Essay代写：Commercial bank loan pricing

下面为大家整理一篇优秀的essay代写范文- Commercial bank loan pricing，供大家参考学习，这篇论文讨论了商业银行的贷款定价。贷款业务作为商业银行经营的主要业务，贷款可以很好的为商业银行带来盈利。另外，商业贷款的定价在银行进行商业运营的过程中具有重大的作用，商业贷款的定价可以协调银行经济风险与市场经济规律之间的密切联系，银行的贷款定价方式在很大程度上决定着银行的总体效益。保证贷款定价能够与市场做到统筹兼顾，既保证银行能够在其中盈利，又保证其在市场中的竞争力达到一定程度；通过优异的贷款定价策略来为银行吸引更多的客户资源，降低商业银行的运营风险。


With the development of The Times and the continuous advancement of the modernization process, China's market is constantly developing, and China's commercial bank loans are also accelerating their development along with the process of interest rate liberalization. Therefore, the loan pricing methods of China's commercial Banks should also be improved to better adapt to the challenges of interest rate liberalization. In order to promote commercial Banks to better adapt to the needs of contemporary market changes, it is necessary to improve the original loan pricing methods of commercial Banks, so as to better adapt to the major changes in current market interest rates and deal with market risks and bank loan risks.

As the main business of China's commercial Banks, the sound operation of loan business plays an important role in the development of China's commercial Banks. Loans can bring profits to commercial Banks. As the main source of profits for commercial Banks, loans are also a core business of Banks. The loan of commercial bank can guarantee the bank to obtain the corresponding profit and maximize the profit in the guarantee period. Therefore, the pricing of commercial loans plays an important role in the process of commercial operation of Banks. The pricing of commercial loans can coordinate the close relationship between the economic risks of Banks and the laws of market economy. The way of loan pricing of Banks determines the overall benefits of Banks to a large extent. To ensure that the loan pricing and the market to achieve overall consideration, not only to ensure that the bank can make profits, but also to ensure that its competitiveness in the market to a certain extent; Through excellent loan pricing strategy, we can attract more customer resources for Banks and reduce the operational risks of commercial Banks. With the development of the current era and the acceleration of the process of interest rate liberalization, commercial Banks are facing severe challenges and major risks in market operation, and commercial Banks are facing increasingly fierce competition in the market. Therefore, only through continuous reform and innovation of commercial loan pricing methods can commercial Banks occupy a favorable position in market operation, better cope with the risk of interest rate liberalization, and ensure the profit objectives of commercial Banks.

At present, China's commercial Banks are more conventional in their loan pricing methods, which still follow the traditional interest rate. At the same time, China's loan interest rate control for commercial Banks is also very strict, for this reason, China also promulgated the relevant bank loan interest rate law on commercial Banks to carry out strict restrictions on the interest rate control. As commercial Banks have been controlled by the national interest rate for a long time, they are not active enough in loan pricing, which leads to the loss of enthusiasm in loan pricing management of most commercial Banks and the lack of theoretical knowledge on loan pricing of relevant talents.

In the process of loan pricing in China's commercial Banks, there are still some drawbacks. For example, commercial Banks lack relevant experience in exploring the model of market pricing and cannot better understand the law of market changes. Therefore, they cannot establish a scientific and reasonable loan pricing system for commercial Banks. The main reason is that commercial Banks are unable to correctly evaluate the law of market changes, lack prediction of market risks and fluctuations, and only make a single positioning of the market. Therefore, they are unable to make better use of the profits of Banks brought by the fluctuation of interest rate of bank loans. The status quo of commercial Banks is not conducive to a competitive advantage in the market changes and status, especially in the commercial bank to design high quality customer resources competition, it is not a good loan pricing interest rate, which will reduce the commercial Banks in the aspect of customer resources competition this down to a very disadvantage. When customers of many large enterprises borrow money from commercial Banks, they will worry about the high loan interest rate of commercial Banks. As a result, the number of customers of commercial Banks will decrease and they will not be able to obtain normal loan profits, which is not conducive to the overall development of commercial Banks. So some commercial Banks in order to be able to better in market competition in a dominant position, deliberately reduce loan pricing and the corresponding loan interest rates, although this way can resources for Banks to attract more customers, but in the long run is not conducive to the long-term development of commercial Banks, so choose a suitable commercial bank loan pricing method is an important issue to consider.

