资源描述：
《金融类外文翻译正文》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。
1、毕业论文外文资料翻译题目个人住房贷款中不良信贷风险管理研究学院经济学院专业金融学班级金融0801学生朱思克学号20082207166指导教师刘承伟二〇一二年四月二十日济南大学毕业论文外文资料翻译AppliedEconomics,theDrydenPress,2006P75-78.Non-performingLoansManagementandRecoveryWilliamJ.BaumanandAlanS.BlinderAbstractWiththedeepeningofChina'seconomicsystemreformdevelopmentandcontinuousimpr
2、ovementofthesystemofthemarketeconomy,banks'lendingbusinessbecomescompletelyopentoindividuals,personalloansofbusinessgrowing,continuestoexpandthescopeofbusiness,especiallythedevelopmentofindividualhousingloanmorequickly.PersonalhousingloanbusinessinChinaatthetimeofitsdevelopment,therearebadcr
3、editrisksaswellasthecompetitivesituationisnotoptimistic,toacertainextent,hamperthedevelopmentofindividualhousingloans,tosustainabledevelopment,researchmanagementmustbestrengthenedonanumberofissues.Thisarticlefromthecurrentdevelopmentstatusofindividualhousingloanbusinesstostart,pointedoutthat
4、becauseoftheexistingproblemsaswellasproblemsandfocusonhowtodeveloppersonalhousingloanbadcreditriskreduction,foreignexperiencesandlessonslearned,andthoughtsandcountermeasuresformanagement,topromotethehealthyandrapiddevelopmentofthebusiness.Keywords:Housingloanstoindividuals;Badcreditrisks;pre
5、sentsituation;problem;Countermeasure1.IntroductionUnderthefive-categoryloanclassification,substandard,doubtfulandlossloansaredefinedasnon-performingloans.Becausethereasonsbehindnon-performingloansformationaredifferent,creditassociatesmusttakeeffectivemeasurestomanage,recoveranddisposeofthese
6、partsofassetaccordingtotheirdifferentcharacteristics.Thebankshouldfirstfindouttheresponsibilitiesoftheguarantoranddisposeofthesecurityintime.Onlywhentheyconfirmthattheguarantorhaslosttheguaranteeabilitiesandthesecurityisnotsufficienttopayofftheloan,cantheybegintodisposeofthenon-performingloa
7、ns.-11-济南大学毕业论文外文资料翻译2.ReasonsTherearemanyreasonswhybankshavepoorlyperformingloanportfolios.Irrespectiveofthesecauses,bankshaveanobligationtoshareholders,depositorsandcreditorstomaximizecashflowfromassets,themosttroublesomeaspectofwhichhasbeenthepo
