为您找到与消费贷款百科相关的共25个结果:
全世界最好的银行是哪间?下面是读文网小编整理的英语百科小知识,欢迎大家阅读!
Trying to work out which banks are the world's best is a bit like awarding the prize for prettiest war-torn village. It is a title that carries little kudos. It is also likely to prompt further shelling. Winners of industry awards in the past three years include Ken Lewis, the chief executive of Bank of America, for banker of the year (2008); Société Générale for its risk management; and Angelo Mozilo of Countrywide. a failed mortgage lender, for a "lifetime of achievement".
想要评出哪家银行是世界上最好的,有点像从饱受战争蹂躏的村庄中评选出最美的村庄,这是一个并不光彩的头衔,也可能引发对企业的刨根问底。在过去三年间,金融行业的优胜者包括美国银行的首席执行宫肯·刘易斯,获评为2008年银行家,法国兴业银行因其风险管理获奖,以及失败了的破产抵押人,美国国家金融服务公司的安吉罗·莫奇罗,因终身成就而获奖。
Still, the question is becoming more pertinent. After months of indiscriminate fear, widespread losses and government hand-holding, the banking industry is gradually stabilising. Money markets are steadily calming. American banks that got a clean bill of health in this month's stress tests are queuing up to repay government money. A first wave of escapees is likely to include Goldman Sachs, Morgan Stanley and JPMorgan Chase. Those banks that emerge from this crisis with reputations and franchises strengthened will find it increasingly easy to raise funds, win clients, attract employees and buy assets.
然而,问题变得越来越集中。经过几个月的无所不在的恐惧,广泛的损失以及政府调控后,银行业正在逐步企稳。金融市场正逐渐恢复平静。美国的一些银行经过了这个月的压力测试,表明其财务状况良好,正在排队等候偿还政府的贷款。第一波的幸存者可能包括包括高盛、摩根斯坦利和摩根大通公司。在危机中脱颖而出的这些公司,声望和政府的特殊照顾都有所加强,这些公司筹集资金、赢得客户、吸纳人才,以及购买资产会比以前容易。
However the pack is shuffled, a few names keep resurfacing-in America, Goldman Sachs and JPMorgan Chase; and in Europe, Credit Suisse, Deutsche, BNP, Barclays and Santander. They can be whittled down further. In Europe, concerns over what lies on the balance-sheets of Deutsche and Barclays are ebbing but are not gone. The British bank's willingness to consider a sale of BGI, its asset -management arm, suggests worries over capital. Both banks still have lots of legacy assets, many of them tucked in the banking book.
银行业正在洗牌,一些公司将继续其荣耀一-美国的高盛和摩根大通公司、欧洲的瑞士信贷集团、德国德意志银行、法国巴黎银行、英国巴克莱银行,以及西班牙桑坦德银行。这些名字未来可能会减少。在欧洲,人们对德国德意志银行和英国巴克莱银行资产负债表的担忧正在减少,但却没有消失。英国银行正考虑卖掉BGI,其资产管理的左膀右臂,也表明对资产情况非常焦虑。这两个银行都有很多遗产资产,这些资产来自开户人的存折。
In America, Goldman still has legions of admirers. It has posted losses of less than $8 billion to date, a performance not nearly as bad as those of its direct peers. Its focus on risk management is a template for others to follow. But its renewed swagger should not conceal the fact that it needed to convert into a bank-holding company in order to survive the market storm-nor the questions that hang over its future earnings in a re-regulated industry.
在美国,高盛公司仍然备受倾慕。到目前为止,高盛公司公布了只有不到80亿美元的损失,表现比其它同行要好守些。高盛专注与风险管理的凰念是其他银行学习的样板。然而这些成绩不能掩盖这样的事实:它需要成为银行持股公司,以便躲过市场风暴——银行业的再规范也为其未来盈利带来了重重疑问。
That leaves Credit Suisse and JPMorgan Chase to take the grand prizes. Credit Suisse has had its share of misbaps during the crisis but it was quick to scale down its balance-sheet, has plotted a credible strategy for its investment bank and pulled well ahead of U8S, its main rival inwealth management. As for JPMorgan Chase, it has kept a tight rein on risk, managed capital well and acquired sensibly. None of this is much comfort for weary Swiss and American taxpayers, of course. Well-run or not, both banks present the problem of being far too important to fail.
