有風險貸款 的英文怎麼說

中文拼音 [yǒufēngxiǎndàikuǎn]
有風險貸款 英文
risky loans
  • 有 : 有副詞[書面語] （表示整數之外再加零數）: 30 有 5 thirty-five; 10 有 5年 fifteen years
  • 風 : Ⅰ名詞1 （空氣流動） wind 2 （風氣; 風俗） practice; atmosphere; custom 3 （景象） scene; view 4 ...
  • 險 : Ⅰ名詞1 （險惡不容易通過的地方） a place difficult of access; narrow pass; defile 2 （危險） dange...
  • 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...
  • 風險 : risk; hazard; danger
  • 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. This article consists of five parts as following : mortgage of uncompleted building was originated from the common law and the law of hong kong, so the paper probes into its meaning - the transformation of the specific property right ; when the debtor fails to perform his duty, the creditor can obtain the title determinately ; the debtor enjoys the right of redeeming the collateral security through fulfilling his debt, the creditor has the obligation of returning the property at the same time. secondly, the author summaries its essential feature on the practice of the real estate mortgage hi the mainland of china - the target of the mortgage is a kind of expective interest ; the mortgage is a kind of guarantee which is settled through making over the interests in expectancy ; the risk of the mortgaged uncompleted building should be borne by the realty company instead of the mortgagor ; the phase of the mortgage ; mortgage is realized in a particular way. thirdly, on the basis of analyzing the legal nexus that is involved, the paper points out that the legal ne xus of the mortgage is just between the mortgagor and the mortgagee

    樓花按揭作為一種擔保方式起源於英美法上的mortgage ，所以本文第一部分首先探討了mortgage在英美法上的含義：特定財產權利的轉移；在債務人不履行債務時，債權人可以確定地取得所有權；債務人享有通過履行債務而贖回擔保物的權利，同時債權人負有交還財產的義務。其次，就我國的樓花按揭實踐總結了其基本特徵：樓花按揭涉及兩個合同三方當事人；樓花按揭的標的是一種期待性利益；樓花按揭是通過轉讓物業權益而設定的一種擔保方式；預售樓花滅失的風險應有開發商承擔；樓花按揭的階段性；樓花按揭實現方式的特殊性。最後，分析了樓花按揭所牽涉的各個法律關系，認為真正的樓花按揭法律關系只是購房人與銀行之間的按揭貸款關系，按揭當事人只有購房人（按揭人）與銀行。
  2. At first, this thesis analyzes sorts of residential mortgage risks, brings forward some methods of risk control, points out that insurance is the most effective way to transfer the risks of residential mortgage, and introduces some insurances on residential mortgage in domestic financial market and abroad, expounds particularly the successful experience of usa where the business insurance agents, fha and va provide full ensurance for the loans of bank to disperse default risk, thus promotes the prosperity of real estate finance

    本論文首先從分析住房抵押貸款的風險種類入手，提出了多種風險處理措施，指出住房抵押貸款風險最有效的轉移措施是保險，並介紹了國內外現行住房抵押貸款有關保險，詳細闡述了美國的成功經驗：通過商業保險公司、 fha 、 va等機構對銀行放款提供全方位保障，化解來自借款人不能償付貸款的風險，促使整個房地產金融活躍起來。
  3. The services of the ccra will undoubtedly enhance the credit risk assessment of lending institutions and enable them to provide better lending terms and rates to smes.

    商業信貸資料庫有助貸款機構的信貸風險管理及向中小企提供更優惠的貸款條件。
  4. Through analyzing the credit risk in private business sector running by two commercial banks in daqing, we can find that the operation risk is higher than the credit risk of loanee, and it can enlarge credit risk to a great degree

    針對此情況，本文用案例分析指出個人信貸業務產生的風險不僅僅是借款人的信用問題，更主要的是商業銀行的內部因素導致的，即操作風險。健全的內部控制機制和良好的公司治理結構可以有效的控制操作風險的發生。
  5. By analysis of the risks possibly faced by the loaner in the ship mortgage financing of the single - vessel company, new methods are designed to reduce such risks

    作者通過對單船子公司以所有船舶抵押融資模式中貸款人可能面臨的風險的分析，設計了一些貸款人可採取的降低風險的措施。
  6. Unqualified capital index, high liquidity debt ratio, high bad loan ratio and weak adaptive ability can induce liquidity risk

    資本金充足率不達標、流動性負債比例過高、不良貸款比率居高不下、對宏觀環境變化應變能力不足都有可能誘發流動性風險。
  7. However, the complicated international - trade circumstance makes it very difficult to control the payment risks of export, and at the same time because of their own defects, the traditional trade finance products cannot satisfy the exporters ’ needs. therefore, it has a high demand for the newer and better trade finance products and forfaiting is just a suitable one as a kind of bill discounted without recourse. after entering into wto takes the opportunities and challenges to the chinese banks, and the foreign banks will try to occupy the chinese markets by their rich management experiences, high - quality services and various fianc products

