贷款损失 meaning in Chinese
loan loss
Examples
- Loan loss reserve
贷款损失储备金 - Through analyzing the important indexes of the guarantee multiples , the duty ratios , the loan loss rate and so on , the paper finds out the relationship among them and decides the suitable control indexes
3 、定量分析法。通过对担保倍数、责任比例、贷款损失率等重要指标进行定量分析，找出它们之间的关系，确定合适的担保控制指标。 - Credit asset securitization has the function of improving bank ’ s capital adequacy , but the improving degree is limited . compared with issuance of long - secondary bond or stock , the effect of securitization is much weaker than that of the former , which works by increasing bank ’ s capital directly
就不同性质的证券化资产而言,与优良贷款证券化相比,不良贷款证券化会对不良贷款损失进行扣减,从而减少银行的资本,故它对银行资本充足率的改善效果较差。 - It can be found that the two models can measure the credit risk better and their numerical values of the var are relatively close , which means that at a certain confidence level , the portfolio ' s maximum loss calculated under the default model is familiar to the maximum loss in value resulted from the credit metrics model . however , under the default model the standard deviation of the loss of the loan is a bit more than the one which deviates from the average value of the loan under the credit metrics model ; in addition , the conclusion also demonstrates that the two models have some differences in the measuring the capital reserve to some extent
从结果可以看出，这两个模型均能较好地度量银行贷款信用风险，其计算所得的var值比较接近，说明在给定置信水平下所能达到的最大损失和所能达到的价值上的损失在数值上是相近的；不过，违约模型下贷款损失的标准差要比creditmetrics模型下的贷款价值偏离其均值的标准差要大些；此外，结论还表现出二者在计量资本金要求上有所差异。 - This thesis begins with new basel agreement ’ s requirement on capital adequacy rate , and then by elaborating on the regulations in our country which reflects principles and methods in new basel agreement and the realities in our country , it argues the regulations ’ effects on the capital adequacy of listed banks . after that , by analyzing concretely and evaluating the capital adequacy and allocation of eight assets impairment of the five listed banks between 2001 and 2005 , it reveals further the problems existing in allocation of assets impairment of the five listed banks and the influences of the problems on capital adequacy rate . in the end , conclusions are reached and suggestions are given
本文从新巴塞尔协议对资本充足率的要求出发,论述我国运用巴塞尔协议基本的原则与方法并结合我国的实际情况制定的规章制度对上市银行资本充足状况产生的影响,通过对五家上市银行2001 ~ 2005年中期资本充足状况和八项资产损失准备计提情况进行具体分析并评价其合理性和贷款损失准备的充足性,进一步揭示五家上市银行在资产损失准备计提中存在的问题和对资本充足率计算的影响,最后提出相关政策建议。