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Acredit analysis信用分析
The process of evaluating an applicant's loan request or a corporation's debt issue in order to determine the likelihood that the borrower will live up to his/her obligations.
评估申请人的贷款要求或公司债务发行以确定借款人履行还款义务的可能性之过程.是指在决定贷款和贷款限额时对企业的信用状况所作的评价分析.通常包括偿债能力、盈利能力以及资本结构等.
credit analyst信用分析师
One who performs credit analysis.
从事信用分析的人员
credit balance信用余额,贷方余额
The amount remaining in a cash account or margin account after all securities he been paid for. Balance remaining after one of a series of bookkeeping entries. This amount represents a liability or ine to the entity. (See Balance.)
所有证券被完全支付后在账户和保证金账户中的余额.
credit bureau信用调查机构
An agency which collects and sells information about the creditworthiness of individuals.Clearinghouse of consumer credit information used by businesses to determine the creditworthiness of borrowers.
收集和销售个人信用信息的机构.
credit card信用卡
Any card that may be used repeatedly to borrow money or buy products and services on credit.
可凭之多次借款和赊销产品和服务的卡片.是指持卡人向特约商店进行消费购买行为时,仅凭签账,无需当时立即付账的一种.
credit check信用调查
The process of evaluating an applicant's loan request or a corporation's debt issue in order to determine the likelihood that the borrower will live up to his/her obligations. Also called credit analysis.
评估申请人的贷款要求或公司债务发行以确定借款人履行还款义务的可能性之过程.
credit cliff信用悬崖
A slang term meaning that credit deterioration could be pounded by provisions such as rating triggers or financial covenants. These can put pressure on the pany's liquidity or its business to a material extent.
行业俚语,指评级触发事件或财务契约等条款可能加剧公司信用恶化的情况,这可能对公司的流动或业务造成重大压力.
credit crunch紧缩信贷
An economic condition whereby investment capital is difficult to obtain. Banks and investors bee weary of lending funds to corporations thereby driving up the price of debt products for borrowers.
难以取得投资资金的经济环境.银行及投资者对向企业借贷有所顾虑,因而推高债务产品的价格.
credit default swap信用违约转换
A specific kind of counterparty agreement which allows the traner of third party credit risk from one party to the other.
是一种特定的对手协议,允许将第三方风险由一方转给另一方.
credit derivative信贷衍生工具
A contract between two parties that allows for the use of a derivative instrument to traner credit risk from one party to another.
允许利用衍生工具将信用风险从一方转移到另一方的合同.
credit derivatives信用衍生品
A contract that enables a user, such as a bank, to better manage its credit risk.A way of tranerring credit risk to another party.
是指运用财务工程技术,将信用风险由原来的借贷双方或交易双方中分离出来,然后将此风险经由衍生性商品市场,移转给愿意承担此风险的第三者.
credit enhancement 信用增级
The process of reducing credit risk by requiring collateral, insurance, or other agreements to provide the lender with reassurance that it will be pensated if the borrower defaulted. A technique to lower the interest payments on a bond by raising the issue's credit rating, often through insurance in the form of a financial guarantee or with standby letters of credit issued by a bank.
通过抵押品,保险或其他在贷款人违约时补偿贷款人的再保险协议等来降低信用风险的过程.指提高企业信用等级的各种方法.例如,通过购买大保险公司的保险来增加资金信用,或减少负债来提高信用等级.