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【速搜问答】金融公司是什么

问答 admin 3年前 (2020-07-17) 603次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

金融公司(financial company)也称财务公司,在西方国家是一类极其重要的金融机构。金融公司分为销售金融公司、消费者金融公司及工商金融公司三类。一些金融公司由其母公司组建,目的是帮助推销自己的产品。

Financial company, also known as financial company, is an extremely important financial institution in western countries. Financial companies are divided into three categories: Sales financial companies, consumer finance companies and industrial and commercial financial companies. Some financial companies are formed by their parent companies to help market their products.

金融公司(financial company)(也称财务公司)在西方国家是一类极其重要的金融机构。其资金的筹集主要靠在货币市场上发行商业票据、在资本市场上发行股票、债券;也从银行借款,但比重很小。汇集的资金是用于贷放给购买耐用消费品、修缮房屋的消费者及小企业。金融公司分为销售金融公司、消费者金融公司及工商金融公司三类。一些金融公司由其母公司组建,目的是帮助推销自己的产品。比如,福特汽车公司组建的福特汽车信贷公司是向购买福特汽车的消费者提供消费信贷。

Financial company (also known as financial company) is an extremely important financial institution in western countries. Its funds are mainly raised by issuing commercial paper in the money market, issuing stocks and bonds in the capital market, and borrowing from banks, but the proportion is very small. The funds are used to lend to consumers and small businesses who buy durable consumer goods and repair their homes. Financial companies are divided into three categories: Sales financial companies, consumer finance companies and industrial and commercial financial companies. Some financial companies are formed by their parent companies to help market their products. For example, the Ford automobile credit company established by Ford Motor Company provides consumer credit to consumers who buy Ford cars.

职能区分

Division of functions

西方国家经营投资和提供长期资金的一种信用机构。它通过接受和收购企业发行的股票、债券等方式来融通长期资金,同时自己也发行证券进行资金调度,以此支持私人企业的发展。金融公司与一般长期投资公司具有不同的职能。前者主要是满足工商企业对长期资金的需求,后者主要是把小额分散的货币资金集中起来进行证券投资。

A credit institution operating investment and providing long-term funds in western countries. By accepting and purchasing stocks and bonds issued by enterprises to finance long-term funds, it also issues securities for capital dispatching to support the development of private enterprises. Financial companies have different functions from general long-term investment companies. The former is mainly to meet the needs of industrial and commercial enterprises for long-term capital, while the latter is to concentrate small and scattered monetary funds for securities investment.

识别原则

Identification principle

满足分类规则

Meet the classification rules

分类规则是任何分类过程必须遵守的基本规则,也是检查分类是否正确的准则。因此金融公司风险划分体系首先必须满足分类规则。分类规则主要有四种: i 完备性。科学意义上,划分出来的种的总合,应当等于属概念的外延。M=PI+P2+八+Pn。实践意义上,可能发生的每一个风险事件都能归为一个风险类别。风险划分体系的完备性是企业全面风险管理的基础。ii 独立性。科学意义上,根据划分出来的各个分项互不相容,具有全异关系。实践意义上,可能发生的每一个风险事件只属于一种风险类型。iii 准则唯一性。每一层次只有一个分类准则。iv 逻辑等级清晰。逻辑等级保证分类的严谨性和直观性。不在同一等级的风险不能并列罗列和讨论。

Classification rules are the basic rules that any classification process must follow, and also the criteria to check whether the classification is correct. Therefore, the risk classification system of financial companies must first meet the classification rules. There are four kinds of classification rules: I completeness. In the scientific sense, the total number of species divided should be equal to the extension of the concept of genus. M = Pi + P2 + 8 + PN. In practice, every possible risk event can be classified into a risk category. The completeness of risk division system is the basis of comprehensive risk management. II independence. In the scientific sense, each item divided according to the division is incompatible with each other and has an entirely different relationship. In practice, every possible risk event belongs to only one risk type. III. uniqueness of criteria. There is only one classification criterion for each level. IV the logic level is clear. The logic grade ensures the preciseness and intuition of classification. Risks not in the same level cannot be listed and discussed in parallel.

定义清晰

Clear definition

科学意义上,定义项一般是属性加种差,清晰的定义是形成类别体系的基础。因此各类风险的定义必须清晰,便于公司所有员工理解,并且保证在风险事件的记录、统计、监控和汇报时不会产生差错。

In the scientific sense, the definition term is generally attribute plus species difference, and clear definition is the basis of forming the classification system. Therefore, the definition of various risks must be clear, easy for all employees to understand, and ensure that there will be no errors in the recording, statistics, monitoring and reporting of risk events.

易于风险度量

Easy to measure risk

要想准确对金融公司全面风险进行预警,必须对各类风险进行准确的度量,以此来衡量覆盖风险的资本需求、风险转移的成本效益等。因此风险划分体系必须为风险度量创造有利条件。

In order to accurately forewarn the overall risks of financial companies, we must accurately measure all kinds of risks, so as to measure the capital demand covering risks and the cost-effectiveness of risk transfer. Therefore, the risk division system must create favorable conditions for risk measurement.

易于风险监管与控制

Easy to supervise and control risks

度量的目的是为风险预警决策与控制提供依据。仅按风险的数理表现特征来划分风险虽然可能满足度量要求,但是度量结果对企业采取风险控制措施可能没有贡献。因此,金融公司风险划分体系在度量要求的基础上还必须兼顾风险监管的要求,以便根据风险状况采取风险控制和转移措施,使度量结果获得最大的经济效益。

The purpose of measurement is to provide basis for risk early warning decision and control. Although it may meet the measurement requirements to divide risks according to their mathematical characteristics, the measurement results may not contribute to the risk control measures taken by enterprises. Therefore, on the basis of measurement requirements, the risk division system of financial companies must also take into account the requirements of risk supervision, so as to take risk control and transfer measures according to the risk situation, so as to obtain the maximum economic benefits from the measurement results.

与主流金融业风险划分体系相容

It is compatible with the risk division system of mainstream financial industry

为适应国际金融业多元化、混业经营和全面风险管理的发展趋势,各类金融公司要建立符合主流标准的现代风险划分体系。

In order to adapt to the development trend of diversification, mixed operation and comprehensive risk management in the international financial industry, all kinds of financial companies should establish a modern risk division system conforming to the mainstream standards.


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