风险贷款

但是，并购贷款是一项全新的高风险贷款品种，其风险性和复杂性均高于传统意义上的贷款。

Annexation loans are a kind of brand new high risk loan , whose risky nature and complexity are both higher than those of traditional loans .

目前大学城项目已成为各商业银行总行的第五类高风险贷款项目，高校新校区建设贷款越来越难。

Nowadays the loans for university district construction projects are limited , as they are grouped in the fifth category of high risk loan projects by the top banks of commercial banks .

各银行贷出去太多高风险贷款，目前无法收回，他们还进行地产投机，而地产的价值目前已经下跌了。

The banks made too many risky loans which now can 't be repaid , and they speculated in property whose value has now dropped .

根据这个策略条件，DynamicAssembler调用了低风险贷款支付终端和特殊贷款提供终端。

Based on this policy condition , the Dynamic Assembler invoked the Low risk credit check endpoint and the premium loan provider endpoint .

一些ETF如今开始使用杠杆；还有一些ETF开始购入风险贷款等风险更高的资产。

And some ETFs are now using leverage ; others are starting to purchase riskier assets such as risky loans .

投资者对3个月期无风险贷款仅要求5.13%的利率，与Libor的差距达到近0.9个百分点，升至促使各国央行在去年9月和12月入市干预的水平。

Investors demand only 5.13 per cent for risk-free three month lending , with the near 0.9 percentage points gap , rising to levels that led to central bank interventions in September and December .

新鸿基金融此款衍生品的卖家将根据之前协议，得到高于香港银行同业拆息（HIBOR，香港本地无风险贷款利率）协定基点的利差。

Sun Hung Kai Financial-the seller of the derivative-receives a previously agreed basis point spread over HIBOR , the local risk-free lending rate .

有违约风险贷款担保价值研究

Research on Valuation of Loan Guarantees with Default Risk

开始敲响风险贷款和危险市场泡沫的警钟。

started to sound the alarm bells about risky lending and dangerous market bubbles .

金融家和结构性融资专业人士清楚高风险贷款的潜在负面影响。

Financiers and structured finance professionals were aware of the negative potential of risky loans .

你把高风险贷款大卸八块再重包装成看起来好像还稳当的证券。

You slice and dice and repackage high-risk loans into securities that seem to be solid .

许多高风险贷款的产生，都归咎于国家第二次级贷款借贷者的失败。

Too many high-risk loans were blamed for the failure of the nation 's second largest subprime lender .

本文通过对企业财务指标的分析与选取，运用聚类分析法对我国企业的信用风险贷款质量进行了评估与预测。

According to analysis and selection of finance indicators , the paper evaluates and predicts the quality of fiduciary loan risk by clustering methods .

只有当偏执-分裂心态占据主导地位时，高风险贷款安全打包为复杂的投资工具，才会看似消除了风险。

The safe assembly of high-risk loans into complex investment vehicles could only appear to eliminate risk if a PS state of mind was predominating .

一些经济学家表示，影子银行领域的壮大导致高风险贷款增加并推升了房地产价格，从而加剧了中国信贷危机风险。

Some economists say the sector 's rise has worsened China 's credit binge by increasing the number of risky loans and inflating real-estate prices .

花旗集团大幅缩减业务规模，是一家子公司经营高风险贷款的全球银行陷入困境的又一例证。

The sharp pull back by Citigroup is the latest example of a global bank running into trouble with a subsidiary that makes higher-risk loans .

几周前，花旗集团刚刚又支付了1.58亿美元，就欺诈政府担保大量高风险贷款一案达成和解。

A few weeks ago , Citigroup had to pay $ 158 million to settle a suit that it was pushing faulty loans onto a government insurance program .

分析师认为，外国银行在向英国客户放贷方面处于有利地位，因为它们拥有更健康的资产负债表，并且没有充斥着高风险贷款的历史遗留负担。

Analysts believe foreign banks are in a strong position to lend in the UK as they have healthier balance sheets and do not have back books stuffed with high-risk loans .

随着美国次级抵押贷款危机向其它风险贷款和债券领域蔓延，信贷市场处于动荡之中，迫使对冲基金等贪婪的买家纷纷寻求掩护。

Credit markets were in turmoil as a crisis in subprime mortgages spread to other risky loans and bonds , sending hitherto voracious buyers such as hedge funds running for cover .

我们也认为，过度举债是一个首要原因&过高的杠杆率不仅存在于交易账簿中，也存在于大量积聚的高风险贷款资产中，它们主要与美国住宅市场有关。

We agree that excessive leverage was a primary cause - not just in trading books but in large concentrations of high-risk lending assets , primarily related to US residential property .

美国高风险贷款市场也出现同样情况，其平均价格自2008年6月24日以来首次升至面值的90%以上。

The same is true for riskier US loans , for which the average price bid rose above 90 per cent of face value for the first time since June 24 , 2008 .

交易量最大的欧美高风险贷款价格，已升至一年多来最高水平，这是信贷市场好转的又一个迹象。

The prices of the most traded risky European and US loans have reached their highest levels for more than a year , in a further sign of improving conditions in credit markets .

当时，港元的存贷比超过110%，远高于现在的大约80%，因此银行面临的更大压力是收回高风险贷款，而不是将它们展期。

Back then , Hong Kong dollar loan-to-deposit ratios were much higher , at over 110 per cent versus about 80 per cent today , so banks were under greater pressure to call in riskier loans rather than roll them over .

CDO是美国风险抵押贷款重新打包、然后出售给世界各地投资者的主要工具之一。

CDOs were one of the main vehicles through which risky US mortgages were repackaged and sold to investors around the world .

但与金融危机期间签订的高风险抵押贷款交易不同的是，最近CLO强势卷土重来。

But unlike the risky mortgage deals that were inked during the financial crisis , clos have recently made a big comeback .

使用奇特的高斯联结相关性模型，以及一些聪明的表外架构，高风险抵押贷款被重新打包成具有3A评级的黄金投资产品。

And using the magic of the Gaussian copula correlation model , and some clever off-balance-sheet architecture , high-risk mortgages were re-packaged into triple-A-rated investor gold .

负责制定全球银行安全规则的巴塞尔银行监管委员会（BaselCommitteeonBankingSupervision）上周五宣布了这项颇为技术性的磋商。其矛头指向那些钻监管漏洞的银行，它们为高风险的贷款购买信用保险，但把保费分摊至数年。

The highly technical consultation announced on Friday by the Basel Committee on Banking Supervision , which sets global bank safety rules , takes aim at banks that have been exploiting a regulatory loophole by buying credit protection on risky loans but spreading out the premiums for several years .

CLO重新崛起最令人惊讶的一面也许是：高风险银行贷款支持的CLO的最大买家是银行本身。

Perhaps the most surprising thing about the clo revival is this : the entities that have emerged as the biggest buyers of the packages of risky bank loans are the banks themselves .

笔者考察和研究了运用现代资产组合理论进行风险分散化贷款组合管理的KMV模型和以金融创新&信用衍生品进行对冲组合管理的理论和实践。

This article investigates and researches the KMV model which puts the Modern Portfolio Management Theory into credit portfolio management and the theory and practice in which the credit derivatives are used to hedge credit risk .

基于逆向选择风险的贷款定价研究

Loan Pricing under Adverse Selection