用评级。

Standard and Poor 's , the credit rating agency , downgraded one bond insurer , New York-based ACA , and warned that five others could lose their top credit ratings .

信用评级机构标准普尔（SandP）早些时候把西班牙的主权信用评级调降了两级，再次打击了人们对西班牙的信心。标普预测，西班牙今年已经开始的经济衰退将持续到2013年。

Standard and Poor 's , the credit rating agency , earlier delivered another blow to Spanish confidence by cutting the country 's sovereign credit rating by two notches , predicting that a recession already under way this year would continue into 2013 .

以不良贷款率作为信用风险衡量标准，尝试构造商业银行信用风险评估的Logit模型，并结合t检验和主成分分析法对模型进行实证分析。

This paper uses non-performed loan rate to measure credit risks of commercial banks , and constructs the Logit model for credit risk evaluation .

各地独立实践与操作，制定了不同的信用信息征集标准及信用评级标准和模型。

Independent practice and operation lead to a variety of credit information collection standards and credit rating criteria and models .

湖南工行应当建立独立的风险管理制度，制定证券公司信用等级评定标准，完善授信业务管理。

Hunan Industrial and Commercial Bank should set up independent risk management system , make securities broker company credit grade criteria for evaluation .

对于信用证审单标准而言，法律不仅仅是一种制度安排，更是一种社会实践过程。

Regarding to the standard of examination of documents , the law is not only a system design , but a practical process .

不过，尽管我们的整体信用风险衡量标准好于两年前，但仍将意大利私营企业部门列为风险最高。

Still , our overall credit risk metric , while better than two years ago , places Italy among the riskiest private corporate sectors .

因此，构建一个有效适用的农户信用等级评判标准，无论对信贷机构还是农户以及其他利益相关者而言都具有重要的现实意义。

Therefore , to establish an effective suitable Farmers credit rating criterion has the very important realistic meanings for the credit institutions and the farmer .

而究竟如何来加以确定，还应当结合各国的经济发展水平、社会信用水平等标准予以确定。

And how to be determined , it should be combined with national economic development level , the level of social credit and other standards to be determined .

一年期贷款利率对于中国来说同样重要，因为银行使用它作为到期贷款和贷款者信用价值的标准，来衡量其他利率。

The one-year lending rate is important in China because banks use it to calculate other interest rates , based on the maturity of the loan and the creditworthiness of the borrower .

中国的农村银行业似乎是一个不容错失的机遇：7亿潜在储户，其中绝大多数人从未接触过信用卡或者标准的可变利率抵押贷款。

Rural banking in China seems an unmissable opportunity : 700m potential depositors , the vast majority of whom have never been within spitting distance of a credit card or a standard adjustable-rate mortgage .

在中国的银行停止向学生发行信用卡和标准消费者贷款18年后，中国建设银行和中国银行已经于五月份发起了为大学生定制的新的消费者贷款。

China Construction Bank , and Bank of China in May initiated new consumer loans tailored for university students , 18 years after Chinese banks stopped issuing credit cards and standard consumer loans to students .