Study on the Growing Problem of Trust Company in China;
我国信托公司的成长问题研究
Details of the business innovation in trust company is investigated after analysis of the current development surroundings and opportunity of the trust company in China.
在分析我国信托业当前的发展环境和机遇的基础上,就我国信托公司业务创新进行了详细的探讨:指出了扬长避短,进军产业市场是我国绝大多数信托公司生存、发展、强大的必由之路;分析了今后几年信托公司选择项目的一些方向;着重讨论并指出针对高新技术企业的优质专利项目信托投资是低风险、高收益业务创新中的一种体现,也是信托公司业务多元化、分散和规避风险的实际需要。
Based on the game theory,TC s(trust company) economic behavior is analyzed in evolvement process combined with principal agent theory.
本文以博弈论作为主要理论基础,结合委托代理理论,对我国信托公司的经营行为异化进行研究和分析,提出导致我国信托公司经营行为异化的因素虽然众多,但信托制度供给的不足是导致信托公司经营行为异化的外在主要因素;而信托公司委托代理关系的不合理是导致信托公司经济行为异化的内在主要因素。
Exploring the Way of Reform and Promoting the Development Trust Corporation;
探索改革之路,促进信托公司自身发展
Exploration on Creditworthy Evaluation of a Loanee of Personal Housing Loan
关于个人住房贷款中借款人资信评估问题的探讨
A borrower which has been proved having sure creditility for repayment through checks and assessments by the commercial bank may not provide guarantee for the commercial bank.
经商业银行审查、估，确认借款人资信良好，确能偿还贷款的，可以不提供担保。
TBV [trust borrower vehicle]
信托借款人工具（公司）［
The Borrower will be notified by a letter to confirm the terms and conditions of the Loan.
借款人将获专函通知其贷款之各项信贷条款。
Capital--It is essential for the loan officer to evaluate the borrower's ability to generate sufficient cash (capital) to repay the loan.
资本——信贷员对借款人能否取得足够的现金（资本）以归还贷款的能力进行评估，是必不可少的。
Once the debit side break the loan contract that the commercial will bring bad assets, lead to loss and erode the capital of bank.
借款人违约将直接导致商业银行产生不良贷款，造成信用资产损失，并侵蚀银行的资本金。
Third the lender encourage the borrowers to repay the credit.
三是贷款人通过有效激励,鼓励守信的借款人。
Borrowers refinanced or sold their homes.
借款人再筹资金或出售他们的房子。
a loan secured by equity value in the borrower's home.
由借贷人家庭资产净值做保证的贷款。
On the other hand an investment banks commitment is not to you.
另外投资银行是不向借款人承担义务。
a loan granted for personal use; usually unsecured and based on the borrower's integrity and ability to pay.
用于私人的贷款；通常没有资产保证，只基于借贷者的信誉和支付能力。
If money is scarce, interest rates will tend to rise because those seeking loans will be competing for funds.
如果借贷资金不足，希望借款的人互相竞争，利率就上升；
But the loan officer has difficulties in evaluating the borrower's character.
但信贷员对借款人的品德很难进行评估。
Financial Institutions' Debtor Management from Credit Reporting Perspective
基于征信视角的金融机构借款人管理模式初探
Collateral-- The collateral for loans may consist of a variety of borrowers' assets.
担保品——贷款的担保品可由借款人的多种资产组成。
Policies incentive: First the borrowing cost should be reduced.
政策激励:一是降低借款与再借款成本激励借款人还款;
Is Asset Write-down Information Useful for Bank: Empirical Evidence from China
长期资产减值信息有用性的实证检验——来自银行借款契约角度
Prove: Capital Pre-ratepaying Cost of Long-term Loan Is Equal to Loan Compound Interest Rate per Annum;
证明“长期借款税前资本成本=借款年复利率”