抵押信貸 的英文怎麼說
中文拼音 [dǐyāxìndài]
抵押信貸
英文
hypothecary credit-
By dissecting the problems in the managerial and operational mode of residential accumulation funds, it presents some suggestions to perfect our residential accumulation fund system by perfecting its accommodation system, amplifying its managerial system and its supervising mechanism. as for the commercial individual housing mortgage loans, the author analyzes in detail the problems in individual housing credit by taking chongqing as an example and puts forward some countermeasures. he also categorizes the risks of individual housing mortgage loans and points out how to guard against the risk of individual housing mortgage loans for commercial banks, which lies in the accurate assessment of the certifying ability of the real estate developer, the thorough investigation of his property and credit, strict control over the evaluation value of the property and the volume of loan and dealing risks promptly, resolutely, flexibly and effectively so as to strangle the risk in cradle
針對住房公積金管理運作模式存在的問題，提出從完善住房公積金融通制度、健全公積金運作管理制度、嚴格公積金監督管理機制幾方面完善我國的住房公積金制度的建議；商業性的個人住房抵押貸款以重慶市為例對個人住房信貸存在的問題進行詳細分析提出對策，並將個人住房抵押貸款的風險進行歸類，提出商業性銀行個人住房抵押貸款風險的防範主要是在於對房地產開發商保證能力的評估，對其資信情況的調查，嚴格控制物業的評估值和貸款成數，並及時、果斷、靈活、高效，處理出現的風險，將風險消除在萌芽狀態。However, the credit tightening that has come in the wake of the subprime crisis ? which saw banks write off billions in mortgage - backed bonds after low - end mortgage holders defaulted on their payments in response to higher interest rates ? is more of a concern
但是，次貸危機后發生的信貸緊縮更加令人擔憂? ?在低端按揭貸款持有人因加息而拖欠還款后，銀行沖銷了數十億美元的抵押貸款債券。The government and the banking circles hope to raise the efficiency of the housing financing regime, improve the banks " asset quality and to diversify the risk, so as to promote the development of real. it is necessary and workable to applying the mortgage - backed securities to propel housing innovation, although what we are should be attention to the necessary mortgage environment and it ' s policy are not completely fostered
由銀行等機構作為項目發起人，首先要分析自身對抵押貸款證券化的融資要求，然後通過對現有信貸資產進行清理、估算和核查，選擇一定數量的房地產抵押貸款作為證券化目標，並從資產負債表中剝離出來，將這些資產匯集組建資產池（即資產組合） ，作為證券化的基礎資產； （ 2 ）出售貸款組合，即「真實出售」 。As the finance lease plays a very important role in ca ' s aircraft finance, the thesis addresses very detailed comments on its concept and distinguishing criteria set out by mof. furthermore, the thesis describes the principles and structures of some aircraft finance facilities once or currently ca widely utilize including japanese leveraged lease ( " jll " ), eximbank or ecgd supported lease and mortgage loan in rmb which classified as tax - oriented lease, assets - backed finance lease and direct borrowing from bank, respectively
本文首先回顧了國航飛機融資的歷史，對國航飛機融資中目前佔有重要地位的融資租賃的概念、判定依據以及國航使用最多的幾類飛機融資工具包括以日本杠桿租賃為代表的節稅租賃、出口信貸為代表的財務租賃以及人民幣抵押貸款等的原理、結構作了較為詳盡的論述。The hong kong monetary authority hkma announced today that the ratings of fitch ibca inc. fitch ibca are recognized by the hkma in assessing the eligibility of hk denominated debt issues as repo securities for discounting under the liquidity adjustment facility with immediate effect
香港金融管理局金管局今日宣布，金管局在評定港元債券是否可用作在流動資金調節機制下進行貼現的合資格回購協議抵押品方面，承認fitch ibca inc . fitch ibca給予的信貸評級。Structure financial instrument includes commercial mortgage - backed securities ( cmbs ), asset - backed securities ( abs ), real estate investment trusts ( reit ), and residential mortgage - backed securities ( cmbs ). according the research report of us, most of abs and mbs is floating interest rate, and credit rate is aaa and duration is short term. also, the structure of abs and mbs are different with different client requirement of cash flow
在美國金融市場上的結構化金融產品包括個人住房貸款抵押支持證券（ rmbs ） 、商業貸款抵押支持證券（ cmbs ） 、債務抵押債券（ cdo ）和資產支持證券（ abs ） ，而abs主要包括信用卡應收賬款支持證券（ creditcardabs ） 、汽車貸款支持證券（ autoabs ） 、學生貸款支持證券（ studentloanabs ）和家庭財產支持證券（ homeequityloanabs ）等。Because of non - systemic information, we should escape the moral risk by proper contract, they design many programs of the bank - firm restitution ; the role that the bank exercised on the firm is completed by debt constraint, and the bank influences the government construction of the firm by debt rights. the bank directly gives capital support to firms, and analyses the firms " ability of returning debt, and the bonding value, and make the load - decision
主要研究在信息不對稱情況下，如何通過完善契約來防範道德風險；銀企債務重組的設計；銀行對企業治理的作用的實現方案，即通過債權影響公司的治理結構，直接插手評價企業的經營狀況、投資決策、償債能力，以及分析企業的抵押價值並以之作為放貸決策的前提。The studies show that, the less collateral value the entrepreneur provides is, the higher credit risk to the bank is and the larger risk of adverse selection is ; the more collateral value the entrepreneur provides is, the lower credit risk to the bank is and the smaller risk of adverse selection is
