1. 住房抵押貸款的英文怎麼說
住房抵押貸款
home mortgage；housing mortgage loan；residential mortgage loan更多釋義>>
[網路短語]
住房抵押貸款 residential mortgage loan;housing mortgage loan;mortgage loan
住房抵押貸款證券 mortgage-backed securities;Non-Agency MBS;Mortgag-BackedSecu-rity
住房抵押貸款債券 housing mortgage loan bond
2. 求關於住房抵押貸款證券化的中英文對照文獻
很難找呀，但我會盡量幫助你的。
3. 求一篇關於個人住房抵押貸款的外文文獻的（最好能免費下載的）
《我國商業銀行個人住房貸款的風險及防範外文文獻及翻譯》
http://www.docin.com/p-841466721.html鏈接給你，希望對你有幫助！往採納
4. 跪求有關銀行信貸的外文文獻～最好附中文翻譯的～～
參考來源：JSTOR
China's fast-evolving consumer finance market
Contents
1. Footnote
China's consumer finance instry lags far behind the economy as a whole. In 2007, consumer finance balances still came to less than 13 percent of GDP, below India and far below Singapore and South Korea. Should recent growth rates persist, consumer lending promises to exceed 8 trillion renminbi ($1.2 trillion) by 2014, up from today's 3.7 trillion renminbi.( n1) But that calculation understates the market's latent potential. If consumer lending on the mainland rose to Taiwan's level, for instance, the shift could unleash as much as 10 trillion renminbi in net new consumption over the next five years--an enormous opportunity for banks and retailers.
China's people now have limited credit options. Mortgages account for 90 percent of lending to consumers, who have few choices in key proct areas, such as auto loans, credit cards, and personal loans. But the market has grown rapidly in recent years. Credit card issuance is skyrocketing, from 3 million cards in 2003 to 128 million by the end of 2008. Indeed, card issuance could surpass 300 million by 2013. Similarly, unsecured personal loans and installment loans, long the domain of underground lenders, have grown at an annual rate of 33 percent since 2006, to 744 billion renminbi, as leading domestic banks and consumer finance specialists strengthened their risk-management capabilities.
For foreign and local lenders jockeying for position in China's fast-evolving consumer finance market, we see several keys to success.
1. Recognize the market's diversity. China is a collection of local markets, each at a different stage of development, with distinct risk profiles and unique consumer preferences. These markets generally evolve through three stages of development: nascent (such as Sichuan), emerging (Jiangsu), and maturing (Shanghai). Lenders should take a portfolio view, focusing on the most promising markets, but with enough diversity to capture the next wave of growth.
2. Find a proct portfolio that matches consumer preferences. In a sense, consumer-lending procts are fungible. Many consumers balance their savings and borrowing in the aggregate, not by indivial procts. Some countries (such as South Korea) have high levels of credit card usage; others rely more on cash and personal loans. In the present early stage, the ultimate proct balance in China remains to be determined. Finding the right mix may prove crucial to success in China's fast-growing market.
3. Know the rules and their evolution. New regulations issued by Chinese banking regulators in the spring of 2009 give local and foreign banks and consumer finance specialists greater access to the market, in the form of consumer finance companies. While initially restricted to offering installment loans to retail customers with previous track records in borrowing, such companies will probably enable attackers to participate in the unsecured consumer-lending sector more quickly and at greater scale. In addition, the further deregulation of credit cards has allowed overseas banks to issue renminbi-based ones. These banks should target clear segments and develop the ability to serve the broader market.
Would-be players in such a new market must tread carefully. To assure responsible lending and borrowing, the government must strengthen credit bureaus, improve financial ecation, support 'new to credit' procts (for instance, low-limit or collateralized credit cards), and allow consumer finance balances to be securitized. Regulators and lenders must work together to improve risk management, especially the ability to identify and address organized fraud. The government must become better at spotting national and local credit bubbles.
China can manage the risks and has ample room to expand consumer credit--safely.
