And the third way is by freezing their current interest rate for five years 另外,第三种方法是将其现行利率冻结5年。
Lower asset prices also reduce the value of collateral and therefore restrict banks willingness to lend at the going rate 由于资产价格向下会令抵押品贬值,银行亦可能不再愿意以现行利率提供贷款。
But by far neither well - grounded explanations nor rationalization proposals were put forward . whereas as early as the beginning of last century , western scholars had noticed the phenomenon in credit market that borrowers couldn ’ t get loans at current interest rate even though they were willing to pay the rate . this phenomenon was defined as “ credit rationing ” , and was gotten explanations from aspects of availability of credit , factors of risks and interest rate , implicit credit contract , imperfect information , implementation of credit contract and legal system 另一方面,早在上个世纪初,西方学者就注意到了信贷市场中这种借款人愿意支付现行利率,却不能按照这种利率获得贷款的现象,将其定义为“信贷配给” ( creditrationing ) ,并从信用可获性、风险与利率因素、隐含性信贷合约、不完全信息、信贷合同的执行和法律制度等角度进行了解释,但这些主要以完善市场经济为研究对象的理论仅一定程度上适合中国农村,转型时期的中国农村信贷配给现象还需要结合其特殊的经济、金融情况进行解释。
This paper absorbs and borrows the experience and lessons of marketization of interest rate reform of foreign countries for our country ' s reform . combining theory discussion and e mpirical analysis , the paper deeply analyses the defects of our present interest rate system , and explores the difficulties and advantages during the process of reform . the paper concludes that after china ' s entering wto and under a situation which international financial environment has greatly changed , at present , we have the ability to speed up the reform , and we should put emphasis on improving the interest rate structure and interest rate conduction system , meanwhile , take measures to improve the relevant system - financial supervision , financial markets , state - owned bank and stated - owned firms 采取理论探讨和实证分析相结合的方法,对我国现行利率体制存在的弊端和我国当前推进利率市场化改革存在的困难及有利条件进行了较为深入的分析,认为在当前我国加入世界贸易组织之后,面临的国际经济金融环境业已发生较大变化的形势下,我国当前可以并应当加快推进利率市场化改革,提出加快推进利率市场化改革应当主要从改革和完善利率结构和利率传导机制着手,同时要在加快对金融监管、金融市场、国有商业银行和国有企业等的配套改革上采取相应措施。
现行: currently in effect; in forc ...利率: an interest rate现行利息: current interest银行利率: band rate; bank interest rate; bank rate; interest rates银行利率政策: bank rate policy; bank-rate policy中心银行利率: bank rate中央银行利率: central bank rates最低银行利率: prime interest银行利率,银行贴现率: bank rate行利: dysentery with improper exercise; yukitoshi银行利率;银行贴现率;银行牌价: bank rate银行优惠贷款利率, 最低银行利率: prime interest; prime rate发行利率较低的公债以换回到期公债: debt conversion现行: 1.(现在施行的; 现在有效的) currently in effect; in force; in operation 现行规章制度 rules and regulations in force; 现行有效的条约treaty in force2.(正在进行犯罪活动的) active 现行反革命分子 active counterrevolutionary; 现行犯 criminal caught in, before or immediately after, the act; 现行标准 current standard; 现行法 positive law; 现行法令 decrees in effect; 现行法律 existing law; 现行汇率 going rate; 现行价格 prevailing price; current price; prevailing rate; going price; 现行税率 current rate; 现行政策 present policy; 现行罪 flagrant crime; flagrant offence利率: interest rate; money rate; rate of interest 利率低 ease of money; 利率补贴 interest rate subsidy; 利率机动权 have the power to regulate interest rates 通行利息: current interest行利用系数: line utilization factor银行利息: the bank interest预行利润: anticipation of profit联行利息收入: interest received from inter-branches联行利息支出: interest paid to inter-branches银行利息计算: calculation of interest on banking account银行利息证明: bank interest certificate银行利息支出: interest payments for long term loans纸币发行利润: profit of note issue