延长贷款期限 meaning in English
extended maturity
Examples
- In 1998 , the people ' s bank of china issued the administrative law of individual housing loans and allowed commercial banks to open individual housing secured loans , extend the loan term , which marked a new phase in the development of home financing in china . after this , the scale of granting home mortgages rapidly widened and the development was swift as by there year 2000 , the balance of home loans at the china construction bank and the industrial and commercial bank of china broke through rmb 100 billion yuan , of which , individual home mortgages became the most important growth point for credit in the real estate industry
1998年，中国人民银行出台了《个人住宅贷款管理法》 ，允许商业银行开办个人住宅担保贷款，延长贷款期限，这标志我国住房金融发展到一个新的阶段，其后住房抵押贷款发放规模的迅速扩大，发展势头迅猛， 2000年，中国建设银行和中国工商银行住房贷款余额均突破1000亿元，其中个人住房抵押贷款成为房地产信贷中最重要的增长点。 - However , this sort of loan has short time limit , small quantity and high rate , that influences the development of the small and middle - sized enterprise . there are two reasons for the shortage of the loan . the first reason is rest with the small and middle - sized enterprise : the small and middle - sized enterprise has not good credit condition , do not have good management records and permanent assets , the risk of management is big , the ability of competition is weak , the level of management is low and the consciousness of credit is dim . the second reason is rest with the bank
目前银行对中小企业惜贷主要有银行和企业两方面的原因,其中银行乃至整个社会大环境不是众多中小企业所能左右的,因而本文提出通过建立中小企业信用互助来增加银行对中小企业的信任水平、降低其对中小企业的风险厌恶程度,从而降低中小企业贷款利率、延长贷款期限、增加贷款额度,扩大其融资的可能性边界,逐步解决中小企业的融资困境。