When carrying out the pricing reform of commercial loans, commercial Banks in China cannot well evaluate the risks of market operation and lack the awareness of risk prevention and commercial management to deal with risks. The interest rate control restrictions imposed by the state on the loan pricing of commercial Banks have also caused some troubles to commercial Banks. For a long time, commercial Banks have a weak understanding of the change of interest rate risk and cannot correctly evaluate the interest rate risk of bank loans. It is unable to control the impact of market interest rate changes on the economic fluctuations of commercial Banks, let alone make specific management measures for the economic management of Banks.

In terms of the management of exchange rate and various data, commercial Banks do not timely conduct information collation and data analysis. Commercial Banks should first make an assessment of the market operation risk of loan exchange rate in advance, so as to make professional loan pricing according to the data and information collation. However, when dealing with market risks, commercial Banks are often unable to accurately make use of the collected relevant economic information and data statistics to conduct loan risk assessment, thus failing to predict the risks caused by market operation to commercial Banks and causing commercial losses to Banks.

The current market changes are very fierce, and the phenomenon of interest rate liberalization is gradually spreading in the current market. Therefore, the competitive factors of commercial Banks in loan pricing mainly come from interest rate liberalization. Commercial Banks should formulate suitable for loan pricing can promote the development of their own more, if the commercial bank loan pricing set of low will affect their earnings and economic development of commercial Banks, if the commercial bank loan pricing set higher is not conducive to commercial Banks in an advantage position in market competition. When practiced in the commercial bank loan pricing of risk is higher, but most of the commercial Banks in our country did not pay more attention to this, it will make the commercial loan interest rate risk in the market will be more and more high, this is not only unfavorable to improve the economic benefits of the bank, is unfavorable to promote the better development of economy in China. Therefore, this paper discusses and explores the problems of commercial Banks in the current process of exploring loan pricing methods, so as to help commercial Banks better take an advantageous position in coping with market risks.

When making loan pricing, commercial Banks must take into account the most basic cost of the bank and adjust and improve loan pricing while ensuring the basic cost. Because Banks need to take many aspects into consideration when adjusting loan pricing, the adjustment of loan pricing is complicated. If various factors are not taken into account when adjusting the pricing, there will be a lot of obstacles in the adjustment process, so that it is impossible to ensure that enterprises can obtain benefits while undertaking economic loans.

When making loan pricing, commercial Banks must take price as the leader to adjust the pricing method, make adjustments according to the specific capital interest rate and the pricing of loans, so as to prevent the change of short-term interest rate due to the change of loan pricing from affecting the bank's interest rate earnings to some extent. It is also necessary to take into account the risk of bank customers defaulting on loans to a certain extent. If the enterprise is unable to repay the bank loan due to bankruptcy, then the commercial bank should estimate the risk of such situation and reduce the bank's losses to the maximum extent.

When making loan pricing, commercial Banks will consider the lowest preferential rate. In order to ensure a favorable competitive position in the market, they can lower the loan pricing at the preferential rate, which can reduce the market operation risk and improve the competitive position of commercial Banks in the operation of the bill market to the greatest extent. It is mainly through the risk investigation of the money market to determine the money market loan interest rate and the overall profits generated by commercial Banks. Put the two combined, and data analysis to generate the final loan pricing, commercial Banks the loan pricing for some small and medium-sized enterprise short-term loans mainly provides a loan guarantee, but unfavorable to large enterprises to carry out long-term loans, if the loan pricing is applied to long-term loans were not favorable to the development of the long-term profitability of commercial Banks.

