押金制度 的英文怎麼說

中文拼音 [yājīnzhìdù]
押金制度 英文
deposit-refund system
  • 押 : Ⅰ動詞1 （把財物交給對方作為保證） give as security; mortgage; pawn; pledge 2 （扣留） detain; tak...
  • 金 : Ⅰ名詞1 （金屬） metals 2 （錢） money 3 （古時金屬制的打擊樂器） ancient metal percussion instrum...
  • 制 : Ⅰ動詞1 （製造） make; manufacture 2 （擬訂; 規定） draw up; establish 3 （用強力約束; 限定; 管束...
  • 度 : 度動詞[書面語] （推測; 估計） surmise; estimate
  • 押金 : cash pledge; deposit; security; margin; cash deposit as collateral; guarantee deposit; antecedent...
  1. 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。
  2. Basing on the analysis of development of housing industry and housing fiance, we discussed the nessesary and practical obstacle, and raised : our country has not the conditions for cosmically developing the mbs now, the most important assigment preseantly is to creative conditions. and then combined with the situations of our country, we raised the countermeasures and suggestions

    在分析我國住宅業及住宅金融業發展狀況的基礎上，論述了我國實施住房抵押貸款證券化的必要性及現實障礙，並提出：我國目前還不具備大規模開展住房抵押貸款證券化的條件，更主要的任務是為住房抵押貸款證券化創造各種市場條件和制度條件。
  3. And the system efficiently separates the business of mortgage lending from the ultimate investors ? such as pension funds and insurers ? who supply the funds by purchasing the mortgage - backed bonds

    該制度也有效地區隔了房產抵押貸款業務和購買抵押貸款支持債券的最終投資者- - - -比如養老基金和保險公司。
  4. And these measure are : first stringing then management of work - effect, reducing the rate of fixed salary, combining prize distribution with the work - effect ; second system of standard work - hour that carried out on workers who work in product ion, technical staff setting up technical key task subject, enlarging risk mortgage on managers, year salary for managers ; third floating salary for worker, establishing special training prize fund, flexible management of work - hour, establishing such encouraging system as worker ' s holiday with salary

    在分配機制上降低固定工資的比重，獎金分配與效益直接掛鉤；第二，在考核制度上，在加大對各部門總體經濟指標的考核力度的同時，對職工個人的績效考核力度也逐步加大；第三，在激勵手段上，一線職工實行標準工時考核制度，技術人員設立技術攻關課題，加大管理人員風險抵押，經營者試行年薪制，職工崗位工資浮動管理，設立專項培訓獎勵基金，作息時間彈性管理，建立職工帶薪休假制度等具體激勵措施。
  5. Through comparing and researching the international housing finance pattern and considering china ' s reality, the article puts forward that china should select the housing finance pattern that housing securitization is the principal part, and housing provident fund and housing deposit develop together. mortgage bank bonds is an important and new - type housing securitization

    本文通過對國際住房金融融資模式進行比較研究，結合我國國情，提出我國應構建「以住房證券化為主體，住房公積金制度和住房儲蓄制度并行發展」一體兩翼的住房金融融資模式，抵押銀行債券作為住宅金融住房證券化創新的重要品種。
  6. Based on the reflections to the defects in our country ' s procedural system, this paper made legislative proposals on the establishment and perfection, by discussing the systems of recognition of foreign criminal judgments, of criminal trial by default, of freezing, detention and confiscation, of protection to bona fides third party, of fund for redemanding foreign assets and of cost compensation and benefit sharing

    建立和完善我國訴訟制度中的承認外國刑事裁判制度、刑事缺席審判制度、凍結、扣押、沒收制度、保護善意第三人制度、海外資產追討基金制度、費用補償和利益分享制度等，則是完善這一機制的重要措施和環節。
  7. As a kind of security, the establishment of floating charge can ensure the transaction, safeguard the fair and improve the use of property

    浮動抵押制度作為一種擔保方式具有維護交易安全，保障交易公平.等傳統的擔保價值，同時還具有發揮物的效用，融通資金等新型的擔保價值。
  8. 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。
  9. The laws and rules that govern the mortgage - backed security market should be enhanced to protect investors, hence, lead to a sound capital market

