| 1. | Banks were once the experts on whom they lent to , with inside knowledge on their borrowers
银行曾经熟稔于他们的贷款对象并具备借款者的内部信息。 |
| 2. | The contents , means and methods of select credit object are different according to different period
不同的时期，贷款对象选择的内容、方式、方法都不相同。 |
| 3. | The pro ective borrower of personal housing loan should be a natural person having a complete civil capacity
个人购置住房贷款对象应是具有完全民事行为能力的自然人。 |
| 4. | The prospective borrower of personal housing loan should be a natural person having a complete civil capacity
个人购置住房贷款对象应是具有完全民事行为能力的自然人。 |
| 5. | Select credit object should be suitiable to the particular - period economy system and the bank system which is decided by the former
贷款对象选择始终要与一定时期的经济体制以及由此决定的银行体制相适应。 |
| 6. | Select credit object is both a macro - issue , which is a part of a country ' s economic policy , a mean and contest of macro - control and a micro - issue which belongs to commercial bank ' s micro - manage policy
贷款对象选择既是一个宏观问题，是国家经济政策的组成部分和宏观调控的内容和手段；又是一个微观问题，属于商业银行微观经营决策的范畴。 |
| 7. | However , with the quickly growth of the residential mortgage market , the lower and lower loan limits , and the change of the borrower from the high - income residents to the medium - and low - income , the bank has been increasingly subjected to the exposure of mortgage default risk
但随着住房抵押贷款业务规模高速增长、贷款门槛逐步降低、贷款对象从金字塔塔尖转向塔腰以及住房业主还款高峰期的临近，银行所面临的住房抵押贷款的违约风险就日益突出。 |
| 8. | This document discuss the question about how to choose the loan client for the bank . on the basis of the research of the bank ' s loaning decision , we design the optimal loan rule so that the bank can ues it to choose the best loan client
我们以商业银行在贷款决策中遇到的客户选择为背景，通过设计贷款决策的最优停止规则，使得商业银行能够根据这种决策规则选择出”最好”的贷款对象(客户) ，从而使得银行在盈利性、流动性、安全性方面的目标得以实现。 |