瑞士信贷银行和摩根大通拔 得头筹。瑞士信贷银行在这场危机中虽然有些损失,但它迅速对资产进行减值准备,为投资银行标明信用对策,并遥遥领先于其资产管理方面的主要对手瑞士联合银行。至于摩根大通公司,它严格控制风险,对资本管理得当,且投资理性。这两家银行对萎靡的美国和瑞士纳税人心存警惕。不论经营情况如何,两家银行的问题是都太重要而不能倒闭。
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下面是读文网小编整理的关于房屋贷款的英语情景会话,以供大家学习参考。
Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。
Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾尔:我们希望得到一些有关抵押贷款方面的知识,弗洛拉先生。
We found a house that we'd like to buy.
我们找到了一所我们想买的房子。
Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .
弗洛拉:好的,巴克斯特先生。如果房屋从建成至今尚未超过10年,我们一般借给买房者的数额是银行对房屋估价的80%,而贷款期为30、35或40年。
Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .
巴克斯特:哦, 这几乎是一所全新的房子,我认为是两年前修建的。
A:Yes,it's a real good deal .The price is just right .
艾尔:是的,这真是的桩合适的买卖,价钱也很合理。
F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉,银行的估价总是低于实际市场价格的,巴克斯特先生。
so you'll have to figure on at least at a 25%-28% down payment .
因此,您必须计划支付至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾尔:是啊,这点我们已经估计到了,在我们的积蓄中攒的钱已足够支付30%的定金。
B:What's the interest rate on mortgage loans?
巴克斯特:抵押贷款的利息率是多少?
F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉:根据各种不同情况的贷款,利息率稍有差别,但是,对于银行的老主顾一般是8。75%左右。
A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.
艾尔:那么我们从结婚到现在8年来一直与这里的银行往来,弗洛拉先生。因此,我想我们是合乎条件的。
F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .
弗洛拉:是的,你们当然是符合条件的,巴克斯特先生。让我们先来填写这张申请表,然后就可以开始着手票据事宜,
It takes some time to complete a mortgage loan transaction.
要完成抵押贷款的交易是得花点时间。
B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特:我们还需要产权保险和火灾保险,对吗?
F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉:是的,这里有一本有关我们抵押贷款的小册子,这个小册子说明了必须要办的一切手续。
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下面是读文网小编整理的百科英语阅读:孕妇吃哪些水果好,欢迎大家阅读!
Grape is good for foetus, eating more can be benefit for fetal development, improving baby's partial black skin color.
葡萄可安胎,多吃有益胎儿发育、改善宝宝偏黑的肤色。
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6月份的四六级备考正在紧锣密鼓的进行中,一向作为复习重点的作文,自然不可小觑啦。2013年开始,四六级出现改革,作文也变成了多题多卷的命题形式。希望以下的文章能予以帮助。
The conception of green consumption has gradually become popular in China. More and more green foods are making their appearance on the market and more and more people are becoming conscious of environmental protection.
However, there still exist quite a few difficulties in the further promotion of green consumption. On the one hand, many people are still not quite clear of the advantages of green foods. On the other hand, due to high profits, many fake green foods are found in the market. Moreover, many consumers don’t want to pay extra money for green foods.
There may be several ways to solve these problems. Firstly, the government should supervise the good quality strictly to protect consumers’ interests. Secondly, the conception of green consumption should be further promoted and emphasized. Thirdly, the government should work together with manufacturers to make the price more reasonable.
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《学习拉》英语栏目收录了英美人日常生活中经常说到、用到的最实用的有关金融会话句子、短语,满足你的需求。
Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。
艾尔:我们希望得到一些有关抵押贷款方面的知识,弗洛拉先生。
We found a house that we'd like to buy.
我们找到了一所我们想买的房子。
Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .
弗洛拉:好的,巴克斯特先生。如果房屋从建成至今尚未超过10年,我们一般借给买房者的数额是银行对房屋估价的80%,而贷款期为30、35或40年。
Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .
巴克斯特:哦, 这几乎是一所全新的房子,我认为是两年前修建的。
A:Yes,it's a real good deal .The price is just right .
艾尔:是的,这真是的桩合适的买卖,价钱也很合理。
F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉,银行的估价总是低于实际市场价格的,巴克斯特先生。
so you'll have to figure on at least at a 25%-28% down payment .
因此,您必须计划支付至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾尔:是啊,这点我们已经估计到了,在我们的积蓄中攒的钱已足够支付30%的定金。
B:What's the interest rate on mortgage loans?
巴克斯特:抵押贷款的利息率是多少?
F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉:根据各种不同情况的贷款,利息率稍有差别,但是,对于银行的老主顾一般是8。75%左右。
A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.
艾尔:那么我们从结婚到现在8年来一直与这里的银行往来,弗洛拉先生。因此,我想我们是合乎条件的。
F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .
弗洛拉:是的,你们当然是符合条件的,巴克斯特先生。让我们先来填写这张申请表,然后就可以开始着手票据事宜,
It takes some time to complete a mortgage loan transaction.
