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Finally, by our study, we give some advices on how to push forward housing mortgage loan security in our country.

最后对如何推进我国住宅抵押贷款证券化进行了研究。

In the field of basic research , this paper used 637 sets of data , analyzed the impact on our country individual housing mortgage loan default risk factors.

本文在实地调研的基础上,利用637组数据,对影响我国个人住房抵押贷款违约风险的因素进行了实证分析。

Part E is the comparative study on the legal system of housing mortgage loan between Chinaand U.

第五部分对中美住房抵押贷款法律制度进行比较研究。

Basis on the four part, the five part constructs newly personal house mortgage loan hypothecation system.

这两个国家的担保体系对我国个人住房贷款担保体系的构建具有现实的借鉴意义。

So far real estate financing mainly depends on commercial bank, the proportion of other financing channels such as IPO, trust loan, bond and fund are inappreciable.

我国房地产金融主要以银行信贷为主,其他金融方式如上市融资、信托融资、债券融资以及基金融资等所占比重较小,其融资格局较为单一的特征十分突出。

Under this circumstance, the incompliant loan of real estate companies came into being, which boomed the over-rely of real estate companies on bank industry to another extent.

在这种背景下,房地产违规信贷现象层出不穷,房地产企业融资过分依赖银行的局面仍未改变。

Subsequently, the paper indicated how the incompliant lending came from the bank and company sides, and summarized several common incompliant patterns based on personal experiences. Those patterns are as follows: firstly,"used shell to give birth to eggs"by the medium and small developer; secondly,"unified distribution"by large developer; thirdly,"do in the darkness"used in hyper-investment or roll development by developer. The paper summarized the characteristic and fund operation process for each mode, and analyzed the influence and risk of incompliant lending loan to both banks and real estate markets.

接着,从银行及企业两方面阐述房地产违规信贷的成因,并凭借个人实务经验总结出几种常见的违规信贷模式,一是中小型房地产商采用的借壳生蛋型,二是大型房地产商采用的统一调配型,三是在项目超投资或滚动开发时采用的暗渡陈仓型,对每一种模式归纳了特点及资金流转过程,并分析了违规信贷对银行和房地产市场的风险。

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。

The possible systematic defects due to issuing a great deal of instruments of the central bank to hedge against China's existing huge exchange position are analyzed in a long-term perspective, such as reducing economic growth rate and bringing adverse influence on social welfare, weakening the policy effectiveness of hedge, making the current macroscopic economic control incoordinate with the long-term objective of economic growth, tightening bank loan so as to distort the overall economic structure eventually and causing the conflict between internal and external economic demands.

结合我国特殊的转轨背景,从长期的角度,分析了中国人民银行发行央行票据对冲外汇占款这一做法的制度缺陷,指出央行票据作为对冲工具可能给经济带来各种负面影响,如降低经济效率并造成社会福利损失,对冲的政策效力弱化,调控方向与经济增长的长期目标不协调,挤出商业银行贷款并可能扭曲经济结构以及内外平衡的冲突等。

You must repay the loan, and any interest that is due on it.

你必须还清贷款以及应付的利息。

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We have no common name for a mime of Sophron or Xenarchus and a Socratic Conversation; and we should still be without one even if the imitation in the two instances were in trimeters or elegiacs or some other kind of verse--though it is the way with people to tack on 'poet' to the name of a metre, and talk of elegiac-poets and epic-poets, thinking that they call them poets not by reason of the imitative nature of their work, but indiscriminately by reason of the metre they write in.

索夫农 、森那库斯和苏格拉底式的对话采用的模仿没有一个公共的名称;三音步诗、挽歌体或其他类型的诗的模仿也没有——人们把&诗人&这一名词和格律名称结合到一起,称之为挽歌体诗人或者史诗诗人,他们被称为诗人,似乎只是因为遵守格律写作,而非他们作品的模仿本质。

The relationship between communicative competence and grammar teaching should be that of the ends and the means.

交际能力和语法的关系应该是目标与途径的关系。

This is not paper type of business,it's people business,with such huge money involved.

这不是纸上谈兵式的交易,这是人与人的业务,而且涉及金额巨大。