委托贷款

浙江化工生产商浙江龙盛集团股份有限公司（ZhejiangLongshengGroup，简称：浙江龙盛）在2013年的财报中称，该公司去年把提供给三家开发商的价值人民币1.995亿元的委托贷款延期。

Zhejiang Longsheng Group , a chemicals maker in eastern Zhejiang province , said in its 2013 earnings report that it extended the maturity on 199.5 million yuan worth of entrusted loans to three developers last year .

同时，也不允许WFOE将这些转移或转借的资金用于委托贷款。

The WFOE is also not permitted to use capital contributions or loans to make an entrust loan .

他说，社会融资规模存在着众所周知的概念性问题；亚洲开发银行盯的是M2以及单独的金融领域，例如委托贷款、银行承兑汇票等等。

' There are well known conceptual problems ' with TSF , he said . The ADB looks at M2 , he said , as well as separate financial segments such as entrusted loans and bankers ' acceptances .

WFOE不能把已经兑换成人民币的资金用于委托贷款，所以无法通过这种方式将首发募集资金借给VIE。

WFOEs cannot make entrust loans with funds that have been converted into RMB , so the WFOE cannot make a loan of IPO proceeds to the vie in this way .

通过两个发生在我们身边的典型案例&JS银行城市建设项目集合委托贷款和GD银行委托理财计划两个创新业务遇到的困境，提出问题，为什么商业银行的业务不能由市场决定？

The trouble two typical innovation cases run into , that are , JS Bank 's collective commission loan of city construction project and GD bank 's commission financing plan , it also poses the question of whether the market could determine the business operations for commercial banks .

论多方委托贷款及其风险控制

Discussion on the Loan on Many-sided Commission and Its Risk Control

解析委托贷款的契约安排

Explanation and Analysis of the Contract Terms of Principal Loan

委托贷款不得提取呆账准备。

No provision for doubtful debts shall be withdrawn on the trust loans .

同意你行开办金融机构同业委托贷款业务。

I.You are approved to launch the inter-bank entrusted loans business with financial institutions .

通过银行或非银行金融机构向关联方提供委托贷款；

Providing an associated party with entrustment loans through bank or non-bank financial institution ;

住房公积金贷款的全称是个人住房担保委托贷款。

The full name that housing accumulation fund borrows money is individual housing assures entrust loan .

银行委托贷款警钟急鸣

Bank - entrusted Loans Sound Alarm

中国的现行法律，银行和信托投资公司可以接受委托贷款。

China 's current law , banks and trust companies can be commissioned to accept the loan .

委托贷款全部收回，委托基金全部提走，本协议即自然终止。

Commissioned to recover all loans , all funds entrusted to withdraw , this agreement is naturally terminated .

不过，总体来讲，委托贷款的风险比其他类型的影子银行业务要低。

For the most part , however , entrusted loans are lower risk than other types of shadow banking .

若公司有委托贷款事项，也应比照上述委托行为予以披露。

If the company has entrusted loans , it shall disclose the issue with a reference to the aforesaid entrustment .

委托贷款曾是一项非常赚钱的业务，但现在不像过去那样为浙江龙盛带来巨额回报了。

Once a money spinner , entrusted loans are no longer generating major returns for Longsheng like they used to .

2012年委托贷款增加1.28万亿元，占当年新增人民币贷款的比例仅为16%。

That 's up from 1.28 trillion yuan in 2012 , when they stood at only 16 % of bank loans .

顿时，上市公司委托贷款成为众矢之的，引起了社会各界的广泛关注。

Suddenly , the listed Companies entrusted loan became " a target for all ", and aroused widespread concern in the community .

据上述两份报告显示，全部委托贷款中约有80%是在此类关联方之间进行的。

According to the two reports , about 80 % of all entrusted loans are between these kinds of ' related parties . '

作者相信，在商业银行和项目发起人加强角色定位和完善信息披露等前提下，集合委托贷款将会有较大的发展。

This instrument is likely to grow , especially if the roles of commercial banks and project sponsors are clarified and disclosure strengthened .

在委托贷款中，银行也只是在储户与借款人之间的第三方贷款中充当中间人。

Ditto with entrusted loans , where a bank acts as an agent on a third-party loan between a depositor and a borrower .

随着委托贷款的发展，委托人、受托人（金融机构）和借款人之间的纠纷不断增加。

With the development of the entrusted loans , disputes among the client , the trustee ( financial institutions ) and the borrowers increase .

部分商业银行开始牵头集合委托贷款项目，充当社会资金和城建项目的融资中介。

Some commercial banks debuted " public entrusted loan schemes " by intermediating funds between the social fund and the project of urban construction .

理论界在委托贷款法律关系性质问题上存在不同学说，司法实践中也存在较大争议。

The different theory of the nature of entrusted loans ' legal relationship , which results controversy between the theory and the judicial practice .

委托贷款虽然不是商业银行的核心业务，目前却成为企业融资和增殖的一种有效方式。

Although entrusted loans is not the core business of commercial Banks , it has become an effective way of financing and value-added at present .

但是对上市公司委托贷款业务全盘否定、因噎废食的做法也有欠妥当，应当在肯定的同时加以约束和规范。

But the listed Corporation commissioned loan total negation is wrong . We should be restricted and regulated in the affirmative at the same time .

金融企业不承担风险的委托贷款等资产，不计提呆账准备。

A financial enterprise does not have to set aside bad debt reserve for any entrusted loans , of which it does not bear the risk .

委托贷款主要被企业集团用来在各分公司之间转移现金，它为企业提供了一条在日常业务中管理资源的途径。

They are mainly used by conglomerates to move cash between units , offering companies a way to manage resources in the course of everyday business .

近几年，商业银行委托贷款业务迅速发展，为社会闲置资金的有效运用提供了良好的途径。

Entrusted loan business of commercial banks develops rapidly in recent years , and it provides a good way for the effective use of social idle funds .