86 lines
12 KiB
Plaintext
86 lines
12 KiB
Plaintext
#charset "UTF-8";
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警示信息 = Warning information
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企业负责人失踪或无法联系。 = The person in charge of the enterprise is missing or unable to contact.
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客户不愿意提供与信用审核有关的文件。 = The customer is not willing to provide documents related to the credit audit.
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在没有正当理由的情况下撤回或延迟提供与财务、业务、税收或抵押担保有关的信息或要求提供的其他文件。 = To withdraw or delay information or other documents required by the financial, business, tax or mortgage guarantees without the proper reasons.
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资产或抵押品高估。 = An overvalued asset or collateral.
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客户不愿意提供过去的所得税纳税单。 = Customers are not willing to provide the past income tax payment.
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客户的竞争者、供货商或其他客户对授信客户产生负面评价。 = Customer's competitors, suppliers or other customers have a negative evaluation of credit.
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改变主要授信银行，向许多银行借款或不断在这些银行中间借新还旧。 = To change the main credit bank, to borrow or continue to borrow from the banks in the middle of the bank.
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客户频繁更换会计人员或主要管理人员。 = Frequent replacement of accounting personnel or key management personnel.
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企业涉及重大法律诉讼、仲裁或重大经济纠纷，可能危及贷款安全。 = Companies involved in major legal proceedings, arbitration or major economic disputes, may endanger the safety of loans.
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有破产经历。 = Experience of bankruptcy.
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有些债务未在资产负债表上反映或列示。 = Some of the debt is not reflected in the balance sheet or column.
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客户内部或客户的审计机构使用的会计政策不够审慎。 = The accounting policy used by the client or the client's audit institution is not prudent enough.
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客户在银行的头寸不断减少。 = Customers in the bank's position continues to decrease.
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对授信的长期占用。 = Long-term occupancy of credit.
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缺乏财务计划，如总是突然向银行提出借款需求。 = Lack of financial planning, such as the sudden demand for loans to banks.
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短期授信和长期授信错配。 = Short term credit and long-term credit mismatch.
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在银行存款变化出现异常。 = Abnormal changes in bank deposits.
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经常接到供货商查询核实头寸情况的电话。 = Frequently received a telephone call from the supplier to verify the position.
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突然出现大额资金向新交易商转移。 = Sudden large amounts of money to the new dealer transfer.
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对授信的需求增长异常。 = Abnormal demand for credit.
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管理层行为异常。 = Abnormal management behavior.
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财务计划和报告质量下降。 = Financial planning and reporting quality drops.
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业务战略频繁变化。 = Frequent changes in business strategy.
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对竞争变化或其他外部条件变化缺少对策。 = Lack of measures to change the competition or other external conditions.
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核心盈利业务削弱和偏离。 = Core earnings business weakened and deviate.
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管理层主要成员家庭出现问题。 = Problems in the management of the main members of the family.
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与以往合作的伙伴不再进行合作。 = Cooperation with past partners no longer.
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不遵守授信的承诺。 = Not to comply with the commitment of credit.
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管理层能力不足或构成缺乏代表性。 = Lack of competence in management or lack of representation.
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缺乏技术工人或有劳资争议。 = Lack of skilled workers or labor disputes.
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库存水平的异常变化。 = Abnormal changes in inventory levels.
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工厂维护或设备管理落后。 = Plant maintenance or equipment management.
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核心业务发生变动。 = Core business changes.
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缺乏操作控制、程序、质量控制等。 = Lack of operational control, procedures, quality control, etc..
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主要产品线上的供货商或客户流失。 = Major product line supplier or customer churn.
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付息或还本拖延，不断申请延期支付或申请实施新的授信或不断透支。 = Service or debt delay, continue to apply for an extension to pay or apply for the implementation of the new credit or continuous overdraft.
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申请实施授信支付其他银行的债务，不交割抵押品，授信抵押品情况恶化。 = The application for the implementation of the credit payment of other bank's debt, non delivery of collateral, credit collateral deterioration.
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违反合同规定。 = Breach of contract.
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支票收益人要求核实客户支票账户的余额。 = The check income is required to check the balance of the customer's checking account.
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定期存款账户余额减少。 = Reduced term deposits.
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授信需求增加，短期债务超常增加。 = Credit demand increases, the extraordinary increase in short-term debt.
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客户自身的配套资金不到位或不充足。 = Customers own matching funds is not in place or not enough.
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杠杆率过高，经常用短期债务支付长期债务。 = The leverage ratio is too high, often with short-term debt to pay long-term debt.
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现金流不足以支付利息。 = Cash flow is not sufficient to pay interest.
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其他银行提高对同一客户的利率。 = Other banks to raise interest rates for the same customer.
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客户申请无抵押授信产品或申请特殊还款方式。 = Customers apply for non mortgage credit products or special way of repayment.
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交易和文件过于复杂。 = Transactions and documents are too complex.
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银行无法控制抵押品和质押权。 = Banks can not control collateral and pledge.
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业务领域收缩。 = Business area shrinkage.
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无核心业务并过分追求多样化。 = Non core business and excessive pursuit of diversification.
