證實抵押 的英文怎麼說

中文拼音 [zhèngshídǐyā]
證實抵押 英文
certified mortgage
  • 證 : Ⅰ動詞（證明） prove; verify; demonstrate Ⅱ名詞1 （證據） evidence; proof; testimony; witness 2 （...
  • 實 : Ⅰ形容詞1 （內部完全填滿 沒有空隙） solid 2 （真實; 實在） true; real; honest Ⅱ名詞1 （實際; 事實...
  • 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...
  • 證實 : 1 （證明其確實） authenticate; corroborate; affirm; demonstrate; confirm; verify 2 [數學] verific...
  • 抵押 : mortgage; hold in pledge; hypothecate; pledge; impawn; collateralize; collateral; pawn
  1. Now the theories of scholars are mainly focus on the nature of warrantee insurance. they compared insurance with guaranty and then confirmed the latter one with the relationship of the subjects, the realization of mortgage and the application law of warrantee insurance

    目前，學者對這一問題的探討多集中在保證保險的性質，就保證與保險進行平行對比，以當事人的關系、抵押權的實現、法律適用等為理由，確定其保證或者保險屬性。
  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. Now there is a large body of academic and industry research on the establishment of mortgage - backed securities ( mbs ) market, much of which involves introduction of various types of mbs such as mortgage pass - through securities ( mpts ), mortgage pay - through bonds ( mptbs ), mortgage - backed bonds ( mbbs ), collateralized mortgage obligations ( cmos ) and so on

    目前，學術界和本行業實踐者們對我國發展mbs市場這一課題進行了廣泛的研究，其中，很大一部分研究是圍繞住房抵押貸款支持證券的品種設計展開的，這些品種包括過手證券、轉付證券、抵押貸款支持債券以及抵押擔保證券（ cmos ）等。
  4. The government and the banking circles hope to raise the efficiency of the housing financing regime, improve the banks " asset quality and to diversify the risk, so as to promote the development of real. it is necessary and workable to applying the mortgage - backed securities to propel housing innovation, although what we are should be attention to the necessary mortgage environment and it ' s policy are not completely fostered

    由銀行等機構作為項目發起人，首先要分析自身對抵押貸款證券化的融資要求，然後通過對現有信貸資產進行清理、估算和核查，選擇一定數量的房地產抵押貸款作為證券化目標，並從資產負債表中剝離出來，將這些資產匯集組建資產池（即資產組合） ，作為證券化的基礎資產； （ 2 ）出售貸款組合，即「真實出售」 。
  5. Ask the bargainor provides reserved copy of lawful property right certificate above all, the authenticity that inquires property right card to room canal branch next and place buy origin of house property property right and property right record : include the house - owner, date that register, clinch a deal the price ; still need to affirm the integrality of bargainor property right in addition, what understanding buys a room to have mortgage, include furtive guaranty and mutual person to wait

    首先要求賣方提供合法的產權證書正本，然後到房管部門查詢產權證的真實性以及所購房產產權來源和產權記錄：包括房主、登記日期、成交價格等；此外還需要確認賣方產權的完整性，了解所購房有沒有抵押，包括私下抵押以及共有人等。
  6. 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。
  7. 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。
  8. And then, based on the feature of the guarantee legal system, present value trend of jus rerem and the study about the expecting right ' s theory, this essay suggest that the equitable mortgage in mainland china should be changed and absorbed into the hypotheca law system, and explain the rationality and necessity of the suggestion. after that, this essay also suggests to improve the rules and regulations about the equitable mortgage in mainland china by refering to hong kong ' s successful experiences about it. finally, this essay intends to set up an outline of law system for the equitable mortgage in mainland china so as to make it ruled by law

    在此基礎上，結合我國擔保法律制度的特點和物權法的現代價值取向，以及有關期待權的理論研究成果，提出將內地實踐中的樓花按揭納入物權法中抵押權法律制度的立法設想，並論證其合理性和必要性，同時還建議借鑒香港地區的成功經驗完善內地有關樓花按揭的管理法規，初步建立起一個樓花按揭法律保障體系，最終將樓花按揭行為納入法治軌道。
  9. The thesis is based on the developed countries the theoretic and practical experiences and considers the practice of our country. the article points out that mortgage bank bonds is the practical select of carrying out housing securitization in china, expounds the possibility and significance of implementing mortgage bank bonds and raises operating plan

