押環 的英文怎麼說
中文拼音 [yāhuán]
押環
英文
shrouding ring-
Finally, the author analyzes the risks in securitization and proposes that the first market of housing mortgage loan must be perfected in order to develop the secondary market
在此基礎上，得出的結論是防範此業務中的風險應完善和規范住房抵押貸款一級市場，積極培育發展住房抵押貸款二級市場的配套的外部環境。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。The pac s report on the subject of " mechanized street cleansing services " had been deferred as we needed time to examine the many tiers of staff in the chain of command in the environmental hygiene ( eh ) branch of the food and environmental hygiene department ( fehd ) involved in providing mechanized street cleansing services, and how such a bloated structure operated in the provision of the services
委員會先前押后就「機動街道潔凈服務」的事項提交報告書，是因為我們需要更多時間來研究若干事宜，包括食物環境衛生署（ 「食衛署」 ）提供機動街道潔凈服務的統屬架構內職員級別眾多的問題，以及如此臃腫的架構在提供服務時如何運作。Nikolay submitted to him, and at one moment he was praying to god, as he had prayed under fire on the bridge of amschteten ; at the next he tried his fortune on the chance that the card that he would first pick up among the heap of crumpled ones under the table would save him ; then he reckoned up the rows of braidings on his coat, and tried staking the whole amount of his losses on a card of that number, then he looked round for help to the others playing, or stared into dolohovs face, which looked quite cold now, and tried to penetrate into what was passing within him
尼古拉屈從於他，他時而禱告上帝，如同他在戰場上，在阿姆施特滕橋上禱告一般他時而猜想，桌子底下的一堆折壞的紙牌中隨便一張落到他手上，就可以救他一把，他時而算算，他穿的制服上有幾根絳帶，試圖把全部輸掉的錢都押在和絳帶總數相同的紙牌上，他時而環顧其他的賭徒，向他們求救，時而睇睇多洛霍夫那副現在變得冷漠的面孔，極力地想弄明白，他在搞什麼名堂。Based on the reflections to the defects in our country ' s procedural system, this paper made legislative proposals on the establishment and perfection, by discussing the systems of recognition of foreign criminal judgments, of criminal trial by default, of freezing, detention and confiscation, of protection to bona fides third party, of fund for redemanding foreign assets and of cost compensation and benefit sharing
建立和完善我國訴訟制度中的承認外國刑事裁判制度、刑事缺席審判制度、凍結、扣押、沒收制度、保護善意第三人制度、海外資產追討基金制度、費用補償和利益分享制度等，則是完善這一機制的重要措施和環節。The laws and rules that govern the mortgage - backed security market should be enhanced to protect investors, hence, lead to a sound capital market
本文結合我國住房抵押貨款證券化的金融生態環境，探討了投資者面臨的假按揭風險、抵押物處置風險和房貸險等法律問題，提出了完善相關法律金融制度的建議。This paper analyzes the institutional defects in view of the policy environment, the primary market of mbs, the secondary market of mbs, and offers countermeasures : first, setting up national housing mortgage management institution, second, enlarging the service scope of housing mortgage - backed loan, third, differential loaning, fourth, regularly issuing the pricing of housing construction ; fifth, normalizing the institutional investors
從政策環境，抵鉀貨款一級市場，抵押貸款二級市場分析了中國房地產抵鉀證券化的制度缺陷，進而提出了對策措施： 1 ）成立國家住宅抵押管理機構； 2 ）擴大房地產抵押貨款范圍； 3 ）區別放貨； 4 ）國家定期公布房地產造價； 5 ）規范mbs機構投資者。3. feasibility analysis of mbs the paper introduces and explains the theory of mbs and analysis the feasibility of mbs in china from many aspects, such as system, laws, financial environment, the situation of housing markets, macroeconomic effect, etc. the reform of land - using system provides mbs system pre - requisite ; the interrelated laws offer the law guarantee for mbs ; the issue of " security act " indicates that the security market of china is being normalized, and the developing prospect of finance in china brings mbs effective support ; the dilemma between the surplus and the shortage of commercial housing gives mbs an important turning point ; the macroeconomic effect of mbs is that it accelerates the economy, reduces the pressure of currency inflation, dissolves the operating risks of finance organs and makes the finance system operate steadily
三、我國住房抵押證券化的可行性分析本文從住房抵押貨款證券化（ mbs ）的理論分析入手，結合我國住房抵押貸款的發展狀況，分別從制度、法律保障、金融環境、住房市場現狀、宏觀經濟效應等幾方面論述了mbs在我國的可行性：土地使用制度改革為實施mbs提供了制度前提；配套法律制度為實施mbs提供了法律保障； 《證券法》的正式出臺，標志著我國證券市場走向規范，我國良好的金融業發展前景為mbs提供了有效的支持；現階段住房市場的有效供給與有效需求雙重約束的矛盾存在，為證券化實施提供了重要契機； mbs的宏觀經濟效應在於拉動國內需求，促進經濟增長，減輕通貨膨脹壓力，化解金融機構經營風險，保持金融體系穩定運行。Many homeowners, for example, are making the most of the low interest rate environment by refinancing to trim their payments or shorten their term. some are downsizing to smaller pads
