贷款

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。

The system reduces many otiose datum which operated by human, makes them do their own work by network, this increases consumedly the work efficiency of the internal personnel in bank, it will reduces much burden, and improves the bank workflow operation's efficiency and security ,It can also suply the customers more satisfying services, which improve the competition of our own bank.

本系统减少了许多不必要的人工处理数据的过程，使工作人员通过网络只在自己的工作职责内进行操作，这大大减轻银行工作人员的工作负担，提高了银行贷款业务的效率和贷款流程的安全性，为银行客户提供更满意的服务，从而提高了银行的竞争力。

The system reduces many otiose datum which operated by human, makes them do their own work by network, this increases consumedly the work efficiency of the internal personnel in bank, it will reduces much burden, and improves the bank workflow operations efficiency and security ,It can also suply the customers more satisfying services, which improve the competition of our own bank.

本系统减少了许多不必要的人工处理数据的过程，使工作人员通过网络只在自己的工作职责内进行操作，这大大减轻银行工作人员的工作负担，提高了银行贷款业务的效率和贷款流程的安全性，为银行客户提供更满意的服务，从而提高了银行的竞争力。

But I suggest you borrow on overdraft instead of on loan.

不过我建议你以透支方式而不是贷款方式贷款。

On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities.

最重要的是，他们能够通过风险去抵押贷款保险或包装这些贷款作为抵押担保证券。

If these were treated as past-due, the bank's past-due loan total might double.

如果将它们作为过期贷款处理，则该行的过期贷款总额将增加一倍。U.S。

Another important measure involves comparing the reserve to the amount of loans that are past-due because many of these may have to be written off.

另一个重要指标是准备金与逾期贷款的比例，因为许多此类贷款可能被迫冲销。

An important innovation of the standardised approach is the requirement that loans considered past-due be risk weighted at 150%, unless a threshold amount of specific provisions has already been set aside by the bank against that loan.

标准法的一项重大创新是将逾期贷款的风险权重规定为150%，除非针对该类贷款银行已经计量了达到一定比例的专项准备。

A fifth of the bank's loansin late 2001 were more than a year past-due:'Grameen would be showingsteep losses if the bank followed the accounting practices recommendedby institutions that help finance microlenders through low-interestloans and private investments.

在2001年晚些时候，该银行五分之一的贷款被拖欠一年以上："如果遵循那些通过低息贷款和私有投资来帮助微型贷款者的机构所推荐的会计方式的话，格莱珉将遭受急剧的损失。"

First, as a result of the first phase of real estate business through a bank loan is obtained, then it will be the original land and premises mortgaged to the bank, a pawn shop if it was the second tranche of credit, have arrived to the bank to land and property also pledge to the pawn line, so there will be "more than one married woman" phenomenon, which is obviously illegal.

首先，由于第一阶段的房地产企业通过银行贷款获得，那么这将是原来的土地和楼宇抵押给银行，一间当铺如果是第二期贷款，已经抵达的银行对土地和财产还保证了典当行，因此将是"一个以上的已婚妇女"的现象，这显然是非法的。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。