抵押擔保貸款 的英文怎麼說

中文拼音 [dǐyādānbǎodàikuǎn]
抵押擔保貸款 英文
secured credit
  • 抵 : 動詞[書面語]1. （拍） strike2. （打擊） beat3. （拋擲） throw
  • 押 : Ⅰ動詞1 （把財物交給對方作為保證） give as security; mortgage; pawn; pledge 2 （扣留） detain; tak...
  • 擔 : 擔動詞1. （用肩膀挑） carry on a shoulder pole 2. （擔負; 承當） take on; undertake
  • 保 : Ⅰ動詞1 （保衛; 保護） defend; protect 2 （保持） keep; preserve; maintain in good condition 3 （...
  • 貸 : loan
  • 款 : Ⅰ形容詞1 （誠懇） sincere 2 [書面語] （緩; 慢） leisurely; slow Ⅱ動詞1 （招待; 款待） receive wit...
  • 抵押 : mortgage; hold in pledge; hypothecate; pledge; impawn; collateralize; collateral; pawn
  • 擔保 : warrant; guarantee; go bail for; vouch for; ensure; assure; assurance; bail; surety
  • 貸款 : 1. （借錢給需要用錢者） provide [grant] a loan; make an advance to; extend credit to2. （貸給的款項） loan; credit
  1. Legal affairs on real estate : participate in the design and selection on the real estate investment planning ; participate in the establishment of real estate company ; act as the legal adviser of the real estate company ; assist conducting the transfer out, assignment and mortgage of the right to use the land ; participate in the assignment of real estate project ; participate in the pre - sell, marketing of the real estate, mortgage loan, building leasing ; supply the legal services on real property management

    房地產法律業務：參與房地產投資方案的設計和選擇，參與房地產項目公司的設立，擔任房地產公司的法律顧問，協助辦理土地使用權的出讓、轉讓和抵押，參與房地產項目的轉讓，參與房地產預售、銷售、抵押擔保貸款、樓宇租賃，提供物業管理法律服務。
  2. Not only is the amount in excess of the maximum sum the bank can loan any individual legally, but it is absolutely without endorsement or security.

    問題不僅在於數目超過了銀行發放私人貸款的最高限額，而且既無擔保，又無抵押。
  3. Exist at present assure means has beijing housing loan to assure the joint liability that the center offers assures to assure ( the following abbreviation assures the center assures ), and other assure means ( guaranty assures, impawn assures, joint liability assures to assure, guaranty safe, guaranty joint liability assures to wait )

    目前存在的擔保方式有北京市住房貸款擔保中心提供的連帶責任保證擔保（以下簡稱擔保中心擔保） ，和其他擔保方式（抵押擔保、質押擔保、連帶責任保證擔保、抵押保險、抵押連帶責任保證等） 。
  4. Now there is a large body of academic and industry research on the establishment of mortgage - backed securities ( mbs ) market, much of which involves introduction of various types of mbs such as mortgage pass - through securities ( mpts ), mortgage pay - through bonds ( mptbs ), mortgage - backed bonds ( mbbs ), collateralized mortgage obligations ( cmos ) and so on

    目前，學術界和本行業實踐者們對我國發展mbs市場這一課題進行了廣泛的研究，其中，很大一部分研究是圍繞住房抵押貸款支持證券的品種設計展開的，這些品種包括過手證券、轉付證券、抵押貸款支持債券以及抵押擔保證券（ cmos ）等。
  5. A few appropriated part of the funds and invested them in municipal infrastructure lacking commercial value, plunging them into severe financial difficulties and disabling them to repay the principal and interest on their loan to the creditor banks or financial organizations. as a result, the borrower and lender came into commercial dispute, with some of the borrowers even declaring bankruptcy

    但有些公司透過地方政府的擔保，或者以土地抵押形式，在香港依法向海外金融機構取得貸款，少數公司更將部分資金挪用於缺乏商業價值的市政建設上，最終因為經營不善和其它原因，陷入財政困難，無法依期向債權銀行或金融機構償還本息，產生商業糾紛，有些更宣布清盤。
  6. It allows the very poor, who don ' t qualify for traditional loans, to borrow as little as a few dollars without collateral

    他首創微額貸款的觀念，讓無法取得傳統貸款的赤貧階級，可以借幾美元貸款，無須任何抵押擔保品。
  7. 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。
  8. The selection committee said the prize was for developing what “ had appeared to be an impossible idea ”, namely loans to people who lack collateral

    評選委員會稱這個獎是為了獎勵實現「以前貌似不可能的想法」 ，也就是給那些沒有抵押擔保人貸款。
  9. These reits loan money for mortgages to owners of real estate, or invest in ( purchase ) existing mortgages or mortgage backed securities

