可以帮我把中文摘要翻译成英文的吗(信贷风险的)

聴説 2024-05-27 13:07:54
最佳回答
商业银行是办理货币信用业务的金融中介机构,其基本业务是负债和资产业务,商业银行通过负债业务把社会上的各种闲散资金集中到银行,在通过资产业务投向社会经济各部门. 商业银行再因此贷款具体操作过程中,包括贷款的申请,审披,发放,收回的步骤均存在诸多不确定因素,产生了所谓的信贷风险. 本文从信贷风险的特征出发,说明了信贷风险是必然存在的,是非人为因素所能左右的,本文以我国国情为立足点,阐述了我国信贷风险的成因以及现状,包括历史遗留下的部分问题. 信贷业务是商业银行的利润来源,其经营目的也是盈利,但由于信贷风险的存在使银行受益具有了不确定性,对于这一问题的解决西方发达**,亚洲发展**家的许多作法正相对成熟.我国商业银行可以借鉴来??的.通过对我国与这些**对信用风险防范做法的比较可以看出我国在信贷风险防范的手段上还不成熟,亟待改善,针对这些问题,本文提出了解决对策,信贷风险管理对于商业银行的经营管理的重要性是不言而喻的.当然惜贷风险防范这一工作在商业银行不断开拓创新的今天取得了一些成果,例如整个信贷风险管理体系,管理方法正日趋完善,但仍存在不足.对许多的潜在风险认识不清,信贷风险防范仍有很长的路要走.commercial banks are for the monetary credit from the financial intermediary, the liabilities and assets of its basic business ** business. commercial banking business through the balance of idle funds concentrated in society to the bank, business investment in the assets through various socio-economic sectors. commercial bank loans for further specific operation, including applications for the loan, put on trial, release, there are many uncertain factors recovery steps. the so-called credit r**k. in th** ** the character**tics of credit r**k that the credit r**k ** inevitable. it ** not artificial factors can about the condition of our country for a foothold in th** **. elaborated on china's credit r**k and the causes of the status quo. including some of the problems left over by h**tory. commercial bank credit ** a source of profit for their business purpose ** profit. however, due to the ex**tence of the credit r**k the bank has benefited uncertainty for the settlement of the **sue of western developed countries, many practices in developing countries in asia are relatively mature. - a reference to china's commercial banks. china's relations with these countries through the practice of credit r**k can be seen in china means the credit r**k ** not yet ripe. need of improvement to address these **sues, th** ** presents their solution. credit r**k management for the management and operation of commercial banks importance ** self-evident. of course, th** grudging lending r**ks and blaze new trails in the commercial banks today h**e achieved some successes. for example, the entire credit r**k management system and management methods are in the pipeline. but there are still insufficient. many a clear understanding of the potential r**ks, credit r**k ** still a very long way to go. 20210311
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