There must be a limit for the evaluation and setting of interest rate. Only with an upper limit can the interest rate better adapt to the changes of market interest rate, so as to reduce the risks of commercial Banks in loan pricing. To ensure that commercial Banks have a clear upper and lower limit of loan pricing, so as to have a full understanding of the changing law of market interest rates.

When adjusting the pricing method of commercial loans, commercial Banks should take full consideration of the overall interests of customers who have made loans. If the customers do not get benefits, they will suffer greater losses, which is not conducive to the loan pricing adjustment of commercial Banks and the overall development of commercial Banks. In addition, it is necessary to decide whether to make commercial loans to customers according to their own economic conditions. In this way, the risk of commercial Banks after advance loans can be well guaranteed, and the economic losses caused by customers' failure to repay the loans due to some emergencies after loans can be reduced.

To sum up, in view of the current market changes and the continuous development of market interest rate, commercial Banks' operation in the market has caused severe challenges and operational risks. In order to better cope with the risks brought by the interest rate market and obtain a certain degree of profits, commercial Banks must improve the original loan pricing method and carry out loan pricing that is suitable for the development of market rules in order to better promote the long-term development of commercial Banks and themselves. This article through to the current problems existing in commercial Banks in the market pricing of concentration of analyzed and discussed, it is the traditional commercial loan pricing is bad for commercial Banks to better cope with the marketization of interest rate fluctuations caused by severe challenges as well as in the commercial bank risk, to ensure market competition status and to ensure that the commercial Banks in the loan pricing adjustment, to ensure its own profits, to be able to better based on the market so as to promote development.

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Assignment代写：The aesthetic expression of new media visual culture

下面为大家整理一篇优秀的assignment代写范文- The aesthetic expression of new media visual culture，供大家参考学习，这篇论文讨论了新媒体视觉文化的审美表达。新媒体视觉文化的审美表达的出现，已经完全改变了人民群众的思想观念和生活形态。在电子产品盛行的环境下，视觉文化已经悄然推出了革命性的变化，这不仅为公众提供了很多新奇的文化产品，而且对他们的日常生活产生积极的影响。

With the rapid development of image technology and multimedia production system, people have designed digital image production, image production, image transmission and other methods and technologies. New media visual culture has gradually entered people's life, which is a visual culture expression form that shocks and subverts traditional Chinese and western painting art and even the cultural system of the whole era. In the era of new media, cultural communication information, language and recognition are different from traditional visual communication: on the one hand, network multimedia technology provides a good background technical support for the development of new media culture. On the other hand, media technology as a means of sending information greatly enriches the communication of new media culture. Therefore, the development of new media culture in this era is also very necessary.

The Internet has spawned a large number of fast food culture, has greatly changed people's aesthetic standards. The original "heroism" and "realism" have gradually replaced the civilian. With the increasingly grandiose social atmosphere, people begin to seek for new and different cultural aesthetic expressions, which make more and more cultures present different personality characteristics. However, this kind of personality is uneven, some of it has become a "good medicine" for people to escape from life and relieve pressure, and some of it has become popular to cater to people's vulgar interests, thus gradually forming a kind of "light white... "No depth" fashion, and this fashion is the root of new media visual culture. In the aesthetic context of new media visual culture, people excessively pursue "xiaozi romantic feelings" and "playfulness attitude... "Pop art" causes these so-called art to gradually deviate from the art center, and the new media visual culture aesthetic context appears a vicious circle.

The Internet has greatly changed our way of life and thinking, so we gradually eliminate the rigorous atmosphere of the original life and get more entertainment, so the aesthetic expression of new media visual culture is gradually formed. For example, people are more willing to accept new things in the form of pictures and words, and they tend to laugh and laugh when thinking about a certain issue. Therefore, people are also more willing to accept such an entertaining culture, which makes the original cultural atmosphere gradually disappear. At the same time, the Internet makes people's life faster, so people gradually rely on the rapid cultural transmission. Moreover, culture is also full of more commerciality. The so-called culture has evolved into a money-making tool, which has lost the original cultural atmosphere and made people unable to communicate with each other through culture, and can only stay on the surface of cultural consumption.

