作业帮英语翻译信用风险是指贷款人到期不偿还债务而使银行遭受损失的可能性.从我国商业银行的现状来看,资产质量低、不良资产比率过高是一个突出的问题.在这样的背景下,利率自由化可能会使
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英语翻译信用风险是指贷款人到期不偿还债务而使银行遭受损失的可能性.从我国商业银行的现状来看,资产质量低、不良资产比率过高是一个突出的问题.在这样的背景下,利率自由化可能会使
英语翻译
信用风险是指贷款人到期不偿还债务而使银行遭受损失的可能性.从我国商业银行的现状来看,资产质量低、不良资产比率过高是一个突出的问题.在这样的背景下,利率自由化可能会使商业银行资产质量进一步下降.这是因为,在利率放开以后,商业银行之间以及商业银行与其他金融机构之间的竞争将日趋激烈.为吸引更多的资金,银行将不得不提高存款利率.随着融资成本的提高,贷款利率也会有所上升,银行的资产将更集中于高风险项目,从而加剧了信用风险.
英语翻译信用风险是指贷款人到期不偿还债务而使银行遭受损失的可能性.从我国商业银行的现状来看,资产质量低、不良资产比率过高是一个突出的问题.在这样的背景下,利率自由化可能会使
Credit risk refers to the possibility that the lender due not repay debts and losses to the banks.From the current situation of China's commercial banks,asset quality is low,too high bad asset ratio is a prominent problem.In this context,the liberalization of interest rates may make the commercial bank asset quality to decline further.This is because,in the interest rate liberalization,between commercial banks and commercial banks and other financial institutions will be increasingly fierce competition.In order to attract more funds,banks will have to raise deposit interest rates.With increasing the cost of financing,loan interest rates will rise,the bank's assets will be more focused on high risk projects,thus exacerbating the credit risk.