国家贷款

COASTAL COMMUNITY AND TEACHERS CREDIT UNION COLLINS COMMUNITY CREDIT UNION COLUMBUS BANK AND TRUST COMPANY COMERICA BANK COMMERCE BANCSHARES, INC. COMMERCE BANK, NATIONAL ASSOCIATION COMMERCIAL BANK COMMUNITY BANK AND TRUST CREDIT ONE BANK, NATIONAL ASSOCIATION CREDIT UNION CENTRAL FALLS CREDIT UNION OF NEW JERSEY CU COOPERATIVE SYSTEMS DATA CENTER INCORPORATED DHCU COMMUNITY CREDIT UNION DIGITAL FEDERAL CREDIT UNION DUPONT COMMUNITY CREDIT UNION ESL FEDERAL CREDIT UNION EVANSVILLE FIREFIGHTERS FEDERAL CREDIT UNION FAIRFAX COUNTY FEDERAL CREDIT UNION FAMILY SECURITY CREDIT UNION FARMERS AND TRADERS BANK FEDCHOICE FEDERAL CREDIT UNION FIA CARD SERVICES, NA FIA CARD SERVICES, NATIONAL ASSOCIATION FIDELITY BANK FINANCIAL HORIZONS CREDIT UNION FIRST-CITIZENS BANK AND TRUST COMPANY FIRSTMERIT BANK, NATIONAL ASSOCIATION FIRST BANKING CENTER - BURLINGTON FIRST COMMUNITY BANK, NATIONAL ASSOCIATION FIRST COMMUNITY CREDIT UNION FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF PORT ANGELES FIRST FEDERAL SAVINGS BANK OF FLORIDA FIRST INTERSTATE BANK FIRST NATIONAL BANK FIRST NATIONAL BANK OF TENNESSEE FIRST PREMIER BANK FIRST SAVINGS BANK OF PERKASIE FIRST STATE BANK OF ST.

海岸社区与师范储蓄互助社柯林斯合作信用社哥伦布银行及信托公司Comerica银行商业股票银行，工商银行股份有限公司，国家协会为商业银行和信托银行信用社区一家银行，国家会信用联合会中央瀑布信用新泽西兑换联盟协同系统数据中心的法团DHCU合作信用社数字联邦信用合作社杜邦合作信用社的ESL联邦信用合作社埃文斯维尔消防队员联邦信用合作社费郡联邦信用合作社家庭安全信用联盟农民和商人银行FEDCHOICE联邦信用合作社国际汽联卡服务，不适用国际汽联卡服务，全国协会信诚银行信用联盟第一个财政立式服务器，国民银行和信托公司FirstMerit现有银行，第一银行中心的全国性协会-伯灵顿第一社区银行，国家协会第一社区信贷联盟第一个联邦储蓄和贷款协会第一港口洛杉矶联邦储蓄银行美国佛罗里达州第一州际银行第一国民银行第一国民银行田纳西州的首位银行第一储蓄佩卡西作者：意法半导体第一州银行。

However, with today's financial crunch is steep and high pressure to launch a series of land policy and now these "heretical" has been closed almost all of .8 31, all land must be linked into the trick shot; national moratorium on the approval of agricultural land to six months non-agricultural construction land; development zone approved by the investigation and stopped; not paid land transfer payments not only permit but even the land can not get pre-sale licenses are never expect; banks to stop lending or even the second set of residential land and house mortgage loans have been suspended …… it seems the real estate industry in China overnight back in 1993 to "liberate" before the macro-control period, what inflection point theory, and even the collapse of the winter will have on the spondee!

然而，今天的金融危机是陡峭的高压推出了一系列的土地政策，目前这些"邪教"已关闭几乎所有的0.8月31日，所有土地必须联系到把戏杆；国家暂停核准农业用地6个月非农业建设用地；开发区批准的调查和制止；没有支付土地出让金不仅允许，甚至土地不能获得预售许可证从未期望；银行停止贷款，甚至是第二套住宅用地和住房抵押贷款已经暂停……看来，房地产行业在中国一夜之间回到1993年的"解放"前的宏观调控时期，什么拐点理论，甚至崩溃的冬天将会对扬扬格！

At first blush it looks like China's banking straightjacket has protected the banks from themselves and the economy from the banks, in contrast to events elsewhere.