In recent years, the rapid development of imaging technology, especially network media, makes the transmission, processing and generation technology in visual culture can be significantly improved. Specifically, one can create a 3D MAX simulation environment and use Photoshop cs to deal with problems in the image. Such technology has completely subverted the level of traditional technology, and even caused the phenomenon of information flooding in the new media environment. In today's society, new media technology plays an important role in visual culture: network technology provides technical support for graphic reading and guarantees the globalization of visual culture. Transmission technology and image production technology have eliminated the boundaries between regions and countries for cultural transmission, and promoted the development of pictorial culture towards popularization.

In modern society, the combination of culture, art and high technology on the stage of industrialization can effectively promote the visual culture of new media, meet the consumer tastes of the broad masses of the people, and promote the further development of new media technology. At present, merchants of new media use complementary forms of culture to freely "walk" between law and morality, forming a lot of "copy" culture and art, numbing the spirit in a large range, and its own commercial characteristics provide new media with the development direction of direct aesthetic and universal. At the same time, it also changed the form of communication on this basis, and made the data information of new media have a lot of commercial marks.

The aesthetic taste of the masses has become more and more personalized, which has greatly changed with their moral outlook, values, outlook on life and even aesthetic taste. Nowadays, communication and interaction are regarded as the core of aesthetics in the process of new media culture presenting the aesthetic standards and the past culture again with different languages by virtue of its magical function of aesthetic categories. So as to complete the new era under the background of the emerging aesthetic feelings. New media visual culture aesthetic context tend to visual culture, and ever more freely, the former put together and using the way of improvement can make the public in the virtual world have real feelings feeling, to get more spiritual experience, such a positive with the method of image display, is formed by using the wonders of character.

The appearance of aesthetic expression of new media visual culture has completely changed people's ideology and life form. In the environment where electronic products prevail, visual culture has quietly introduced revolutionary changes, which not only provide the public with many novel cultural products, but also have a positive impact on their daily life. For example, the use of high-tech technology can restore historical events, showing the main character's image and characteristics.

The visual culture of new media has promoted the perfection and development of image writing form. When we are infected and shocked by some wonders in the form of art and culture, under such a background, traditional culture and art are gradually marginalized, and the aesthetic way of contemplation is replaced by the way of entertainment. Therefore, the new visual media culture has completely changed the traditional aesthetic culture and the living space of aesthetic acceptance, and has opened a new chapter in people's entertainment consumption.

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英文论文写作得多练习语法

相信很多留学生在写作英文论文的时候，或多或少都出现过语法错误。对于这种非常细节的东西，国外大学是非常看重的，所以同学们要想英文论文拿高分的话，那么还是得多练习语法才行，下面就给大家讲解一下英文论文的写作语法。

​▍简单句：主动

People need to take measures to deal with this issue.

Governments are forced to propose a number of measures to prevent the situation from getting worse.

（此处真正的主语“人”可以替换，措施不一定只能由人完成。）

▍简单句：被动1

Measures should be taken to deal with this issue.

Measures aimed at solving this issue should be taken.

（此处真正的主语“人”可以省略，谁干的不重要。）

▍简单句：被动2

This issue needs to be addressed by a series of effective measures.

▍简单句：there be

There are some effective measures that can solve this issue.

▍it作形式主语

It is urgent that measures should be taken to address the issue.

▍并列句

The issue needs to be dealt with, and we have to take measures immediately.

▍定语从句

The government is introducing tougher measures to deal with the issue that is urgently needed to be addressed.

▍非限定性定语从句

The situation is intolerable, which forces us to take measures immediately.

▍宾语从句

The efficiency of dealing with the issue depends on how effective the measures are.

▍表语从句

The aim of these measures is that the situation is effectively controlled.