    這些reit向不動產所有者發放房產抵押貸款，或投資（購買）現有抵押物或抵押擔保債券。
  10. The author believes the credit card business has shown new trends in the new century, such as to be electronic, individualized, internationalized and professional

    顯然，信用卡貸款與其他銀行信貸業務的最大不同點在於，它不需要抵押擔保，是信用貸款。
  11. The chapter 1 of this text make brief introduction of medium and small sized enterprises developping condition in our country, combining to analysis financing predicament of medium and small sized enterprises, point expatiate the problem of medium and small sized enterprises in our country, main proceeds with two aspects of direct financing and indirect financing elucidation : the mortgage guarantee loan to medium and small sized enterprises procedure complicacy, limit numerous, financing institution business operating of mechanism system restrict the credit input to the medium and small sized enterprises ; the medium and small sized enterprises lack the channel and place to < wp = 7 > proceeding ownership of a share in direct financing, lack bond financing credit, did not become the diverse capital market and so forth of a series of problem

    本文第一章對我國中小企業發展狀況作了簡單介紹，並對我國中小企業融資困境進行了分析，重點闡述了我國中小企業融資中存在的問題，主要從間接融資和直接融資兩個方面進行說明：中小企業抵押擔保貸款程序復雜，限制繁多，金融機構商業化的經營機制制約了對中小企業的信貸投入；中小企業在直接融資中缺乏進行股權融資的渠道和場所，債券融資資信不足，未形成多樣化的資本市場等一系列問題。 < wp = 5 >本文第二章說明我國中小企業可以吸取國外的先進經驗，採取融資租賃的方式緩解中小企業融資難的問題。
  12. This section begins with the analysis of the cash flow of the two most elementary products - mortgage pass through securities ( mpt ) and collateralized mortgage obligations ( cmo ), and describes the difference between the function mechanism and the ability of resisting risk. then, based on the above analysis, this article tries to invent an new cmo product which goes by the name of adjustable amortization mortgage ( aam ) and can effectively counteract the extension risk when interest rate goes up. at the same time, this article also indicate some problem which should pay special attention to in practical application and put forward some corresponding market promotion strategy

    本章首先通過對兩種最基本的抵押證券? ?抵押貸款傳遞證券（ mpt ）和抵押擔保證券（ cmo ）現金流量變化的分析，研究其運行機制和防禦風險的功能差異，接著在以上分析的基礎上，文章嘗試提出了一種能夠有效化解利率上升環境中延期風險的新型證券品種? ?可調整分期付款額的抵押擔保證券（ adjustableamortizationmortgage ，簡稱為aam ）的設想，但同時也指出了這種抵押擔保證券在實際應用中應該特別注意之處，並提出了相應的市場推廣策略。
  13. This paper, using the experience of the typical nation and region about housing mortgage securitization, joining together the realistic condition in our country, putting forward the strategy of developing housing mortgage securitization in our country now. the article is divided into four parts : part one : introduce the related theories about the housing mortgage securitization, including the content of housing mortgage securitization, the participants, concrete operation procedure, the financial tool, and point out the realistic meaning that our country promote. part two : analyze the background and the motive that world housing mortgage securitization, choose the typical model nation and region such as the united states, canada, hong kong to proceed the comparison, and get some experiences and apocalypses from it

    文章分為四個部分：第一部分：首先對住房抵押貸款證券化的內涵、涉及的參與者、具體運作程序以及使用的金融工具等與住房抵押貸款證券化相關的理論進行了介紹，其中著重對抵押貸款傳遞證券、抵押貸款支持債券、抵押貸款轉付債券、抵押擔保證券等目前國外規模較大的四種住房抵押貸款證券進行了較詳細的介紹，然後指出我國目前推行住房抵押貸款證券化無論是從商業銀行和投資者等微觀主體的角度還是從住房產業和資本市場的發展等宏觀角度來看都具有非常重要的現實意義。
  14. First, the author reviewed the related literature of asset securitization, explained the connotation and the economical significance of asset securitization from many angles, analyzed several essential technologies of asset securitization through using the enterprise financing theory, the financial theory, the system economic theory and the law of averages, constructed a flow chart to analyze the structure and the flow of the operation of asset securitization ; then the author analyses the overseas development tendency as well as the overseas concrete procedure of non - performing loans securitization, proposed several enlightenment ; once more, the author analyzed our country ’ s feasibility of npls, then elaborated emphatically the operation thought of npls of our country commercial bank : regarding the establishment of spv, thought that it most suit the our country current national condition current through pouring the capital to adopt company spv the pattern in our country by the national property management company, and elaborated how to construct and manage the property pond, put forward many kinds of ways of credit enhance for non - performing loans, thought it is the best choice that the product of npls is designed for cmo, the senior bond adopts the public issue, the secondary bond adopt private issue

