抵制不住 的英文怎麼說
中文拼音 [dǐzhìbùzhù]
抵制不住
英文
bubbleover-
In our future real right law, there should be some limitations to the open objects, hut nor the open contents in the property register of immovables ; lawsuit time limit should not he applied to return protoplast right of applicant ; we had better constitute positive prescription system ; powerless punish should not affect the force of contracts when the endorser has no right, but the transferee is well - meaning ; there should be proper toleration to the unanimous consent principle on punishing mutual thing ; we should prohibit mortgaging to some movable property which has no way to open ; there should not be the time limitation when mortgager realizes the hypothec after the fulfilling tern ; of primary creditor ' s rights is over, except that mortgager is not the debtor ; when the debtor do not refund the debt, the mortgager cannot get the guaranty directly, but he may put in for the court to auction guaranty
摘要我國未來物權法，對于不動產登記簿的開放對象應當有所限制，但對于開放內容不應有所限制；物權人的返還原物請求權不應當適用訴訟時效；應當建立取得時效制度，並應區分一般動產、準不動產、未登記不動產而規定不同的成立條件；在動產的轉讓人為無權處分而受讓人為善意的情況下，轉讓人與受讓人之間的合同是否有效不應當以「無權處分」為條件，只有在轉讓合同無效的情形下，受讓人取得標的物的所有權才是依善意取得制度的取得，此時的取得是原始取得；在共同共有的情形下，原則上處分共有物應當經共有人全體一致同意，但應容有若干例外；不應當規定居住權；動產抵押的公示方式問題無法徹底解決，如果規定動產抵押，應當實行登記要件主義，適于烙印、打刻或貼標簽的動產，應當採取烙印、打刻或貼標簽的方式，其他無法解決公示方式的動產應當禁止抵押；主債權履行期屆滿后，抵押權人行使抵押權，原則上不應當有一個時間限制，但抵押人非為債務人時可容有例外；在債務人不償債時，抵押權人不能直接讓抵押人交出抵押物，實現抵押權，但可以持抵押權登記簿副本直接申請法院拍賣抵押物。Basing on the analysis of development of housing industry and housing fiance, we discussed the nessesary and practical obstacle, and raised : our country has not the conditions for cosmically developing the mbs now, the most important assigment preseantly is to creative conditions. and then combined with the situations of our country, we raised the countermeasures and suggestions
在分析我國住宅業及住宅金融業發展狀況的基礎上，論述了我國實施住房抵押貸款證券化的必要性及現實障礙，並提出：我國目前還不具備大規模開展住房抵押貸款證券化的條件，更主要的任務是為住房抵押貸款證券化創造各種市場條件和制度條件。The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items
儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。Under the present conditions. the foundation of carrying out mbs in china is still quite frail and to bring mbs to practice in a large scale is beyond the means. besides, although there is potential requirement for mbs, it is actually not obviously urgent. to enlarge the source of capital in fundamental market and to stir the need of housing are regarded as the reasons for adopting mbs. this paper is intened to comment on it and in the mean time to research into the marketing situation and the institutional situation by using the successful experiences of american and western countries for inference, so as to put forward the opinion that the main task of china ' s carrying out mbs is to create favorable marketing and institutional conditions for them and. to improve responding marketing system to foster the exterior environment for the implementation of mbs so as to enable the institutional law system, instead of the non - institutional administrative support, to ensure the success of carrying mbs into execution
在目前條件下，中國推行住房抵押貸款證券化的基礎還十分脆弱，基本上不具備大規模開展住房抵押貸款證券化的條件，雖然有進行住房抵押貸款證券化的潛在要求，但就其緊迫性而言並不十分突出。擴大抵押貸款一級市場資金來源與提高住房市場有效需求被認為是在我國實行住房抵押貸款證券化的重要依據。本文主旨是對我國實施住房抵押貸款證券化進行研究，主要思路是結合我國國情，同時借鑒美國及西方一些發達國家的成功經驗，就實施住房抵押貸款證券化所需具備的市場條件和制度條件進行探討，提出當前我國實行住房抵押貸款證券化的主要任務是為住房抵押貸款證券化創造各種市場條件和制度條件，完善相應的市場制度以培育實施資產證券化所需要的外部條件，讓制度性的法規體系而不是非制度性的行政支持來確保我國資產證券化市場的逐步形成和健康發展。Part three : analyzing the obstacles of developing the housing mortgage securitization in our country now, including the our country housing mortgage scale is not enough big, insurance and guarantee mechanism is not sound and personal reputation mechanism is not perfect, the marketization of interest rate system is not completed, the development of institution investor is still not mature and the development of intermediate institution is not perfect, the system of law is not sound, the related accounting system and tax revenue system is lack and blank etc. part four : passing the analysis of the second and third part put forward the whole idea and concrete strategies in our country to develop the housing mortgage securitization
第二部分：首先對全球住房抵押貸款證券化的發展狀況進行了簡要的介紹與分析，然後選擇對我國有借鑒意義的美國、加拿大和香港等典型國家和地區的住房抵押貸款證券化實踐進行了詳細的比較分析，並從中得出：住房抵押貸款證券化是住房抵押貸款一級市場巨大發展的必然結果：政府的支持非常重要；住房抵押貸款證券化的發展需要一定的基礎條件以及需要因地制宜等一些關鍵性的啟示。第三部分：分析了我國當前實施住房抵押貸款證券化所面臨的一些具體障礙，其中包括有我國住房抵押貸款規模不夠大、保險與擔保機制不健全、個人信用體系不完善、利率體系非市場化、機構投資者的發展還不成熟、中介服務機構發展不完善、法律法規制度不健全以及相關會計制度和稅收制度的欠缺和空白等一系列的問題。As a new means of financing and system, house mortgage loan securities was result of financial innovation in last century 70s, it had got great success
作為一種新型融資手段或體制，住房抵押貸款證券化是20世紀70年代金融創新的結果，經過幾十年的發展，已在美國等不少國家獲得巨大成功。Looking back on the history of chinese housing industry and housing finance, we find out that chinese lagged - development housing finance withholds the development of its housing industry. a secondary market of real estate mortgage loan does not exist in china still, and this restricts banks finance their real estate mortgage loan business, risk diversion is also impossible. with the housing finance underdeveloped, the intent demand cannot turn into effective demand
指出了目前我國住宅產業發展的主要問題是潛在需求難以轉化為有效需求，其中一個重要因素是住宅金融發展滯后，缺乏與住宅生產消費快速發展相適應的良好籌資機制，融資來源有限且不穩定，住房抵押貸款缺乏風險轉移和分散機制，不利於住宅產業和住宅金融的發展。分享友人