It makes use of five aspects to prove the present condition of the unbalanced distribution . these five aspects include the surplus amount of bank savings , loan , the amount of the listed company and its raising capital , the amount of the fixed assets investment and foreign capital 从我国金融机构存、贷款余额、上市公司数与筹集资金额、固定资产投资额、利用外资额这五个方面来具体说明区域货币资金分布不均衡的状况。
Where the borrower prepays , it shall notify the facility agent at least 60 business days before the next scheduled repayment date , and repay the last installment of the principal of and interest on the loan based on the principle of “ last matured , first paid ” in accordance with the order of maturity of the related loan balances as set out in the syndication agreement 借款人提前还款的，应至少在最近一个预定还款日的60个营业日前通知代理行，并在征得银团贷款成员同意后，根据银团贷款协议所列的相关贷款余额的到期次序，按后到期先还的原则偿还最后期贷款本息。
At present the usage of the fund throughout china is at large with low efficiency . the individual loan ratio ( the balance proportion of individual loan over total ) is on the low side with few procurement of national debt . a large amount of fund is deposited in the special account of the consignment bank without intelligent use 目前就全国范围而言,住房公积金的使用效率普遍不高,住房公积金个贷率(个人贷款余额占归集余额的比例)偏低,国债购买量较少,大量资金沉淀在委托银行专户未合理使用。
In 1998 , the people ' s bank of china issued the administrative law of individual housing loans and allowed commercial banks to open individual housing secured loans , extend the loan term , which marked a new phase in the development of home financing in china . after this , the scale of granting home mortgages rapidly widened and the development was swift as by there year 2000 , the balance of home loans at the china construction bank and the industrial and commercial bank of china broke through rmb 100 billion yuan , of which , individual home mortgages became the most important growth point for credit in the real estate industry 1998年，中国人民银行出台了《个人住宅贷款管理法》 ，允许商业银行开办个人住宅担保贷款，延长贷款期限，这标志我国住房金融发展到一个新的阶段，其后住房抵押贷款发放规模的迅速扩大，发展势头迅猛， 2000年，中国建设银行和中国工商银行住房贷款余额均突破1000亿元，其中个人住房抵押贷款成为房地产信贷中最重要的增长点。
As the financial system reformation goes more further , the ccbs have no systematic advantages any more , meanwhile , the disadvantages like small - sized , weak bases , lack of capital and complex competition ability , especial the profit ability has became more and more obvious . according to the statistics offered by the china banking regulatory commission ( cbrc ) , by the end of 2004 . 11 , the total assets of all the ccbs in china is 1 . 9 trillion , and the equity is 693 billion . according to the five - category classification , the balance of non - performing loans ( npl ) is 9 . 7 % , and the average capital adequacy ratio is 2 . 7 % , while the average total assets is less than 0 . 1 % , which is only 1 / 12 of american average level 我国中小商业银行的主力军? ?城市商业银行风风雨雨近十年,在过去的十年中,初步化解了多年积累的风险、在地方经济发展中发挥了重要的作用;随着金融体制改革的全面深化,城市商业银行的体制、机制优势逐渐与竞争对手同质化,规模小、底子薄、资本实力弱、综合竞争能力差尤其是赢利能力弱的劣势日益凸现,据银行业监督管理委员会的统计,截止2005年11月,全国城市商业银行资产总额为1 . 9万亿、所有权权益693亿、按照贷款五级分类,不良贷款余额为1027亿、平均不良贷款率为9 . 7 % 、平均资本充足率为2 . 7 % ,其中平均的总资产收益率不到0 . 1 %是美国平均水平的1 / 12 ,就是跟印度、马来西亚等发展中国家比差距也不小,中小商业银行的财务问题逐渐成为了其进一步发展的瓶颈,财务风险凸现,潜在的财务危机也日益加大。
Many domestic companies have gained a lot of experiences and lessons recent years attempting and exploring ways as to how to effectively develop trade finance business . but generally speaking , the development is too slow that it can hardly meet the needs of the development of foreign trade . the international trade finance takes only 3 % of all kinds of bank loans , and the income ca n ' t be less in the total income of our banks 近年来，国内许多银行在尝试和探索如何有效地开展贸易融资业务，取得了不少成绩，但总的看，该业务发展较慢，国际贸易融资额仅占银行各项贷款余额的3 ，收入在银行的总收入中微乎其微；而国外的一些银行该项业务已占到收入的四至八成。
As the housing system reform progresses during last ten years , residential mortgage loans has become the major financing measure by which chinese residents buy their houses . the amount of mortgage loans increases at a speed of 40 - 50 % or higher nowadays , but the unperformed loan rate increases significantly as well 当前许多商业银行的个人住房抵押贷款业务以年增长率40 % - 50 %或更高的速度发展,随着个人住房抵押贷款余额的快速增加,个人住房抵押贷款的不良率也开始不断攀升。
