貸款債券 的英文怎麼說
中文拼音 [dàikuǎnzhàiquàn]
貸款債券
英文
loan stock-
Financing project financing, financing in the form of bonds and stocks, fund raising, idle funds, commercial lending, lending rate, grants, guarantor
融資項目貸款債券股票融資集資游資經常性貸款貸款利率贈款擔保人Danish mortgage bonds certainly seem appealing to investors
毫無疑問，丹麥的房產抵押貸款債券對投資者很有吸引力。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」 。Wells fargo still remains in far better shape than many of its peers because it sold most of the $ 2 trillion in home loans that it originated since 2001 and invested relatively little money in the mortgage - backed securities that are lumping other big banks with multibillion - dollar losses
相對于其他同類銀行，富國銀行的狀況要好得多，他已經出售了大部分次級債，在2001年，他們曾經共持有2萬億美元的住房貸款，同時在抵押貸款證券中相比其他公司數以十億計的損失顯得非常小。And make a profound analysis of it from five aspects : the establishment, the financing arrangement, the source of the profits, the extending of the business scope, the business and financing risk controlling, etc. installment, smart buy, smart lese and the transfer of the auto installment contract and re - finance are american finance service mode of automobile. in chapter, by explaining and researching the related policies, for example the manage measure of automobile finance company, i make a deep study about the automobile finance operation in recent years by our
分期付款零售方式、融資租賃方式、信託租賃方式及汽車分期付款合同的轉讓與再融資是美國汽車金融公司的服務模式，汽車金融公司的資金來源於銀行貸款、發行商業票據、消費者存款、債券及其資本金;利潤來自一、資金成本與放款利息的利差;二、高收益、高風險、高利潤回報的金融服務產品;三、將汽Moreover, lenders have tightened underwriting standards across the board for both prime and subprime mortgages, making it harder for borrowers to refinance loans
不僅如此，貸款行嚴格了包括優先、次級抵押貸款債券的現行標準，使得借款人再融資更加困難。“ capital account transactions ” refer to the increase and decrease of assets and liabilities in the balance of payments as a result of the inflow and outflow of capital ， including direct investment ， loans and portfolio investment etc
七） 「資本項目」是指國際收支中因資本輸出和輸入而產生的資產與負債的增減項目，包括直接投資、各類貸款、證券投資等。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。Practicing this regime requires certain pre - conditions such as the scale of mortgage loans, a brisk stock market, a huge group of investors as well as a number of intermediary service institutions including credit rating corporations, insurance companies, law firms and accounting firms. in china, the securitization of housing - mortgaged loans has become heatedly discused topic recently. in our country, initiate innovations are needed for the market potentiality of real estate, explosive expand in house requirement, further improvement in house market and to develop and reinforce the housing finance, and so mortgage - backed securities provided a ideal tool for resolving the problem for those
所謂房地產抵押貸款證券化，就是將房地產抵押貸款債權轉化為房地產抵押證券的過程，具體而言，也就是金融機構將其持有的若干房地產抵押貸款依其期限、利率、還款方式進行匯集重組，形成一系列房地產抵押貸款資產池（資產組合） ，再將該組合出售給從事抵押貸款證券化業務的特殊目的機構（ spv ） ，通過擔保機構擔保實現信用升級后，經信用評級機構評級，由證券承銷商將信用級別較高（通常為aaa或aa級）的抵押貸款支持債券出售給投資者的一種證券化模式。Moreover, the fed ' s operation on august 10th was also slightly unorthodox, as the collateral for cash loans was entirely in mortgage - backed securities, albeit ones guaranteed by federal agencies
此外，美國聯儲會在8月10日的行動也有些不同尋常，那些現金貸款的抵押物是房貸型債券，而且這些已經由聯邦機構擔保過了。The commercial bank can revitalize stock assets, increase the number of financing channels, decrease the asset - liability ratio, raise the rate of capital sufficiency and have a close relationship to the capital market through the securitization of home loans
通過住房貸款證券化，商業銀行可以盤活存量資產；增加融資渠道；降低資產負債率；提高資本充足率；密切與資本市場的聯系。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。Credit risk is the oldest and most complex risk type in banking institutions. with the innovation of products in banks, credit risk becomes more and more complex
信用風險既存在於傳統的貸款、債券投資等表內業務中，也存在於信用擔保、貸款承諾等表外業務中，它隨著銀行業務創新而日趨復雜。Fixed interest loan stock
固定利息貸款債券This financing technique originates from t he h ousing m ortgage loan s ecuritization i n america i n 1 970s, and afterwards it is applied to the non - mortgage creditor ' s assets extensively in addition to mortgage creditor ' s rights, and develops vigorously at euro - american market in 1980s
這項融資技術起源於70年代美國的住房抵押貸款證券化，隨后證券化技術被廣泛應用於抵押債權以外的非抵押債權資產，並於80年代在歐美市場獲得蓬勃發展。Subprime borrowers ? long shut out of home ownership ? now account for one in five new mortgages and 10 % of all mortgage debt, thanks to the expansion of mortgage - backed securities ( and derivatives based on them )
由於抵押貸款證券化產品（以及基於此種產品的衍生產品）的增多，那些長時間無法得到房屋所有權的次優貸款借款人佔到新貸款人數的五分之一，所有貸款債務中的10 % 。Collateralized mortgage obligation
房產抵押貸款債券Not only that subprime loans were sold to investors worldwide as mortgage related securities
並不僅限與此，次級貸也作為抵押貸款債券向全世界范圍內的投資者出售。This paper analysises the operating principle and system of house mortgage loan securities first, especially research its ris income and fixed model of price, in price fixed model, it is divided into two types : normal payment and prepayment model. based this foundation, put forward theory and practice meaning for securities, then on the light of present national situation, expound the basic conditions and existing hinders on creating deepen house mortgage loan securities market in our state. at the end, raise the operating plan to carry out securities and design the basic frame
本文首先對住房抵押貸款證券化的運行原理與機制進行了分析，尤其是側重於對其風險、收益以及證券的定價模式方面的研究，在債券定價模式中，分正常還款與提前還款情況進行討論，在此基礎上，提出了在我國創建住房抵押貸款證券市場的理論與實踐意義，並根據目前國內住房金融一級、二級市場現狀，闡述了我國創立和深化住房抵押貸款證券市場的基本條件與存在的障礙，最後結合國情，提出了我國推行住房抵押貸款證券化的操作方案，設計了基本框架。分享友人