real estate loans 中文意思是什麼
real estate loans
解釋
不動產貸款-
At first, this thesis analyzes sorts of residential mortgage risks, brings forward some methods of risk control, points out that insurance is the most effective way to transfer the risks of residential mortgage, and introduces some insurances on residential mortgage in domestic financial market and abroad, expounds particularly the successful experience of usa where the business insurance agents, fha and va provide full ensurance for the loans of bank to disperse default risk, thus promotes the prosperity of real estate finance
本論文首先從分析住房抵押貸款的風險種類入手，提出了多種風險處理措施，指出住房抵押貸款風險最有效的轉移措施是保險，並介紹了國內外現行住房抵押貸款有關保險，詳細闡述了美國的成功經驗：通過商業保險公司、 fha 、 va等機構對銀行放款提供全方位保障，化解來自借款人不能償付貸款的風險，促使整個房地產金融活躍起來。 -
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。 -
Colony achieves attractive risk - adjusted returns by investing in real estate, non - performing loans, distressed assets, real estate - dependent operating companies, and select commercial and residential development opportunities throughout the world
我們通過全世界的房地產、不良貸款、遇險資產、房地產獨立運作公司、精選商業和住宅發展機遇，從而獲得引人注目的風險調控回報。 -
However, challenge and opportunity do coexist. after investigation of the local real estate market, we discovered that due to the fierce competition and tight finances, a substantial number of uncompleted real estate development projects existed which had been forced into foreclosure by their construction lenders due to non payment of construction loans
然而，挑戰和機遇並存，對上海房產市場作了充分的調查了解后，公司發現在激烈淘汰的市場機制下存在不少房地產不良資產，即俗稱的「爛尾樓」 。 -
As part of the mad scramble to buy real estate before the downturn, some mortgage brokers simultaneously lined up home equity loans for borrowers along with the primary loan used to buy the property
在房地產低迷之前，一些抵押經紀人既給借款人提供房產抵押的同時，還購入房產。 -
In addition to real estate mortgages for property registration is required other than to immediately apply for loans, lidengkequ, several of the approved loan amount may be less than, to borrow from five days to six months duration, may be longer or shorter
除了房地產抵押需辦理產權登記以外，其他貸款可以即時辦理，立等可取，借款金額在核定數內可多可少，借款期限從五天到六個月，可長可短。 -
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。 -
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。 -
On legal risk of real estate mortgage loans securitisation
論住房抵押貸款支持證券的法律風險 -
Apart from the appointments as legal advisers in the governmental institutions, companies and enterprises, the law office mainly deals with the legal consultancy and service in the spheres such as the international trade, international direct investment and financing, bank loans and l / c business, project contracting, real estate, international ocean transportation, trade marks and unfair competitions and so on ; provides assistance in the study, drafting, examination, revision and negotiations of all sorts of contracts, agreements, articles of association and other legal documents, grand ' s legal opinions, assists in resolving disputes ; and serves as agents for clients to arbitration and litigations
除受聘擔任政府機構、公司、企業的法律顧問外，主要辦理國際貿易、境外直接投資和融資、銀行貸款和信用證業務、工程承包、房地產開發、國際海上運輸、商標和不正當競爭、公司組織等方面的法律咨詢服務；在上述方面協助研究、草擬、審定、談判各類合同、協議、章程及其他法律文件，出具法律意見書；協助調解解決爭議；代理訴訟和仲裁。 -
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。 -
Secondly, from the bank ’ s angle, i try to find some ways to avoid and control the risks derived from the fluctuation of real estate industry by the bank ’ s reform and innovation. this paper follows these clues with questions below : ( 1 ) what ’ s role do banks play in the real estate price formation ? ( 2 ) what determinants do the real estate loans depend on
本文試圖從「房地產信貸風險如何形成」這一問題出發，結合國外對于房地產泡沫理論的研究，分析房地產市場、銀行信貸市場、監管者以及消費者等各參與方的行為，試圖找出銀行在發放房地產貸款過程中導致信貸風險積累的環節，並從銀行角度分析，如何通過自身的變革和創新規避和控制風險。 -
According to the current situation of housing banking development in china, the activities of personal real estate loans fall into three major forms : one of them is personal real estate loan supported by policy ; the other is commercial personal real estate loan
從目前我國住房金融發展的實際情況來看，個人住房貸款業務主要有三種形式:其一是政策性個人住房貸款，其二是商業性個人住房貸款，其三是個人住房組合貸款。 -
In western nations such as the united states, real estate mortgage loans have already occupied the biggest part of the loan market
資產抵押貸款正變得越來越流行，在美國等西方國家，不動產抵押貸款成為所有貸款項目中最大的一個部分。 -
The government investigation has centred on the alleged misuse of at least one third of the 10bn yuan ( $ 1. 2bn ) pension fund to make illegal loans and investments in real estate and other infrastructure deals
政府對陳調查主要集中他對在上海市100億社會保障金的非法挪用上，據稱至少三分之一的社會保障金涉嫌非法出借並非法用於房地產投資以及其他交易中。 -
In 1998, the people ' s bank of china issued the administrative law of individual housing loans and allowed commercial banks to open individual housing secured loans, extend the loan term, which marked a new phase in the development of home financing in china. after this, the scale of granting home mortgages rapidly widened and the development was swift as by there year 2000, the balance of home loans at the china construction bank and the industrial and commercial bank of china broke through rmb 100 billion yuan, of which, individual home mortgages became the most important growth point for credit in the real estate industry
1998年，中國人民銀行出臺了《個人住宅貸款管理法》 ，允許商業銀行開辦個人住宅擔保貸款，延長貸款期限，這標志我國住房金融發展到一個新的階段，其後住房抵押貸款發放規模的迅速擴大，發展勢頭迅猛， 2000年，中國建設銀行和中國工商銀行住房貸款余額均突破1000億元，其中個人住房抵押貸款成為房地產信貸中最重要的增長點。 -
In addition, banks make real estate loans to individuals for the purchase of houses or land, and they also give personal loans to people who want to buy a new car or a new appliance
此外銀行也向想購買住房或土地的個人提供房地產貸款，還向想購買新車或新設備的人提供個人貸款。 -
In this paper, i begin my research with the question of “ how the credit risks of real estate loans do generate ”, firstly, on the base of studying the fundamental bubble theory, i analysis the different behaviors of real estate market, banking loan market, regulators and customers, and try to find the origin of the banking credit risks while the bank provides real estate loans
房地產信貸風險的產生和積聚，是房地產市場和以銀行信貸為主的金融市場相互作用的一個過程。在銀行為房地產業提供金融支持的過程中，實際上也涉及銀行在面對和評估風險過程中一系列的行為和決策，銀行的這些行為和決策可能成為風險積聚的直接誘因。而國內對于這方面研究分析的文獻還不多。 -
The fourth representation is that real estate loans grow excessively
第四個表現在於，房地產貸款量增長過度。 -
In recent years, the volume of real estate loans has been growing exponentially
今年，地產業貸款的總量一直呈幾何數增長。
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