贷款原则.docVIP

Chapter One Money and Banking Part Five (Units 10 to Unit 11) Lending Principles 贷款原则 [Teaching Aim] Lending institutions or banks would normally follow a general standard or a set of principles when processing credit facilities for their clients, which is often termed as “canons of lending”. As students of the University of Finance, they should learn some ideas about the rules and regulations followed by banks in lending business, which would be very important to their future occupation. Furthermore, in studying this part, learning how to express the principles in English and improve their listening comprehension is the main purpose of this course. [Key Words Expressions] a set of principles 一套准则; credit facilities 信用贷款，信贷; canons of lending 贷款准则; purpose of the credit 贷款目的; illegal activity 非法活动; decline loan proposals 婉言拒绝贷款请求; speculative purpose投机的用途; cash-flow现金流动 repayment schedule 还款计划; service the debt 支付贷款的必要费用; sources of income 收入来源; submit 提交; financial statement 财务报表; income statement 收益报表; balance sheet 资产负债表; projected growth 项目增长计划; financial position 财务状况; repayment capability 还款能力; amount of the loan granted 审批贷款发放的数额; business capacity 经营能力; assets 资产; liabilities 负债; term of the loan 贷款期限; assess credit risk 评估信用风险; risk exposure 风险敞口; a loan repayment schedule 贷款偿还计划; country-risk assessment 国家风险评估; quantitative yardstick量化标准; risk grading 风险等级; current risk assessment 形势风险评估; evaluates 评估，评价; potential risk of default assessment可能的违约风险评估; security 抵押; market analysis 市场分析; profitability赢利性; generate sufficient revenues 产生足够的收益; economic/market prospect 经济（市场）前景; integrity 诚信; pricing of loans 贷款的定价; margin 差额; over the prime rate 在最优惠利率之上; financial strength 经济实力; nature of security 抵押品的性质; at prime 按最优惠利率; collateral 担保品; inadequate capital 资本不足; source of repayment 还款来源; loan approval 贷款审批; character of the borrower 借款人的还款决心; determination 决心; credit card company 信用卡公司; reliability 可靠性，信度; capacity 还款能力; legal capacity 法律能力; legal authori