查询词典 housing estate

Guide commercial banks to effectively identify, measure, monitor and control credit risk in real estate, in August 2003 we began drafting the "Guide", on the first draft of the scope for small and the relevant professional institutions and commercial banks advisory opinion, the revised and listen to the real estate lending representative of the Banking Board and various areas of commercial banks, real estate companies and the Hong Kong region of the real estate lending risk control practice some more prominent banking institutions.

为引导商业银行有效识别、衡量、监测和控制房地产贷款风险，我们于2003年8月着手起草了《指引》，并就初稿小范围征求了相关专业咨询机构和商业银行的意见，修改后，又广泛听取在房地产贷款方面有代表性地区的银监局以及各类商业银行、部分房地产公司以及香港地区房地产贷款风险管控方面做法较突出的某些银行机构的意见。

Firstly, this paper analyzed the finance conditions around real estate industry, and then discussed problems exiting in real estate business financing and abuses about current financing policies based on financing theories, studied real estate business financing instruments involving bank loan, issuance of stocks, issuance of bonds, and real estate affiance.

本文首先分析房地产业所处的金融环境，依据融资理论的指导，探讨房地产企业融资存在的一些问题和融资政策方面的弊端，研究房地产企业融资工具，考察银行贷款、发行股票、发行企业债券以及房地产信托方式，旨在寻找适合企业自身条件的融资方式，拓宽企业融资渠道，改善企业融资结构。

Namely, based on proper increment corresponding to national economic development, total land supply and city plan shall be controlled, capital financed shall be in line with real estate increment, at same time, real estate taxation policies shall also be adopted in order to choke back the speculation in real estate market and guarantee the prosperous of real estate market.

即在与国民经济协调发展的合理增量的指导下，进行土地供应的总量控制和城市规划指导，实行控制与房地产增量相对应的融资总量的金融政策，为了抑制房地产市场中的投机行为，促进房地产业的长期繁荣，还需要执行房地产保有税税收政策。

Network economy could reduce costs of exchange and achieve economies of scope and economies of integration. The advancements of network economy urge it to be the mainstream over obstacles. It shifts situations between supplier and demander, changes the characters of demanding and factors of purchasing. Those engender new type of demand. Estate agencies, which integrate on-line and off-line services, will achieve dominancy in the market. In general, estate agencies have to shift from the necessary intermedia to assistant roles. Network economy supplies a gap of information deficiency in estate market and levels down the amplitude of estate economy cycle. Informatization of industry management enhances market efficiency, at the same time decreases systemic risks.

网络经济的进步性能够使其最终重重突破障碍而实现主流化；网络经济从本质上改变了房地产供求双方的主从格局，使需求特征及购买决策因素发生变化，也形成了新型房地产产品需求；网上服务与网下服务相结合的中介主体将主导中介市场，但总体而言房地产中介将由必要的市场环节转变为重要的辅助环节；网络经济改善了房地产市场信息信息缺陷局面，平缓了房地产经济的周期性波动，行业管理信息化提高了市场效率，也降低了系统风险。

This paper researches the application of real estate securitization using in city renewal with the swot method, then discusses the latest development of real estate securitization——the operation pattern of exploitage real estate securitization, and puts forward some suggestions in real estate securitization promoting city renewal.

本文首先利用swot分析法研究不动产证券化在城市更新中的应用，然后探讨不动产证券化的最新发展类型——开发型不动产证券化的运作模式，最后对我国利用不动产证券化促进城市更新提出政策建议。

If July internationally renowned real estate fund management institutions Shengyang real estate fund with U.S. Homy Fund groups signed a 200 million U.S. dollars fund management framework, the Group commissioned by Homyfund Shengyang real estate fund in China real estate investment and management, commissioned by the Investment Management Fund is typical pattern.