要完成抵押贷款的交易是得花点时间。
B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特:我们还需要产权保险和火灾保险,对吗?
F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉:是的,这里有一本有关我们抵押贷款的小册子,这个小册子说明了必须要办的一切手续。
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作文题目:绿色消费
Green Consumption
参考范文:
The conception of green consumption has gradually become popular in China. More and more green foods are making their appearance on the market and more and morepeople are becoming conscious of environmental protection.
However, there still exist quite a few difficulties in the further promotion of green consumption. On the one hand, many people are still not quite clear of the advantages of green foods. On the other hand, due to high profits, many fake green foods are found in the market. Moreover, many consumers don’t want to pay extra money for green foods.
There may be several ways to solve these problems. Firstly, the government should supervise the good quality strictly to protect consumers’ interests. Secondly, the conception of green consumption should be further promoted and emphasized. Thirdly, the government should work together with manufacturers to make the price more reasonable.
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名词解释:每年的3月15日是“国际消费者权益日” (World Consumer Rights Day) ,由国际消费者联盟组织于1983年确定,目的在于扩大消费者权益保护的宣传,使之在世界范围内得到重视,以促进各国和地区消费者组织之间的合作与交往,在国际范围内更好地保护消费者权益。你知道怎么用英语表达吗?
In 1983, the international organization of consumers unions determined March 15 of each year as "World Consumer Rights Day".
On March 15 each year, China Consumer Association and the local associations at all levels also jointly organize massive campaigns, including exhibitions and consumer education talks, aiming to promote consumer protection and interests.
Above all, the difficult problems which consumers face in the online transaction have brought huge challenge for the traditional law of consumer rights protection though new regulations allow online shoppers to return purchases within seven days with no reason needed.
1983年,国际消费者联盟组织确定每年的3月15日为“国际消费者权益日”。
每年的3月15日,中国消费者协会及地方各级协会携手举办各种大规模的宣传活动,如举办展览和消费者教育讲座,旨在促进和保障消费者权益。
尤为重要的是,尽管新规允许网络购物者在购买商品的7天内可以无理由退货,在线交易中消费者面临的难题依然给传统的消费者权益保护法带来了巨大的挑战。
【讲解】
文中的World Consumer Rights Day就是“国际消费者权益日”的意思,与消费者维权相关的表达有:投诉热线(hotline for complaint),媒体曝光(media exposure),有缺陷的产品(defective products),规范市场秩序(regulate market order)。
第三段中的transaction是可数名词,意为“交易,业务”,如:cash transaction(现金交易),online transaction(在线交易)
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名词解释:假消费主义(fauxsumerism),是一个外来语热词,指只喜欢逛街但不会购买商品的一种潮流。年轻人认为这种“纯逛”能带来无穷的乐趣。你知道怎么用英语表达吗?
The rise of fauxsumerism was revealed in a recent study of 1,300 14-to-34-year olds in the US. These millenials, born between 1980 and 2000 are browsers rather than buyers.
The report also found that they created wishlists, both to engage with brands and for fun, with no intention of actually buying. Sometimes they don't have the money to make the purchase but save the item anyway.
There is even the suggestion that these fauxsumers get the same kick out of saving an item as they would if they had bought it.
美国最近的一项研究调查了1300名14岁到34岁的年轻人,从而发现了“假消费主义”这一潮流。这些20世纪80年代到2000年出生的“千禧年一代”更喜欢逛而不是买东西。
这项报告还发现,他们会列出商品的心愿清单,一方面可以了解品牌,另一方面为了寻求乐趣,但并没有真的打算购买商品。有时,清单上的商品他们根本买不起,但他们还是会把它们放在清单上。
有人指出,这些假消费者将商品保存在清单中所获得的乐趣可能相当于他们购买该商品时所获得的乐趣。
文中的fauxsumerism就是“假消费主义”的意思,这个流行新词是通过混成法构成的,即将两个词混合或各取一部分紧缩成一个新词。后半部分表示主体,前半部分表示属性。fauxsumerism这个词是由faux(虚假的)和consumerism(消费主义)混成的。由混成法构成的词语还有:smog(烟雾)、telecast(电视广播)、heliport(直升飞机场)等。
此外,需要注意的是文中第三段的kick用作名词,解释为“刺激感”,例如:get a kick out of the show(看演出带来的快感)。
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名词解释:三公消费,指政府部门人员因公出国(境)经费、公务车购置及运行费、公务招待费产生的消费,是当前公共行政领域亟待解决的问题之一。全国人大会2011年6月30日表决通过关于批准2010年中央决算的决议,经财政部汇总,2010年中央行政单位、事业单位和其他单位“三公“支出合计94.7亿元。你知道怎么用英语表达吗?