中國的快速發展消費金融市場
內容
1。腳注
中國的消費金融業遠遠落後於整體經濟。 2007年，消費信貸余額仍然發生了不到國內生產總值的百分之十三，低於印度，遠遠低於新加坡和韓國。如果最近的增長率持續下去，消費貸款承諾2014年將超過8萬億人民幣（1.2萬億美元），從今天的3.7萬億人民幣。（n1）重的計算，但低估了市場的潛能。如果消費者在大陸的貸款上升到台灣的水平，例如，這種變化可能引發在未來5年高達10萬億人民幣的凈新的消費多 - 為銀行和零售商的巨大機會。
中國人民現在是有限的信貸方案。抵押貸款占貸款的百分之90的消費者，誰在關鍵產品領域，如汽車貸款，信用卡幾個選擇，以及個人貸款。但市場發展迅速，近年來。信用卡發行是暴漲的3萬2003卡，為128萬，到2008年底。事實上，發卡可能超過3.0億，到2013年。同樣，無抵押個人貸款和分期付款貸款，長期貸款的地下領域，增長百分之33在一年增長率自2006年以來，至744億元人民幣作為國內領先的銀行和消費者金融專家，加強其風險管理能力。
對外國和本地貸款在中國的快速發展的消費金融市場領導地位的競賽中，我們看到一些成功的關鍵。
1。認識到市場的多樣性。中國是一個本地市場的集合，每個在不同的發展階段，不同的風險狀況和獨特的消費偏好。通過這些市場一般發展三個發展階段：新生（如四川），新興（江蘇），和成熟（上海）。貸款人應採取組合的看法，在最有希望的市場為重點，但有足夠的多樣性，以捕捉到下一個發展浪潮。
2。查找產品組合相匹配的消費偏好。在某種意義上，消費信貸產品互換。許多消費者平衡儲蓄和借貸總額由個別產品，而不是。如韓國的一些國家（）有信用卡使用率很高的水平;別人更多地依靠現金和個人貸款。在目前的初期階段，在中國最終產品的平衡還有待確定。找到合適的組合可能是極端重要的在中國的快速成長的市場取得成功。
3。知道規則及其演變。由中國銀行監管機構在2009年發布給當地和外國銀行和消費者金融專家更自由地進入市場，消費金融公司的形式，春天的新規定。雖然最初僅限於提供分期貸款，在貸款前紀錄的零售客戶，這些公司將可能使攻擊者在無抵押消費貸款部門的參與更迅速，規模更大。此外，信用卡的進一步放鬆管制已經允許外資銀行發行人民幣為基礎的。這些銀行的目標應明確部門和發展服務的能力，廣闊的市場。
想要成為這樣一個新的市場參與者必須謹慎行事。為了保證負責任的貸款和借款，政府必須加強徵信機構，完善金融教育，支持新的信貸的產品（例如，低限制或抵押信用卡），並允許消費者將證券化融資余額。監管機構和貸款人必須共同努力，改善風險管理，特別是能夠識別和處理有組織的欺詐。政府要更好地察覺成為國家和地方的信貸泡沫。
中國可以管理風險，有足夠的空間，擴大消費信貸 - 安全。
5. 誰有個人住房借款抵押合同的英文版，急用！！！謝謝
中英對譯如下：
房屋抵押合同
A mortgage contract
抵 押 人：
He is worth:
抵押權人：
The mortgagee:
為確保______年____月____日簽定的____________（以下稱主合同）的履行，抵押人（以下簡稱甲方）願意以其有權處分的房地產作抵押。抵押權人（以下簡稱乙方）經實地勘驗，在充分了解其權屬狀況及使用與管理現狀的基礎上，同意接受甲方的房地產抵押。甲方將房屋抵押給乙方時，該房屋所佔用范圍的土地使用權一並抵押給乙方。 雙方本著平等、自願的原則，同意就下列房地產抵押事項訂立本合同，共同遵守。 第一條 甲方用作抵押的房地產座落於________區________街（路、小區）_____號_____棟_____單元_____層_____戶號，其房屋建築面_______m2，佔地面積_______m2。 第二條 根據主合同，甲乙雙方確認：債務人為____________________；抵押期限自______年____月_____至_____年____月____。 第三條 經房地產評估機構評估，上述房地產價值為人民幣___________________________（大寫），__________（小寫）。根據主合同，雙方確認：乙方債權標的額（本金）：_________________（大寫），__________（小寫），抵押率為百分之__________。 第四條 甲方保證上述房地產權屬清楚。若發生產權糾紛或債權債務，概由甲方負責清理，並承擔民事訴訟責任，由此給乙方造成的經濟損失，甲方負責賠償。 第五條 乙方保證按主合同履行其承擔的義務，如因乙方延誤造成經濟損失的，乙方承擔賠償責任。 第六條 抵押房地產現由___________________________使用。 甲方在抵押期間對抵押的房地產承擔維修、養護義務並負有保證抵押房地產完好無損的責任，並隨時接受乙方的檢查監督。 在抵押期間因使用不當造成毀損，乙方有權要求恢復房地產原狀或提供給乙方認可的新的抵押房地產，在無法滿足上述條件的基礎上，乙方有權要求債務人提前償還本息。 第七條 抵押期間，甲方不得擅自轉讓、買賣、租賃抵押房地產不得重復設定抵押，未經乙方書面同意，發生上述行為均屬無效。 第八條 抵押期間，甲方如發生分立、合並，由變更後承受抵押房地產方承擔或分別承擔本合同規定的義務。甲方被宣布解散或破產，乙方有要要求提前處分其抵押房地產。 第九條 在本合同有效期內，未經甲方同意，乙方變更主合同條款或延長主合同履行期限的，甲方可自行解除本合同。 第十條 本合同生效後，甲、乙任何一方不得擅自變更或解除合同，需要變更或解除本合同時，應經雙方協商一致，達成書面協議，協議未達成前，本合同各條款仍然有效。 第十一條 本合同在執行中若發生爭議，甲乙雙方應採取協商辦法解決或共同向仲裁機構申請調解或仲裁，不能協商或達不成仲裁意向時可向人民法院起訴。 第十二條 在抵押期間，抵押房地產被拆遷改造時，甲方必須及時告知乙方，且根據具體情況，變更抵押合同或以房地產拆遷受償價款償還乙方的本息，並共同到登記機關辦理有關登記手續。 第十三條 抵押期滿，如債務人不能償還債務本息，又未與乙方達成延期協議的，按法定程序處理抵押房地產，清償債務本息。處理抵押房地產所得價款不足以償還債務本息和承擔處理費用的，乙方有權另行追索；價款償還債務本息後有剩餘的，乙方應退還給甲方。 第十四條 本合同未盡事宜，按照房地產抵押管理規定及國家、省、市有關規定辦理。 第十五條 本合同在雙方簽字蓋章後，並經市房地產市場管理部門登記，方為有效。 第十六條 本合同一式三份，甲乙雙方各執一份，房地產市場管理部門存檔一份。 第十七條 雙方商定的其它事項： 甲方（簽章）： 甲方（簽章）： 法定代表人： 法定代表人： 委託代理人： 委託代理人： 地 址： 地 址： 聯系電話： 聯系電話： 合同簽定地點： 合同簽定時間： 年 月 日
