⑴ 求助：现急需一篇关于消费信贷的外文及中文翻译，大约两千字哦，本人不甚感激
消费信贷是个人和家庭用于满足个人需求(房产抵押贷款例外)的信贷,与企业信贷相反。消费信贷是商业企业、银行或其他金融机构对消费者个人提供的信贷。主要用于消费者购买耐用消费品（如家具、家电、汽车等）、房屋和各种劳务。
消费信贷有两种基本类型：封闭式信贷和开放式信贷。封闭式信贷指在一段时间内以相同金额分数次偿还债务的方式。开放式信贷是循环发放的贷款，部分付款根据定期邮寄的帐单缴付。
封闭式信贷：
●抵押贷款
●汽车贷款
●分期付款贷款（分期付款销售合同、分期现金支付信贷和一次性信贷）
开放式信贷：
●旅游与娱乐卡
●透支保护
●百货商店发行的卡和银行卡（有银联、维萨Visa、万事达MasterCard）
消费信贷的形式主要有：①赊销。零售商向消费者提供的短期信贷，即用延期付款的方式销售商品。西方国家对此多采用信用卡的方式，定期结算清偿。②分期付款。消费者在购买高档消费品时，只支付一部分货款，然后按合同分期加息支付其余货款。如果消费者不能按时偿还所欠款项，其所购商品将被收回，并不再退回已付款项。③消费贷款。银行通过信用放款或抵押放款以及信用卡、支票保证卡等方式向消费者提供的贷款。消费信贷又可分为买方信贷和卖方信贷，前者是对消费品的购买者直接发放贷款；后者则是以分期付款单作抵押，对销售消费品的商业企业发放贷款，或由银行同以信用方式销售商品的商业企业签订合同，用现金的形式把货款付给商业企业。
消费信贷的产生和存在是社会生产发展和人们消费结构变化的客观要求，在一定程度上可以缓和消费者有限的购买力与不断提高的生活需求之间的矛盾，对开拓销售市场，促进生产和流通有积极作用。但是，消费者对未来购买力的超前预支，往往会造成一时的虚假需求，掩盖生产与消费之间的矛盾。
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.
希望能帮你！
⑵ 小额贷款用英文怎么说
小额贷款
[词典] petty loan;
[例句]美国专营以债务人人寿保险为担保的小额贷款和消费信贷的银行扩大出口信贷和信用保险，加大对出口的支持。
Morris plan bank We will expand export credit insurance and provide more support for export.
⑶ 消费信贷 是什么意思啊
消费贷值贷款用来买家用的……比如家具，电器、衣服……之类的等等……
⑷ 急求关于消费信贷的英文文献及其翻译！！3000字母就够！！！急求！！！多悬赏分！！！！
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 关于开展个人消费信贷的指导意见怎么翻译
Carry out the indivial consumer credit guidance
⑹ 贷款 英文怎么说
贷款: [ dài kuǎn ]
1. loan
2. to (provide a) loan
其它相关解释:
<credit (CR;CRD)> <accommodation> <borrowing> <lend> <loans> <lent> <lending>
例句与用法:
1. 你什么时候付清最后一期分期贷款？
When will you pay the last installment of the loan?
2. 这家银行现在给客户贷款比以前多了。
The bank is accommodating its customers more than it used to.
3. 银行拒绝再贷款给这家公司。
The bank refused further credits to the company.
4. 他们贷款收多少利息？
How much interest do they charge on loans?
5. 只需一笔贷款就能帮我摆脱困境。
A loan of money would help me out of my predicament.
6. 他不得不将土地抵押来申请贷款。
He will have to mortgage his land for a loan.
7. 他设法弄到一笔贷款买了一栋房子。
He managed to secure a loan to purchase a house.
8. 他向银行经理提出贷款问题。
He broached the subject of a loan with his bank manager.
⑺ 贷款用英语怎么说
loan
英 [ləʊn] 美 [loʊn]
n.贷款;借款;借用
vt.借，借给
vi.借出
词汇难度：CET4 / 考研 / IELTS / TEM4 / TEM8 / BEC
第三人称单数： loans 复数： loans 现在分词： loaning 过去式： loaned 过去分词： 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 各种“贷款”的英文词汇
instrial loan
工业贷款
agricultural loan
农业贷款
outstanding loans
未偿贷款
loan office
贷款处
interest-free loans
无息贷款
ficiary loan
信用贷款
special-purpose loan
专项贷款
貌似全了吧~
⑼ "小额贷款"怎么翻译
microfinance