long-term mortgage 中文意思是什麼
long-term mortgage
解釋
長期抵押貸款-
The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items
儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。 -
" american express bank has been very supportive of hkmc s initiatives to help develop the local secondary mortgage market. this transaction is especially remarkable as it marks the largest amount of mortgage loan sales ever made by authorized institutions in hong kong, and represents our long - term commitment in developing our mortgage business here, " said mr alan tsang, senior country executive for hong kong, american express bank
美國運通銀行香港區行政總裁曾慶?說:美國運通銀行一向十分支持香港按揭證券有限公司致力協助發展本地二手按揭市場，是次交易有重大意義，因為這是由本港認可金融機構作出目前最大額的按揭貸款銷售，象徵美國運通銀行發展香港按揭業務的長遠承諾。 -
On the basis of the above analysis, the essay further discusses a special property right, that is, the property right of enterprise ' s human capital. after generally analyses of the human capital and of its common characteristics ( i. e. investment body ' s versatility and human capital bringer ' s oneness, long - term accumulation quality, the composing substance ' s singularity quality, income ' s increasing " quality, possible mortgage quality, scarce quality ), it expounds enterprise ' s human capital property right ' s basic meaning, characteristics ( i. e. the contradiction between human capital bringers and other ownerships, the influence of human capital bringer ' s subjective will to human capital property right, the difficulties of human capital property right ' s division and benefit ' s distribution ) and related features in public - owned enterprises ( i. e
在對人力資本及其一般特點（投資主體的多元性與人力資本攜帶者的單一性、長期累積性、構成內容的異質性、收益遞增性、可抵押性、稀缺性等）的一般分析之後，進一步研究了企業人力資本產權的基本含義、基本特點（人力資本攜帶者與其他所有者的矛盾、人力資本攜帶者的主觀意志對人力資本產權關系的影響、人力資本產權分割以及利益分配上的困難等）及公有制企業人力資本產權的相關特徵（法權的和事實的產權不相一致、企業分配難以體現人力資本產權的收益） ，指出了傳統企業治理模式中存在的不足? ?忽視人力資本產權。 -
From a long - term point of view, her choice is to strengthen a financing system of american style, whose characteristic is the first and secondary mortgage markets, to remold and normalize the accumulation fund system, and to support and encourage housing cooperation financing, eventually to transform the existing real estate finance organization system to a " one - body - two - wings " type, which has the market finance as its main component and the policy finance and cooperation finance as its supporting parts
我國目前正處于多種房地產金融模式互相交叉共同發展的時期，從長遠看，我國的選擇應該是大力發展美國式的一、二級市場聯動的抵押貸款融資體系，改造和規范公積金制度，支持和鼓勵住房合作金融體系，最終形成「一體兩翼」式的，以市場金融為主，政策性金融與合作金融為輔的房地產金融系統。 -
Short - term greed leads to long - term economic and environmental grief ; don ' t deplete earth ' s natural capital and mortgage the future ( don ' t - live - off - earth - capital principle )
短期的貪婪，將導致長期的經濟上、環境上的悔恨。不要耗盡地球的自然資產，抵押掉子孫的未來。 -
In order to solve the problem that people cannot offer to purchase house, banks or other financial institutions provide personal housing consumption loan. due to the personal housing consumption loan taking the purchased house as mortgage, it is also called personal housing mortgage loan. such loan of large sum and long term is the important parts of consumption loan
個人住房貸款是銀行或其他金融機構為解決消費者購房時資金不足問題而向消費者發放的貸款，通常以所購住房為抵押品，一般具有金額大、期限長的特點，是消費信貸的重要組成部分。
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