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业务增长过快。 = Business growth is too fast.
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市场份额下降。 = Market share decline.
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成本和费用失控。 = Cost and cost control.
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客户现金流出现问题。 = Customer cash flow problems.
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客户产品或服务的市场需求下降。 = Customer products or services market demand decline.
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还款记录不正常。 = Repayment record is not normal.
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欺诈，如在对方付款后故意不提供相应的产品或服务。 = Fraud, such as deliberately not provide the corresponding product or service after the other payment.
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弄虚作假(如伪造或涂改各种批准文件或相关业务凭证)。 = Resort to deceit (such as counterfeiting or altering approval documents or relevant business documents).
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对传统财务分析的某些趋势，例如市场份额的快速下降未作解释。 = Some trends of the traditional financial analysis, such as the rapid decline in market share is not explained.
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客户战略、业务或环境的重大变动。 = Major changes in customer strategy, business, or environment.
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某些欺诈信号，如无法证明财务记录的合法性。 = Certain fraud signals, such as the inability to prove the legality of the financial record.
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财务报表披露延迟。 = Financial statement disclosure delay.
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未按合同还款。 = Not in accordance with the contract.
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未作客户破产的应急预案。 = Contingency plans for customer bankruptcy.
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对于信息的反应迟缓。 = Slow response to information.
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公司大规模裁员或大批人员离职，引起社会关注。 = Company massive layoffs or a large number of personnel to leave, causing social concern.
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公司组织形式发生重大变化，包括资产委托经营、承包、兼并、被收购、公司分立、股份制改造、资产重组等重大改制。 = Major changes in the organization of the company, including the assets entrusted to operate, contracting, mergers, acquisitions, corporate restructuring, joint stock system reform, asset restructuring and other major restructuring.
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企业经营策略、经营计划发生了重大调整，致使公司原有的经营模式(如收入来源、主营业务)发生重大变化。 = Business strategy, business plan has been a major adjustment, resulting in the company's original business model (such as revenue sources, the main business) a major change.
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企业被吊销(或停止使用)贷款证、专营权、主导产品生产许可证等，或未参加工商年检或被有关职能部门查处。 = Enterprises are revoked (or stop using) the loan certificate, franchise, leading product production license, etc., or not to participate in the industrial and commercial inspection or the relevant functional departments to investigate and deal with.
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对银行的态度有所转变，如出现不与银行积极合作的态度、在我行业务结算骤降等。 = The attitude of the bank has changed, such as the attitude of the bank and the positive attitude of the bank, in the Bank of China, such as the collapse of business settlement.
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借款人向其他银行的信贷申请被拒绝；其他金融机构，特别是曾提供较大额度授信、历史较长的商业银行突然非正常退出。 = The borrower's credit application to other banks is rejected; other financial institutions, in particular, has provided a large amount of credit, a long history of commercial banks suddenly not normal exit.
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外部机构下调了借款人的信用评级。 = External agencies lowered the borrower's credit rating.
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建设项目的进展与计划出现较大的不利偏差。 = The progress of the construction project and the plan to have a large negative deviation.
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对外提供新的大额担保或大量资产被抵押，接近或超过自身的承受能力。 = To provide a new large amount of security or a large number of assets to be secured, close to or exceed their own ability to bear.
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主要客户丢失，产品线、代理经营权、特许经营权、供应商的丧失；产品严重积压，企业发生重大质量、生产事故，企业处于停产、半停产。 = The main customers are lost, the product line, the agency business, franchise, the loss of the supplier, the serious backlog of products, enterprises have a major quality, production accidents, enterprises in the production, semi shutdown.
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股票被ST或被证券管理机构发布不利的预警信息。 = The stock is issued by the ST or the securities regulatory agency to have an adverse warning information.
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企业出售、变卖主要的生产、经营性固定资产。 = Enterprises sell, sell the main production, management of fixed assets.
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借款人借款大量增加，与其业务规模不成比例。 = A substantial increase in the size of the borrower, and its business scale.
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借款人的主要股东、关联企业或母子公司等发生了重大的不利变化。 = Major shareholders of the borrower, associated companies or parent company and other major adverse changes.
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不按贷款合同规定的贷款用途使用贷款，逃避我行监督，将贷款用于风险较大的项目，或用于不正当的用途，使得还款来源无法落实。 = Not to use the loan for the purpose of the loan, to evade the supervision of the loan, the loan will be used for the larger projects, or for improper use, making the source of repayment can not be implemented.
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发现我行开出的银行承兑汇票/信用证/保函无真实的贸易基础，或客户以贸易未完成等理由拒绝履行付款责任。 = I found that the bank acceptance draft / letter of credit / letter of credit is not true of the basis of the trade, or the customer's trade is not completed and other reasons to refuse to fulfill the payment obligations.
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人行信贷咨询系统中出现一逾两呆或五级分类次级(含)以下情况，经查属实。 = People's Bank credit consulting system in a spent more than two or five secondary classification (including) the following, it was true.
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企业被人民银行或其他金融机构宣布为信誉不良用户。 = The enterprise is declared to be a bad user by the people's bank or other financial institution. |