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(1) 英文中对贷款偿还的程度有几种描述，包括：
* on-time repayment
* in arrears
* in default
* bad loans
除了最好的(on-time repaymen-按期还款)和最坏的(bad loans-坏帐)之外， in arrears和
in default都表示有逾期欠款不还的情形，似乎defaullt的程度更为严重(？)。请
问，以上这四个词组的中文，特别是 in arrears和 in default，(用银行术语)是
什么？
(2) acquiring company vs. acquired company
用白话说，一个是收购他人的公司，另一个是被收购的公司。是否有更专业的说法？
查了一本台湾出的字典，前者被译为“受盘公司；买受公司”，后者被译为“出盘
公司；被买受公司”。国内也这么说吗？
另外，什么是“出盘”？是出钱的意思吗？要是的话，那 acquiring company才应
该是“出盘”，acquired company是“受盘”，对吗？
(3) 哪位帮忙把下面的句子(解释“什么是 agency”)翻译一下，我是怎么看也看不
懂。谢谢！
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：年度百分率？EAR：实际年度率？另外，什么是headline 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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先说其中一小点吧
作者：木子尹 - 2000/07/20 03:07:39
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in arrears
意指“欠款”
in default
意指“违约”“不履行义务”
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关于acquiring company和acquired company
作者：蓦然 - 2000/07/20 06:32:12
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根据 "最新英汉审计会计金融大辞典" (中国审计出版社)，acquiring company是“收购公司,受盘公司"；acquired company是“被收购公司,出盘公司"；“出盘”即 "发盘",即 make an offer(具体表现就是报价);"受盘”就是"accept the offer".所以那个译法是没错的.
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thank!
作者：kc - 2000/07/20 18:43:26
***
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关于第三点
作者：蓦然 - 2000/07/20 07:16:29
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姑且直译出来,希望能给你一点启发,不知译得对不对.
一个帐户,当中构成代理关系的财产拥有权没有转移到信托机构,仍然属于称为委托人的财产拥有人,而代理人对财产承担某些义务.
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Default vs Arrear
作者：The Yeti - 2000/07/23 20:14:07
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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 !
作者：The Yeti - 2000/07/24 09:58:35
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