loan insurance 中文意思是什麼
loan insurance
解釋
貸款保險-
Through position analyzing and estimating, salary investigating, salary orientation and salary structure designing, working out a scientific, rational and open salary system. the emphases of welfare is to provide payment of house loan interest, purchasing life insurance for technical cadremen, etc. increasing challenge to working contents, organizing train plan to employee, encouraging study the skill of speciality and management. providing promote chunnel for technical personnel
通過職位分析，職位評價，薪酬調查，薪酬定位和薪酬結構設計，制定出一套科學、合理、公開的薪酬制度框架；福利制度重點是提供住房貸款利息給付計劃，為技術骨幹購買商業人壽保險等；工作內容上增加挑戰性；組織實施員工的培訓計劃，鼓勵員工進行專業技術和管理技能的學習；提供與行政級別平行的技術職務升遷通道。 -
Loan of 7, guarantee slip : if you are cast, be badly in need of spending money, the insurance contract of the cost of money that already can have applies for loan to insurance company for impawn
保單借款：假如您投保后急需用錢，可以已具有的現金價值的保險合同為質押向保險公司申請借款。 -
Warrantee insurance was introduced into china in 1990 ’ s from abroad. as the typical warrantee insurance productions, installment warrantee insurance, auto consuming loan warrantee insurance, and real assets consuming loan warrantee insurance developed gradually in our country
保證保險是上個世紀九十年代從國外引入的制度，其後在我國逐漸發展，並以分期付款保證保險、購房貸款保證保險和購車貸款保證保險為典型。 -
The first premium payment will be paid to the hkmc at the time of loan drawdown. the subsequent annual payments will be paid on the anniversary date by the approved sellers to the hkmc until the expiry or termination of the insurance
首年保險費于放款時支付予按揭證券公司，其後的年度保險費于放款周年日由核準賣方支付予按揭證券公司，直至保險無效或終止。 -
However, with the impact of housing loan guarantee, and gradual opening of chinese financial market, renovating residential mortgage loan insurance is imperative under the situation. deep study is done on residential mortgage loan insurance by this thesis, and there are four sections : the first section expatiates background and significance of the study on residential mortgage loan insurance, makes a clean definition of this insurance, points out that precondition of residential mortgage loan insurance is existence of risks, and sets force functions of residential mortgage loan insurance
在此背景下，本論文對個人住房抵押貸款保險進行了深入研究，全文分為四個部分：第一部分闡釋了個人住房抵押貸款保險研究的背景及其意義，指出風險的存在是個人住房抵押貸款保險存在的前提，對個人住房抵押貸款保險進行了定義，闡述了個人住房抵押貸款保險的基本職能及派生職能，並指出了住房置業擔保與個人住房抵押貸款保險之間的區別與聯系。 -
The first part is a summary of housing mortgage loan insurance
第一部分是對住房抵押貸款保險的概述。 -
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。 -
The author demonstrates that the organization should use " debit certificate " and allow the bank to exert part of " debit counteract rights " in order to avoid venture, while the individual should establish system of loan insurance, bank answering for the loss and state answering for the loss
本文認為機構教育貸款法律研究的重點在於教育機構的貸款權以及銀行是否能行使「貸款抵消權」以防範貸款風險；個人教育貸款法律研究的重點在於制定和完善鼓勵、擴大個人貸款及風險防範的法律法規。 -
The second section analyses effect of residential mortgage loan insurance from four different positions, such as positions of loan provider, housing buyer, etc. the third section sets force actuality of chinese residential mortgage loan insurance, finds out that there are only three categories now, and compares several provisions between products from different insurance companies in same categories
第三部分闡述了個人住房抵押貸款保險的發展現狀，指出我國目前僅有抵押房地產財產損失保險、個人住房抵押貸款保證保險以及個人住房抵押貸款借款人人身保險這三個險種，並就保險責任條款、保險金額條款、保費計算及繳付方式條款等方面對這三類險種中的幾個不同保險產品進行了比較分析。 -
