普通贷款

利用博弈论方法比较了团体贷款与普通贷款的区别，得出了团体贷款比个人贷款还款率更高的结论。

By comparing the group loaning and the ordinary loaning , we conclude that group loaning is more efficient .

但是如果银行的收入仅依靠利润单薄且不稳定的普通贷款，那么他们在风险更高的冒险中赌一把也就不会失去太多。

But a bank earning only lean and uncertain margins on garden-variety loans may have little to lose by gambling on riskier ventures .

他们可能有一个工资主账户，但当他们需要抵押贷款、普通贷款、保险和储蓄账户时，他们可能会多方打探。

They may have a principal account that their salary goes into , but they are likely to shop around for their mortgages , loans , insurance and savings elsewhere .

由于上述风险因素，使得小额信贷违约与普通贷款违约具有不同特点，即小额信贷借款者有较高的市场风险和较低的个体风险。

On the basis of the above risk factors , the micro loan default has different characteristics compared with normal loan default , and the micro-credit borrowers have the higher market risk and lower individual risk .

对于贷款额度小于$25K的贷款，将调用基本贷款提供服务；对于大于$25K但小于$50K的贷款额度，将调用普通贷款提供服务。

For loan amounts less than $ 25K , the basic loan provisioning service is invoked ; for loan amounts greater than $ 25K and less than $ 50K , the regular loan provisioning service is invoked .

小额信贷，采用完全不同于普通贷款的方式给予原先被金融市场排除在外群体贷款，并且采用特殊的制度安排和风险管理技术，保障了很高的还款率。

Microfinance , using completely different from the ordinary form of loans given to the financial markets that had previously been excluded groups of loans outside , and using a special institutional arrangements and risk management techniques to ensure a high repayment rate .

同时，根据《商业银行资本充足率管理办法》的要求，与贸易相关的短期或有负债信用转换系数仅为20%，远远低于普通贷款业务的100%。

Meanwhile , according to the " capital adequacy ratio of commercial banks management practices ", the conversion factor of the trade-related liabilities , or the short-term credit was only 20 % , which is far below the ordinary business loans of 100 % .

高盛（goldmansachs）估计，往日的普通不良贷款占到行损失的95%。

Goldman Sachs estimates that plain old bad lending accounted for 95 per cent of bank losses .

然后从黑龙江省普通高校贷款特点及存在的问题出发，讨论高校负债发展的原因。

And secondly , started with the characteristics and problems of the colleges and universities of Heilongjiang Province , it discusses the reason for that .

个人购置住房贷款是指银行向借款人发放的用于购买自用普通住房的贷款。

Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing .

普通高等学校贷款发展突破了国内外经济学界、教育学界关于作为社会公益事业的学校不能赤字运转的办学原则。

The development through raising a loan breaks through the principle presented by both domestic and foreign economists ' circle and educational circle that school as the public utility can not run with deficit .

个人住房贷款是我国福利分房制度向住房分配货币化转变过程中引入的一种金融产品，它是指贷款人向借款人发放的用于购买自用普通住房的贷款。

Personal real estate loan is a financial product that was brought in during the transformation from the welfare housing allotment system to magnetization of housing allotment . This product refers to the loan made by the credit giver to the credit receiver for purchasing personal common real estate .

某种意义上，这与普通的抵押贷款类似：如果对冲基金未能偿还贷款，或履行交易，银行就可以没收该抵押品，就像房主拖欠抵押贷款后银行收回房屋一样。

In a sense this is similar to an ordinary mortgage loan : if a hedge fund fails to repay a loan , or honour a trade , a bank can seize that collateral in much the same way that a bank might grab a house if a mortgage defaults .

销售产品包括车辆险、普通险以及个人贷款，拥有1万人的销售代理网络。

It sells vehicle and general insurance and personal loans and uses a network of 10000 sales agents .

在普通的股票抵押贷款中，引入自动终止条款，当成利率可能为负值的永久美式看涨期权来处理。

The stock loan is treated as a generalized perpetual American call option with auto-matic termination clause and possibly negative interest rate .

因为自动终止条款有利于银行控制风险，与普通的股票抵押贷款相比较，银行将收取相对较少的服务费用。

Since it helps the bank control the risk , the bank should charge less service fee compared to the stock loans without the automatic termination clause .

尽管出口商业发票贴现的表面形式是贸易融资业务，但其实质是银行向企业发放的流动资金贷款，它的风险性丝毫不亚于普通的流动资金贷款。

Though the discounting of export commercial invoice shows itself a kind of trade financing business on the face , its essence is a sort of floating capital loan that bank offers to enterprises .