To ensure that in _____ _____ on sight, ____________ signed (hereinafter referred to as the main contract), the mortgagor performance (hereinafter referred to as party a) are willing to have the right to dispose of the real estate as a pledge. The mortgagee (hereinafter referred to as party b) based on the inquest, fully understanding the situation in the ownership and use and management on the basis of the current situation, agree to accept party a's real estate mortgage. Party a will mortgage to party b, the building occupies range of land use rights shall be mortgaged together to party b. Both sides in line with the principles of equality, voluntariness, agreed to the following matters of real estate mortgage enter into this contract, and abide by. Article 1 party a the mortgage of the real estate as the main propositions area is located in the main propositions street (road, area), the _____ _____ _____ _____ _____ building unit, the number of households face _______m2 housing construction, covers an area of _______m2. Article 2 the main contract, according to both parties confirm: debt ____________________ people; Since the mortgage term sight on the _____ _____ _____ years in _____ _____ to months. Article 3 the real estate appraisal institution assessment, the real estate value of RMB ___________________________ (capital), __________ (lowercase). According to the contract, both parties confirm: party b creditor's rights (principal) : I am grateful to bid (capital), __________ (small), mortgage rates for __________. Article 4 the real estate ownership clear party a guarantee. If has the property dispute or of creditor's rights debt, by party a will be responsible for clearing up, shall bear civil litigation and responsibility, thus the economic loss caused to party b, party a is responsible for compensation. Article 5 party b guarantees to the Lord to fulfill its obligations under the contract, such as the economic losses resulting from delay by party b, party b shall bear the liability for compensation. Article 6 the real estate mortgage is now ___________________________ use by. Party a in the mortgage of the real estate ring the mortgage to assume maintenance, maintenance obligations and guarantee for real estate mortgage in good condition, and to accept the responsibility of party b examination and supervision. During the mortgage in improper use of any damage, party b shall have the right to demand recovery real estate to the original state or to provide party b the new real estate, mortgage recognition in can't meet the above conditions, and on the basis of party b has the right to demand that the debtor to repay the principal and interest in advance. Article 7 ring the mortgage, party a shall not presumptuously transfer business, lease, mortgage real estate shall not repeat mortgages without party written agree, the occurrence of the above behavior be null and void. Article 8 ring the mortgage, if party a separation, merger, happened by after the change under real estate mortgage shall be liable for or separate undertaking the obligations prescribed by the contract. Party a has been dissolved or bankruptcy, party b has to ask for an advance action of their mortgages the real estate. Article 9 ring the effective period of this agreement, without the agreement of party a, party b change the terms of the contract or extend the time limit for performance of the contract, party a to terminate this contract. Article 10 after the contract comes into force, any one party, party a and party b shall not unilaterally modify or remove contract, need to change or cancel the contract, shall be subject to agreement through consultation between both parties