如7月国际著名房地产基金管理机构盛阳地产基金与美国HOMY FUND集团签署了2亿美元的基金委托管理框架协议，由HOMYFUND集团委托盛阳地产基金在中国进行房地产投资和管理，这是基金委托投资管理模式的典型案例。

For the incompliant lending patterns mentioned above, on commercial banks part, improving the management and business technique will reduce, or even eliminate the incompliant behaviors in the pre-investigation process. From the Central bank and China Banking Regulatory Commission side, setting the inner network in the same industry, controlling the ratio of real estate loan, and enhancing the penalty to suppress the development of incompliant lending of real estate are effective ways to control risk. Fundamentally, the government should conduct the developer of real estate to search for the new financing mode to improve the stability and development, this might include some measures as follows: improving the liability financing structure of large real estate companies, develop the Reits and support its securitization to form the multi-financing.

对上述违规模式，从银行内部提高管理及业务水平方面，本文提出了针对性的风险防范措施，可有效地将违规的苗头扼杀在贷前调查过程中；从央行及银监会角度，可以通过建立同业信息沟通网络、严格控制房产信贷比重、加大违规惩戒力度等手段抑制房地产违规信贷的发展；而最根本的，政府应当引导房地产开发企业寻找新的融资渠道来促进房地产行业稳定和健康的发展，包括改善大型地产企业的债务融资结构、发展房地产投资信托基金及推动房产抵押证券化等方式形成房地产多元化融资的格局，这样，房地产违规信贷模式也就不攻自破了。

Accession to the WTO, China's commitment to real estate is the real estate assets owned or leased services, real estate, high standards do not permit the establishment of wholly foreign-owned enterprises projects, no other restrictions; In a fee or contract basis of the real estate services, limited to the form of joint ventures, allowing foreign-owned majority shares.

我国在加入WTO时对房地产业的承诺是，对于自有或租赁资产的房地产服务，除高标准房地产项目不允许设立外商独资企业外，不作其他限制；在以收费或合同为基础的房地产服务中，仅限于合资企业形式，允许外商拥有多数股权。

According to the Circular, there are three conditions under which the donor and the donee of the real estate endowed as gift may be exempted from individual income tax: where the owner of the real estate donates the ownership for no consideration to his or her spouse, parents, offspring, paternal grandparents, maternal grandparents, paternal grandchildren, maternal grandchildren or siblings; where the owner of the real estate donates the ownership for no consideration to the person who is under the direct obligation to take care of or support the owner; where the ownership of the real estate, following its owner's demise, is transferred to the legal heir by operation of law or to the legatee or donee under the will.

根据《通知》，房屋产权无偿赠与的当事双方免征个人所得税的三种情况包括：（1）房屋产权所有人将房屋产权无偿赠与配偶、父母、子女、祖父母、外祖父母、孙子女、外孙子女、兄弟姐妹；（2）房屋产权所有人将房屋产权无偿赠与对其承担直接抚养或者赡养义务的抚养人或者赡养人；（3）房屋产权所有人死亡，依法取得房屋产权的法定继承人、遗嘱继承人或者受遗赠人。

Researching the connotation of the concepts of real estate brokerage and brokers requires understanding the real estate practice and the Civil Law tradition in China, international tradition, and the definition of mediacy and agency in Civil Law Rule and Contract Law (1999) in China, etc. The proposed real estate brokerage regulation is designed to establish business behaviors to gain client's trust, to help real estate trading as mediators and proxies, and to receive payment in exchange.

房地产经纪业属于特殊行业，其概念与普通经纪概念不同，分析房地产经纪的内涵要从我国房地产经纪业实际和有利于规范管理房地产经纪业的角度出发，要考虑到我国大陆法传统以及与国际惯例相衔接等多种因素，并根据我国《民法通则》和1999年新生效的《中华人民共和国合同法》对代理、居间行为范围所作出的明确界定，对我国房地产经纪的内涵进行约定，具体可以将房地产经纪表述为：接受委托人的委托，通过居间、代理行为促成他人房地产交易，并收取佣金的经营行为。

Listen,point and check your answers.

听，指出并且检查你的答案。

Warming needle is one of effective treatment methods for knee arthralgia aggravated by cold,and it is simple,safety,so it should be developed in clinical acupuncture and moxibustion extensively.

但以本院科针灸门诊在2005年1月—2006年6月期间共收治膝痛患者100余例，经过临床的诊断后，其中施以温针治疗的48例，疗效显著，报道如下。1临床资料本组病例48