mortgage credit 中文意思是什麼
mortgage credit
解釋
抵押貸款-
The information asymmetry in loan of bank is that debit is more than credit about risk and income of debit, and so, debit does not carry out the mortgage of apprize according to the facts strictly, or credit can not get exactly information for other reasons, and then, the credit would be misadvise and can not make out exact decision - making
銀行借貨中的信息不對稱，是指借款人對其自身風險暴露、收益狀況等有關信息掌握的比貨款人更全面，而不嚴格履行如實告知義務，或者由於其他原因使貨款人無法獲得準確全面的信息，誤導貨款人，使貨款人無法做出準確決策。 -
The second section deals with the basic rights of exemption rights. it is held that hypothecation, mortgage, lien and preconsideration are entitled to exemption rights but not deposit. the third section deals with the issue of the exemption rights party ' s application right and credit declaration
第二部分別除權的基礎權利，文章認為，抵押權、質權、留置權、優先權可在破產法上享有別除權，而定金不適用別除權。 -
Banks may also choose to repackage part of their mortgage portfolios into back - to - back mortgage - backed securities with the hkmc providing a guarantee on timely repayment to remove the credit risk of the securitised portfolios
銀行亦可選擇將其部分按揭貸款組合重新包裝，成為背對背按揭證券，並由按揭證券公司提供按時還款擔保，以消除證券化組合的信貸風險。 -
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。 -
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。 -
In our country, the middle & small sized firms are confronted with more financing handicaps than the foreign small businesses are mainly in deficient credit with their assets, the fewer assets for mortgage and difficult in mortgage, oweing to underdevelopment of financial system, absence of credit grade evaluation, distortion of finance policy, bankrupt of some small businesses, and a series of problems
豐田、福特、微軟、科思等世界著名公司的發展，均以企業家在中小企業中的創業為發展的起點。在我國，由於金融體系不發達、商業銀行缺乏評估信貸價值的技術、政府金融政策存在扭曲、中小企業資信較差、倒閉比率較高等一系列問題，中小企業面臨著更多的融資困難。 -
Clive briault, the fsa ' s managing director for retail financial business, told a conference of mortgage lenders on december 4th that there was “ the very real prospect that conditions will worsen further into next year, in terms of both liquidity and credit risks ”
金融服務局管理零售業融資業務的董事經理克里夫.布里奧特在12月4日的按揭貸方會議上說： 「就流動性和信用風險來說，明年情況的進一步惡化預測是非常現實的。 -
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。 -
After years of [ color = red ] loose money [ / color ] in financial markets, some observers think the mortgage morass could cause investors to rethink their attitude to other forms of credit risk, such as high - yield bonds
一些觀察家認為，金融市場經過多年的頭寸松之後，房貸泥潭可能會使投資者重新思考他們對其他信用風險形式的態度，比如高收益債券。 -
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。 -
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。 -
Through investigation in shenzhen, we found that there are some problems in sme credit guarantee : banks are very strict with mortgage assets. only buildings and right of land use can be mortgaged, the other assets cannot be mortgaged for loan. sme have a little scope ; have small quantity assets and lack of valid fixed assets, which affect the mortgage and guarantee capacity for sme
通過對深圳市中小企業的調查發現，中小企業信用保證存在以下問題：銀行對抵押資產要求過于嚴格，要求企業以房地產、土地使用權等作抵押，其他資產無法辦理抵押貸款；中小企業規模小、資產數量少，企業缺乏有效的固定資產，從而影響了企業的抵押擔保能力；中小企業自身財務制度、信用建設不足；中小企業難以獲得外部機構或其他企業的擔保等。 -
The thesis explains the government ' s leading function in developing the mortgage bank bonds. the thesis points out that the government should set up financial laws and perfect the persona l credit, the guarantee and insurance market, train actively the non - personal investor and standardize the measures of the real - estate evaluating industry. the aim of the article is to provide the theoretical basis and operational guide for china ' s housing industry development using mortgage bank bonds
提出我國開展抵押銀行債券，政府應起到主導性作用，以及應建立和完善住宅金融運行的法律法規、完善個人信用規則、健全擔保保險市場、積極培養機構投資者、規范發展房地產評估業等對策措施，以期為我國住宅產業發展實施抵押銀行債券提供理論基礎和運作指南。 -
Major gauges erase most of the day ' s losses, as investors recover from mortgage, credit fears ; dow, nasdaq, s & p 500 stabilize after falling 10 % from 2007 highs
由於投資者從抵押信貸，信貸危機中緩醒過來，主要股指挽回了此前大部分的損失;道瓊斯，納斯達克，標準普爾500指數在繼2007年最高點下降10 %后已趨于穩定。 -
From the mortgage loan of real estate to the development of the market of consumer credit, from bank trade improvement management to enterprise, extend financing channels, show the advantage of asset securitization invariably
從房地產抵押貸款到消費信貸市場的發展，從銀行業改善經營管理到企業拓展融資渠道，無不顯示資產證券化的優勢。 -
There were a number of court cases in 2004 relating to bankruptcy, mortgage and letter - of - credit frauds committed against ais
2004年有多宗涉及針對認可機構的破產、按揭貸款及信用證騙案的法庭訴訟。 -
Mortgage, personal credit system and consuming credit
個人信用制度與消費信貸 -
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。 -
Thirdly, bringing about a new attitude on some issues : such as, mortgage securitization and securitization of mortgage credit, the idealism of fixed mortgage order and step - up mortgage order and the embodiment of the public faith of registered mortgage under the theory of the accessory character of mortgage etc., through systematical research on the issue of the independent character and accessory character of mortgage
（ 3 ）通過對抵押權附隨性和獨立性問題的系統研究，對抵押權證券化與抵押債權證券化、抵押權順位固定主義與順位遞進主義、抵押權附隨性理論下抵押登記公信力的體現等問題提出自己的看法。 -
The main source of the housing financial fund is the loans of the finance organization such as banks in china since a long period, finance channel is blocked, at present china lacks of the better collecting - money mechanism which suits for the rapid development of the housing produce and consume, housing mortgage credit lacks of risk transfer and scatter mechanism, which block the development of housing industry and housing finance
長期以來我國住宅金融資金主要來源於銀行等金融機構的貸款。融資渠道單一，缺少與住宅生產和消費快速發展相適應的良好籌資機制，住房抵押貸款缺乏風險轉移和分散機制，陰礙了住宅產業和住宅金融的發展。
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