    首先，本文回顧了資產證券化研究的相關文獻，從多個角度闡釋了資產證券化的內涵和經濟意義，運用企業融資理論、金融理論、制度經濟學理論和大數定律剖析了資產證券化的幾項關鍵技術，構建了一個資產證券化流程圖來分析資產證券化運作的結構與流程;接著通過分析國外不良貸款證券化發展趨勢以及具體做法，提出了幾點啟示;再次，分析了我國不良貸款證券化的可行性，然後著重論述我國商業銀行不良貸款證券化的運作思路:對于spv的設立，認為在我國由國家資產管理公司注資採取公司型spv的模式最適合我國當前的國情;並論述了資產池的構建與管理;提出了對不良貸款進行信用增級的多種方式;認為將不良貸款證券化產品設計為抵押擔保債券，高級債券採取公開發行，次級債券採取私募發行是最佳選擇。
  15. In 1998, the people ' s bank of china issued the administrative law of individual housing loans and allowed commercial banks to open individual housing secured loans, extend the loan term, which marked a new phase in the development of home financing in china. after this, the scale of granting home mortgages rapidly widened and the development was swift as by there year 2000, the balance of home loans at the china construction bank and the industrial and commercial bank of china broke through rmb 100 billion yuan, of which, individual home mortgages became the most important growth point for credit in the real estate industry

    1998年，中國人民銀行出臺了《個人住宅貸款管理法》 ，允許商業銀行開辦個人住宅擔保貸款，延長貸款期限，這標志我國住房金融發展到一個新的階段，其後住房抵押貸款發放規模的迅速擴大，發展勢頭迅猛， 2000年，中國建設銀行和中國工商銀行住房貸款余額均突破1000億元，其中個人住房抵押貸款成為房地產信貸中最重要的增長點。
  16. Part three : analyzing the present situation of developing housing mortgage securitization in china, including the elementary mortgage market, the mortgage guarantee and insurance mechanism, intermediary agency in capital market, potential investors, and law circumstance, tax, accounting etc. part four : depending on the analysis of the second part and the third part, putting forward the steps and strategies to develop housing mortgage securitization in china and the objective mode of housing mortgage securitization in china

    第三部分：分析我國目前發展住宅抵押貸款證券化的背景條件，包括住宅抵押貸款初級市場、抵押擔保保險機制、中介機構、潛在的機構投資者、相關的法律環境、稅收、會計等一系列條件。第四部分：通過第二、三部分的分析，提出我國發展住宅抵押貸款證券化的策略和目標模式。
  17. Both rating agencies noted that the assigned ratings of the mbs issue reflect the credit quality of the underlying mortgage pool, subordination structure provided for class a, the credit strength of the hkmc as guarantor for class b, the experience of the hkmc as the master servicer as well as the structuring of the issue with liquidity facility and reserve fund

    兩家評級機構均指出該批按揭證券的信貸評級反映了相關抵押按揭貸款的信貸質素給予a組別債券的信貸支持按揭證券公司作為b組別債券擔保人的信貸實力按揭證券公司作為總供款管理人的經驗以及完備的交易結構包括流動資金信貸和儲備資金的安排。
  18. Rural micro - finance make small, short, unsecured loans to the farmers. few of these borrowers have standard collateral, credit - bureau records, or formal wage jobs. therefore the lenders lacked low - cost ways to judge the risk of these farmers

    由於它具備一些獨特的特徵（例如，放款對象主要是農戶，不需要抵押擔保等） ，因而在發放過程中，農信社除了面臨一般貸款業務面臨的風險外，還面臨著農村金融特有的風險。
  19. To draft for clients legal documents needed in providing banking group loans, project loans, mortgages, guarantees, financing and leasing businesses according to the requirements of clients ; to provide related legal consulting service and produce legal comments ; to act as an agent in registering pledges and other legal aid needed by clients ; to act as an agent in taking out insurance policies inside china and provide insurance consulting services ; to act as an agent for chinese and foreign clients in insurance claims and possible legal proceedings

    根據客戶需要，為中外客戶起草銀行貸款、項目貸款、各類抵押、擔保、融資租賃等業務所需的法律文件，提供法律咨詢、出具法律意見書，代辦抵押物的登記以及客戶需要的其它法律幫助；代理中外客戶在中國境內進行各種保險、提供保險業務咨詢，根據客戶需要代理客戶進行保險事故的理賠及可能發生的訴訟。
  20. Credit scoring uses quantitative measures to predict the risk of loans. for lenders in rich countries, scoring has been one of the most important sources of increased efficiency. lenders in rich countries, however, score potential borrowers based on comprehensive credit histories from credit bureau and on the experience and salary of the borrower in formal wage employment

    農戶小額信用貸款屬于個人消費貸款的范疇，在很多方面與信用卡消費有相似之處，例如都是面對廣大的個體放款、業務量大而單筆額度數量小、基於借款人的信譽放款不需要抵押擔保，等等。
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