流動抵押金 的英文怎麼說
中文拼音 [liúdòngdǐyājīn]
流動抵押金
英文
floating charge- 流 : Ⅰ動1 (液體移動; 流動) flow 2 (移動不定) drift; move; wander 3 (流傳; 傳播) spread 4 (向壞...
- 抵 : 動詞[書面語]1. (拍) strike2. (打擊) beat3. (拋擲) throw
- 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...
- 流動 : 1. (液體或氣體移動) flow; run; circulate 2. (經常變換位置) going from place to place; on the move; mobile
- 押金 : cash pledge; deposit; security; margin; cash deposit as collateral; guarantee deposit; antecedent...
-
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。The hong kong monetary authority hkma announced today that the ratings of fitch ibca inc. fitch ibca are recognized by the hkma in assessing the eligibility of hk denominated debt issues as repo securities for discounting under the liquidity adjustment facility with immediate effect
香港金融管理局金管局今日宣布,金管局在評定港元債券是否可用作在流動資金調節機制下進行貼現的合資格回購協議抵押品方面,承認fitch ibca inc . fitch ibca給予的信貸評級。Chapter three analyses the suitable pricing model of our country ' s mbs, and by studying secular trend and fluctuation of risk free interest rate and the term structure of interest rate of national debt, i propose an option model based on floating interest rate mbs which will be issued in our country. next, cash flow current value method is used to carry out the empirical test
第三章分析了適合我國住房抵押支持證券的定價模型,通過研究我國無風險利率長期趨勢值、波動性以及國債利率期限結構,提出我國發行浮動利率抵押支持證券的期權定價模型,並應用現金流現值定價法對我國發行固定利率住房抵押傳遞證券的定價進行實例分析。These are specialist funds, kept separate from their parent company ' s balance sheet, that invest in illiquid assets, such as securities backed by subprime mortgages
這種特別基金的資產負債表與母公司相分離,投資于低流動性資產,諸如次級抵押擔保債券。Banks can obtain interest - free intraday liquidity through intraday repo using exchange fund bills notes
銀行可利用外匯基金票據債券作為即日回購協議的抵押品,以獲取免息即日流動資金。Intraday liquidity provided through highly automated intraday repo facility using exchange fund bills and notes
銀行可憑外匯基金票據及債券作為抵押,然後透過高度自動化的即日回購協議機制獲取即日流動資金;While no daylight overdraft is allowed, banks can obtain intraday liquidity through intraday repurchase repo with the hkma, using mainly government paper, e. g. exchange fund bills and notes ; and
銀行不得進行日間透支,但可用政府債券即外匯基金票據及債券作為與金管局訂立即日回購協議的抵押品透過以獲取即日流動資金及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。The last one is to increase the security and liquidity of housing financing, and to reduce the risk and improve the efficiency. the secondary mortgage market must be established
最後,要提高住房資金的安全性和流動性,降低風險、提高效率,還需建立住房抵押二級市場,推行住房抵押證券化。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。Banks could obtain liquidity assistance from the hkma at the prescribed offer rate through a sale and repurchase agreement involving eligible securities
透過流動資金調節機制,銀行可藉訂立回購協議,以合資格抵押品按指定拆出息率向金管局借入流動資金。This was replaced in september 1998 by the discount window arrangement under which banks have unrestricted access to day - end liquidity through repurchase agreements using exchange fund bills and notes as collateral
一九九八年九月,該機制由貼現窗取代,銀行從此可不受限制通過以外匯基金票據及債券作為抵押品的回購協議,獲取日終流動資金。The base rate is the interest rate that we charge licensed banks when they come to the discount window operated by us, with exchange fund paper, at the end of the day when they find themselves short of liquidity
日終結算時,有需要的銀行可憑外匯基金票據及債券作為抵押,向貼現窗借取流動資金以作周轉。換言之,基本利率才是名符其實的本港利率指標。Banks find that the collateral which they are holding against loans is depreciating. businesses find that real assets are worth less and cash flow may be slowing, but debts remain the same even though the interest cost of serving them may fall
業主發覺他們成為負資產一族,銀行發覺貸款抵押品不斷貶值,企業發覺有形資產價值下降現金流量放慢,但負債則沒有變動即使利息成本可能有所減少。Now, with our secured overdraft facility, you can turn your assets into ready cash. in fact, time deposits, mutual funds and capital protected structured deposits with us can now act to secure a hong kong dollar overdraft which can serve as standby cash to enhance your financial flexibility
現在,無論是擁有本行之定期存款互惠基金或保本投資存款,均可作抵押轉化為港元備用透支額,讓您擁有更充裕的流動資金,全面滿足您的理財需要。It will increase the amount of hkd liquidity that can be obtained by licensed banks through the discount window by temporarily removing existing restrictions and the hkma accepting a wider range of debt securities as eligible collateral
擴大貼現窗的操作,暫時撤銷現時對貼現窗的若干限制。同時,金管局會接納更多債務證券為合資格抵押品,使持牌銀行可以透過貼現窗獲取更多的港元流動資金:Mortgage securitization is the headspring of the energy of real estate industry. from the evolution of mortgage securitization in hongkong and some foreign countries, mortgage securitization is almost the only financing approach for people to realize their housing dream. mbs has improved the liquidity of mortgage loans, broken capital ' s area limit and machine limit and otherwise
住房抵押貸款是住房業活力的源泉,國內外的實踐證明,住房抵押貸款幾乎是居民實現購房夢的唯一融資途徑,而住房抵押貸款證券化通過將巨額的抵押貸款流動化和打破資金地區限制、機構限制等為住房抵押貸款提供堅強的後盾。Auto finance can improve the efficiency of auto production, service and capital utilization. currently there is only less than 20 % of chinese car buyers are buying on credit comparing with over 70 % in those developed market
汽車金融服務是在汽車的生產、流通與消費環節中融通資金的金融活動,主要包括資金籌集、信貸運用、抵押貼現、證券發行與交易以及相關保險、投資活動,它是汽車業與金融業相互滲透的必然結果。From a micro - view in personal housing mortgage loan, the bank faces or will face the shortage and singleness of the fund, risk concentration, small size, short term and bad liquidation and so on
從微觀上來看,目前銀行在個人住房抵押貸款問題上面臨或將要面臨資金來源不足、單一;風險集中;規模小、期限短;流動性差等困境。In 2004, abs and mbs rated deals totaling $ 1. 7 trillion dollars, which constituted over 7. 5 % of total fixed income market. in the one hand, with the dramatic growth of international commercial trading, foreign currency asset have grown significantly in recent years. beside the simple derivative tools like : option, future, swap, the more effective financial instrument is need to protect against investment risk for foreign currency asset
廣義上的資產支持證券包括的種類很多,現在美國大部份的缺乏流動性的金融資產都實現了證券化,這種新型的金融工具已經在國際金融市場上得到廣泛的應用, 2004年在美國的資產支持證券和住房貸款抵押支持證券交易總額已經達到3 . 4萬億美元,佔美國固定收益證券市場的份額為14 . 5 % 。分享友人