    本文結合我國住房抵押貨款證券化的金融生態環境，探討了投資者面臨的假按揭風險、抵押物處置風險和房貸險等法律問題，提出了完善相關法律金融制度的建議。
  10. 3. feasibility analysis of mbs the paper introduces and explains the theory of mbs and analysis the feasibility of mbs in china from many aspects, such as system, laws, financial environment, the situation of housing markets, macroeconomic effect, etc. the reform of land - using system provides mbs system pre - requisite ; the interrelated laws offer the law guarantee for mbs ; the issue of " security act " indicates that the security market of china is being normalized, and the developing prospect of finance in china brings mbs effective support ; the dilemma between the surplus and the shortage of commercial housing gives mbs an important turning point ; the macroeconomic effect of mbs is that it accelerates the economy, reduces the pressure of currency inflation, dissolves the operating risks of finance organs and makes the finance system operate steadily

    三、我國住房抵押證券化的可行性分析本文從住房抵押貨款證券化（ mbs ）的理論分析入手，結合我國住房抵押貸款的發展狀況，分別從制度、法律保障、金融環境、住房市場現狀、宏觀經濟效應等幾方面論述了mbs在我國的可行性：土地使用制度改革為實施mbs提供了制度前提；配套法律制度為實施mbs提供了法律保障； 《證券法》的正式出臺，標志著我國證券市場走向規范，我國良好的金融業發展前景為mbs提供了有效的支持；現階段住房市場的有效供給與有效需求雙重約束的矛盾存在，為證券化實施提供了重要契機； mbs的宏觀經濟效應在於拉動國內需求，促進經濟增長，減輕通貨膨脹壓力，化解金融機構經營風險，保持金融體系穩定運行。
  11. Compared to the american incentive mechanism model, there are many flaws in the soe operator ' s annual salary system of china

    二是與國外年薪制相比，我國的經營者年薪制沒有建立相應的考核制度和抵押金制度，缺乏風險責任意識。
  12. At first, this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system, and established the system of personal credit evaluate ; the second, the thesis discusses the investment technique and strategy of national debt in the provident fund, and established the model about how to invest the national debt ; the third, the thesis build the forecast model about fund collecting and drawing, and make use of the combination invest theories to build model of individual loan and national debt ; at last, the thesis analyses the risk ' s inside reason of house funds with the risk type, and to give out the related suggestion to funds risk. mechanism. the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds

    本文首先分析了個人住房貸款制度基本要素，即貸款期限、貸款利率與抵押物價值的比例、政府在個人住房貸款市場中的作用、貸款違約情況下的處置措施、個人住房貸款的流動性問題，並對中外製度作了比較，建立了個人信用評分評級體系和信用評估模型，並以重慶市住房公積金為研究對象做出了住房資金個貸風險評估的實證研究；其次，分析了影響國債價格走勢的因素，討論了公積金國債的投資技巧和策略，並建立了基於理論的國債投資組合模型；接下來，根據資產負債管理理論中的資金總庫法和資金分配法分析了公積金總體資金項目的來源和運用，並就此作了總量平衡模型，對住房公積金季度累計歸集金額作了直線回歸和季節趨勢比率預測，運用投資組合理論建立了公積金個人貸款和國債投資組合的最優化模型；最後，探析了住房資金風險的內在原因和風險類型，從資金籌集風險、信貸回歸風險、保險機制、法律風險和政策風險五個方面為住房資金風險防範機制建設提出了相關建議。
  13. In the environment of market economy, the economic lever should be taken to carry out the internalization of accident loss, including the increase of compensation, drawing pledge for work safety, enforcing penalty or forfeit, fluctuating the premium rate, implementing injury leave with wages, and implementing strictly the market entry and exit mechanism

