Nowadays banking business in Taiwan is over-banking. Price competition could not decrease losses any more. The only thing is to made accurate valuation, decrease vicious competition, and stop cutting down loan premium.
三、以银行业呈现过度竞争的现状，若继续从事价格竞争的活动不能有效抑制损失的发生，惟有银行业者对於放款利率作出正确的评价，降低相互恶性竞争，减少放款价差所造成的损失，才能有助於本业营业利益的改善。
The Foreign bank comes China to set up the Branch office, also has in the service the competition, simultaneously also has the Renminbi necessary service, this foreign currency settlement and the large scale projects implements aspect and so on syndicate loan cooperations.
高手快来翻译一下吧，急死了外资银行来中国设立分支机构，既存在业务上的竞争，同时也存在着人民币配套业务、本外币结算和大型项目实行银团贷款等方面的合作。
With the high profit margin in the business of consumer finance, a fierce competition is expected among domestic and foreign bankers when this primary market is open, and consumer finance services such as consumer loan and financial cards will become the impetus to financial innovation for domestic bankers in Mainland China.
著眼於消费金融领域的高利润率，可预料大陆履行入世承诺后，这块初级的市场，将是中外资金融机构角力的战场，消费信贷和银行卡等消费金融服务也将是大陆银行金融创新的推手。
The 18-year-old Reds defender, who is currently on a three-month loan at Edgar Street, was a vital member of the young Reds side that won the FA Youth Cup for two years in succession and he is now hoping the experience of playing first-team football in the senior competition will help boost his development.
这位18岁的红军后卫目前租借在埃德加大街球场，他是过去两个赛季红军青年队婵联青年足总杯冠军的主要功臣之一。他希望在乙级联赛积累的一队经验可以帮助自己提高能力。
B: Well, there is a lot of competition and it also depends on the loan term.
这个嘛，是因为竞争激烈，还有这些利率也是依照贷款期限制定的。
In the loan marketing of the banks, we should correct the wrong marketing concept of non-difference marketing, non-competition concept and non-analysis about the customers.
第二章是贷款营销上的 6 个特殊性分析，即贷款产品的本质特性是服务、具有过程性、共生性、不转移所有权的交换、交换实现的非即时性、风险的不对称特点。
It can protect management environment of equity competition, stimulate the development of personal house credit, and impress on the choice of comates, clients and the adjustment of loan policy heavily.
从商业银行的实际情况看，一方面，有的行对发展个人住2房贷款业务的重要性认识不够，态度不积极，工作不主动；有的行在营销上缺乏力度和手段；个人住房贷款从业人员整体素质不高。
As the result shows, the competition pattern of the domestic banking is that the state- owned bank is still monopolizing the assets, deposit and loan market at present, But from the development of trends, monopolize pattern break constantly, competition increases day by day, the shareholding commercial bank has stronger vigor and very fast develop speed, In the domestic banking, the scale of China Merchants Bank is in the front, profit ability and risk resist ability is better, compared with state-owned bank, comprehensive competitive power is stronger, the potentiality to develop is very great, the growth is very strong, in the lead of 10 shareholding banks, occupy the first place among four public-listed commercial banks, but compared with foreign outstanding bank, disparity exists on profit ability and manage security.
在国内银行业中，招商银行规模居于前列，盈利能力和风险抵御能力较强，与国有银行相比，综合竞争能力是比较强的，发展的潜力很大，成长性很强，在10家股份制商业银行中处于领军地位，在4家上市银行中居于首位，但是与国外的优秀银行相比，在盈利能力和经营安全上也还存在较大的差距。
Moreover, relaxing of market access, increasing the competition of the rural financial market, and broadening the scope of collateral can help narrow the gap of farmers'loan demand and improve the level of rural financial services.
此外，放宽市场准入，增加农村金融市场的竞争性，并拓宽抵押范围，有助于缩小农户贷款需求缺口，提高农村金融服务水平。
It is generally acknowledged that the causes for the low efficiency and weak competitiveness of Chinese commercial banks are extensive management, policy loan, state-owned enterprises and social credit conditions, out-of-order market competition, etc.
一般认为，导致我国商业银行效率和竞争力低下的原因是粗放式经营、政策性贷款、国有企业和社会信用状况、市场竞争秩序混乱等。
As the development of Chinese social economy and financial market, business bank faces good opportunity to use intermediate business to avoid homogeneous competition in deposit and loan business.
社会经济的持续发展和金融市场的逐步完善，对商业银行通过发展中间业务以有效回避传统存贷业务同质化竞争提供了良好的发展前景。
Especially, the traditional personal banking business such as housing loans and car loan market continues to shrink. The commercial banks transfer their competition core to the credit card business.
尤其是在作为传统的个人银行业务重点的住房贷款和汽车贷款市场持续萎缩，风险层出不穷的情况下，商业银行把竞争的核心转向盈利能力强、市场空间大的信用卡业务。
With the rapid development of financial markets and banking fierce competition, the bank has an optimistic development prospect about intellectual property financing business, and has introduced intellectual property impawn loan products.
伴随着金融市场的迅速发展和银行业的剧烈竞争，银行都看好知识产权融资业务的发展前景，不断推出知识产权质押贷款的相关产品。
The Chinese capital markets grow out of nothing, and the financing tools vary such as short term financing bonds. With the fierce competition of the same industry, the credit businesses of commercial banks face to the unprecedented challenge and the net interest margin loan decrease gradually.
我国的资本市场从无到有，逐渐成长；短期融资券等融资工具不断丰富；加之逐渐剧烈的同业竞争，商业银行的信贷业务受到前所未有的挑战，存贷净利差在逐渐减小。
Commercial banks of our country control loans risk by managing the risk grade of single loan, which need adjusted in order to meet with the fierce competition.
我国商业银行通过控制单笔贷款的风险等级实现控制总体贷款组合风险等级目标的方式亦需要在趋于白热化的竞争中开始变革，以适应不断变化的外部环境。
Credit Cycles So loan pricing competition is the normality in market competition.
因此价格竞争将是银行信贷市场竞争的常态。
Under the terms of the loan agreement with Queens Park Rangers for Michael mancienne, Michael has permission to play in the FA Cup for qpr, however the player is not permitted to play against Chelsea in the competition.
根据双方的租借协议，曼西恩内虽然可以代表女王公园巡游者队参加足总杯的比赛，但他并不能参加对阵切尔西的比赛。
The competition between banks is getting intense, and traditional deposit and loan business profit becomes more and more low. In order to seek the new profit growth point, Banks turn from traditional to modern financial services.
同时，银行传统的存贷业务利润越来越低，为了寻求新的利润增长点，银行必须从传统的金融服务向现代金融服务转变。
Innovation is the effective way for domestic bank which can improve the personal housing mortgage loan environment of competition, but now it is subjected to insufficient macro-policy and immature microcosmic conditions.
创新是内资银行改善住房按揭贷款市场竞争环境的有效方法，但目前它受到来自宏观政策释放不充分以及微观条件不成熟的严重限制。
For housing mortgage loan, the bank can lower the proportion to increase the competition of the loan in the market; For auto loan, the bank should ask more higher proportion of first payment to decrease the default rate, and control the risk of auto loan.
对于住房抵押贷款，银行可以适当降低首付款，来提高本银行住房抵押贷款在市场的竞争力，对于汽车消费贷款，可以通过采取提高汽车贷款首付款的措施，来降低违约率，控制抵押贷款风险。