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unified credit
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     Thus, comes up the focus of the thesis: to build a risk management system with unified credit authorization as the core.
     本章的第三部分阐述了银行经营复杂化与管理滞后性带来的后果。
短句来源
     In 1997, it is the four largest government-owned Commercial Banks who first established a unified credit granting system and implemented the credit system reform, which had an operational system of unified credit granting, job division of examination and granting loans, different level's examination and approval, and seperation of responsibility and power as its main content.
     1997年,四大国有商业银行在国内银行界率先建立起统一授信框架体系,实施建立起以“统一授信,审贷分离,分级审批,责权分明”运行机制为主要内容的信贷体制改革。
短句来源
     However, the undergoing reform of market economic system has highly broken concentrative and unified credit rules and system under planned economy, yet it still has not established credit system conformed to market standard.
     然而正在进行的经济体制改革在打破了计划经济下高度集中统一的信用制度与体系的同时,却一直没有建立起符合市场规范的信用体系。
短句来源
     To be specific, the framework includes: professional matrix operational structure, operational concepts of making services products, collective operational system, cost control and performance appraisal based on managerial accounting, exploration and education of human resources, risk management system combining unified credit granting and personal credit granting.
     具体包括 :专业化的矩阵式组织结构、服务产品化的经营理念、集中操作的运行体系、管理会计核算下的成本控制和绩效评估、人力资源的开发和再生以及统一授信与个人信用授权相结合的风险管理体系。
短句来源
     An empirical investigation indicates that problems still exist in this regard such as lagging credit legislature,lack of a unified credit appraisal standard and inconsistent credit objectives in various localities.
     本文通过实证考察,发现我国在个人征信体系建设中存在着诸如信用立法滞后、个人信用评估缺乏统一标准、各地征信体系目标不统一等问题。
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  相似匹配句对
     On the credit
     论现代信用
短句来源
     lack of unified standard of credit rating;
     个人信用评估缺乏统一标准;
短句来源
     Hometown of Credit
     信用的故乡
短句来源
     Customer Credit Risk and Unified Authority Management in Commercial Banks
     商业银行客户信用风险与统一授信管理
短句来源
     Unified Communications
     统一通讯机制
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Based on the comparative analysis between foreign and domestic commercial banks, the author of this article suggests that China's banks should establish effective micro-framework for reform and development while conducting reform in the macro dimension. Then, it will form a progressing cycle: reforming while developing, and developing while reforming. To be specific, the framework includes: professional matrix operational structure, operational concepts of making services products, collective operational system,...

Based on the comparative analysis between foreign and domestic commercial banks, the author of this article suggests that China's banks should establish effective micro-framework for reform and development while conducting reform in the macro dimension. Then, it will form a progressing cycle: reforming while developing, and developing while reforming. To be specific, the framework includes: professional matrix operational structure, operational concepts of making services products, collective operational system, cost control and performance appraisal based on managerial accounting, exploration and education of human resources, risk management system combining unified credit granting and personal credit granting.

通过对中外商业银行的比较研究 ,笔者认为 ,在实施宏观层面改革的同时 ,我国商业银行需要构筑有效的微观框架 ,从而形成在发展中改革 ,在改革中发展的良性循环。具体包括 :专业化的矩阵式组织结构、服务产品化的经营理念、集中操作的运行体系、管理会计核算下的成本控制和绩效评估、人力资源的开发和再生以及统一授信与个人信用授权相结合的风险管理体系。

In most developed countries in the west,personal credit system is well established.However,personal credit system in China is still in pilot stage.An empirical investigation indicates that problems still exist in this regard such as lagging credit legislature,lack of a unified credit appraisal standard and inconsistent credit objectives in various localities.Therefore,by drawing advanced experience from developed countries,a model of personal credit system with Chinese characteristics is established.The...

In most developed countries in the west,personal credit system is well established.However,personal credit system in China is still in pilot stage.An empirical investigation indicates that problems still exist in this regard such as lagging credit legislature,lack of a unified credit appraisal standard and inconsistent credit objectives in various localities.Therefore,by drawing advanced experience from developed countries,a model of personal credit system with Chinese characteristics is established.The model based on a horizontal data base and a vertical networking system and complemented by local intermediary agencies,is designed to focus on the banking industry.By applying this model to other areas,it is hoped that personal credit information will be jointly collected,authoritatively appraised and pub-licly announced under the unified supervision and management of government.To this end,corresponding objective and concrete stages are put forth.

当今西方发达国家大部分建立起了成熟的个人征信体系,而目前我国的个人征信体系仍处于试点阶段。本文通过实证考察,发现我国在个人征信体系建设中存在着诸如信用立法滞后、个人信用评估缺乏统一标准、各地征信体系目标不统一等问题。因此,在借鉴发达国家先进经验的基础上,作者构建了有中国特色的个人征信体系模式:即选择以银行业为主线,纵向建立基础数据库和横向联网的模式;以地方中介机构为补充,由点到面逐步推开;由政府统一监督管理,最终实现个人信用信息的联合征集、权威评估和信用公示。作者并据此设计了相应的目标规划和具体的阶段构想。

Financial credit management of enterprises is one of the most important ta sks in modern enterprises. Whether it is perfect influences the existence and de velopment of enterprises. Now there are some problems in the establishment and m anagement of financial credit of enterprises, because perfect macro credit manag ement system has not been set up in our country and there is no credit risk mana gement system in enterprises. So we must strengthen financial credit management of enterprises, set up unified...

Financial credit management of enterprises is one of the most important ta sks in modern enterprises. Whether it is perfect influences the existence and de velopment of enterprises. Now there are some problems in the establishment and m anagement of financial credit of enterprises, because perfect macro credit manag ement system has not been set up in our country and there is no credit risk mana gement system in enterprises. So we must strengthen financial credit management of enterprises, set up unified credit management system and credit management or ganizations.

企业财务信用管理是现代企业最重要的管理内容之一,它的健全程度直接关系到企业的生存与发展。目前,我国企业在财务信用的建立和管理方面存在一些问题,原因在于,宏观上我国还没有形成一个完整的国家信用管理体系,微观上企业内部没有建立起完善的信用风险管理体制,不能有效管理信用风险。因此,我们应强化企业财务信用管理,建立国家信用管理体系,建全企业信用管理部门和信用管理制度。

 
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