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short-term credit money into long-term occupation

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short-term credit money into long-term occupation


is basically a gag-type figure, "Black Rain," the protagonist is dying of cancer Sri Lanka's Yusaku Matsuda, explosive performances overshadowed the M III Takakurtimberland au 6 inch bootsa Ken (Takakura alive inside and play Civilian), while in "Mr. Baseball" slapstick film in such a small cost, charisma basically not play, coupled with not accustomed to Hollywood's way of thinking, and later abandoned all further contact.Takakura's old and Japanese recession is synchronized, in fact, that is the end of the Showa era of the 1980s, with the Japanese idol industry matures, entertainment culture, increasingly diversified entertainment facilities, all kinds of fresh idol, endless entertainment, Film has long been the impact to pieces, Showa man that set of values ??and acting style has become a memory. Heisei era since Ken Takakura's road show is almost finalized in affectionate fatherly (The couple had no children 'cause dear to you, "Lane), the husband of this area, the younger generation of his less familiar, Takakura has just nostalgic name a lot of people's minds.Attentive fans should be able to see, 1994 High-starred Ken Takakura director Kon Ichikawa's "47 people assassin", the run has been slightly difficult brandished a knife. After that, in cooperation with lowering of the flag Yasuo "Railway workers", "Riding Alone for Thousands of Miles" (in part by the lowering of the flag of Japan Yasuo Director) "To my dear you" three films that can be considered "old age trilogy," The Showa tough guy starred Airan fatherly, affectionate husband, still stubborn and silent as long as he can perform with his eyes and body touching detail, this charm only Showa man to do the job.So far, the world is no longer Takakura. This year the central bank [microblogging] continuous borrowing by mid convenience (MLF) release of liquidity to financial institutions, requiring targeted support the financial

needs of small and micro enterprises, the credit resources more configuration to "farming", small and micro enterprises key areas and weak links. However, on the one hand reflects the real economy, the bank due to insufficient effective demand plenty of funds in the interbank market, on the other hand it is the small and micro enterprise financing difficulty and failure voices, what exactly is the cause of the policy transmission failure Small and micro enterprise financing difficult topic has been discussed over and over again, but most remain in social responsibility and financial institutions heartless category. The author attempts to small and micro credit risk and cost profit and loss analysis, parsing the various problems of the current small and micro-enterprise credit from another point of view and expose the reasons for its most essential.One, is not immune to all small and micro enterprise financing Four national ministries issued a "micro-enterprise approach to medium and small statistical division" on the ditimberland roll top au bootsvision of small and micro enterprises more specific, many factors, but the fact of China's financial sector has never been nor need clear division, small and micro enterprises, each Most banks based on risk preferences, put the scale for statistics, do not strictly enforce the above classification criteria.From bank credit and risk control perspective, the general contemporary China's small and micro enterprises simply divided into three categories.A class of business: high-quality companies, with certain scale and better profitability, management stability, good credit, with scientific and technological innovation or market advantage, the actual control of high quality, strong management capabilities, high availability collateral quality, the credit risk and small.II Enterprise: general business, business is relatively stable, profitable general, assurance measures is weak, there are other conditions have superior inferior, there is a certain amount of credit risk. Most of these companies belong to agriculture, forestry, textiles, clothing, toys, leather, furniture and other labor-intensive industries, greatly affected by economic cycles, changes can easily occur.Three types of enterprises: inferior enterprises, mostly living fully competitive and a sunset industry, with inexperienced start-ups and backward production capacity as a representative. Under normal circumstances, these poor business management, backward technology uncompetitive market without the right to speak, almost no profitability, on the verge of collapse or significant adverse credit record, low social

viability.Although the above classification is not enough scientific description is not entirely accurate, but credit work, this standard is still relatively practical.For the first class quality companies, banks with interest rate advantages and product advantages competing delivery. For such enterprises, loans basically there is no difficulty, only the preferred bank can. Such enterprises have credit risk is often caused by excessive credit. Since the borrowed funds exceeded their needs, will normally invest a lot of money has nothing to do with this industry, real estate, mining, civil and financial well-recognized industry profits, and ultimately the formation of risk due to various reasons. Of course, this does not seem like a high-quality corporate awareness in society in general as. The proportion of steel trade categories such good liquidity, turnover rate, trading volume, fast cash businesses also were once considered to be of high quality banking business, leading to everyone competing to enter, while the steel trade enterprises downstream happens due to iron ore, Such so-called windfall real estate industry, it is easy to platform for financing tools, a large number of short-term credit money into long-term occupation of the unknown, and ultimately lead to liquidity risk.For the second class medium enterprises, the bank's attitude appeared very clear differentiation. Style prudent bank would use interest rate and scale advantages relative safety from preferred customers, or simply a passive attitude toward this part of the customer, focusing on medium-sized enterprises; part of the bank specializes in small and micro businesses, as a blue ocean, with big firms to differentiate competitive, aggressive and, over a period of time to get a high rate of return. Howevebuy au bootsr, this part of the business and more labor-intensive businesses or fully competitive industry, high labor costs, profitability is weak, resulting in its ability to fight against market risk is poor, often becomes a kind of high risk.For the third category of low-grade
 

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