直接信貸基金 的英文怎麼說
中文拼音 [zhíjiēxìndàijījīn]
直接信貸基金
英文
dcf-
At first, this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system, and established the system of personal credit evaluate ; the second, the thesis discusses the investment technique and strategy of national debt in the provident fund, and established the model about how to invest the national debt ; the third, the thesis build the forecast model about fund collecting and drawing, and make use of the combination invest theories to build model of individual loan and national debt ; at last, the thesis analyses the risk ' s inside reason of house funds with the risk type, and to give out the related suggestion to funds risk. mechanism. the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds
本文首先分析了個人住房貸款制度基本要素，即貸款期限、貸款利率與抵押物價值的比例、政府在個人住房貸款市場中的作用、貸款違約情況下的處置措施、個人住房貸款的流動性問題，並對中外製度作了比較，建立了個人信用評分評級體系和信用評估模型，並以重慶市住房公積金為研究對象做出了住房資金個貸風險評估的實證研究；其次，分析了影響國債價格走勢的因素，討論了公積金國債的投資技巧和策略，並建立了基於理論的國債投資組合模型；接下來，根據資產負債管理理論中的資金總庫法和資金分配法分析了公積金總體資金項目的來源和運用，並就此作了總量平衡模型，對住房公積金季度累計歸集金額作了直線回歸和季節趨勢比率預測，運用投資組合理論建立了公積金個人貸款和國債投資組合的最優化模型；最後，探析了住房資金風險的內在原因和風險類型，從資金籌集風險、信貸回歸風險、保險機制、法律風險和政策風險五個方面為住房資金風險防範機制建設提出了相關建議。In part of theory research, the author points out that the scarcity of capitals is an primarily cause that leads developing country to poverty, while the financial restraints result in lack of capitals and unreasonable resources deploying, and the main measures to break vicious cycle of poverty is lift the financial restraints and improve the investment efficiency. subsequently by analyzing the phase characteristic and its practice course of our country ' s help - poverty policy, the author induces the basic deficit. and by analyzing international help - poverty loan policy especially little help - poverty loan, the author points out that our country ' s help - poverty policy must obey the credit principle and design a direct credit loan transfer system specially aiming at the poor and pay more attention to the development of human resource of the poor
在理論研究部分，作者指出，資本稀缺是導致發展中國家貧困的重要根源，而金融壓制是造成資本缺乏和資源配置不合理的主要原因，解除金融壓制、改善投資效率是打破貧困惡性循環的主要途徑；繼而通過分析我國信貸扶貧政策的階段性特徵及其實踐歷程，分析了我國信貸扶貧政策及其實踐的基本缺陷；進而通過國際扶貧信貸扶貧政策特別是小額信貸政策的分析與借鑒，作者提出，今後我國的信貸扶貧政策，必須堅持信用的基本原則、必須設計一個直接和專門針對窮人的信貸傳遞系統，注重對窮人人力資源的開發。
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