There are five viewpoints as follows : firstly, the successful practice of personal housing mortgage loan requires consummate housing mortgage loan market system and participation of housing mortgage loan insurance guarantee agencies supported by government. secondly, it needs related rules and laws for guarantee thirdly, it should make varies ways of paying back to adjust to different families who has different incomes, hobbies and age structure. fourthly, the government should put more emphasis on the low and medium income families for their housing purchase loan
即個人購房抵押貸款的成功運作需要有完善的住房抵押貸款市場體系和政府支持的購房抵押貸款保險擔保機構的參與；要有相關法規作保障；抵押貸款還貸方式的設定應靈活多樣，以適應不同收入、不同偏好、不同年齡家庭對抵押貸款的需求；政府應重點支持中低收入家庭購房貸款；個人購房抵押貸款不僅有賴于商業性金融機構的參與，而且也要有政府成立政策性住房金融的支持。 -
Protection of consumer rights in housing loan insurance
住房貸款保險中的消費者權益保護 -
But with the unceasing development of the housing loan total quantity and with the character of expensive value, the deadline long, the poor liquidity, the strong policy - type, as well as the housing loan business development time is not long in our country at present, the housing loan insurance, two levels of markets growth will be seriously insufficient, the commercial banks lack the risk disperser and the shift mechanism situation, they will cause the housing loan risk to accumulate day by day in the commercial bank and appear gradually
但隨著住房貸款總量的不斷增加和住房貸款本身數額大、期限長、流動性差、政策性強等特點，以及在我國目前住房貸款業務發展時間還不長，住房貸款保險、二級市場發育嚴重不足，商業銀行缺乏風險分散和轉移機制的情況下，使得住房貸款的風險在商業銀行中日益積累和逐步顯現出來。 -
And now, in our country, residential mortgage loan insurance is only in the beginning of its development, far from mature. we can see that there are few insurance products and insurance liabilities, etc.
但是，目前我國個人住房抵押貸款保險尚處于起步階段，落後于個人住房抵押貸款業務的發展，具體表現為險種和承保責任少、保費費率高、繳費方式不合理等。 -
In this thesis, the author tries to explore how to build a feasible system of housing mortgage loan insurance, which accord with the situation of china, based on the domestic conditions and overseas experience. especially the housing mortgage loan insurance of government credit guarantee - bonding system is primarily discussed to build
在本文中，筆者通過分析這些現狀以及借鑒國外經驗，試圖探索如何構建符合我國國情並切實可行的住房抵押貸款保險體系，特別是對政策性住房抵押貸款保險? ?擔保制度的建立進行了初步探討。 -
There are a lot of problems in the existing housing mortgage loan insurance in china
在我國現有的住房抵押貸款保險業務中，存在許多問題。 -
The third part is a research on designing the system of housing mortgage loan insurance in china
第三部分是關于對我國住房抵押貸款保險體系設計的探索。 -
The following four sections are included in this thesis to discuss how to build the system of housing mortgage loan insurance
本文分為四個部分，對構建住房抵押貸款保險體系進行探討。 -
First, the concept of housing mortgage loan insurance is given, and three kinds of housing mortgage loan insurance are categorized to clarify its meaning
第二部分從兩個方面對美國、加拿大、法國和英國的住房抵押貸款保險體系進行介紹和分析。 -
To reduce the risk of housing mortgage loan, the author proposes that it is imperative to perfect housing mortgage loan insurance and to build a system of housing mortgage loan insurance
筆者認為，完善住房抵押貸款保險，並構建住房抵押貸款保險體系，是化解住房抵押貸款風險勢在必行的措施。 -
However, there are still some inevitable risks. because of its risk transfer and loss compensation functions, residential mortgage loan insurance can prevent the risks of residential mortgage loan to a certain extent, so its importance has been revealed gradually
個人住房抵押貸款保險因其風險轉移和損失賠償機制在一定程度上可以防範和化解個人住房抵押貸款風險，其重要性隨著個人住房抵押貸款業務的發展逐漸為國內各大金融機構（包括保險公司）所認識。
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