| 1. | Everything comes to him who waits except a loaned book
人之所望，天必与之? ?惟有已经借出去的书本不在此列。 |
| 2. | And commercial banks are reluctant to expose the idiosyncrasies of their loan books to the glare of market scrutiny
而且商业银行也不愿将它们贷款账簿的特质暴露在市场的注视之下。 |
| 3. | It is in the long - term interest of the community that the banks exercise great care in the management of the risks of the largest component of their loan book
在金管局监管银行工作中，按揭业务是重要的一环，我以下会集中谈一下。按揭贷款是银行最主要的贷款业务。 |
| 4. | As the quality of the loan books of banks deteriorates , depositors confidence in the banks may be affected to the extent of causing bank runs and even a financial meltdown
由于银行贷款帐册的质素转坏，存户对银行的信心可能会受到影响，更有可能会触发挤提，甚或金融危机。 |
| 5. | Given the concentration of the loan book of the banking system in mortgages , the behaviour of mortgage - paying households that are experiencing an increase in disposal income is i suppose an important factor
现在还不大清楚，但由于银行贷款业务以按揭为主，相信按揭供款减少令供楼人士支配收入增加，会是重要的因素。 |
| 6. | In switching their focus , the banks took pre - emptive measures to protect their mortgage loan books , which at the same time helped their borrowers , and tightened lending standards in the area of consumer lending
银行在转移业务焦点时，亦同时采取防患未然的措施，以保障其按揭贷款帐册，并协助其借款人，以及收紧消费贷款的贷款准则。 |
| 7. | Deposit insurance is also quite common now and so deterioration in the quality of the loan book of a bank with low capital adequacy is less likely to undermine the confidence of depositors and lead to a banking crisis
此外，存款保障制度现已颇为普及，因此当某一间银行资本充足比率低而贷款质素又变差时，存户信心受到动摇以致触发银行危机的可能性将会较小。 |
| 8. | Rather than competing aggressively to expand their loan books in a weak economic environment , banks generally shifted their strategies to focus on diversifying revenue sources to treasury business , fee - based financial products and wealth management
面对疲弱的经济环境，银行改变策略，放弃积极竞逐贷款业务，转而集中发展资金管理业务、收费金融产品及财富管理等，以拓展收入来源。 |
| 9. | T refers to the total amount of credit card receivables written off the loan book during a period irrespective of when a charge is made to the profit and loss account , which may be earlier if it is the institutions policy to create provisions at an earlier time than the amount is written off
撇帐额指在一段期间内从贷款帐册中撇除的信用卡应收帐款总额无论机构在何时将有关撇帐计入损益帐内，因为若机构的政策是预早在撇帐前提拨准备金，则计入损益帐的时间便会比实际撇帐时间早。 |
| 10. | Refers to the total amount of credit card receivables written off the loan book during a period irrespective of when a charge is made to the profit and loss account , which may be earlier if it is the institutions policy to create provisions at an earlier time than the amount is written off
指在一段期间内从贷款帐册中撇除的信用卡应收帐款总额无论机构在何时将有关撇帐计入损益帐内，因为若机构的政策是预早在撇帐前提拨准备金，则计入损益帐的时间便会比实际撇帐时间早。 |
