貸款保險 的英文怎麼說

中文拼音 [dàikuǎnbǎoxiǎn]
貸款保險 英文
loan insurance
  • 貸 : loan
  • 款 : Ⅰ形容詞1 （誠懇） sincere 2 [書面語] （緩; 慢） leisurely; slow Ⅱ動詞1 （招待; 款待） receive wit...
  • 保 : Ⅰ動詞1 （保衛; 保護） defend; protect 2 （保持） keep; preserve; maintain in good condition 3 （...
  • 險 : Ⅰ名詞1 （險惡不容易通過的地方） a place difficult of access; narrow pass; defile 2 （危險） dange...
  • 貸款 : 1. （借錢給需要用錢者） provide [grant] a loan; make an advance to; extend credit to2. （貸給的款項） loan; credit
  1. However, with the impact of housing loan guarantee, and gradual opening of chinese financial market, renovating residential mortgage loan insurance is imperative under the situation. deep study is done on residential mortgage loan insurance by this thesis, and there are four sections : the first section expatiates background and significance of the study on residential mortgage loan insurance, makes a clean definition of this insurance, points out that precondition of residential mortgage loan insurance is existence of risks, and sets force functions of residential mortgage loan insurance

    在此背景下，本論文對個人住房抵押貸款保險進行了深入研究，全文分為四個部分：第一部分闡釋了個人住房抵押貸款保險研究的背景及其意義，指出風險的存在是個人住房抵押貸款保險存在的前提，對個人住房抵押貸款保險進行了定義，闡述了個人住房抵押貸款保險的基本職能及派生職能，並指出了住房置業擔保與個人住房抵押貸款保險之間的區別與聯系。
  2. The first part is a summary of housing mortgage loan insurance

    第一部分是對住房抵押貸款保險的概述。
  3. 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。
  4. The overinsurance in mortgage insurance is also a subject worthy of argument in real estate insurance

    抵押貸款保險中的超額保險現象，也是不動產保險值得探討的一個問題。
  5. In insurance business practice, the building insurance clause in mortgage insurance usually applies the real estate value to amount insured, wheras raplacement approach is applied to the indemnity, which causes overinsurance ? the amount insured is greater than insurance value. the excess amount is perfectly equal to the land value or a portion of land value, which prejudices the interest of the insured

    在保險實踐中，住房抵押貸款保險的房屋保險條款通常以不動產價值作為保險金額，而在保險補償時適用重置價值標準，導致保險金額總是大於保險價值的超額保險情況，超出的金額就是土地的價值或者土地價值的一個比例，這對被保險人是不利的。
  6. 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。
  7. The second section analyses effect of residential mortgage loan insurance from four different positions, such as positions of loan provider, housing buyer, etc. the third section sets force actuality of chinese residential mortgage loan insurance, finds out that there are only three categories now, and compares several provisions between products from different insurance companies in same categories

    第三部分闡述了個人住房抵押貸款保險的發展現狀，指出我國目前僅有抵押房地產財產損失保險、個人住房抵押貸款保證保險以及個人住房抵押貸款借款人人身保險這三個險種，並就保險責任條款、保險金額條款、保費計算及繳付方式條款等方面對這三類險種中的幾個不同保險產品進行了比較分析。
  8. There are five viewpoints as follows : firstly, the successful practice of personal housing mortgage loan requires consummate housing mortgage loan market system and participation of housing mortgage loan insurance guarantee agencies supported by government. secondly, it needs related rules and laws for guarantee thirdly, it should make varies ways of paying back to adjust to different families who has different incomes, hobbies and age structure. fourthly, the government should put more emphasis on the low and medium income families for their housing purchase loan

    即個人購房抵押貸款的成功運作需要有完善的住房抵押貸款市場體系和政府支持的購房抵押貸款保險擔保機構的參與；要有相關法規作保障；抵押貸款還貸方式的設定應靈活多樣，以適應不同收入、不同偏好、不同年齡家庭對抵押貸款的需求；政府應重點支持中低收入家庭購房貸款；個人購房抵押貸款不僅有賴于商業性金融機構的參與，而且也要有政府成立政策性住房金融的支持。
  9. Protection of consumer rights in housing loan insurance