    本文以發達國家的理論與實踐經驗為基礎，同時立足我國實際，指出抵押銀行債券是我國目前實施住房證券化的現實選擇，論證了抵押銀行債券在我國實施的必要性和現實意義，提出我國實施住房抵押銀行債券的操作方案。
  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. This section begins with the analysis of the cash flow of the two most elementary products - mortgage pass through securities ( mpt ) and collateralized mortgage obligations ( cmo ), and describes the difference between the function mechanism and the ability of resisting risk. then, based on the above analysis, this article tries to invent an new cmo product which goes by the name of adjustable amortization mortgage ( aam ) and can effectively counteract the extension risk when interest rate goes up. at the same time, this article also indicate some problem which should pay special attention to in practical application and put forward some corresponding market promotion strategy

    本章首先通過對兩種最基本的抵押證券? ?抵押貸款傳遞證券（ mpt ）和抵押擔保證券（ cmo ）現金流量變化的分析，研究其運行機制和防禦風險的功能差異，接著在以上分析的基礎上，文章嘗試提出了一種能夠有效化解利率上升環境中延期風險的新型證券品種? ?可調整分期付款額的抵押擔保證券（ adjustableamortizationmortgage ，簡稱為aam ）的設想，但同時也指出了這種抵押擔保證券在實際應用中應該特別注意之處，並提出了相應的市場推廣策略。
  12. This paper, using the experience of the typical nation and region about housing mortgage securitization, joining together the realistic condition in our country, putting forward the strategy of developing housing mortgage securitization in our country now. the article is divided into four parts : part one : introduce the related theories about the housing mortgage securitization, including the content of housing mortgage securitization, the participants, concrete operation procedure, the financial tool, and point out the realistic meaning that our country promote. part two : analyze the background and the motive that world housing mortgage securitization, choose the typical model nation and region such as the united states, canada, hong kong to proceed the comparison, and get some experiences and apocalypses from it

    文章分為四個部分：第一部分：首先對住房抵押貸款證券化的內涵、涉及的參與者、具體運作程序以及使用的金融工具等與住房抵押貸款證券化相關的理論進行了介紹，其中著重對抵押貸款傳遞證券、抵押貸款支持債券、抵押貸款轉付債券、抵押擔保證券等目前國外規模較大的四種住房抵押貸款證券進行了較詳細的介紹，然後指出我國目前推行住房抵押貸款證券化無論是從商業銀行和投資者等微觀主體的角度還是從住房產業和資本市場的發展等宏觀角度來看都具有非常重要的現實意義。
  13. This article is based on the principles of risk management and insurance. it insights into the interrelationship among risk, insurable interest and such important factors as insurance value in mortgage insurance, explains the asymmetry of risk assumed and relevant coverage, shows the brand new concept of ratio of real estate insurance value, argues the application of replacement less depreciation approach to the valuation of insurance value in mortgage insurance, and analyzes the valued policy and moral hazard in real estate insurance

    本文基於風險與保險基本原理和不動產估價原則，結合保險發達國家不動產保險實務和我國抵押貸款相關險種保單條款，深入剖析住房抵押貸款保險的風險、可保利益、保險價值等要素的內在聯系以及現行保險條款中風險與保險責任不對稱的原因，提出了不動產保險價值比率的全新概念，論證了住房抵押貸款的保險價值評估適用抵押房屋重置價值的觀點，並對不動產保險中定值保單和道德風險進行了探討。
  14. Section i mainly probes into the questions of the conception, nature, characteristics of the mortgage and the classification and variety of mortgage as well. while in section ii, the paper particularly analyzes the questions of the acquiring approach of mortgage, the parties to the mortgage contract, the target objects of mortgage contract, the prescription and content of mortgage contract, mortgage registration, the organizations of mortgage registration, the procedures of mortgage registration, etc. and section iii mainly illustrates the questions of the scope of creditor ' s rights of mortgage guarantee, the scope of target objects connected with the effect of mortgage, the party ' s rights and obligations in mortgage affairs ; the relationship between mortgage and guarantee, the conflicts between mortgage and other real rights granted by way of security

