commercial mortgage 中文意思是什麼

commercial mortgage 解釋
商業抵押
  • commercial : adj 1 貿易的，商業上的；營業性的。2 〈美國〉（能）大量生產的；營利（性質）的；面向市場的；〈美國...
  • mortgage : n 【法律】抵押；抵押權；抵押契據；受押人對抵押品的權利。 on mortgage （拿房屋等）作抵押。vt 抵押...
  1. From surveying the advance - booking of our country ' s commercial housing, analyzing the mortgage in hong kong ' s law, researching the present situation and perspective of our country ' s mortgage practice, studying specially the discrimination between mortgage and charge as well as pledge, the author deduces that guarantee object of advance - booking of commercial housing is the reversionary right, and the advance - booking of commercial housing should be classified into the cessionary guarantee system in expectation of benefit to the legislation of our country ' s property right law

    本文從對我國商品房預售概述和香港法上的按揭分析、從我國按揭實務現狀及問題透視的研究、從按揭與抵押、質押的區別作了專門的研究，認為商品房預售按揭的擔保標的物是期待權、商品房預售按揭應歸于讓與擔保制度范疇的結論，以期對我國物權法的立法有所裨益。
  2. Nonetheless, mortgage - backed still have some existing defects with the security, profitability and liquidity of modern commercial banks are looked at : one of the defects is that the capital that the bank gives to the mortgager is a liability of the bank to the depositors

    但是，以現代商業銀行經營的安全性、盈利性和流動性角度來看，住房抵押貸款仍存在一些缺陷：一是銀行貸給按揭人的資金是銀行對儲蓄者的負債。
  3. The mortgage of advance booking of commercial housing enables the mortgagee to purchase the house by paying only a few of first installments

    商品房預售按揭，使得承購人以較少的首期款就可以購得房屋。
  4. By dissecting the problems in the managerial and operational mode of residential accumulation funds, it presents some suggestions to perfect our residential accumulation fund system by perfecting its accommodation system, amplifying its managerial system and its supervising mechanism. as for the commercial individual housing mortgage loans, the author analyzes in detail the problems in individual housing credit by taking chongqing as an example and puts forward some countermeasures. he also categorizes the risks of individual housing mortgage loans and points out how to guard against the risk of individual housing mortgage loans for commercial banks, which lies in the accurate assessment of the certifying ability of the real estate developer, the thorough investigation of his property and credit, strict control over the evaluation value of the property and the volume of loan and dealing risks promptly, resolutely, flexibly and effectively so as to strangle the risk in cradle

    針對住房公積金管理運作模式存在的問題，提出從完善住房公積金融通制度、健全公積金運作管理制度、嚴格公積金監督管理機制幾方面完善我國的住房公積金制度的建議；商業性的個人住房抵押貸款以重慶市為例對個人住房信貸存在的問題進行詳細分析提出對策，並將個人住房抵押貸款的風險進行歸類，提出商業性銀行個人住房抵押貸款風險的防範主要是在於對房地產開發商保證能力的評估，對其資信情況的調查，嚴格控制物業的評估值和貸款成數，並及時、果斷、靈活、高效，處理出現的風險，將風險消除在萌芽狀態。
  5. Structure financial instrument includes commercial mortgage - backed securities ( cmbs ), asset - backed securities ( abs ), real estate investment trusts ( reit ), and residential mortgage - backed securities ( cmbs ). according the research report of us, most of abs and mbs is floating interest rate, and credit rate is aaa and duration is short term. also, the structure of abs and mbs are different with different client requirement of cash flow

    在美國金融市場上的結構化金融產品包括個人住房貸款抵押支持證券（ rmbs ） 、商業貸款抵押支持證券（ cmbs ） 、債務抵押債券（ cdo ）和資產支持證券（ abs ） ，而abs主要包括信用卡應收賬款支持證券（ creditcardabs ） 、汽車貸款支持證券（ autoabs ） 、學生貸款支持證券（ studentloanabs ）和家庭財產支持證券（ homeequityloanabs ）等。
  6. Based on the current situation of chinese housing mortgage loan insurance, a comprehensive system of housing mortgage loan insurance, which caters for the different consumers " demands for insurance, is put forward by the author. this system includes : housing mortgage loan insurance institution of government credit guarantee for the denizens of humble income and general income ; commercial housing mortgage loan insurance institution of having diversiform insurance fashions for the denizens of general income and booming income ; and bonding institution of government credit guarantee for promoting housing mortgage loan to securitization

    在分析了我國已有住房抵押貸款保險情況（我國住房抵押貸款保險業務已初具規模，但仍存在不少問題；已有的住房抵押貸款保險的品種單一，覆蓋面很窄；現行的住房抵押貸款保險在實際操作中存在許多誤區）的前提下，筆者提出針對不同消費者建立多種保險方式的住房抵押貸款保險體系，包括：為中低收入居民服務的政策性住房抵押貸款保險機構、為中等偏上及高收入居民服務具有多種險種的商業性保險機構和為促進住房抵押貸款證券化的政策性保險機構。
  7. Thirdly, analyses the every factor that influences financial demands i. e. the interest rate, average income, expected profit and psychological consciousnesses of microscopic main part ; then through studying the factors which influenced the credit market, points out under the imperfect information condition the results of credit market equilibrium will be : causes the commercial banks to have credit ration behavior, causes the partial high venture enterprise and the few mortgage property enterprises to withdraw from the credit market