▍同位语从句

Governments need to make regulations that those who further worsen the current situation will be severely punished.

▍时间状语从句

When we take measures immediately, the issue can be dealt with.

The issue can be dealt with after we take effective measures.

The issue can hardly be dealt with before we take effective measures.

（强调前后顺序的话，after/ before 是不错的选择）

▍条件状语从句

This issue can be effectively dealt with if we take more measures.

The issue can hardly be dealt with if we do not take effective measures immediately.

▍结果状语从句

Many people are taking measures, so the situation is getting much better now.

▍目的状语从句

A number of measures are taken in order to deal with the situation.

▍原因状语从句

Because the situation is getting worse, we have no alternative but to take drastic measures right away.

▍让步状语从句

Although the situation is terrible, we need to take effective measures.

▍so … that …如此以至于

The condition is so serious that we have to take effective measures immediately.

▍with 结构

This issue can be solved with more effective measures.

This issue can be solved with more effective measures being taken.

This issue can be solved with more effective measures taken.

（with结构后面可以加名词，或者自带主语的分词结构）

▍现在分词

Considering the seriousness of the current condition, we have to take strong measures immediately.

▍过去分词

Adopted by more governments, these new policies have greatly improved the condition.

▍by doing

Governments need to control the situation by taking more effective and practical measures.

▍倒装

So severe is the situation that we have to take measures immediately.

Only by taking more effective and practical measures can this issue be dealt with.

▍强调

It is the new measures that the government take in order to deal with this issue.

It is to deal with the issue that governments act jointly and take a number of measures.

▍插入语

The new policy, a series of preventive measures, is adopted to handle the situation.

以上就是关于英文论文写作的语法讲解，上面的25种变化，几乎已经把所有常规的英语语法结构都涵盖了，希望能帮到大家。

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Paper代写：Real estate finance

本篇paper代写- Real estate finance讨论了房地产金融。房地产金融，指的是房地产企业通过相关渠道筹融资和获得各种金融服务，包括信用渠道和货币流通渠道等，其对房地产的开发、销售等各个方面产生影响。房地产金融的作用不仅仅只表现在房地产企业方面，同时也对改善人民居住水平，培育支柱产业，实现政治目标起到了保障作用。所以要想发展房地产业必须要有长期且明确的房地产金融政策支持。本篇paper代写由51due代写平台整理，供大家参考阅读。

​Today, the real estate industry in our country and the world, are important industry in China under the socialist market economic system, economic system reform continued to deepen, the real estate industry is increasingly shows in two aspects of social production and people life indispensable function, gradually play its role as the foundation of national economy and guide. At every stage of the beginning, development and stability of the real estate industry, huge funds and a variety of financial services are needed to support it, which requires real estate finance to play its role.

Real estate finance means that real estate enterprises raise and obtain various financial services through relevant channels, including credit channels and currency circulation channels, which have an impact on the development, construction, sales, consumption and other aspects of real estate.

Real estate finance has broad sense and narrow sense. The former refers to all financial activities related to the real estate industry, with relatively general meaning. The latter is manifested in various concrete financial forms, including the establishment of housing savings institutions, the issuance of corporate bonds, the listing of stock funds of real estate enterprises, and the establishment of mortgage securities companies.

Real estate development, sales and consumption require capital, and real estate enterprises can use a variety of financing methods and various financial instruments to raise and finance funds to support demand, promote the capital chain cycle of real estate production, and ensure the stability of real estate projects.

The role of real estate finance is not only reflected in real estate enterprises, but also plays a guarantee role in improving people's living standard, cultivating pillar industries and realizing China's political goals. In order to develop the real estate industry and achieve the goal of a well-off society, China must have long-term and clear real estate financial policy support.

In China's real estate financial risk refers to the financial system in our country, especially the commercial Banks in our country, for real estate developers to provide financial services, financing, to handle settlement business, meet all kinds of have no way to know in advance the uncertainty factors of interference, so that the actual yield deviation from the expected return, the financial system will withstand all kinds of risks. It should be pointed out here that real estate financial risks include both possible unknown losses and possible unknown gains. This paper will focus on the study of unknown losses.