    第一部分主要就抵押權及抵押的概念、性質、特徵、抵押權的分類、種類等問題進行了探討；第二部分著重分析了抵押權的獲得方式、抵押合同的當事人、抵押合同的標的物、抵押合同的訂立、內容，抵押登記、抵押登記機關、抵押登記程序；第三部分闡述了抵押擔保的債權的范圍，抵押權效力所及的標的物的范圍，抵押關系中當事人的權利義務，抵押與保證的關系，抵押權與其他擔保物權的競合，抵押權的處分；第四部分探討了抵押權的實現條件，抵押權的實現途徑，抵押權的實現方式，抵押權實現的限制，抵押權的次序，抵押權的消滅；第五部分重點研究了權利抵押權、最高額抵押權中的若干問題。
  15. 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。
  16. Practicing this regime requires certain pre - conditions such as the scale of mortgage loans, a brisk stock market, a huge group of investors as well as a number of intermediary service institutions including credit rating corporations, insurance companies, law firms and accounting firms. in china, the securitization of housing - mortgaged loans has become heatedly discused topic recently. in our country, initiate innovations are needed for the market potentiality of real estate, explosive expand in house requirement, further improvement in house market and to develop and reinforce the housing finance, and so mortgage - backed securities provided a ideal tool for resolving the problem for those

    所謂房地產抵押貸款證券化，就是將房地產抵押貸款債權轉化為房地產抵押證券的過程，具體而言，也就是金融機構將其持有的若干房地產抵押貸款依其期限、利率、還款方式進行匯集重組，形成一系列房地產抵押貸款資產池（資產組合） ，再將該組合出售給從事抵押貸款證券化業務的特殊目的機構（ spv ） ，通過擔保機構擔保實現信用升級后，經信用評級機構評級，由證券承銷商將信用級別較高（通常為aaa或aa級）的抵押貸款支持債券出售給投資者的一種證券化模式。
  17. The repledging limit applies when an intermediary or an associated entity of such intermediary repledges securities collateral of the intermediary

    凡中介人或該中介人的有聯系實體再質押該中介人的證券抵押品，該再質押上限即適用。
  18. Chapter i initially sets forth the conception and characteristic of mbs, and the development history of asset securitization. as to the application of asset securitization in china, this article studies how to choose suitable assets

    第一章首先闡述了住房抵押貸款證券化的涵義、特點和資產證券化發展歷史，進一步研究我國資產證券化的資產選擇，最後闡明mbs對我國的現實意義。
  19. Securities and futures contract notes, statements of account and receipts amendment rules 2006 the amendment rules amend the principal rules to impose additional disclosure requirements in monthly client statements on any intermediary which is licensed for securities margin financing or dealing in securities where such intermediary or an associated entity of such intermediary has repledged securities collateral

    2006年證券及期貨成交單據戶口結單及收據修訂規則修訂規則修訂主體規則，以規定凡獲發牌進行證券保證金融資或證券交易的中介人或該中介人的有聯系實體再質押證券抵押品，即須對該中介人施加在客戶月結單內作出額外披露的規定。
  20. Under the present conditions. the foundation of carrying out mbs in china is still quite frail and to bring mbs to practice in a large scale is beyond the means. besides, although there is potential requirement for mbs, it is actually not obviously urgent. to enlarge the source of capital in fundamental market and to stir the need of housing are regarded as the reasons for adopting mbs. this paper is intened to comment on it and in the mean time to research into the marketing situation and the institutional situation by using the successful experiences of american and western countries for inference, so as to put forward the opinion that the main task of china ' s carrying out mbs is to create favorable marketing and institutional conditions for them and. to improve responding marketing system to foster the exterior environment for the implementation of mbs so as to enable the institutional law system, instead of the non - institutional administrative support, to ensure the success of carrying mbs into execution

    在目前條件下，中國推行住房抵押貸款證券化的基礎還十分脆弱，基本上不具備大規模開展住房抵押貸款證券化的條件，雖然有進行住房抵押貸款證券化的潛在要求，但就其緊迫性而言並不十分突出。擴大抵押貸款一級市場資金來源與提高住房市場有效需求被認為是在我國實行住房抵押貸款證券化的重要依據。本文主旨是對我國實施住房抵押貸款證券化進行研究，主要思路是結合我國國情，同時借鑒美國及西方一些發達國家的成功經驗，就實施住房抵押貸款證券化所需具備的市場條件和制度條件進行探討，提出當前我國實行住房抵押貸款證券化的主要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，完善相應的市場制度以培育實施資產證券化所需要的外部條件，讓制度性的法規體系而不是非制度性的行政支持來確保我國資產證券化市場的逐步形成和健康發展。
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