    再次，分析了影響金融需求的各個因素即利率、人均收入、預期收益和微觀主體的心理意識與金融業務發展的關聯性，並通過分析影響我國信貸市場均衡的各個因素，指出在信息不對稱條件下信貸市場的均衡使得商業銀行會產生「信貸配給」行為，同時使得部分高風險企業、抵押資產少的企業退出信貸市場。
  8. Other investors were happy to buy that commercial paper because it was “ asset - backed ”, in the form of the mortgage debt

    而其他投資主體很樂意購買商業票據，因為其擁有抵押債務形式的資產擔保。
  9. The legal validity of mortgage of commercial instruments

    論票據質押的法律效力
  10. We should attach more importance to following channels at present time : broaden monetary market function ; perfect stock mortgage loan ; develop investment institute ; explore investment banking business, including investment funds business channel, insurance business channel and security business channel ; make financial organization renovation. following policy suggestions should be applied : 1 ) perfect the policy environment ; 2 ) treat the problem rationally ; 3 ) implement financial mixed operation system in due time ; 4 ) foster financial market ; 5 ) enhance external supervision ; 6 ) deepen the construction of commercial banks ; 7 ) introduce bank capital into stock market in stages

    貨幣市場和資本市場的不協調發展使證券機構出現制度外與體制外融資或違規操作，必須在兩個市場間建立資金和信息對流的寬敞通道，在路徑設計上，當前應擴展同業拆借市場、國債回購市場等貨幣市場渠道功能;完善股票質押貸款，及時推出非券商股票質押貸款，並注重風險防範;大力發展養老基金、保險公司、信託基金等機構投資者，吸收銀行資金間接入市;拓展投資銀行業務，包括基金、保險業務渠道、券商業務渠道、公司業務渠道;設立證券金融公司或金融控股集團，進行組織制度創新。
  11. Registration procedures for mortgage of pre - sold commercial housing for foreigners

    預售外銷商品房辦理貸款抵押登記手續
  12. At present, it is mr. liang huixing, an authority on the civil law, that first advocates the mortgage of commercial housing ' s advance booking should be

    目前，國內首推商品房預售按揭應歸于讓與擔保制度范疇的是民法界泰斗梁慧星先生，學界對此也爭論不休。
  13. However, my so - called commercial housing mortgage loans and collateralized mortgage different. so i tried to introduce civil law for the security system and to resolve the problem

    對讓與擔保的概念、特徵、讓與擔保的性質，讓與擔保的要件和與讓與擔保相似的幾個法律制度的區別分別予以了探討。
  14. Though residential accumulation fund load and commercial load develop rapidly, there are many problems including smaller loan - to - value ratio, shorter loan terms, more initial payments and simple mortgage lending patterns needed to be solved in mortgage innovation. residential mortgage does n ' t meet the needs of all groups of home buyers, so it has been a urgent matter to innovate it

    雖然個人住房公積金貸款與個人住房商業性貸款的規模擴張極其迅速，但我國住房抵押貸款抵借比率過小、貸款期限過短、首付款過大、還款方式單一，已不能適應不同層次購房者的貸款要求，對其進行創新設計已成為當務之急。
  15. And in a fresh problem area for banks, commercial - mortgage - backed securities are declining in value, mr

    皮爾斯指出，商業抵押貸款擔保證券的價值正在下滑，而這是最近才暴露出問題的一塊業務。
  16. Reflections on corrent business of home mortgage loan from commercial banks

    對發展商業銀行住房抵押貸款業務的思考
  17. A case study of the lawsuit filed by the business department of a commercial bank against zhenghua industrial company concerning disputes over a mortgage loan

    某市商業銀行營業部訴正華實業總公司抵押貸款糾紛案
  18. In april this year, police commercial crime bureau ( ccb ) mounted a proactive intelligence based operation against a mortgage fraud syndicate that created fictitious employment records and income proof, and used false documents including bank and tax statements to apply for mortgage loans

    今年四月，警方商業罪案調查科探員根據情報，針對一個按揭詐騙集團展開調查。該集團偽造僱用紀錄和收入證明，並利用偽造文件包括銀行月結單和稅單，申請按揭貸款。
  19. We get that the obstacles of securitiation first lies in that the commercial banks do not transfer their mortgage loan solicitously, second the interest rate is not in open market, and third,

    分析得出了我國實施"證券化"面臨的真正障礙在於：一是商業銀行轉讓其住房抵押貸款的意願不強；二是利率尚未市場化；以及來自法律的約束。
  20. Mortgage - backed are commonly seen as a low risk and high earnings type of loan among the credit assets of commercial banks as a certain amount of interest and principle can be recovered each month that makes cash flow stable and that there is comparatively low risks in issuing these types of loans to individuals that use the houses they are paying off in installments as a loan guarantees

    在商業銀行的信貸資產中，住房抵押貸款通常被視為一種風險小、收益高的貸款品種，一則每月可穩定收回一定金額的本息，現金流穩定；二則以個人按揭購買的住房為抵押，風險較低。
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