查询词典 housing mortgage loan

However, we have noted the lack of the corresponding dispersedness and the risk guarding system arrangement in the housing mortgage loan market. Banks' ability of independently resisting risk actually is extremely frail, which urgently needs us to provide for the future to find one kind of means which can melt and guard risk effectively.

但是，我们注意到住房抵押贷款市场中缺乏相应的分散和防范风险的制度安排，银行独立抵御风险的能力其实是十分脆弱的，急需我们未雨绸缪，找到一种有效地化解和防范风险的办法。

Commercial housing ; individual credit ; housing mortgage loan ; risk analysis ; risk precaution ; risk elusion

商品住宅；个人信贷；住房按揭贷款；风险分析；风险防范；风险规避

The housing mortgage loan is growing very fast and the future of the loan market is indubitable in china.

我国住房抵押贷款增长非常迅速，住房抵押贷款市场的发展潜力是毋庸置疑的。

In recent years, housing mortgage loan has become one of the important factors to promote housing reform and boost housing market.

近几年，个人住房抵押贷款已经成为促进我国城镇住房改革，繁荣房地产市场的重要因素之一。

As a result, with the improvement of macro situation and development of mortgage loan, to carry out the securitization of housing mortgage loan is the trend.

因此，随着宏观环境的改善和抵押贷款的发展，在我国推行住房抵押贷款证券化是势在必行。

This thesis will compare and dwell on the legal system of housing mortgage loan in China and the United States, then put forward sound tentative suggestion to develop and improve the legal system of housing mortgage loan in our country.

本文对我国的住房抵押贷款法律制度与美国的住房抵押贷款法律制度进行对比研究、探讨，提出发展和促进我国住房抵押贷款法律制度的设想。

The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

By expounding the legal doctrine of asset securitization and the complicated legal relationships among them, with the help of the comparative research on the related legal systems in our country and other countries with mature asset securitization in the world, this dissertation discusses the jurisprudential foundations and realistic significance with which our country makes housing mortgage loan as point of tangency of asset securitization, analyzes a lot of legal barriers that our country shall face when carry out securitization of housing mortgage loan under current social environment for the legal system, and thereupon the author brings up the legislative suggestions of asset securitization which conform to national conditions of our country.

本文通过阐释资产证券化的法律原理和其中所蕴涵的复杂法律关系，借助于我国与国际上资产证券化成熟国家相关法律制度的比较研究，探讨了我国以住房抵押贷款作为资产证券化的切入点的学理依据和现实意义，以及在目前的法制环境下，我国实行住房抵押贷款证券化所面临的诸多法律障碍，从而提出符合我国国情的资产证券化立法建议。

Mainly introduce the concept, origin, developing cause of assets securilization, developing history of securilization in the countries and areas such as U. S. A., British, Australia, Japan, Hongkong, ect. Part three, includes Chapter four, five, six, and seven. Mainly study the effect to the development of our country's economy by carrying out banking assets securitization, the actuality of banks in our country, imminency and realistic meaning to carry out assets securitization, and talk about the feasibility of take housing mortgage loan as a cut-in point and reference meaning of dealing with bad assets of banks; the design of carrying out housing mortgage loan at present moment, and the feasibility, difficulties and problem of making experiment of bad assets securitization, the study of relevant policy such as law system, revenue system, finance system, supervising principle and so on, which needs to be studied and resolved in making experiment of banking assets securitization; all kinds of risks, risks estimate and providing measures needed in.

主要研究实施资产证券化对我国经济发展的影响，主要从银行资产证券化入手，研究我国银行的现状，进行资产证券化的迫切性和现实意义，探讨了我国从住房抵押贷款作为切入点的可行性以及对处理银行不良资产的借鉴意义；现阶段我国实施住房抵押贷款证券化的方案设计，以及进行不良资产证券化试点的可行性、难点和需要解决的问题；近期我国进行银行资产证券化试点需要研究和解决的法律制度、税收制度、财会制度、监管原则等配套政策研究；资产证券化面临的各类风险、风险评价和需要采取的防范措施。

A commercial bank shall not make a housing mortgage loan under which the credit fluctuates with the appraisal value of housing or whose use is not specified, and before a purchaser repays a loan in full, shall not make an additional loan on the basis of the reappraised net value of the mortgaged housing.

商业银行不得发放贷款额度随房产评估价值浮动、不指明用途的住房抵押贷款；对已抵押房产，在购房人没有全部归还贷款前，不得以再评估后的净值为抵押追加贷款。

According to the clear water experiment, aeration performance of the new equipment is good with high total oxygen transfer coefficient and oxygen utilization ratio.

曝气设备的动力效率在叶轮转速为120rpm～150rpm时取得最大值，此时氧利用率和充氧能力也具有较高值。

The environmental stability of that world - including its crushing pressures and icy darkness - means that some of its most famous inhabitants have survived for eons as evolutionary throwbacks, their bodies undergoing little change.

稳定的海底环境─包括能把人压扁的压力和冰冷的黑暗─意谓海底某些最知名的栖居生物已以演化返祖的样态活了万世，形体几无变化。