As the real estate industry is an industry with high investment and high interests, it is inherently high-risk. China's real estate finance has been developing for decades, and has basically formed a set of financial system with obvious structure, which is mainly made up of China's commercial bank loans, supplemented by real estate funds, housing savings Banks, cooperatives and other financing methods. This system indicates that the risk of real estate finance is no longer just the risk of a single financial institution, but the risk of the whole real estate finance system.

Credit risk is caused by the lack of credit in real estate related enterprises or housing consumers. Because they are unable or unwilling to repay the loan after borrowing from the bank, the loan bank can't even get the principal and interest back on time, causing serious credit risk. This risk may be caused by the failure of the commercial bank to review and evaluate the borrower's credit before the loan, or by the change of other circumstances after the loan is issued.

Liquidity risk is a kind of cash risk. Due to the lack of sufficient cash or other financial assets that can be converted into cash at any time, financial institutions are unable to pay off matured debts and meet customers' withdrawal requirements. There are two types of liquidity risk, primary and secondary. The former refers to the unreasonable proportion of bank assets structure, the excessive proportion of medium and long term loans compared with short-term loans, and the cash to meet customers' withdrawal needs cannot be made up completely by cash and Treasury bills. Meanwhile, the methods and channels for cash integration are limited. The final result is insufficient liquidity, leading to liquidity risks. The latter is caused by credit risk.

In the financing of the real estate industry, medium and long-term loans account for a large proportion in the asset structure of the banking industry. If the liability structure of the banking industry is mainly invested in demand deposits, it is extremely easy to cause risks.

If the medium and long term loans are not overdue, unable to repay and unable to recover poor quality loans, will form bad debts, the banking industry will face the risk of asset quality.

If the loan interest rate is lowered and the deposit interest rate is raised, or the two are moving in the same direction but the interest rate difference is getting smaller and smaller, all of these will cause risks and make the bank suffer losses in operation. In medium and long - term loan interest rate changes very big, interest rate risk is bigger also. Real estate finance, especially residential finance loan term is generally very long, natural Banks will face great interest rate risk.

Real interest rates are nominal after adjusting for inflation. When the nominal interest rate remains unchanged, inflation will affect the real interest rate and make it fall or even become negative, which is extremely unfavorable to the banking industry and causes capital losses in the banking industry.

In addition to the above risks, there are many other risks in real estate finance. Problems in the operation and management process may lead to the decrease of benefits or even losses. Policy risks caused by changes in relevant national policies; Real estate insurance and trust risks; The legal risk caused by ignorance of the law.

In recent years, affected by the profiteering characteristics of the real estate industry, a large number of enterprises have turned to the real estate market for high profits. The vast majority of businesses are still financed by bank loans. Actual figures show that about 50% of the country's real estate loans rely on bank loans, and some large cities are as high as 80%. Therefore, the bank indirectly or even directly bears the risk of each link in the real estate market. Once there is a problem in one link, the risk will eventually be transferred to the bank, and the overdue loans and stagnant funds will make the bank suffer losses.

At present, there is an extremely one-sided phenomenon in China. Some regions believe that the real estate industry has a strong role in promoting economic growth, so in order to pursue the growth of GDP unilaterally, it is easy to cause that the economic growth in these places relies too much on real estate development. Once appear development business exists very poor credit, building complete deadline and quality do not have the case that assures, the bank should bear the risk that this kind regards hypothesization estate as pawn.

In the degree of understanding of information, developers than Banks have an advantage. The bank does not know the situation of the developer, nor does it know the risk level of the real estate market, while the developer directly knows all the information of itself and knows well the risk of real estate development. In addition, China's individual and enterprise credit system is not perfect, easy to appear empty-handed Wolf phenomenon.