    市場經濟條件下，安全損失內部化須藉助經濟杠桿的調節作用，通過提高賠償額度、提取安全生產抵押金、制裁或罰款、浮動保險費率、帶薪工傷病假以及市場進退機制等手段，加大安全損失內部化力度。
  14. It indicates and also analyzes the problems of housing demand, credit capital supply and exertion, management system, risk keeping away mechanism, price forming mechanism, mortgage mechanism, market environment, lag of rules and laws and disposing of mortgage goods, ( chapter 3 ) part 4, the study of market system and government system of personal purchase mortgage on the precondition of monetary housing distribution analyze the foundations of market and government during this process and the problem of market disorder and government defection

    指出了目前我國個人購房抵押貸款運行中的住房需求、信貸資金供給和運用，經營管理體制、風險防範機制、價格形成機制、抵押機制、市場環境、法規滯后、以及抵押物的評估和處置上存在許多問題並對此進行了深入地分析與探討。 （第三章）第四，對住房分配製度轉變過程中個人購房抵押貸款的市場機制與政府機制研究。分析市場與政府在個人住房抵押貸款中的作用及其市場失靈、政府缺陷的問題。
  15. As for the residential finance policy, government should function as the subject to set up the residential security system and should reinforce the reform of the residential finance, in addition to mortgage accumulation fund loans, the government should found low - rate or rate - free loans for those families with low or medium income, set up risk security mechanism for the policy - related residential mortgage loans to provide them with loan guaranty

    在住房金融政策方面，政府理應成為構建住房保障體系的主體。政府應進一步深化政策性住房金融改革，除住房公積金貸款以外，應建立直接面向中低收入家庭發放的低息或無息貸款，建立政策性住房抵押貸款風險擔保機制，為低收入家庭貸款提供擔保，增強其購房能力，促進住房保障制度的順利構建。
  16. The design adopts bravely some advanced operation methods in compensation management, such as h - type job evaluation, and proposes or perfects creatively some rules in compensation operation, such as annual pay for managers and the principle of personnel risk mortgage

    在設計中，大膽採用了一些薪酬管理的先進操作方法，如工作評價的海氏評價法，創新性地提出或完善了一些薪酬操作制度，如管理人員的年薪制、全員風險抵押金制度等等。
  17. These proposals are shown here, to make the mortgage loan styles more suitable and more diverse. to develop mortgage loans insurance market greatly ; to implement housing mortgage - backed securities ( mbs ) at the right time : to reform the current housing residual fund systems

    主要有完善並創新住房抵押貸款方式:大力發展擔保保險中介機構，構築住房消費貸款的風險防範和分散體系:適時推進住房抵押貸款證券化;改革當前的住房公積金制度等。
  18. 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。
  19. According to present situation of mining safety in coal mines in gina, new measures are suggested, i. e. to reinforce the capital management in coal mines, to implement compensated utilization system of coal resources, to establish preferable taxation policy, to strengthen occupational injury insurance system, to raise the standard of pension for the disabled or for the family of the deceased, to pursue risk security system for the employer and to reform the safety training system in coal mines

    筆者結合我國煤礦安全生產的實際狀況，從加強煤礦企業資本管理制度、實行煤炭資源有償使用制度、建立稅收優惠政策、強化煤礦安全保險制度、提高職工傷亡撫恤標準、推行煤礦負責人安全風險抵押金制度和實施煤炭行業人才培養體系改革等方面，提出了煤礦安全生產長效機制建設的新舉措。
  20. Hong kong has a real estate finance mode characterized of finance industry interweaving and co - developing with real estate industry, real estate mortgage loans and securitization. singapore has one that is outstanding with its accumulation fund system, also active participating of banks in real estate industry. and the u. s. has one that the first and secondary mortgage markets are both highly developed, with abundanc e of real estate mortgage tools, among which the most widely used is adjustable - rate mortgages ( arm )

    香港房地產金融的顯著特點是金融業與房地產業的融合發展、房地產抵押貸款，以及房地產證券化；新加坡的房地產金融獨具特色的是公積金制度以及銀行積極參與房地產業務；美國的房地產金融的基本特點則是發達的一、二級市場聯動的抵押貸款市場，擁有多種房地產抵押工具，其中應用最為廣泛的是可變利率抵押貸款（ arm ） 。
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