Almost all central government departments, excluding the Ministry of Science and Technology (MST), failed to publish expenses for "overseas trips, vehicles and receptions" by the end of June, a deadline set by the State Council.
The government's "opaque" spending has exacerbated public concerns about potential corruption and extravagance on the part of officials.
Since May, the State Council has repeatedly called on its ministries to reduce "squandering practices" and make their fiscal information public in more areas and "provide greater details", especially regarding funds used for the "three public consumptions" - overseas travel, receptions and official cars - as these items have long been criticized as "sources of corruption and waste".
包括科技部在内的几乎所有中央政府部门,都没能在6月底公开“出境费用、车辆费用和接待费用”,国务院要求的截止时间是6月底。
政府经费的“不透明”使公众更加担心部分官员可能会有腐败和浪费的行为。
自五月开始,国务院三令五申要求各部门减少“铺张浪费”并且向公众公开财政信息和“提供更详细细节”,特别是用于“三公消费”的经费——公费出国、公务接待和公车私用,这三项长期以来被批评为“腐败和浪费的根源”。
文中的“three public consumptions”就是“三公消费”,“三公”经费是指财政拨款开支的出国(境)经费(overseas trips)、车辆购置及运行费(vehicle purchasing and maintenance)、公务接待费(official receptions)。要求公开“三公消费”表明腐败行为和权力滥用(practices of corruption and power abuse)会削弱公众对政府的信心(impair the citizens' confidence in the government)。
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摘要:在中国,SUV车型的市场增速比其它任何一种车型都快,所有厂商都在经销商展厅里摆放更多SUV车型。据业界统计,今年3月中国内地的SUV销量为234,900辆,同比大增49%。
Amid Electric Push, China's Cars Get Bigger
中国消费者爱什么车?越大越好
Bigger is better in China.
在中国,车是越大越好。
It’s hard to walk 20 meters at the Shanghai auto show without seeing a burly off-road style sport-utility vehicle, jacked-up pickup truck or even a motor home.
在上海车展上,几乎每走20米就能看到一辆“身材魁梧”、有越野风范的运动型多用途车(SUV)、底盘抬高的皮卡车,甚至是房车。
It looks a lot like the Detroit auto show from the late 1990s. In this case, most of the vehicles on display are built by Chinese manufacturers and many bear striking resemblances to U.S. or Japanese models.
这届上海车展与上世纪90年代末的底特律车展很像。本届车展上,绝大多数参展车辆由中国厂商生产,其中很多车与美国或日本车惊人地相似。
Indeed the market here for sport utility vehicles is growing faster than any other segment and every company is putting more on dealer lots. In March, SUV sales in China surged 49% to 234,900 vehicles compared with a year ago, according to industry statistics.
在中国,SUV车型的市场增速比其它任何一种车型都快,所有厂商都在经销商展厅里摆放更多SUV车型。据业界统计,今年3月中国内地的SUV销量为234,900辆,同比大增49%。
Mike Manley, the chief of the Chrysler Group LLC’s Jeep brand, said he believes the sport-utility vehicles appeal to buyers here because they show added status in a society where it is important to demonstrate how far you have come.
克莱斯勒集团有限公司(Chrysler Group LLC)旗下吉普(Jeep)品牌负责人曼利(Mike Manley)说,他觉得SUV之所以对中国买家有吸引力,是因为这种车表明车主的社会地位更高,而在中国展示个人成功是很重要的一件事。
Ford Motor Co. F +1.41% is planning to “over index” on SUVs in China, said Jim Farley, its global marketing chief, in an interview.
福特汽车公司(Ford Motor Co.)全球营销负责人法利(Jim Farley)说,福特计划加大对中国市场上SUV的投入。
This push to go big comes even as the Chinese government is working on new fuel economy standards.
这种青睐大型车的趋势并没有受到中国政府努力制定节能新标准的影响。
The country is trying to both limit its oil consumption and reduce air pollution. And a push for electric vehicles continues, but very few have been sold.
中国目前正试图限制油耗,减少空气污染。推进电动汽车的努力仍在继续,但这种车仍几乎卖不出去。
General Motors Co. GM +0.59% is making a renewed push for its Cadillac brand in China. At the auto show, the most prominently displayed model is the Escalade, a very large SUV that had its heyday a decade ago in the U.S.
通用汽车公司(General Motors Co.)目前正重新在华宣传旗下品牌凯迪拉克(Cadillac)。在本届上海车展上,最引人注目的参展车型是凯雷德(Escalade)。这是一款10年前在美国风光无限的大型SUV。
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百科全书是概要记述人类一切知识门类或某一知识门类的工具书 ,那么你知道百科全书的英文怎么读吗?现在跟读文网小编一起学习关于百科全书的英语知识吧。
The other day, a few of us here at VOA got to talking about occupations that have grown obsolete, or nearly so, in these fast-changing times. Typewriter repair technician for one. And typist, come to think of it.