許多屋主，例如，盡量利用低利息的率環境，更改他們的房屋抵押貸款支付金額或宿短支付期限。有些減少到很少的錢。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。It indicates and also analyzes the problems of housing demand, credit capital supply and exertion, management system, risk keeping away mechanism, price forming mechanism, mortgage mechanism, market environment, lag of rules and laws and disposing of mortgage goods, ( chapter 3 ) part 4, the study of market system and government system of personal purchase mortgage on the precondition of monetary housing distribution analyze the foundations of market and government during this process and the problem of market disorder and government defection
指出了目前我國個人購房抵押貸款運行中的住房需求、信貸資金供給和運用，經營管理體制、風險防範機制、價格形成機制、抵押機制、市場環境、法規滯后、以及抵押物的評估和處置上存在許多問題並對此進行了深入地分析與探討。 （第三章）第四，對住房分配製度轉變過程中個人購房抵押貸款的市場機制與政府機制研究。分析市場與政府在個人住房抵押貸款中的作用及其市場失靈、政府缺陷的問題。Opened on 15 january, 1912, the former supreme court was converted in 1985 to house the legislative council chambers. the two - storey granite structure is neoclassical in style. not open to the public
舊最高法院坐落於中環填海區，外觀氣派不凡，是區內的地標之一於1912年，由當時總督盧押爵士宣告正式啟用。It ' s possible and necessary to accept floating charge as security in our nation. and the author puts forward suggestions on the future stipulations of floating charge in this part
法律環境、文化影響上都是可能的，而且由於擔保物權制度的發展、企業融資擴大生產以及項目融資和託管的發展，移植浮動抵押制度也是必要的。Auto finance can improve the efficiency of auto production, service and capital utilization. currently there is only less than 20 % of chinese car buyers are buying on credit comparing with over 70 % in those developed market
汽車金融服務是在汽車的生產、流通與消費環節中融通資金的金融活動，主要包括資金籌集、信貸運用、抵押貼現、證券發行與交易以及相關保險、投資活動，它是汽車業與金融業相互滲透的必然結果。Chapter two analyzes the causes of risks of the business from the perspectives of property developers, borrower, banks, mortgage security and regulatory and legal environment. chapter three introduces the best experience and practice in developed countries housing
在論文的第二章，筆者分別從開發商、借款人、銀行自身、抵押物、宏觀經濟環境等五個方面詳細闡述了個人住房按揭貸款風險形成的原因。Part three is mbs ' s legal analysis, including subject analysis, procedure analysis and negative influence analysis. in this part, the institution of spv and asset transfer analyses are the base of this thesis, in part four, with the analysis of the legal environment for mbs in china, author put forward some proposals for the solution of the legal obstacles our country should meet with and the legislation of mbs in china
其中對spv的構建和資產轉移的法律分析是本部分的中心。在上述研究的基礎上，本文在第四部分就中國推行住房抵押貸款證券化的必要性、可行性和法律環境作出分析和評價，並提出對策，並就構建我國住房抵押貸款證券化乃至資產證券化的法律體系作出簡單設想。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。On the base of this point, the paper proposes four ways : first, the personal credit - information system should be built up ; second, government should establish the personal credit - guaranteed system ; third, liberalization of interest rate in the consumer credit market ; finally, developing the credit card ' s circulation loan function
在此認識的基礎上，本文提出了解決抵押困境的途徑：建立政府主導型的個人信用體系，成立各省市的個人信用擔保機構，推進消費信貸利率市場化，大力發展信用卡的小額循環貸款功能。However, with a reduction in the forecast employment in the central reclamation due to changes in land use assumptions since the second railway development study, and the anticipated opening of shatin to central link ahead of the nil, which would share some of the cross - harbour trips and relieve the nathan road section of twl, it has been decided in early 2003 that the completion of nil would be deferred to beyond 2016
不過，自第二次鐵路發展研究以來，土地用途的假設已有所改變，導致中區填海區的預計就業人口減少。此外，沙田至中環線預計會較北港島線為早通車，之後可分流部分過海乘客，從而紓緩荃灣線彌敦道段的擠塞情況。政府在2003年初決定將北港島線的完成時間押后至2016年以後。On 27 february 2006, the group signed a syndicated loan agreement for an unsecured hk 6 billion revolving loan facility. the interest rate for this facility is hibor hong kong interbank offered rate plus 29 basis points. this facility is for general corporate funding requirements of the group including refinancing of the outstanding loan balance under a previous hk 4. 5 billion syndicated loan facility obtained in january 2002
於二零零六年二月二十七日，本集團簽署一項60億港元無抵押循環貸款之銀團貸款協議，利率為香港銀行同業拆息加29基準點，將用作集團的一般企業資金需求，包括為於二零零二年一月獲得的一項45億港元銀團貸款作再融資。分享友人