补偿贷款 meaning in Chinese
compensatory financing
Examples
- Compensatory borrowing offers a cheaper route to stability because money is cheaper to store and administer than commodities .
补偿贷款对稳定提供了省钱的途径，因为货币的储存和管理所需的费用比商品的费用低廉。 - China ' s banking industry is transforming from relationship banking to price banking , which will lead banks to give more credit to the borrowers and projects with low risk and high return . as s result , the credit of vulnerable borrowers will be much more rationed . the relationship between banks and customers will be substituted with contract interests , and removing the interest cap can drive banks to compensate risk with higher interest only if the corporate governance of both banks and enterprises stays in a state of scientific check and balance
论文探讨了银企关系、抵押品与信贷配给的关系，主要结论有：中国银行业正在经历从关系银行业到价格银行业的转变，这一转变将使银行贷款向风险低、收益高的借款者或项目倾斜，弱势借款者可能更加遭受信贷配给；只有当银行和企业的公司治理结构都比较健全时，银企关系才可能在很大程度上被交易合同中的利率变化所替代，也只有在这种情况下，利率市场化才能使银行有可能用提高利率来补偿贷款风险，从而一定程度降低信贷配给的程度；提高社会诚信环境，明晰产权并完善财产交易制度，有助于缓解信贷配给状况。