某一天,我们几个在VOA讨论这瞬息万变的时代中已经过时的职业,或近如此。打字机维修工就是这样。哦,对,还有打字员。
And here's one that's going, going but not quite gone: reference-book publisher.
还有一种职业虽然已经落伍,但却没有完全销声匿迹:那就是参考书出版商。
Shelves on offices across America are still packed with sets of encyclopedias and thick individual books about geography, history, law, science, and the origin and use of words.
全美各个办公室的货架上仍然摆满了整套百科全书和厚厚的地理、历史、法律、科学、词语来源及使用方面的个人书籍。
But most of them haven't been cracked open in months or years. They have become historical artifacts - part of the office décor.
但是它们中的大多数已经数月或数年没有拆封。它们已经成为历史文物,或者办公室装饰的一部分。
It's not because their users have grown lazy, or because the books' contents are any less valuable. As you might guess, it's because their information is available in a flash in hundreds or even thousands of places online.
这并不是因为它们的用户已经慵懒,或是书的内容已经不再具有价值。正如你可能猜到的那样,这是因为它们的内容信息已经在互联网上唾手可得。
If you want to find out about honeycombs, for instance, you're not limited to a trusty encyclopedia article, perhaps written 20 years ago. On the Worldwide Web, you can electronically access as much about honeycombs as you feel like reading. Or watching.
比如如果你想了解蜂巢这个词,你根本不必局限于百科全书20年前一篇可信的文章。在互联网,只要你喜欢阅读,或者观看视频,你就可以查到非常多的有关蜂巢的各种电子信息。
Fewer than half the sets of expensive, specialized encyclopedias are being sold today than were 10 years ago. But this hasn't put reference-book publishers out of business. They're making up for lost revenue by selling subscriptions to the electronic version of their works to libraries, universities, hospitals, and law offices around the world. The online encyclopedias are regularly updated and offer visual treats not found in the paper edition.
套装昂贵的专门的百科全书与10年前相比现今的销售量全国只有不到一半。但这还没有让参考书出版商绝迹。他们靠对遍布世界的图书馆、大学、医院、律师事务所出售订阅电子版本来弥补这些失去的收入。在线百科全书定期更新并且提供纸制版本没有的视觉享受。
Their publishers, or perhaps we should say "content creators," have little choice if they want to stay in business. At least they're saving big bucks at their book warehouses, and sparing lots of trees as well.
他们的出版商,或许我们应该说“内容的创造者” 如果想待在此行业,就很少有的选择。至少他们在仓库已经节省下大笔的钱,或者使很多树木不至于遭受砍伐。
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贷款是银行或其他金融机构按一定利率和必须归还等条件出借货币资金的一种信用活动形式。广义的贷款指贷款、贴现 、透支等出贷资金的总称。银行通过贷款的方式将所集中的货币和货币资金投放出去,可以满足社会扩大再生产对补充资金的需要,促进经济的发展;同时,银行也可以由此取得贷款利息收入,增加银行自身的积累。那么你知道贷款用英语怎么说吗?下面来学习一下吧。
credit
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消费者,简单的讲:就是使用产品、消耗产品的人。科学上的定义为,为食物链的中的一个环节,代表着不能生产,只能通过消耗其他生物来达到自我存活的生物。那么你知道消费者的英语单词是什么吗?下面来学习一下吧。
任何品牌转变都可能让消费者感到困惑。
Any branding shift could confuse customers.
它指出这个缺口可通过改变消费者行为而填补。
It argues the gap has to be bridged by changing consumer behaviour.
这些消费者洞察暗示了这个品牌的哪些方面?
What do these insights suggest or signal about the brand?
假冒伪劣商品使中国的消费者饱受其害,并最终醒悟。
Fake and low-quality products have disillusioned customers in china.
消费者期望获得何种水平的客户服务?
What level of customer service do people expect?
消费者信心的提升对经济的复苏至关重要。
Improved consumer confidence is crucial to an economic recovery.
商店为了迎合“自己动手”的狂热心理,为消费者提供可以在家里组装的零件。
Shops cater for the do-it- yourself craze by offering consumers bits and pieces which they can assemble at home.
要鼓励消费者对劣质商品投诉。
Consumers are encouraged to complain about faulty goods.
我们需要从消费者那里多得到些反馈信息以提高产品质量。
We need more feedback from the consumer in order to improve our goods.
