在抵押中

In homeowner's mortgage insurance, the mortgaged house is the subject property, it is also an integrated property of the land with its appurtenant structures, which is charasterized as real estate, that means the land and the buildings on it can not be separated in form and value.

在住房抵押贷款房屋保险中，抵押房屋是标的财产，是土地及地上建筑物的统一体，具备不动产土地及地上建筑物形态和价值的不可分割性。

Since chattel mortgage has its inherent defect, the author of this paper suggests Chinese legislation supersede entirely chattel mortgage with the system of alienation guarantee.

本文通过检讨动产抵押的公示制度来管窥该制度的先天缺陷，并通过制度比较，建议在未来的我国立法中，废除动产抵押，转而规定让与担保来发挥其制度功能。

Registry is needed to make ship finance, but only those who are qualified can make hypothec, and these qualification are usually prescribed by law.

第二章从抵押及登记制度的角度论述合同双方当事人在船舶抵押贷款关系中的权利和义务及对各自利益的保护。

I also think that in China there are indeed too many people and a series of other problems, the lender of the information detailed understanding very difficult, such as we sometimes impossible for a person's information is very understanding, and sometimes he To say what his loan collateral can be secured, but sometimes he may have collateral security to the pawn shop, etc., these banks are sometimes difficult to understand, so understanding of information in China is relatively difficult.

我也觉得在中国的确存在着人太多以及其他的一系列问题，对贷款人的资讯方面去详细的了解很困难，比如我们有时候不可能对一个人的资讯情况非常的了解，有时候他来贷款说他有什么抵押物可以抵押，但是有时候他的抵押物可能已经抵押给了当铺等等，这些情况银行有时候会很难了解，所以资讯了解在中国是比较困难的。

If language acts as a barometer of society's changing mores and preoccupations, then in the past two years scores of people have developed an interest in gourmet sex (lovemaking that is particularly passionate and enjoyable), the mankini (a man's swimming costume consisting of a narrow V-shaped piece of material extending from the crotch to the shoulders) and Fannie Mae (the informal name for the Federal National Mortgage Association that buys and sells mortgage debt).

如果说语言在社会风俗成见的变迁中起到了晴雨表的作用的话，那么在过去的两年中，好些人都对gourmet sex（性爱饕餮，一种格外****而愉悦的****）、Mankini（曼基尼，一种从裆部延伸至双肩的窄V字男式泳衣）和Fannie Mae（房利美，联邦国民抵押贷款协会的别称，以买卖抵押贷款债务为主要业务）起了兴趣。

Western scholars have made comprehensive analysis on these two questions; the established conclusion is that there exists scale of economy for cooperative financial institutions on the whole, but in certain scope, the scale of economy is unapparent or does not exist.

因此，在这些机构中存在着通过扩大业务量来降低平均成本的机会；合作银行的特定产品中，抵押贷款、消费者贷款和投资性业务存在规模经济性，非抵押贷款存在规模不经济。

Under this background, the mortgage of building under construction as a special form of real property, the value of MBUC in real estate and the overall volume in the stock has incr.

在此背景下，在建工程作为房地产的一种特殊形态，在建工程的价值和数量在房地产整体存量中的比重日益呈现上升趋势，在建工程抵押作为房地产抵押的重要方式之一，在社会实践中的应用已日趋广泛。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要保证还贷期内在贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

Generally, the process of getting loans on the basis of the existence of different risk factors, personal loans purchase at least three types of business risk protection : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

一般而言，根据贷款买房过程中存在的不同风险因素，个人贷款购房业务至少需要三类风险保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿。。。。。。

For a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether

年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。

Eph. 4:23 And that you be renewed in the spirit of your mind

弗四23 而在你们心思的灵里得以更新