collateral risk 中文意思是什麼

collateral risk 解釋
抵押風險
  • collateral : adj 1 側面的；旁邊的；旁系的；間接的；副的；附屬的，附帶的；附加的，追加的。2 平行的，並列的。n 1...
  • risk : n 1 風險，危險；冒險。2 【保險】（損失的）風險（率）；保險金額；被保險人，被保險物。vt 冒…的危險...
  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. The studies show that, the less collateral value the entrepreneur provides is, the higher credit risk to the bank is and the larger risk of adverse selection is ; the more collateral value the entrepreneur provides is, the lower credit risk to the bank is and the smaller risk of adverse selection is

    研究結果表明，如果企業提供的抵押品價值越少，銀行信貸資金所面臨的風險越大，逆向選擇風險增大；如果企業提供的抵押品價值越多，銀行信貸資金所面臨的風險越小，逆向選擇風險減少。
  3. 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。
  4. Be able to provide the joint venture enterprise with a sufficient amount of risk collateral or risk security and the related letter of guarantee

    能夠向合營企業提供足夠數額的風險抵押金或風險保證金保函。
  5. In addition, it is the effective measure for promoting the development of consumption credit of china to transfer and dispel the risk of consumer credit by insurance and security, to construct collateral institution supported by the government, to exert market - oriented interest rate reform of consumer loans step by step, to claim the additional penalty interest rate for ahead - payment and to apply the scientific technology for managing the risk of the consumer credit

    還可以通過保險和證券化來轉移和分散消費信貸風險，通過建立政府支持的住房貸款擔保機構，放開消費信貸利率，對提前償還加收罰息等等方式來控制或分散消費信貸風險，並用科學的方法管理消費信貸風險。這些方法都是中國促進消費信貸發展的有力措施。 j . p . morgan和合作機構開發的「信用度量術」 ? ? var方法可以在消費信貸貸前、貸中和貸后的管理決策中得到應用。
  6. Determining certain interest rate and loan to value ratio ( ltv ) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan

    摘要存貨抵押貸款中，信用風險主要來源於抵押物價格和流動性風險，信貸人確定適當的利率和貸款價值比能夠有效緩釋信用風險。
  7. 6 there is risk if i / we provide you with an authority that allows you to apply my / our securities or securities collateral pursuant to a securities borrowing and lending agreement, repledge my / our securities collateral for financial accommodation or deposit my / our securities collateral as collateral for the discharge and satisfaction of its settlement obligations and liabilities

    向閣下提供授權書，容許其按照某份證券借貸協議書使用本人/吾等的證券或證券抵押品、將本人/吾等的證券抵押品再質押以取得財務通融，或將本人/吾等的證券抵押品存放為用以履行及清償其交收責任及債務的抵押品，存在一定風險。
  8. There is risk if you provide the licensed or registered person with an authority that allows it to apply your securities or securities collateral pursuant to a securities borrowing and lending agreement, repledge your securities collateral for financial accommodation or deposit your securities collateral as collateral for the discharge and satisfaction of its settlement obligations and liabilities

    向持牌人或注冊人提供授權書，容許其按照某份證券借貸協議書使用你的證券或證券抵押品、將你的證券抵押品再質押以取得財務通融，或將你的證券抵押品存放為用以履行及清償其交收責任及債務的抵押品，存在一定風險。
  9. Although security does not assure that the loan will repaid, it does reduce the risk, because the bank becomes a preferred creditor in the event of liquidation, and takes procedure over general creditors in the liquidation of any assets pledged to the bank as collateral

    雖然抵押並不保證貸款必將得到償還，但它能夠減少風險，這是因為對以擔保品形式抵押給銀行的任何資產，銀行可優先於一般的債權人得到清償，成為清償中的優先債權人。
  10. 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。
分享友人
分享到 Line

分享到臉書