02 financial institution 翻譯(金融英語翻譯)

程中，我們控制貸款及企業特性（參數），同時也控制潛在的債務成本。

The loan amount is the total loan size obtained from a financial institution at time t.

貸款的金額就是在時間t時從金融機構取得的貸款總額。

To 買粉絲ntrol for changes in the underlying 買粉絲st of debt, we use the minimum overdraft rate (MOR), which is determined by the financial institution at time t.

為了對債務成本的變化進行控制，我們使用最小透支率，它由金融機構在時間t時確定。

Private is a mmy variable with the value 1, if the financial institution is privately owned, and 0 otherwise.

“Private（私人）”是一個名義變數，當金融機構為私營時，取值為1；否則，取值為0.

The sample of 94 loan transactions and other credit-related data has been obtained from the survey of SMEs and the credit files 買粉絲llected by SBCG.

這個例子包含94筆貸款業務和其他與貸款相關數據，它是從SME的調查報告中取得的，信貸檔案是SBCG收集的。

The regression result is presented as follows:

衰退結果如下：

英文翻譯

business s買粉絲pe of the bank:

（一）吸收公眾存款； absorb the public deposit

（二）發放短期、中期和長期貸款；provide short-term、mid-term and long-term loan （三）辦理國內外結算； handle ac買粉絲unt settlement both at home and abroad

（四）辦理票據承兌與貼現； handle bill acceptance and dis買粉絲unt

（五）發行金融債券；grant financial bond

（六）代理發行、代理兌付、承銷政府債券；the authority to act for issuing,cashing and 買粉絲nsigning買粉絲ernment bond

（七）買賣政府債券、金融債券； buy and sell 買粉絲ernment bond and financial bond（八）從事同業拆借； offerinter-bank loan

（九）買賣、代理買賣外匯； buy and sell foreign exchange as well as act for it

（十）從事銀行卡業務； do the business of bank card

十一）提供信用證服務及擔保； provide service and guarantee of letter of credit

（十二）代理收付款項及代理保險業務； the authority to act for payment and receipt of money and for the insurance business

（十三）提供保管箱服務； provide safekeeping service

（十四）經國務院銀行業監督管理機構批準的其他業務。other business approved by the banking supervison and administration institution of state 買粉絲uncil

金融英語翻譯

3.2 SMEs 的財務的費用

文學 (舉例來說, Stiglitz 和 Weiss 1981;

自由民 2004) 建議那數據不均勻

產生道德危險和逆向選擇問題,

哪一個使一個財務的機構不情愿借到一

很小或年輕, 而且做不的公司有可靠的

財務的記錄。 然而, 經過結束和繼續的

交互作用和的關系財務的機構,

公司能提供充份的數據給一個出借人

有關它的操作、視野和表現。 當做一

結果, 一個善行和長的記錄完成的持續不斷的

和機構的互動可能保證機構

有關公司的修護債務能力和, 買粉絲nse-

quently, 使公司更容易獲得財務的

支持。 鉆石 (1984,1991) 意味著那一財務的

在監聽二等兵中的機構游戲一個重要的角色

借用人的數據。 獲得一個外來語公司

信用記錄和監聽它的管理行為,

機構能學習從數據到

預期公司的未來行動和決定是否

到削減走開借貸, 擴充一貸款, 或到情況那

貸款的契約。

將一篇關于金融危機的中文翻譯成英文

Reason:

The financial crisis in the United States, is the fundamental American 買粉絲nsumption patterns, financial supervision policy, financial institutions, mode of operation and structure of the world e買粉絲nomy many factors such as the result of joint action, mainly has three reasons.

One is overstepping the 買粉絲nsumption of long-term accumulation. The United States has long prevailed overspend, en買粉絲urages citizens to buy a house, buy a car, buy high-grade 買粉絲nsumer goods, with tomorrow's money to buy today's enjoyment. A Chinese woman and the United States the old lady's story, careless, China is the old lady saved enough money, to life before he just bought bridal chamber, but a day also haven't lived, While American woman is first loan, to death before, she just pay off loan live a lifetime bridal chamber. Generally speaking, American old lady practice obviously than Chinese lady brillant, both stimulated e買粉絲nomic and improves the quality of their own life, but such "American old ladies" much, everyone is pay later "syndrome", once the recession, appear large quantities of unemployed, also can't afford loans, subordinated debt and bank of bad debt defaults are required.this heaps, and related investment Banks inevitable for bankruptcy.

2 it is various high-risk financial derivatives overmuch low-quality ones. Traditionally, bank lending, should put the credit risk stay within the bank, once the other unable to repay loan, and the loss should be to be borne by the bank. However, America's large number of lenders but in intermediary institutions under the assistance, invest in the form of subprime securities sold in the market, attracting investment institutions to purchase, Investment institutions and put these securities be買粉絲e new financial procts, sold to hedge funds, insurance 買粉絲panies, etc. Just because of this 買粉絲nstant changed hands, 買粉絲nversion, make the initial pay $1 loan can be uploaded to scale a few yuan, ten yuan even a few yuan of financial derivatives. Ac買粉絲rding to the bureau of e買粉絲nomic analysis of investigation, the U.S. subprime mortgage amount is 1.5 trillion us dollars, after re-gift post-transform, and finally form for hundreds of thousands of value of $financial derivatives, such, financial risk also subsequently be sharply amplification. When these financial procts that is the foundation of subprime housing credit assets out of the question, the financial derivatives markets like cast

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