credit profiles

Chinese translation: 信用状况

08:57 Jul 5, 2004

English to Chinese translations [PRO]
Bus/Financial - Finance (general)

English term or phrase: credit profiles

Mr Boyd says that as banks start looking at the Basel II world, they are reassessing their relationships to ensure that they are earning an appropriate return on these relationships. As the capital associated with lending adjusts from the Basel I methodology to that of Basel II, he believes clients will perceive a change in behaviour towards them from their banks.
“Borrowers with weaker credit profiles may now find that the return on their credit alone is not going to meet a bank’s hurdle rate. In this case the bank will normally look at the ancillary revenue on the relationship, to see if on this basis they can get above the hurdle for the amount of capital committed. Banks are becoming more aware of which client relationships are getting them over that hurdle or, in other words, which clients they can add the most value to in exchange for a good return. When this can’t be achieved, we’ve seen banks reducing the amount of capital they are willing to commit to some clients in order to bring them in line with their target return. We expect that this trend will continue,” says Mr Boyd.

clearwater KudoZ activity Questions: 12458 (5 open) (1 without valid answers) (1079 closed without grading) Answers: 1671 China
Local time: 12:03

Chinese translation:信用状况

Explanation:
请见：
credit history and profile信用记录和规模

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Note added at 1 hr 44 mins (2004-07-05 10:41:50 GMT)
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我认为在以上连接中的“规模”不是很好，“状况”似较好，请见“企业信用状况将分为四等严重失信就吊你执照”FROM：
http://news.xinhuanet.com/fortune/2003-08/07/content_1014514...

财务信用评级--中关村国际孵化园

Selected response from:

Jianming Sun
Local time: 12:03

Grading comment

谢谢！
profile：概况－＞状况。
4 KudoZ points were awarded for this answer

Summary of answers provided

4 +2

贷款能力，信用历史

Ozethai

4 +2

信用状况

Jianming Sun

Answers

37 mins confidence:

peer agreement (net): +2

贷款能力，信用历史

Explanation:
Credit profiles are the credit history of a person or a business. Your credit profiles in the past determines your credit-worthiness in the future.

Ozethai
Australia
Local time: 14:03
Specializes in field
Native speaker of:

Thai,

Chinese
PRO pts in category: 30

1 hr confidence:

peer agreement (net): +2

信用状况

Jianming Sun
Local time: 12:03
Native speaker of:

Chinese
PRO pts in category: 31

Grading comment

谢谢！
profile：概况－＞状况。

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Chinese translation: 信用状况

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