    一、本文的研究目的和意義隨著商業銀行客戶群日益多樣化的發展和不斷涌現的國際貿易新形式，傳統的打包貸款、出口押匯等業務品種，已遠不能滿足我國企業日趨豐富的融資需求，本文通過對福費廷業務的特點、風險狀況、市場前景的分析，力圖找到一條適合我國商業銀行開展福費廷業務的新路子、新思維，同時也希望能為我國這樣一個新興市場經濟國家在解決出口融資方面提出一個值得大力發展的途徑，有利於促進我國出口貿易及我國商業銀行國際業務的大發展。
  8. Among the changes, authorized institutions have been required to disclose in their annual accounts concentration risks including geographical concentration of income, profitloss, assets, liabilities and contingent liabilities and commitments ; geographical concentration of loans and advances ; and foreign currency exposures. similar updates were incorporated into the

    修訂的范圍包括要求認可機構在年度帳目內披露其風險集中情況，包括有關收入、溢利虧損、資產、負債及或然負債與承擔的區域集中情況、貸款與墊款的區域集中資料，以及外幣風險。
  9. On the data statistics of annual reports of four state - owned commercial banks ( 2004 ), loan revenue take up above 60 % of commercial bank ' s operating income, loan accounts for above 85 % of commercial bank ' s asset. so, it is important that whether loan price could cover cost and risk of bank, and whether it could get the maximum of benefit

    根據四大國有商業銀行2004年年報的數據，貸款占資產總額的平均比重為60 % ，利息收入占營業收入的平均比重為85 % 。可見，貸款定價是否合理，貸款價格能否補償銀行的成本和風險，對商業銀行的發展至關重要。
  10. Should loan losses climb, investors in mortgage - backed securities will also get burnt, especially those holding the riskier, higher - yielding bonds

    如果貸款增長放緩，抵押貸款擔保證券的投資者? ?特別是那些持有高風險高收益債券的投資者，將會因此受損。
  11. The third chapter provides evidence that the goal of setting up the organic structure system for the bank supervision and regulation is to effectively use the supervisory resources, by comparing the body of regulatory authorities, internal sections and branches, governing control system is a financial safety net, which consists of the normal means, deposit insurance system and the lender of last resort system

    其中組織機構體系是從監管主體、內部部門和分支機構設置三個層次展開，結論是無論如何設置監管的組織體系目的是監管資源的有效利用。調控管理體系是保護銀行的安全網，它包括一般性方法、存款保險制度和最後貸款人制度，這一部分的結論是為防止道德風險應該在監管中增加市場紀律和私人部門監督的作用。
  12. With deepens unceasingly to the credit risk cognition degree in our country banking, credit risk assessment method also is continually improved and enhanced, the corresponding credit management system is also consummated day by day. according to our country economic environment evolution, in this article we will divide our country banking industry credit system transformation into three stages : the planned economy time, planed the commodity economy time and the market economy time

    本文首先從我國銀行業信貸體制改革的三個階段，即計劃經濟時代、有計劃的商品經濟時代和市場經濟時代，按照時間的脈絡研究銀行貸款評價方法的演進過程入手，隨著對信貸風險認識度的不斷加深，信貸管理體制不斷完善，從無風險意識到粗放型的風險度測演算法，再到目前圍繞不同企業的不同特點進行差異化評估，信貸風險評價方法也日趨成熟。
  13. In concrete, from the perspective of capital demand, it analyses the financial characteristics of the enterprises classified by their industries, stages of development and scales. from the perspective of capital supply, it did researches in the various financial channels of lending capital, venture capital, private loans, capital market and self - owned capital

    具體而言，從資金需求角度對按行業、按成長階段、按規模劃分的企業的融資特點進行分析；從資金的供給角度對信貸資金、風險資金、私人借款、資本市場、自有資金等不同融資渠道的資金進行調查研究。
  14. Investors have been demanding higher returns in exchange for the risk of keeping money in longer - term securities

    投資者已經被要求得到更高的回報，以承擔擁有長期貸款的風險。
  15. 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。
  16. 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。
  17. So it caused considerable surprise on august 23rd when bank of china, one of the country ' s biggest lenders, revealed that it held a $ 9. 6 billion exposure to securities backed by american subprime mortgages ? albeit most of them highly rated

    所以，當中國最大的貸款機構之一，中國銀行在8月23日公布其持有96億美元的美國次級抵押風險債券時，引起震驚?盡管大部分是高收益債券。
  18. The article, by approaching the law characteristics, law relations, effect of mortgage of personal living house mortgage loan and the risk of personal living house mortgage loan, combining with foreign theory and practice, aiming against the present status of our country, puts forward establishing the legislative advice to prevent the risk of personal living house mortgage loan, and has made a deep research for the relative law system

    本文通過探討個人住房抵押貸款的法律特徵、法律關系、抵押權的效力及個人住房抵押貸款的風險，結合國外的理論和實踐，針對我國的現實狀況提出建立防範個人住房抵押貸款風險的立法建議，並對有關的法律制度進行了深入研究。
  19. Investors are shunning subprime and all mortgages that seem risky

    投資者正在避開次優抵押貸款以及所有其他看起來有風險的抵押貸款。
  20. Locally incorporated institutions with insignificant market risk exposures were exempted under the de minimis criteria set out in the new regime

    根據新制度的低額豁免準則，若干市場風險貸款極小的本港注冊機構可獲豁免遵守有關規定。
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