葡萄酒消费者可以分为两类:国内葡萄酒消费者和进口葡萄酒消费者。进口葡萄酒消费者更富裕,并有更强的品牌意识。
Wine drinkers can be broken down into those drinking imported and domestic wines.
非消费者并不限于位于金字塔底层的人群。
Nonconsumption goes well beyond the bottom of the pyramid.
消费者将选择任何能带来较高消费者剩余的商品。
Consumers buy whichever product offers the higher consumer surplus.
这不仅有利于当前的消费者,对以后的任何消费者也是有用的。
It will not only help you for your immediate consumer but for everyone thereafter.
一旦三星犯错,记得三星形象的消费者或许会宽容些。
And when Samsung does, customers who can connect a face to the name may be just a tad more forgiving.
消费者那些让人捉摸不透的喜好、市场的不确定性和宏观经济的种种变数都是汽车行业的高管们要面对的问题。
Executives are subject to the whims of customer preference, the uncertainty of the marketplace, and vagaries of macroeconomic forces.
很多公司极力追逐利益,甚至新进员工都清楚公司只是为了挣钱而不是提高消费者满意度。
How many companies pursue revenue opportunities that any new recruit knows the company is doing to make money rather than delight customers.
但是,许多真正在环保领域推陈出新的企业却并不愿意赤裸裸地用绿色和环保吸引消费者的眼球。
But many of the most genuine corporate innovators in the environmental space prefer not to throw it in their customers 'faces.
你们有超过一亿消费者,而且依照AT&T的公司性质,你们可以掌握消费者的大量信息。
You have over 100 million customers, and by the nature of the business, you can know a great deal about them.
2010年,四名沃顿商学院(Wharton Business School)的MBA毕业生成立了Warby Parker眼镜公司,想把眼镜直接卖给消费者,所以直接向消费者进行营销也是很合理的。
When four Wharton MBA graduates started eyeglass ecommerce operation WarBy Parker in 2010, they wanted to sell their eyewear directly to customers.
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个人存单质押贷款是借款人以未到期的个人本、外币定期存单作质押,从银行取得一定金额的人民币贷款,并按期偿还贷款本息的贷款业务。接下来小编为大家整理了什么是个人存单质押贷款,希望对你有帮助哦!
Personal loan pledged by certificates of deposit (CD) /treasury bonds is a kind of business combining deposit and loan in which the client gets a certain amount of Renminbi loan from the bank by pledging undue certificate(s) of time deposit and also repays the principal and interest accrued on schedule. CDs used for hypothecation are limited to certificates of time deposits issued by the savings outlets in the local administrated area of the tier-one branches of and branches under the Bank of China.
Any resident in China with full capacity for civil conduct, holder of undue certificates of time deposit in local or foreign currencies issued by the Bank of China or treasure bonds, may apply for a personal loan pledged by CDs/treasure bonds to the Bank.
The length of maturity of a personal loan pledged by CDs/treasury bonds may not exceed the due date of the pledged CD. Besides, the longest maturity shall be one year. If multiple certificates of personal deposit are pledged, the length of maturity shall be set according to the nearest due date. For automatic renewal certificates of deposit, the length of maturity shall be set according to the length of automatic renewal.
The interest rate for loans of the same grade announced by the People's Bank of China applies to the interest rate for personal loans pledged by CDs/treasury bonds. The interest rate shall not float beyond the ceiling rate specified by the People's Bank of China. If the length of maturity is less than six months, the interest rate shall be that for the six month loan. For repayment before maturity date, the interest shall be calculated according to the originally set interest rate and the actual number of days of borrowing. In case the People's Bank of China adjusts the interest rate, the contracted interest rate is still adopted within the length of maturity.
Borrowers may use the loans for purchases of houses, cars and expensive consumer durables, for house refurbishing, vacation and travel, education and other consumer demands, as well as for working capital demand in normal operations.
The minimum amount of a personal loan pledged by CDs/treasury bonds is RMB1,000. The amount of the loan shall in principle not exceed 90% of the face value of the pledged CD (for deposits in foreign currencies, calculated in Renminbi translated at the current day buying rate of foreign exchange ). The maximum borrowing limit of a single loan shall in principle not exceed RMB3,000,000.
The borrowers may use cash or deposits with the Bank of China for debt service. With the consent of the lender, the borrowers may repay the principal and interest of the loans ahead of schedule.
