| 1. | The bad news : banks had no competitive incentive to learn proper risk management , or to introduce modern retail banking or consumer lending
坏的则是银行没有竞争动机去学习风险管理，引入现代零售银行或者消费借贷。 |
| 2. | The objective of these is to ensure that authorized institutions active in consumer lending have in place adequate systems to protect consumer data privacy
这些措施的目的是要确保活跃于个人贷款业务的认可机构备有适当的制度，以保障客户资料。 |
| 3. | Led by the revival in consumer confidence , consumer lending , particularly credit card business , expanded in 2004 , with much of the increase occuring in the fourth quarter
4 %增幅。然而，提供予非经营股票经纪业务的公司及个人用作购买股票的贷款上升11 . 9 % ，相比2003年的9 |
| 4. | With the outlook of the local economy and personal bankruptcy situation remaining uncertain , the quality of consumer lending portfolios will continue to be a major supervisory focus in 2003
由于本地经济及个人破产情况仍然不明朗，个人信贷业务质素将会继续是2003年的主要监管焦点。 |
| 5. | Arrangements have been made for the staff of affiliates without consumer lending capabilities , e . g . , leasing company and commercial corporation , to apply for a personal loan through trust company
公司有些机构无力提供员工借款时，公司可透过信托公司向租赁公司或金融公司安排员工借款。 |
| 6. | In response to this problem , the hkma stepped up its supervision of consumer lending , particularly in the credit card business , with a view to mitigating the credit risk faced by authorized institutions
为处理这个问题，金管局加强对个人信贷（尤其信用卡业务）的监管，以减少认可机构面对的信贷风险。 |
| 7. | With margins like these , it was hardly surprising that foreign financiers and hedge funds flocked into consumer lending in japan at a speed notably faster than mr kawamura ' s wobbly bicycle
正由于像这样的高利润，这就不奇怪外国财团和对冲基金蜂拥而入日本的消费贷款市场，其速度远胜川村先生不稳定的资金链。 |
| 8. | 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。 |
| 9. | Consumer lending contracted , particularly in the credit card business , in the light of the historically high level of personal bankruptcies and the sharp deterioration in the quality of credit card lending . according to the hkma s regular
由于个人破产宗数升上历史高位，以及信用卡贷款质素大为恶化，消费贷款，特别是信用卡业务方面的贷款收缩。 |
| 10. | The hkma will issue an industry guideline to require ais that engage in consumer lending to participate in the sharing of positive consumer credit data and to have in place adequate controls to safeguard customer data privacy
金管局将会发出指引要求从事个人信贷业务的认可机构参与共用正面的个人信贷资料，并制定适当的监控措施保障个人信贷资料。 |