    住房貸款保險中的消費者權益保護
  10. But with the unceasing development of the housing loan total quantity and with the character of expensive value, the deadline long, the poor liquidity, the strong policy - type, as well as the housing loan business development time is not long in our country at present, the housing loan insurance, two levels of markets growth will be seriously insufficient, the commercial banks lack the risk disperser and the shift mechanism situation, they will cause the housing loan risk to accumulate day by day in the commercial bank and appear gradually

    但隨著住房貸款總量的不斷增加和住房貸款本身數額大、期限長、流動性差、政策性強等特點，以及在我國目前住房貸款業務發展時間還不長，住房貸款保險、二級市場發育嚴重不足，商業銀行缺乏風險分散和轉移機制的情況下，使得住房貸款的風險在商業銀行中日益積累和逐步顯現出來。
  11. And now, in our country, residential mortgage loan insurance is only in the beginning of its development, far from mature. we can see that there are few insurance products and insurance liabilities, etc.

    但是，目前我國個人住房抵押貸款保險尚處于起步階段，落後于個人住房抵押貸款業務的發展，具體表現為險種和承保責任少、保費費率高、繳費方式不合理等。
  12. In this thesis, the author tries to explore how to build a feasible system of housing mortgage loan insurance, which accord with the situation of china, based on the domestic conditions and overseas experience. especially the housing mortgage loan insurance of government credit guarantee - bonding system is primarily discussed to build

    在本文中，筆者通過分析這些現狀以及借鑒國外經驗，試圖探索如何構建符合我國國情並切實可行的住房抵押貸款保險體系，特別是對政策性住房抵押貸款保險? ?擔保制度的建立進行了初步探討。
  13. There are a lot of problems in the existing housing mortgage loan insurance in china

    在我國現有的住房抵押貸款保險業務中，存在許多問題。
  14. The third part is a research on designing the system of housing mortgage loan insurance in china

    第三部分是關于對我國住房抵押貸款保險體系設計的探索。
  15. The following four sections are included in this thesis to discuss how to build the system of housing mortgage loan insurance

    本文分為四個部分，對構建住房抵押貸款保險體系進行探討。
  16. First, the concept of housing mortgage loan insurance is given, and three kinds of housing mortgage loan insurance are categorized to clarify its meaning

    第二部分從兩個方面對美國、加拿大、法國和英國的住房抵押貸款保險體系進行介紹和分析。
  17. To reduce the risk of housing mortgage loan, the author proposes that it is imperative to perfect housing mortgage loan insurance and to build a system of housing mortgage loan insurance

    筆者認為，完善住房抵押貸款保險，並構建住房抵押貸款保險體系，是化解住房抵押貸款風險勢在必行的措施。
  18. However, there are still some inevitable risks. because of its risk transfer and loss compensation functions, residential mortgage loan insurance can prevent the risks of residential mortgage loan to a certain extent, so its importance has been revealed gradually

    個人住房抵押貸款保險因其風險轉移和損失賠償機制在一定程度上可以防範和化解個人住房抵押貸款風險，其重要性隨著個人住房抵押貸款業務的發展逐漸為國內各大金融機構（包括保險公司）所認識。
  19. Under this circumstance, this thesis studies innovation in china ' s residential mortgage insurance programs in order to improve the healthy development of housing finance

    在這樣的背景下，本論文對我國住房抵押貸款保險進行了創新研究，以促進我國住房金融的健康發展。
  20. What " more, the writer tries to design a new warranty mode to protect our loan security of commercial banks, d ) to establish avoiding morality risk system

    除此之外我們還應該引進西方發達國家的逐漸成熟的擔保經驗，結合我國實際，引進信託擔保、貸款保險制度以及中小企業信用擔保制度，幽目. .
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