housing credit 中文意思是什麼
housing credit
解釋
住宅信貸-
The commercial bank housing loan has the superiority in improving credit assets ’ quality comparing with other credit varieties, which is the basic reason that various commercial bank enlarges the investment in abundance at present, fighting for the housing market with all one ' s strength
商業銀行住房貸款在改善信貸資產質量和提高收益等方面與其他信貸品種相比，具有難以比擬的優勢，這是目前各家商業銀行紛紛加大投入、全力拚搶住房市場的基本原因。 -
The rapid development of the housing financial transaction with the commercial bank housing consumption credit as its representative greatly enhances the consumers ’ purchasing house payment ability, and housing consumption credit has been the major means to purchase their houses
從借款方、貸款方、開發商等外部環境分析了影響住房消費信貸的因素，包括居民收入因素、住房價格因素、貸款利率因素、貸款手續因素、消費意識因素、產品服務因素、政策環境因素等方面。 -
Financial institutions include banks, savings deposit agencies of postal office, housing saving banks, unban credit cooperative banks, rural credit cooperatives, urban credit banks, financial trust investment agencies and financial companies ect
注：金融機構包括人民銀行、政策性銀行、國有獨資商業銀行、郵政儲蓄機構、其他商業銀行、城市合作銀行、農村信用社、城市信用社、信託投資公司、租賃公司、財務公司等。 -
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。 -
Discussion on the rational development of commercial bank ' s housing credit business in china
對我國商業銀行理性發展住房信貸業務的探討 -
All of them increasingly limit the development of affordable decent housing. according to these mentioned problems, the paper analyses urban land use system, personal credit system and used housing market ; reconstructs a new supply system of affordable decent housing ; illustrates that only by improving related measures can affordable decent housing break through bottleneck and boom again
為解決上述問題，論文從城市用地制度、個人信用制度、住房二級市場和重構經濟適用住房的體系幾個方面做了闡述，指出只有配套措施的完善，經濟適用住房才能突破瓶徑，再次迎來其發展的春天。 -
More efforts are needed to improve the housing credit insurance system
完善住房置業擔保制度，進一步研究制定房貸保險制度。 -
During the 2001 recession in the us, the most important was housing credit
2001年美國經濟衰退期間，最重要的傳導渠道是房地產信貸。 -
Finally, some suggestions on standardizing housing credit market behavior are proposed
最後，對如何形成規范合理的住房信貸市場提出了幾點建議。 -
Great deal of substandard behavior still exists in the individual housing credit market, hence the behavior standarding amongst banks and individuals, the bounded rationality players, can be seen as asymmetric evolution game
摘要目前住房信貸市場存在大量不規范行為，為此將有限理性的銀行及個人的行為演化過程視為兩人非對稱進化博弈。 -
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。 -
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。 -
When the housing market began to slow, lenders pepped up the pace of sales by dramatically loosening credit standards, lending more against each property and cutting the need for documentation
當房產市場開始放慢腳步，放款機構通過戲劇性的放寬信用標準來刺激銷售的步伐，每處房產放寬更多，卻不需要證明文件。 -
However, once we take all - sided and impersonal view over the housing finance, we will definitely realize the conflict between the high speed and the low efficiency of it. in this paper, it ' s analyzed that there ' re five factors affecting the efficiency of housing finance, based on the basic situation of china as a developing country and according to some related theories of the western economics. the first one is the dual - track interest rate which presumes that price of housing credit financing is under the control of government to a certain extent, and the rest is open
因此，本文從我國作為一個發展中國家? ?這一基本國情出發，以西方經濟學中有關理論為依據，分析影響我國住房金融效率的因素主要包括：利率雙軌，即一部分住房信貸資金價格受到政府的管制，而另一部分住房信貸資金價格則是開放的；住房金融機構產權不清，特別是政策性住房金融機構產權不清而導致金融創新動力不足，金融工具品種單一，不能滿足居民需求多樣化的要求；住房信貸中由於較高的交易費用，而使內耗偏高、效率降低；住房金融機構不健全，既不存在真正的住房金融機構又缺乏相應的擔保機構；此外，住房金融中融資機制不完備，長期信貸資金來源不足與資產負債的期限結構不匹配也是影響住房金融效率的一個主要因素。 -
Analysts say during the housing boom when interest rates were low, borrowing by homeowners with little cash and poor credit more than tripled between the years 2000 and 2006
分析家稱，當利率很低時，房價就飛漲，缺乏現金和信用卡並抵押房屋的私房業主在2000年至2006年間翻了三倍 -
Spanish demand has been driven by housing and credit booms that are vulnerable to higher interest rates
國內經濟需求被面對利率上升將不堪一擊的住房和信貸潮推高。 -
By applying the evolution game theory and replicated dynamic equation, evolutionary game models of individual housing credit without restriction and evolutionary game models of individual housing credit with restriction are constructed
博弈雙方的得益是完全信息的，根據進化博弈理論和復制動態機制，建立了無約束條件下個人住房信貸進化博弈模型和有約束條件下的個人住房信貸進化博弈模型，並深入分析住房信貸市場的進化規律。 -
The second period was that consumer credit based on bank ' s credit. the third period was the fast developing penod after world war ii * then it analyzes the main conditions of the emergence and growth of consumer credit, such as the 1evel of economy, market condition, the idea of consumers, financial condition, 1egal and regulatory environment, etc. chapter four is a research on housing credit
信用消費的市場關系包括銀行和其他金融機構、零售商、各種中介機構以及政府等，銀行和零售商分別是信貸資金和商品（服務）的供給者，中介機構包括信用調查機構、擔保機構和保險公司等，政府對信用消費進行規范和管理，並制定政策促進信用消費發展。 -
The development of the market of mbs has not only enlarged the capital resource of housing credit, and reduced the purchasing cost of housing, but also improved the capital structure of the financial institution, build up the capability of resisting the financial risk and promoted the co - prosperity of housing and financing industry in the western developed country
房地產抵押貸款證券市場的發展，不僅擴大了住宅信貸的資金來源，降低居民購房的借貸成本，也改善了金融機構的資產結構，增強了抗風險能力，促進了西方發達國家住宅業與金融業的共同發展與繁榮。 -
At the fourth chapter, i compared the individual credit system between the center bank and shanghai credit limited company, and had a more explain to the complementary connections of the pcrs and pcbs by a private housing credit company case that has no background of government
徵信是市場經濟發展到一定階段的產物，聚焦舊中國徵信業發展歷史，主要體現在中國徵信所的興衰。以信息共享為主要任務和主要特徵的徵信產業是自然壟斷的，只要有一
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