From the fundamental reason, the land system, the commercial bank management system, the real estate industry complex and other comprehensive factors caused the real estate financial risk, so our country should strengthen the reform of related aspects to avoid the risk of further expansion. If we only consider the operation rules and mechanism of real estate finance from the perspective of relevant international experience and China's current national conditions, we can prevent and control it by the following points:

At present, China needs to control the scale of bank credit on the one hand, and create other methods and ways of financing capital on the other hand, transfer risks through various ways and disperse risks in different fields. In this way, China can basically solve the problem that real estate developers rely too much on commercial Banks. Not only that, real estate companies can also issue stocks, corporate bonds and other financing.

A healthy and stable real estate financial market is not only conducive to the development of the financial system, but also crucial to China's national economy and political stability. Therefore, the Chinese government must strengthen macro-control, control risks, and guide various financial institutions to compete reasonably and fairly to maintain their health and stability. At the same time, the central bank should step up the investigation of problems in the real estate market and be able to accurately analyze them, make relevant information public in a timely manner, timely give early warning of relevant adverse situations and actively take countermeasures, guide the behaviors of financial institutions and strictly supervise them. The real estate market is not exactly a competitive market, and when interest rates are raised, it does dampen demand for housing, but it does not bring down prices. Instead of cutting prices in order to increase sales, developers tend to hold on to their homes for a while, hoarding them and raising prices when purchasing power returns to normal. Therefore, government regulators should seize the root cause of real estate problems, such as starting from the land, improving the land transaction system, increasing the government's supervision of land, and fundamentally regulating the housing price.

China should build a risk monitoring system in relevant aspects, timely analyze the supply and demand of real estate, timely predict risks, and steadily and continuously monitor the real estate financial system.

In combination with China's national conditions and foreign experience, relevant policies and regulations should be reasonably formulated to effectively prevent and control risks and ensure the stability and development of the real estate financial market.

At present, China is still in the stage of incomplete, unbalanced, large amount of credit missing and imperfect credit system for individuals and enterprises. A perfect credit system suitable for China's national conditions should be gradually established. Restrain the behavior of individual and enterprise through credit system, prevent credit risk.

The real estate industry has become the pillar industry of China's national economy. The stability and development of the real estate industry cannot be separated from the safety and stability of real estate finance. Only by strengthening the prevention and control of real estate financial risks can we effectively guarantee the stable development of the real estate industry, the real estate financial industry and the national economy.

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Essay代写：The visual communication of new media advertisement

下面为大家整理一篇优秀的essay代写范文- The visual communication of new media advertisement，供大家参考学习，这篇论文讨论了新媒体广告的视觉传播。21世纪以来，随着互联网和移动互联网的高速发展，人们的生活越来越依赖电脑、智能手机等终端。这些智能设备的出现刷新了传统意义上平面、静止的视觉传播方式，而开始向动态化、立体化的方向发展，短视频、H5、VR等技术和形式的出现使新媒体广告的视觉传播方式大大增加了。随着社会经济与科学技术的不断发展，视觉传播的形式和载体也在不断变化。

With the continuous development of China's economy and society, the pattern of social information transmission has changed a lot. With the emergence of various emerging media, new media advertising is increasingly appearing in our lives. As an important part of new media advertising, how to do a good job in visual communication on the basis of the current new media advertising design concept, clarify its essence and rules, so as to better find the development direction of visual communication in the new media era is the problem that the advertising industry needs to think about today.

Advertising has been developing along with the social economy. From the ancient hawking and store recruitment to the modern new media advertising and interactive advertising, the form and content of advertising have always been developing in the inheritance. As the main sense organ of human, the acceptance of advertisement directly determines the communication effect of advertisement. Therefore, in the era of new media, we should explore how to make visual communication play more advantages through new media advertising.

Since the 21st century, with the rapid development of Internet and mobile Internet, people's life is increasingly dependent on computers, smart phones and other terminals. The emergence of these intelligent devices refreshes the traditional planar and static visual communication mode, and starts to develop towards dynamic and three-dimensional direction. The emergence of short video, H5, VR and other technologies and forms greatly increases the visual communication mode of new media advertising.

