金融练习作业.docVIP

翻译练习 1. 为了迎接外资银行的挑战，我们将采取如下措施： 一是采取多途径补充资本金，增强资本实力。一方面努力提高经营效益，增加利润，通过收益留置充实资本金，建立正常的资本金内部积累机制。与此同时，研究外部凑措资本金的可能性与可行性，通过所有者注资及资本市场补充和扩大资本金；通过发行长期资本债券增加附属资本，改善资本金构成；完善贷款准备金制度，增加补偿性准备金。 二是要积极采取果断措施，切实降低不良资产率，努力提高资产质量。这些措施包括：实行贷款质量的五级分类管理，建立全面的授权授信管理体系，完善贷前调查、评估与审批、经营、风险管理相互分离的制度，强化贷后管理，适当上收信贷经营权，确保新增贷款质量，建立风险预警与防范制度，改进不良贷款考核办法，实施不良资产责任认定和追究制度， 加大不良资产盘活、回收与处置力度，严格对外业务的风险管理。 Facing with the challenges from foreign-capital banks, we will take the following measures. First, we will try to add significantly to the capital strength by supplementing capital fund via multi-channels. On the one hand, we strive to improve the business performance in order to increase the profits. So we can use the retained profits to supplement our capital fund, which will help us build up the normal mechanism of internal capital accumulation. On the other hand, we will also analyze the possibility and feasibility of collecting funds from external so as to supplement and increase capital through owners’ investment and market capital. We will publish long-term capital debenture for increasing supplementary capital so as to improve capital structure. And we will improve the benchmark system and increase compensatory reserve. Second, we need to make the non-performance rate decline as well as increase asset quality. The measures are as following. We will implement the Five levels classification management of loan quality as well as build up accredit management system; improve the systems, in which the research, assessment, examine and approve, management are all separated. We will try to improve the non-performance assessment and investigate, put forth effort to take action on bad assets reforming, bad assets recovering and handling as well as intensify risk management of foreign business. 2.存本取息定期储蓄本金： 一次存入，5000元起存，多存不限，但必须按一千元的整倍数存储。存入时，由银行发给存折，凭以支取利息和本金。存期：分一年、三年、五年三种，由储户在开户时约定。利息：按存入日约定存期的利率每月计付利息一次。开户日为每月的取息日。取息日未支取利息的，以后可随时支取。利息可在全市储蓄网点通取。提前支取：储户如有急需，可提前支取本金，按支取日挂牌公告的活期储蓄利率计算存期内利息，并扣回已支付的利息