研究結果表明，如果企業提供的抵押品價值越少，銀行信貸資金所面臨的風險越大，逆向選擇風險增大；如果企業提供的抵押品價值越多，銀行信貸資金所面臨的風險越小，逆向選擇風險減少。Thirdly, analyses the every factor that influences financial demands i. e. the interest rate, average income, expected profit and psychological consciousnesses of microscopic main part ; then through studying the factors which influenced the credit market, points out under the imperfect information condition the results of credit market equilibrium will be : causes the commercial banks to have credit ration behavior, causes the partial high venture enterprise and the few mortgage property enterprises to withdraw from the credit market
再次，分析了影響金融需求的各個因素即利率、人均收入、預期收益和微觀主體的心理意識與金融業務發展的關聯性，並通過分析影響我國信貸市場均衡的各個因素，指出在信息不對稱條件下信貸市場的均衡使得商業銀行會產生「信貸配給」行為，同時使得部分高風險企業、抵押資產少的企業退出信貸市場。Through investigation in shenzhen, we found that there are some problems in sme credit guarantee : banks are very strict with mortgage assets. only buildings and right of land use can be mortgaged, the other assets cannot be mortgaged for loan. sme have a little scope ; have small quantity assets and lack of valid fixed assets, which affect the mortgage and guarantee capacity for sme
通過對深圳市中小企業的調查發現，中小企業信用保證存在以下問題：銀行對抵押資產要求過于嚴格，要求企業以房地產、土地使用權等作抵押，其他資產無法辦理抵押貸款；中小企業規模小、資產數量少，企業缺乏有效的固定資產，從而影響了企業的抵押擔保能力；中小企業自身財務制度、信用建設不足；中小企業難以獲得外部機構或其他企業的擔保等。In recent years the banks of our country generally adopted rigid pledge credit rationing to small and medium - sized business with on information publication and high credit risk in order to avoid treaty violation risk caused by bad credit, and smb ' s entrance to credit market is restricted because of insufficient pledge assets
摘要近年來我國銀行為避免企業信用狀況不良導致的違約風險問題，對信息不透明、信用風險高的中小企業普遍採取嚴格的抵押品型信貸配給，而中小企業介入信貸市場普遍受到抵押資產不足的約束。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。You can enjoy privileged rates on residential mortgage loan, various insurance packages, personal loan, new car financing, unsecured overdraft facilities and unit trust subscriptions. you can enjoy all benefits and services offered to ahkns cardholders by the bank of east asia
東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、各類型保險、私人貸款、汽車分期、無抵押透支服務及認購單位信託基金，讓你專享優惠利率Personal financial packages you can enjoy privileged rates on residential mortgage loan, personal loan, new car financing, various insurance packages, unsecured overdraft facilities and unit trust subscriptions. you can enjoy all benefits and services offered to iee cardholders by the bank of east asia
東亞銀行為您設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、各類型保險、無抵押透支服務及認購單位信託基金，讓您專享優惠利率Personal financial packages you can enjoy privileged rates on residential mortage loan, personal loan, new car financing, unsecured overdraft facilities, unit trust subscriptions and various insurance packages. you can enjoy all benefits and services offered to bea credit cardholders by the bank of east asia
東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、無抵押透支服務、認購單位信託基金及各類型保險，讓你專享優惠利率Personal financial packages you can enjoy privileged rates on residential mortgage loan, personal loan, new car financing, unsecured overdraft facilities, unit trust subscriptions and various insurance packages. you can enjoy all benefits and services offered to law society corporate gold mastercard cardholders by the bank of east asia
東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、無抵押透支服務、認購單位信託基金及各類型保險，讓你專享優惠利率Personal financial packages you can enjoy privileged rates on residential mortgage loan, personal loan, new car financing, unsecured overdraft facilities, unit trust subscriptions and various insurance packages. you can enjoy all benefits and services offered to law society visa gold cardholders by the bank of east asia
東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、無抵押透支服務、認購單位信託基金及各類型保險，讓你專享優惠利率Major gauges erase most of the day ' s losses, as investors recover from mortgage, credit fears ; dow, nasdaq, s & p 500 stabilize after falling 10 % from 2007 highs
由於投資者從抵押信貸，信貸危機中緩醒過來，主要股指挽回了此前大部分的損失;道瓊斯，納斯達克，標準普爾500指數在繼2007年最高點下降10 %后已趨于穩定。From the mortgage loan of real estate to the development of the market of consumer credit, from bank trade improvement management to enterprise, extend financing channels, show the advantage of asset securitization invariably
從房地產抵押貸款到消費信貸市場的發展，從銀行業改善經營管理到企業拓展融資渠道，無不顯示資產證券化的優勢。Petrol prices exceed ? 1 for a litre of unleaded fuel, while mortgage payments and credit card fees are also rising
一升無鉛燃料汽油價格超過了1英鎊，而抵押還貸和信用卡費用也在提高。分享友人