kc ÓÚ 2000/07/19 23:02:15 ·¢±íÔÚ ººÓ¢
(1) Ó¢ÎÄÖжԴû¿î³¥»¹µÄ³Ì¶ÈÓм¸ÖÖÃèÊö£¬°üÀ¨£º
* on-time repayment
* in arrears
* in default
* bad loans
³ýÁË×îºÃµÄ(on-time repaymen-°´ÆÚ»¹¿î)ºÍ×µÄ(bad loans-»µÕÊ)Ö®Í⣬ in arrearsºÍ
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(2) acquiring company vs. acquired company
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¸ÃÊÇ¡°³öÅÌ¡±£¬acquired companyÊÇ¡°ÊÜÅÌ¡±£¬¶ÔÂð£¿
(3) ÄÄλ°ïæ°ÑÏÂÃæµÄ¾ä×Ó(½âÊÍ¡°Ê²Ã´ÊÇ agency¡±)·Òëһϣ¬ÎÒÊÇÔõô¿´Ò²¿´²»
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An account in which the title to the property constituting the agency does
not pass to the trust institution but remains in the owner of the property,
who is known as the principal, and in which the agent is charged with certain
duties with respect to the property.
(4) APR£ºÄê¶È°Ù·ÖÂÊ£¿EAR£ºÊµ¼ÊÄê¶ÈÂÊ£¿ÁíÍ⣬ʲôÊÇheadline interest rate£¿
APR: This rate shows you the full annual cost of your credit card, mortgage,
overdraft or personal loan. Unlike the Effective Annual Rate (EAR), it takes
into account all the extra charges you have to pay, such as the valuation
fee on a mortgage, as well as the headline interest rate lenders quote.
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¸úÌùĿ¼:
ÏÈ˵ÆäÖÐһСµã°É
×÷ÕߣºÄ¾×ÓÒü - 2000/07/20 03:07:39
***
in arrears
ÒâÖ¸¡°Ç·¿î¡±
in default
ÒâÖ¸¡°Î¥Ô¼¡±¡°²»ÂÄÐÐÒåÎñ¡±
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¹ØÓÚacquiring companyºÍacquired company
×÷ÕߣºÝëÈ» - 2000/07/20 06:32:12
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¸ù¾Ý "×îÐÂÓ¢ººÉó¼Æ»á¼Æ½ðÈÚ´ó´Çµä" (ÖйúÉ󼯳ö°æÉç)£¬acquiring companyÊÇ¡°ÊÕ¹º¹«Ë¾,ÊÜÅ̹«Ë¾"£»acquired companyÊÇ¡°±»ÊÕ¹º¹«Ë¾,³öÅ̹«Ë¾"£»¡°³öÅÌ¡±¼´ "·¢ÅÌ",¼´ make an offer(¾ßÌå±íÏÖ¾ÍÊDZ¨¼Û);"ÊÜÅÌ¡±¾ÍÊÇ"accept the offer".ËùÒÔÄǸöÒë·¨ÊÇû´íµÄ.
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thank!
×÷Õߣºkc - 2000/07/20 18:43:26
***
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×÷ÕߣºÝëÈ» - 2000/07/20 07:16:29
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¹ÃÇÒÖ±Òë³öÀ´,Ï£ÍûÄܸøÄãÒ»µãÆô·¢,²»ÖªÒëµÃ¶Ô²»¶Ô.
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Default vs Arrear
×÷ÕߣºThe Yeti - 2000/07/23 20:14:07
***
Default refers only to debt while arrear could be for any kind of obligation owning
that is not paid in time.
(I)
Default refers to debt and debt instruments:
If you owe some one money and are unable to pay the interest or
the principle on the day you promise to pay (due date), you are in default
of the loan.
E.g. A company has a 1 million dollar bond bearing an interest of 10%,
with interest to be paid semi-annually on March 1st and Sept 1st. The principle
of the bond is due March 1st 2016. Let say on Sept 1st 2007, the company
was unable to meet it's obligation to pay the interest on that day; the loan
is now in default. Similarly, if the company, having paid all it's interests, is
unable to redeem the bonds (the $10 million capital amount) on March 1,
2016, it will also be in default.
(II)
Arrear refers to any overdue payment; not necessarily a debt.
Example I: If you do not pay your landloard on time, you are in arrears, but you are
not in default of a loan.
Example 2:
A company that has a culumative prefer stock(note 1) on the market that pays 10cents dividend
per share per quarter is in arrear when it fails to pay that dividend.
(A dividend is not a debt, so the company is not in default, but
the payment is in arrear.)
(Note 1: A culumative prefer stock is a stock where the dividend payment
is culumated if unpaid. For a stock that has no culumative dividend,
a company usually announce dividend cut or omission. For a stock
with a culumative dividend, the company has to declare an arrear in
payment.)
Arrear can be cumulative. E.g. the company that has the 10 million
bond fails to pay its interest on March 1st, it is in default. Let say
the company tries to work out a repayment scheme with it's bondholders
and the negotiation drags out for several months. By October, the
company is now arreas in two payments and still in default.
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cumulative not culumative !
×÷ÕߣºThe Yeti - 2000/07/24 09:58:35
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