From the literal perspective, visual communication is a communication activity based on human vision. In the traditional sense, visual communication is carried out in the form of printed matter, film and television, etc. With the continuous development of social economy and science and technology, the forms and carriers of visual communication are constantly changing.

In the era of traditional media, video, images and text is often changed respectively play a different role, and in the new media era, these elements are combined more closely than ever before, such as in advertising a product in a movie, you can see the video with the plot, and be able to see the product related pictures, at the same time also can see the subtitles and captions, relevant to consumers, based on the comprehensive understanding of video, pictures, text to have a deeper understanding of the meaning of advertising. In the future, with the continuous development of science and technology, people will have more options from visual communication, making the information obtained from new media advertisements more abundant and three-dimensional.

The traditional visual communication is one-way, lack of interactive, cannot get the feedback of consumers, in the new media advertising visual communication, advertising designers tend to through the website, such as qr code to give consumers a interactive platform with products and brands, so that consumers can independent participation, can enhance the interactive, also enhance the visual communication of the new media advertising effect.

The 21st century is an era of fragmentation. With the accelerated pace of people's life and work, the design of new media advertisements should also cater to the needs of consumers in terms of visual communication. They should reject those long and difficult ideas and choose some simple and life-like scenes for visual communication. For example, many new media advertisements are playing product posters or propaganda video on a loop by using environment such as bus station, body, elevator room, etc., so as to occupy the hearts of consumers in a subtle way.

In the new media era, consumers are not only the receivers of advertisements, but also the disseminators and even producers of advertisements. In an online environment, everyone can create and share video. As a result, many cases of viral marketing have been added to the visual communication of advertisements in the new media era, which leads to the interaction and forwarding of consumers.

In the era of traditional media, advertising visual transmission is more static, one-way, lack of interaction and feedback, and in the new media era, whether using human intelligent equipment, dressing or VR glasses, or is it the H5 can enhance the advertising form of visual communication effect, make consumers find everything new and fresh, so as to seize the consumers' attention, deepen the impression of brand in the consumers' mind, strengthen the effect of advertising.

In the new media era, in addition to the original TV, magazine, outdoor and other platforms for publicity, advertising can also use new media platforms, public welfare activities, product release and other platforms to communicate and interact with consumers, so as to enhance the mobilization of visual senses. In addition, consumers can also watch the new media advertisement of the counter in the offline shopping mall, understand the relevant information of the product, conduct online search, supplemented by the explanation and publicity of the staff, so as to choose suitable products and give full play to the advantages of visual communication of new media advertisement.

Apart from the commercial nature, advertising also has the nature of public welfare. Therefore, in the visual communication of new media advertising, it is also the development trend of new media advertising in visual communication to transmit public service advertising and public information, build socialist spiritual civilization and socialist core values so as to meet the information needs of the people, assume social responsibility and deliver positive energy.

At present, we can see a lot of public service advertisements promoting the Chinese dream, socialist core values and some moral education in public places, whether in the streets or on TV, radio or the Internet. For example, in the movie theater ads, there is a public service advertisement "glory and dream -- our Chinese dream" released by the state administration of press, publication, radio, film and television. The advertisement not only extracts many ancient poems and quotations from past sages, but also invites many popular stars to perform for public benefit, so as to enhance the visual communication effect of the advertisement through the influence of stars and deliver positive energy to the society.

In today's society, material production is constantly enriched and consumption is upgraded. New media advertising is bound to usher in a better future and develop towards a more humanized, interactive and three-dimensional direction, so as to make good use of visual communication and deepen the impression of advertising in the minds of consumers. The pace of life in today's society is fast, and people's demand for information is great. The emergence of new media has largely met people's demand for information. In the future, new media advertising will develop in the direction of two-way interaction, both commercial and public welfare, increasing channels of communication with consumers, so as to better play the role of new media advertising through visual communication.

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