⑴ 求助：現急需一篇關於消費信貸的外文及中文翻譯，大約兩千字哦，本人不甚感激
消費信貸是個人和家庭用於滿足個人需求(房產抵押貸款例外)的信貸,與企業信貸相反。消費信貸是商業企業、銀行或其他金融機構對消費者個人提供的信貸。主要用於消費者購買耐用消費品（如傢具、家電、汽車等）、房屋和各種勞務。
消費信貸有兩種基本類型：封閉式信貸和開放式信貸。封閉式信貸指在一段時間內以相同金額分數次償還債務的方式。開放式信貸是循環發放的貸款，部分付款根據定期郵寄的帳單繳付。
封閉式信貸：
●抵押貸款
●汽車貸款
●分期付款貸款（分期付款銷售合同、分期現金支付信貸和一次性信貸）
開放式信貸：
●旅遊與娛樂卡
●透支保護
●百貨商店發行的卡和銀行卡（有銀聯、維薩Visa、萬事達MasterCard）
消費信貸的形式主要有：①賒銷。零售商向消費者提供的短期信貸，即用延期付款的方式銷售商品。西方國家對此多採用信用卡的方式，定期結算清償。②分期付款。消費者在購買高檔消費品時，只支付一部分貨款，然後按合同分期加息支付其餘貨款。如果消費者不能按時償還所欠款項，其所購商品將被收回，並不再退回已付款項。③消費貸款。銀行通過信用放款或抵押放款以及信用卡、支票保證卡等方式向消費者提供的貸款。消費信貸又可分為買方信貸和賣方信貸，前者是對消費品的購買者直接發放貸款；後者則是以分期付款單作抵押，對銷售消費品的商業企業發放貸款，或由銀行同以信用方式銷售商品的商業企業簽訂合同，用現金的形式把貨款付給商業企業。
消費信貸的產生和存在是社會生產發展和人們消費結構變化的客觀要求，在一定程度上可以緩和消費者有限的購買力與不斷提高的生活需求之間的矛盾，對開拓銷售市場，促進生產和流通有積極作用。但是，消費者對未來購買力的超前預支，往往會造成一時的虛假需求，掩蓋生產與消費之間的矛盾。
Consumer credit is indivials and families to meet the indivial needs of (real estate mortgage exceptions) the credit, and credit the contrary. Consumer credit is a commercial enterprises, banks or other financial institutions to provide the indivial consumer credit. Mainly for consumers to purchase consumer rable goods (such as furniture, household appliances, automobiles, etc.), housing and various services.
Consumer Credit There are two basic types: closed-end credit and open credit. Closed-end credit refers to a period of time with the same amount of outstanding debt, scores of the way. Open credit is the cycle of loans, partial payment in accordance with the regular mail to pay bills.
Closed-end credit:
● mortgage
● car loans
● installment loans (installment sales contracts, staging a one-time cash payment of credit and credit)
Open credit:
● tourism and entertainment cards
● overdraft protection
● cards issued by the department store and bank cards (with China UnionPay, Visa Visa, MasterCard MasterCard)
Consumer credit in the form of a major: ① credit. Retailers to provide consumers with the short-term credit, that is, using the deferred payment of goods sold. Western countries have adopted more than credit cards, regularly clearing settlement. ② instalments. Consumers in the purchase of high-grade consumer goods, pay only part of the purchase price and interest rate increase by contract to pay the remaining phases of money. If consumers can not repay outstanding obligations on time, their purchases of goods will be resumed, and no refund payments made. ③ consumer loans. Diyafangkuan Xinyongfangkuan or through banks and credit card, check guarantee card, and other ways to provide consumers with loans. Consumer credit can be divided into the seller and the buyer's credit loan, which is the purchase of consumer goods direct loans while the latter is for mortgage instalments alone, sales of consumer goods for commercial enterprises loans, or by the bank to Credit goods sold commercial enterprises signed contracts, the cash purchase price paid in the form of commercial enterprises.
Consumer credit is generated and the presence of the development of social proction and people's changing consumption structure of the objective requirements, to a certain extent, can alleviate the limited purchasing power of consumers and constantly improve the lives of the conflict between the needs of opening up markets, promote the proction and circulation. Have a positive effect. However, the purchasing power of consumers in the future ahead of the advance, often causing a temporary false demand, proction and consumption to cover up the contradictions between.
希望能幫你！
⑵ 小額貸款用英文怎麼說
小額貸款
[詞典] petty loan;
[例句]美國專營以債務人人壽保險為擔保的小額貸款和消費信貸的銀行擴大出口信貸和信用保險，加大對出口的支持。
Morris plan bank We will expand export credit insurance and provide more support for export.
⑶ 消費信貸 是什麼意思啊
消費貸值貸款用來買家用的……比如傢具，電器、衣服……之類的等等……
⑷ 急求關於消費信貸的英文文獻及其翻譯！！3000字母就夠！！！急求！！！多懸賞分！！！！
Consumer credit counseling services offer 「real」 credit counseling with thoughtful solutions to help you get out of debt. Our services include debt management plans, credit counseling, bill consolidation programs and credit restoration resources that anyone in financial trouble can use. There are many ways to resolve financial difficulties and debt management plans or credit counseling are just a few ways we can help.
⑸ 關於開展個人消費信貸的指導意見怎麼翻譯
Carry out the indivial consumer credit guidance
⑹ 貸款 英文怎麼說
貸款: [ dài kuǎn ]
1. loan
2. to (provide a) loan
其它相關解釋:
<credit (CR;CRD)> <accommodation> <borrowing> <lend> <loans> <lent> <lending>
例句與用法:
1. 你什麼時候付清最後一期分期貸款？
When will you pay the last installment of the loan?
2. 這家銀行現在給客戶貸款比以前多了。
The bank is accommodating its customers more than it used to.
3. 銀行拒絕再貸款給這家公司。
The bank refused further credits to the company.
4. 他們貸款收多少利息？
How much interest do they charge on loans?
5. 只需一筆貸款就能幫我擺脫困境。
A loan of money would help me out of my predicament.
6. 他不得不將土地抵押來申請貸款。
He will have to mortgage his land for a loan.
7. 他設法弄到一筆貸款買了一棟房子。
He managed to secure a loan to purchase a house.
8. 他向銀行經理提出貸款問題。
He broached the subject of a loan with his bank manager.
⑺ 貸款用英語怎麼說
loan
英 [ləʊn] 美 [loʊn]
n.貸款;借款;借用
vt.借，借給
vi.借出
詞彙難度：CET4 / 考研 / IELTS / TEM4 / TEM8 / BEC
第三人稱單數： loans 復數： loans 現在分詞： loaning 過去式： loaned 過去分詞： loaned
例句
The country has no access to foreign loans or financial aid
I am in need of a loan of a bike for a few weeks
He had kindly offered to loan us all the plants required for the exhibit
Many of these are on display in the Museum, but some have been sent out on loan to other museums.
David Speedie, on loan from Southampton, scored his first goal for Birmingham
⑻ 各種「貸款」的英文詞彙
instrial loan
工業貸款
agricultural loan
農業貸款
outstanding loans
未償貸款
loan office
貸款處
interest-free loans
無息貸款
ficiary loan
信用貸款
special-purpose loan
專項貸款
貌似全了吧~
⑼ "小額貸款"怎麼翻譯
microfinance