real estate credit 中文意思是什麼
real estate credit
解釋
不動產抵押信用-
The credit system analysis of real estate industry in china
我國房地產行業信用體系分析 -
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。 -
Structure financial instrument includes commercial mortgage - backed securities ( cmbs ), asset - backed securities ( abs ), real estate investment trusts ( reit ), and residential mortgage - backed securities ( cmbs ). according the research report of us, most of abs and mbs is floating interest rate, and credit rate is aaa and duration is short term. also, the structure of abs and mbs are different with different client requirement of cash flow
在美國金融市場上的結構化金融產品包括個人住房貸款抵押支持證券（ rmbs ） 、商業貸款抵押支持證券（ cmbs ） 、債務抵押債券（ cdo ）和資產支持證券（ abs ） ，而abs主要包括信用卡應收賬款支持證券（ creditcardabs ） 、汽車貸款支持證券（ autoabs ） 、學生貸款支持證券（ studentloanabs ）和家庭財產支持證券（ homeequityloanabs ）等。 -
The rational development of the development of real estate industry of new era are as follows : removal of obstacle of insurance capital ' s entry into real estate industry, increase of exchange rate elasticity and more foreign capital ' s entry into real estate market, improvement of inequilibrium between real estate ' s value increment and stock market, and the ensuring house supply through establishment of individual credit system
新時期房地產業步入理性發展的相關動力有：保險資金投資房地產業的政策障礙已掃除；匯率彈性增強，使外資更多地進入房地產市場；改變房地產增量與存量市場不平衡狀態；建立個人信用體系，加快保障性住房供應。 -
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。 -
The analysis on the real estate credit risk under the macro - control
宏觀調控下的房地產信貸風險控制分析 -
Regulators have also tightened bank credit by other means and imposed curbs on real estate investment in an effort to rein in excessive spending
管理者還採取其他措施緊縮銀根，控制固定資產投資，以期防止過度支出。 -
From the mortgage loan of real estate to the development of the market of consumer credit, from bank trade improvement management to enterprise, extend financing channels, show the advantage of asset securitization invariably
從房地產抵押貸款到消費信貸市場的發展，從銀行業改善經營管理到企業拓展融資渠道，無不顯示資產證券化的優勢。 -
Our country bank not good property origin is extremely complex, mainly has following several aspects the reason : ( 1 ) under the planned economy system, the " series receives series " and " dials changes loans the loan which history and so on " policy leaves behind down to form not good loans ; ( 2 ) 1, 992 - in 1993 economical heat, the large amount fund flows to the real estate, the stock market and so on ; ( 3 ) for many years building redundant project, credit fund effect even more difference ; ( 4 ) local authority to financial organ intervention ; ( 5 ) the financial organ internal management is bad and so on
我國銀行不良資產的成因十分復雜，主要有以下幾方面的原因： （ 1 ）計劃經濟體制下， 「統收統支」及」撥改貸」政策等歷史遺留下來的貸款所形成的不良貸款； （ 2 ） 1992 1993年經濟過熱，巨額資金流向房地產、股票市場等； （ 3 ）多年來重復建設，信貸資金效益甚差； （ 4 ）地方政府對金融機構的干預； （ 5 ）金融機構內部管理不善等。 -
Banks also favor personal real estate loan, which is characterized by low risk and high yield, for it ban help banks to adjust credit structures and improve assets quality
個人住房貸款因低風險、高收益的特性而成為銀行調整自身信貸結構、提高資產質量的新寵而倍受青睞。 -
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。 -
If commercial banks do not face the potential of the current real estate credit risk identification and effective control, then the rapid expansion of the real estate credit operations of commercial banks may become a source of risk can not be ignored
如果商業銀行不能對當前房地產信貸面臨的潛在風險進行有效識別與控制，那麼，房地產信貸業務的快速擴張可能成為商業銀行一個不容忽視的風險源。 -
Analysis for securitization of the mortgage real estate credit
淺析住房抵押貸款證券化 -
Probe into the potential real estate credit risk
關于對房地產信貸潛在風險的探討 -
Many commercial real estate credit banks in recent years have been a focus of development operations
近年來，隨著我國房地產行業的迅速發展，房地產信貸已成為商業銀行重點發展的業務。 -
Once more, analyzed the general monetary policy ( as a total quantity policy ) and the selective monetary policy ( as a structure policy ) ’ s effectiveness on the regulations of the continuous rising of the real estate prices separately. in the studies of the general monetary policy : analyzed the effectiveness of the interest rate policy to regulate and control the real estate prices, and then revealed the inner links between the real estate prices and several important macroscopic economical variables such as cpi, currency supply, gdp and so on. in the studies of the selective monetary policy : focused on the significant implications of the real estate credit control and preferential interest rates on the real estate prices
再次，從一般性貨幣政策和選擇性貨幣政策兩個角度對我國貨幣政策調控房價是否有效這一問題進行了剖析:在一般性貨幣政策即總量政策調控房地產市場價格有效性的研究中，分析了直接運用我國利率政策調控房地產市場價格的有效性問題，然後側重揭示了cpi 、貨幣供給量、 gdp等幾個重要的宏觀經濟變量與房地產市場價格的內在聯系;在選擇性貨幣政策即結構政策調控房地產市場價格有效性的研究中，側重分析了不動產信用控制與優惠利率對我國房價走勢的深遠影響。 -
On prevention and disposal of real estate credit risk
房地產業信貸風險的防範與化解 -
What characteristics of our real estate credit, what the risks are
我國的房地產信貸有什麼特徵，會有哪些風險 -
Based on the study in the above, the article put its view on the status of reits in mainland and pointed out that reits shall fall within the real estate credit through a deep analysis
分析完上述法律架構后，筆者對中國大陸現有的房地產信託計劃進行了分析，指出房地產投資信託屬于房地產信貸，中國大陸至今沒有房地產投資信託。 -
However, real estate credit risks after the rapid development and gradually has been exposed false mortgage, bank lending violations and developers of set - conditions had aroused the attention of the relevant departments in our countries
然而，在房地產信貸快速發展的背後，風險也正在逐漸暴露和顯現。假按揭、銀行違規放貸、開發商違規套貸等情況時有發生。
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