乍看上去，中国以行政手段限制银行贷款规模的举措起到了使银行不被自己的问题贷款拖垮、使中国经济不被银行的问题拖垮之效，这与出现了此类问题的其他国家形成了鲜明对照。

After World War II, with the enforcement of a series of education laws such as the National Defense Law, the Higher Education Act of 1965, the 1972 Reauthorization of Higher Education Act, the Middle-Income Student Assistance Act , the Student Loan Reform Act of 1993, the U.S federal government has gradually set up a complete financial aid system. The system is based on student loans as its main aid form and supplemented by other forms of aid such as grants, scholarships, federal work-study programs and federal tax credits.

二十世纪三四十年代后，尤其是二战后，联邦政府出于国家利益的考虑，开始关注高等教育，从而介入学生资助领域，先后推出《国防教育法》、《高等教育法》及其系列修正案、《中等收入家庭学生资助法》、《学生贷款改革法》以及《纳税人救助法案》等一系列高等教育资助法案，逐步建立起以学生贷款为主体、辅之以助学金、奖学金、联邦工读计划以及联邦税收补贴等形式的完善的联邦政府学生资助体系。

The earlist Asset-Securitized transactional date back to our early 1970s and were the sale of pooled mortgage loans by the Government National Mortgage Association. These transaction soon followed by selling unmortgaged which can be securitized, and then thrive in the developed countries , newly-emerging nations and regions.

资产证券化从1970年代末美国储蓄银行发起的抵押贷款担保证券始，逐渐扩大到其他非抵押性贷款，以至包括不良债权在内的所有应收款领域，并在发达国家、新兴国家和地区迅速发展起来。

Most of the loans went to unqualified real estate companies and fraudulent personal mortgages, according to a report from the National Audit Office issued last July.

根据国家审计署去年7月份的报告，大多数贷款是放给不合格的房地产商，或者是给欺骗性的个人抵押贷款。

The implicit faith in the ability of the market economy to correct itself, which is largely responsible for the removal of established regulations in the United States, tended to ignore the activities of prodigals and projectors in a way that would have shocked Adam Smith.

斯密将那些过度的求利风险的鼓吹者称为&投机分子&，这一说法是对过去几年中的次级贷款放债人的绝好形容。例如，在讨论反高利贷法的时候，斯密希望国家规范在那些鼓吹不稳定贷款的&投机分子&面前，为公民提供保护

Nowadays, real estate companies mainly gain the commercial loans from domestic banks and the returns of the properties sold and presold. The resources of the developing funds from the monetary trust, IPO and private financing are limited and it is only a small proportion of the sources of the developing funds. Every commercial bank all strengthens the attention of the loan risk and is strict with the process of examining and approving loans. At the same time

现在国内房地产开发项目主要依靠商业银行贷款和项目销售回款，资金信托、上市融资和私募融资都占有房地产项目开发融资资金来源的极小比例，在商业银行强化风险意识，各大银行逐步严格对房地产开发项目的建设贷款的审批，同时国家不断的通过土地政策和开发政策，对房地产行业进行宏观调控，在新的形势下的房地产开发企业在大型房地产项目开发的过程中，拥有足够的融资能力和融资渠道，就显得极为重要了。

state-provided loan ; students from low-income families ; credit and honesty education

一、高校助学贷款工作开展的现状国家助学贷款

The causes of these problems are: the nature of national students'loan is vague, no relevant laws or regulations are enacted for security, financial environment is not sound, risk compensation is insufficient, government actions are inadequate, the burden rate of students'paying back is too high, and the investment of colleges is not enough.

这些问题产生的原因有：国家助学贷款性质定位模糊、风险补偿力度不够、金融环境不健全、缺少配套的法律法规保障、政府作为不够、学生还贷负担率过高和高校对助学贷款的投入不够等。

But we don't care about Battlegrounds.

但我们并不在乎沙场中的显露。

Ah! don't mention it, the butcher's shop is a horror.

啊！不用提了。提到肉，真是糟透了。