金融英语 6Bank Risk Management [武汉理工].pptVIP

stability n.稳定(性), 稳度; 坚定, 恒心 Text : Language Points 1.social stability 社会稳定 2.Threatening Middle East stability? 威胁中东稳定 3.Success requires patience, stability and confidence. 成功需要耐心、恒心和信心。 inadequate adj.不适当的; 不充足的; 缺乏的 Text : Language Points 1.Dictionaries are useful but quite inadequate. ? 词典当然有用，但还是有不足的地方。 2.The supply is inadequate to meet the demand. 供不应求。 shortfall n.不足, 差额, 赤字 Text : Language Points 1. There will be a shortfall in wheat supplies this year.? 今年的小麦供应会有一定数量的短缺。 2. We have to borrow money to cover the shortfall between expenditure and revenue.? 我们不得不借钱以弥补收支间的差额。 This risk applies not only to loans but to other on- and off-balance sheet exposures such as guarantees, acceptances and securities investments. Serious banking problems have arisen from the failure of banks to recognize impaired assets, to create reserves for writing off these assets, and to suspend recognition of interest income when appropriate Text : Language Points Large exposures to a single borrower, or to a group of related borrowers are a common cause of banking problems in that they represent a credit risk concentration. Large concentrations can also arise with respect to particular industries, economic sectors, or geographical regions or by having sets of loans with other characteristics that make them vulnerable to the same economic factors (e.g., highly-leveraged transactions). Text : Language Points To evaluate the credit risk, banks must first obtain certain basic information that usually is available in a meeting with the potential borrower, such as the integrity of the borrower, his ability to repay and his financial position, how much money is being sought, the purpose of the loan, how long it is needed, and how it will be repaid, etc. Each part of this information should have a reasonable relationship to the other parts. For example, a company seeking loan to conduct coffee importation business will only need three-month fi