Through the equation of balance sheet between assessment and debt, this paper reformulates the function with two stochastic process of credit risk and interest rate risk under the full consideration of the profile of the losses of bad debts of the commercial banks, deduces the function of loan rate under the maximum utility of profit margin of commercial banks.
在充分考虑了商业银行贷款中非正常贷款的本息损失的基础上,根据商业银行的资产负债平衡表等式,重新构造了商业银行在信用风险随机变化和利率风险随机变化下利润效用的泛函,求导了商业银行利润效用最大时的放款利率函数,应用贝叶斯估计分析了商业银行增加风险规避程度时其放款利率的变化,将风险规避程度从比较弱而难以产生直觉上有吸引力的Arrow-Pratt风险规避程度提高到更强Ross风险规避程度,指出在充分考虑商业银行的风险损失和风险成本时,风险规避程度较高的商业银行将采用更高的放款利率。
Kincheng's business of loan and investment developed rather rapid among its contemporaries.
金城银行的放款、投资业务是同时期的华资银行中发展比较快的一家。
The main commercial activities of piaohao in Guangdong included transfer, deposit and loan.
山西票号在广东的主要活动包括汇兑和存放款,其汇兑活动除帮助清政府上解各种饷项以解决财政危机外,更主要的是国内南北商业贸易汇兑和对外贸易汇兑,体现了晚清中国金融业从内陆向沿海延伸,从国内商业资本的汇兑走向对外贸易的投资这一新趋势;其存放款活动主要是针对广东地方政府和官员,可见山西票号与广东地方政府之间相互支持、相互依赖关系之密切。
On two occasions, they pooled their resources for joint lending to productive and other economic undertakings.
上海私营金融业曾两次组织对生产与其他经济事业的联合放款,此外规模较大的银行较早实现了公私合营,而数十家中小行庄公司则通过组成四个联营集团进行多种业务的联合经营并逐步过渡到两个联合总管理处,实现了从业务到人事、财务、组织多种形式的联合管理,最后在条件成熟的时候与大银行共同组成统一的公私合营银行。
From the viewpoint of legal relations,packing loan is a kind of financing-related legal relation,but in essence it is a credit loan closely connected with L/C.
打包放款是与信用证有关的贸易融资形式之一。
The Design and Implementation of the Grant Credit Center System of Credit Management for Commercial Bank;
商业银行信贷管理放款中心系统的设计与实现