个人存单质押贷款是以客户未到期的定期储蓄存单做质押,从银行取得一定金额的人民币贷款,并按期偿还贷款本息的一种存贷结合业务。用于质押的存单仅限于中国银行一级分行及直属分行本辖区内各储蓄网点所开具的定期储蓄存单。
凡具有完全民事行为能力的中国境内居民,持有中国银行开具的未到期本、外币定期储蓄存单者均可向我行申请办理个人存单质押贷款。
个人存单质押贷款期限不得超过质押存单的到期日,且最长不超过一年。若为多张个人存单质押,以距离到期日最近的时间确定贷款期限。办理自动转存的存单视自动转存期限长短确定。
个人存单质押贷款利率按中国人民银行公布的同档次贷款利率执行。利率上浮的最高比例不得超过中国人民银行的规定。借款期限不足6个月的按6个月贷款利率确定,提前还贷按原定利率和实际借款天数计算。如遇中国人民银行调整利率计息,在贷款期限内仍按合同利率执行。
借款人可将贷款用于购买住房、汽车、大额耐用消费品和用于家居装修、度假旅游、教育助学等消费需求,以及用于正常经营的资金需求。
个人存单质押贷款额度起点为人民币1000元;贷款金额原则上以不超过存单面额80%的质押率计算(外币存款按当日公布的外汇(钞)买入价折成人民币计算);贷款最高限额原则上单笔不超过10万元人民币。
借款人可用现金或其在中国银行的存款偿还贷款本息。经贷款人同意,借款人可提前归还贷款本息。
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大额耐用消费品贷款是指向消费者个人发放用于购买大额耐用消费品的人民币贷款。接下来小编为大家整理了什么是大额耐用消费品贷款,希望对你有帮助哦!
Large consumer durables refer to Renminbi loans granted to individual consumers to facilitate purchases of expensive consumer endurables. Expensive consumer endurables refer to household endurable commodities with a unit price of 3,000 yuan or higher and a normal service life of more than two years, including household electrical appliances, computers, furniture, body-building apparatus, sanitary tools, musical instruments, etc. (excluding cars and houses). Large consumer durables loans may be used only for expensive consumer endurables operated by tied sellers that have entered into related agreements with the lender and undertake installment payment business. The length of maturity of large consumer durables loans is usually within one year, with the longest up to three years (or shorten). For a borrower close to the age of retirement, the length of maturity may not exceed the age of retirement (usually 55 for a woman and 60 for a man). The interest rate for large consumer durables loans shall be the rate for loans of the same grade stipulated by the People's Bank of China, and the interest rate shall fluctuate upwards in line with the regulations of the People's Bank of China.
If the length of maturity is within one year, interests shall be computed at the contracted interest rate, and they shall remain unchanged in case of the adjustment of the legal interest rate; if the term of one loan is over one year, in case of adjustment of the legal interest rate, a new interest rate shall be adopted in accordance with the relevant grade of interest rate as from the beginning of the following year. The credit lines for large consumer durables loans range from RMB2,000 to RMB100,000. The down payment of a borrower in purchasing expensive consumer goods shall not be less than 20% of the total value of the purchase, and the amount of borrowing may not exceed 80% of the total value of the purchase. The borrower shall open a current account with the Bank of China, and according to the repayment plan provided in the contract, deposit money sufficient for the current repayment of the loan and the interest accrued in the current account prior to the day of repayment and also authorize the lender to withhold the right of deducting the amount from the account on schedule. Within the borrowing time limit, the borrower may, according to the methods of repayment provided by the lender, repay the principal and interests of the loan by installment or by lump sum in full. With the consent of the lender, the borrower may service the debt ahead of schedule.
大额耐用消费品贷款是指向消费者个人发放用于购买大额耐用消费品的人民币贷款。大额耐用消费品是指单价在3000元以上(含3000元)、正常使用寿命期在二年以上的家庭耐用商品,包括家用电器、电脑、家具、健身器材、卫生洁具、乐器等(汽车、房屋除外)。大额耐用消费品贷款只能用于购买与贷款人签订有关协议、承办分期付款业务的特约销售商所经营的大额耐用消费品。 大额耐用消费品贷款的期限一般在一年以内,最长为三年(含三年)。将至退休年龄的借款人,贷款期限不得超过退休年限(一般为女性55岁、男性60岁)。 大额耐用消费品贷款的利率执行中国人民银行规定的同档次贷款利率,利率上浮应符合中国人民银行的规定。
贷款期限在一年以内的,按合同利率计息,遇法定利率调整不变;贷款期限在一年以上的,遇利率调整,于下年初开始,按相应利率档次执行新的利率水平。 大额耐用消费品贷款额度的起点为人民币2千元,最高额不超过10万元;借款人用于购买大额耐用消费品的首期付款额不得少于购物款的20%,借款额最高不得超过购物款的80%。 借款人应在中国银行开立活期存款账户,按合同约定的还款计划,于每次还款日前,在活期存款账户中存入足够偿还本期贷款本息的款项授权贷款人按期扣款。 在借款期限内,借款人按照贷款人规定的还款办法,可分次或一次性地足额归还贷款本金和利息。 经贷款人同意,借款人可提前归还贷款本息。
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个人贷款,又称零售贷款业务,经过几十年的发展,已成为一项重要的贷款业务。接下来小编为大家整理了个人贷款种类的介绍,希望对你有帮助哦!
Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing.
个人购置住房贷款是指银行向借款人发放的用于购买自用普通住房的贷款。
The prospective borrower of personal housing loan should be a natural person having a complete civil capacity.
个人购置住房贷款对象应是具有完全民事行为能力的自然人。
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个人综合消费贷款是各银行等向借款人发放的用于指定消费用途的人民币担保贷款。接下来小编为大家整理了什么是个人综合消费贷款,希望对你有帮助哦!
Personal comprehensive consumer loan is referred to the RMB loan provided to the borrower by the bank, used for designated concrete consumption. It can be divided into 4 levels as 6-month, 1-year, 2-year and 3-year. The loan varies from 2,000 Yuan to 500,000 Yuan. Personal comprehensive consumer loan features wide consumption uses, high loan line, flexible loan term, etc. It's the ideal choice for a wide range of consumers for achieving the aim of "pay thefuture fortune in advance and enjoy advancing life". The loan line should be more than 2,000 Yuan and less than 500,000 Yuan and the detailed loan line will be determined by bank according to borrower's credit status and the guarantee offered. The term of the loan can be divided into 4 levels, such as 6-month, 1-year, 2-year and 3-year. The loan interest rate is implemented in accordance with the loan interest rate stipulated by the People's Bank of China for the corresponding period. If the loan term is shorter than 1 year, the contract interest rate will be implemented; If the loan term is longer than 1 year, it will be counted on grades and the regulation of legal interest rate will start from the beginning of next year, and the new interest rate shall be implemented in accordance with corresponding interest rate.
个人综合消费贷款是银行向借款人发放的用于指定消费用途的人民币贷款。 款期限分6个月、1年、2年、3年四个档次,贷款限额为2000元至50万元。个人综合消费贷款具有消费用途广泛、贷款额度较高、贷款期限灵活等特点,是广大消费者实现“预支未来财富,享受超前生活”的理想选择。 贷款额度最低为2000元,最高为50万元,由银行根据借款人资信状况及所提供的担保情况确定具体贷款额度。 贷款期限分6个月、1年、2年、3年四个档次。 贷款利率按照中国人民银行规定的同期贷款利率计算。在贷款期间如遇利率调整时,贷款期限在1年(含)以下的,按合同利率计算;贷款期限在1年以上的,实行分段计算,于下一年年初开始,按相应利率档次执行新的利率。
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消费是社会再生产过程中的一个重要环节,也是最终环节。那么你知道消费用英语怎么说吗?下面跟读文网小编一起学习消费的英语知识吧。
1. Novello says college students will spend $4.2 billion yearly on alcoholic beverages.
诺韦洛说大学生每年在酒精饮品上会消费掉42亿美元。
2. Spending could outrun the capacity of businesses to produce the goods.
消费有可能超出企业的产能。
3. We have allowed spending and borrowing to rise in this recession.
在此经济萧条时期,我们容许增加消费和借贷。
4. The reduced consumer demand is also affecting company profits.
消费需求的降低也影响到了公司的利润。
5. T-shirts, the epitome of American casualness, have moved upscale.
象征美国休闲风格的T恤,已经向高端消费市场迈进。
6. They are also spending much less on extras like meals in restaurants.
他们花在下馆子等额外消费上的钱也少多了。
7. There is a set menu from £4.00 for two courses with coffee.
有最低消费是4英镑的两道菜加咖啡的套餐。
8. The restructuring of the pattern of consumption in Britain also lagged behind.
在消费结构重组方面,英国也落后于人。
9. Recycling the waste from our increased consumption is better than burning it.
对我们增加消费产生的垃圾进行回收要好过将其焚烧。
10. Consumers did not spend and create jobs; they hoarded.
消费者并没有消费进而创造就业机会,他们把钱都存起来了。
11. South Korea's imports of consumer products jumped 33% in this year.
今年,韩国消费产品的进口激增了33%。
12. New consumer credit fell to $3.7 billion in August.
8月份新增消费信贷降至37亿美元。
13. She later developed a taste for expensive nightclubs.
她后来逐渐变得喜欢去消费高昂的夜总会。
14. They have clearly embraced Western consumerism.
他们显然完全接受了西方的消费主义观念。
15. the lowering of taxes and the consequent increase in spending
税收降低与随之引起的消费增长
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