抵借價值 的英文怎麼說
中文拼音 [dǐjièjiàzhí]
抵借價值
英文
loan value-
Besides preface and epilogue, the text is divided into four parts discussing maximum mortgage issues : in part, starting from growing and developing of it, the author expounds the value and features of maximum mortgage, analyzes the function and character of maximum mortgage, and indicates maximum mortgage can realize efficiency value of economy and law. it can bring on circulate function of commodity and bear abating appurtenant and specific nature. specific nature is an important character of maximum mortgage system clearly
本文試圖通過比較借鑒和功能分析的方法，結合司法實踐中遇到的實際問題，對最高額抵押權進行完整的剖析，從最高額抵押權的價值、特徵、效力、適用范圍、轉讓等諸多方面進行深入探討，以期為建立我國最高額抵押權的制度體系提供更多的理論支持，推動我國的法制化進程。And then, based on the feature of the guarantee legal system, present value trend of jus rerem and the study about the expecting right ' s theory, this essay suggest that the equitable mortgage in mainland china should be changed and absorbed into the hypotheca law system, and explain the rationality and necessity of the suggestion. after that, this essay also suggests to improve the rules and regulations about the equitable mortgage in mainland china by refering to hong kong ' s successful experiences about it. finally, this essay intends to set up an outline of law system for the equitable mortgage in mainland china so as to make it ruled by law
在此基礎上，結合我國擔保法律制度的特點和物權法的現代價值取向，以及有關期待權的理論研究成果，提出將內地實踐中的樓花按揭納入物權法中抵押權法律制度的立法設想，並論證其合理性和必要性，同時還建議借鑒香港地區的成功經驗完善內地有關樓花按揭的管理法規，初步建立起一個樓花按揭法律保障體系，最終將樓花按揭行為納入法治軌道。Owing largely to increases in collateral values together with continued loan repayments, the estimated unsecured portion of the negative equity rmls declined to about hk 7 billion from hk 8 billion at end - june
主要由於抵押品價值增加及借款人繼續還款，估計負資產住宅按揭貸款的無抵押部分由月底的億港元，降至約億港元。With four - fifths of japanese lending ultimately related to property, americans were incredulous that banks had been foolish enough to lend against collateral for which the value could go down as up ; in the united states, they said, banks lent against cash flow, the best gauge of a borrower ' s ability to repay a debt
因為日本的借貸行為中五分之四是基於資產的，美國人就懷疑說，日本銀行太過愚蠢，依據抵押資產的價值放貸，然而其價格可升亦可降；在美國，他們聲稱，銀行是依據現金流放貸，是翻譯借款人還款能力的最佳指標。I will borrow terms as " external finance premium ", " net worth ", " coverage ratio " and " financial accelerator ", etc. to demonstrate the transmission mechanism and process of different channels in context of asymmetric information and credit market imperfections. the sizes of firms and their alternative funding sources, which may significantly influence the transmission process
本文將借用「企業外部融資成本」 、企業可抵押資產「凈價值」 、 「利息負擔率」 、 「財務加速器」等概念，詳細闡述信息不對稱及信貸市場存在缺陷條件下各種貨幣政策傳導渠道發揮作用的機理和傳導過程，同時，強調企業規模及其外部融資渠道的多少對貨幣政策傳導的影響。The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate
論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。In bank lending, the difference between the value of the collateral on a loan and the actual amount lent
在銀行借貸中指貸款抵押品的價值與實際貸出款額之間的差額。In america and elsewhere, banks are helping the elderly gain access to this through reverse mortgages, which let people borrow against the value of their homes ? either in one big, upfront loan or through a line of credit
在美國或其他地方，銀行正在幫助老年人通過反抵押貸款來使用這些產權，這種貸款是根據他們房屋的價值來借款，要麼是一筆大額預付貸款，或者通過信用額度獲得相應貸款。Another critical issue is that related parties needs to know their values presicely and this is the main point of this paper. research of mbs value includes 3 areas : 1. forast the mbs cash flows according to borrowers ’ different prepayment rate ; 2. establish mbs risk - prmium interest rate term structure to forcast cash flows. 3. create decident model to value mbs
Mbs價值研究涉及三個方面問題:一、根據抵押貸款借款人提前償付水平預測mbs未來現金流;二、構建考慮mbs風險溢酬的利率期限結構為預期現金流貼現;三、建立定價模型計算mbs價值。Daily mark to market for all loaned securities and eligible collateral
每日就所有借出證券和合資格抵押品進行市價估值Daily marking to market of loaned securities and supporting collateral eligible collateral
每日就借出債券和有關抵押品進行市價估值Based on the literature review this study classifies the variables in four dimensions : borrower characteristics dimension, loan characteristics dimension, property characteristics dimension and regional characteristics dimension. 19 variables such as borrower ’ s age, loan - to - value etc enter these four dimensions. using the statistics software spss10. 0, this study conducts descriptive statistics, factor analysis, discriminant analysis and logistic regression
結合國內外研究經驗以及樣本數據，本文從借款人特徵、貸款特徵、房產特徵、區域特徵四個維度，選取了性別、年齡、貸款金額、貸款價值比、住房總價值、房價指數等19個變量，利用spss10 . 0統計軟體中的描述性統計、因子分析、判別分析、邏輯斯蒂回歸分析對個人住房抵押貸款違約風險的影響因素進行了實證分析，並在分析中區分了實質性違約和逾期。分享友人