reach a written agreement, did not come to an agreement, the contract before the terms still effective. Article 11 in the execution of this contract in the event of a dispute, both parties should take measures to solve or to negotiate the arbitration agency to apply for mediation or arbitration, can't negotiate, or reach an arbitration intentions can be when a people's court. Article 12 in ring the mortgage, mortgage real estate is the transformation, party a shall have timely inform party b, and according to the specific circumstances, modificatory guaranty contract or the price to be paid to the real estate repay the principal and interest of party b, and common to the registration authority for the relevant registration. Article 13 the expiration of the mortgage, such as the principal and interest can't pay back the debt, and fails to reach the agreement with party b extension, according to legal proceres of real estate, mortgage debts of principal and interest. Deal with the proceeds to real estate mortgage debt principal and interest and bear the cost of treatment, party b has the right to be reimbursed; The price of the remaining debt after the principal and interest, party b should be returned to party a. Article 14 the issues unmentioned in the contract, according to real estate mortgage management regulations and national, provincial, municipal regulations concerned. Article 15 in this contract upon signature and seal of both parties, and the city real estate market management department registration, in order to be valid. Article 16 the contract is in three copies, one for each party holding a real estate market management department, file a . Article 17 the mutually agreed other matters: party a (signature) : party a (signature) : the legal representative: legal representative: appoint agents: attorney: to address: to address: the telephone number: the telephone number: contract signed contract location: time: years may
6. 求一篇和住房抵押貸款證券化有關的3000字的英文文獻配中文翻譯，急急急！！！
童鞋你好！
這個估計需要自己搜索了！
網上基本很難找到免費給你服務的！
我在這里給你點搜索國際上常用的外文資料庫：
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⑴ISI web of knowledge Engineering Village2
⑵Elsevier SDOL資料庫 IEEE/IEE(IEL)
⑶EBSCOhost RSC英國皇家化學學會
⑷ACM美國計算機學會 ASCE美國土木工程師學會
⑸Springer電子期刊 WorldSciNet電子期刊全文庫
⑹Nature周刊 NetLibrary電子圖書
⑺ProQuest學位論文全文資料庫
⑻國道外文專題資料庫 CALIS西文期刊目次資料庫
⑼推薦使用ISI web of knowledge Engineering Village2
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中文翻譯得自己做了，實在不成就谷歌翻譯。
弄完之後，自己閱讀幾遍弄順了就成啦！
學校以及老師都不會看這個東西的！
外文翻譯不是論文的主要內容！
所以，很容易過去的！
祝你好運！
7. 跪求兩篇關於銀行個人住房抵押貸款的外文文獻。急要。謝謝。
個人的房子抵押貸款，又稱按揭，是指購房者在支付一定的首付款後，購房者向融寶通擔保抵押公司提交貸款申請並由融寶通向客戶提供剩餘部分購房款項，購房者必須有以穩定的收入，分期的向融寶通還本付息，而在未還清本息之前，用其購房契約向融寶通公司作抵押，若購房者不能按照期限還本付息，融寶通可將房屋出售，以抵消欠款。融寶通今天就為大家來介紹一下。
【真實押貸款案例】
網友提問：
我現在名下有一套住房是用公積金貸款，還差幾W的貸款沒有還清，現在我想購置另外一套住房，可是手裡錢不夠，父母有住房可以提供給我抵押，想問下能不能他們把房子抵押貸款出來用於我購房!
案例融寶通解答：
可以辦理個人住房抵押貸款，首先要具備抵押貸款條件：
一、貸款申請書(貸款用途/金額/年限/還款來源)
二、房屋所有權證
三、工作、收入證明(夫妻雙方)
四、戶口薄(夫妻雙方)
五、身份證(夫妻雙方)
六、結婚證
七、個人資產或財力證明，如銀行存摺、汽車行駛證等復印件
備註：離婚(含喪偶)未婚的需有關部門出具的未婚證明，共有房設立抵押須交有效的共有人的同意書。
其次個人住房抵押貸款只能抵押貸款到原來住房的70%―80%左右。
北京融寶通房屋抵押貸款最快當天放款。融寶通主要經營個人借貸、企業貸款、民間借貸、信用貸款等。融寶通致力於為客戶搭建一個公平，透明，穩定，高效100%安全的綜合性現代網路信息服務平台，讓客戶以最快的時間獲得貸款，解決資金難題。如果有任何關於貸款方面的需求或者問題，您都可以按照下面的聯系方式聯系融寶通，融寶通有專業的客服顧問，24小時為您提供一對一的專業服務。
8. 跪求有關個人住房抵押貸款風險分析的外文文獻和對應的中文翻譯
去cnki上找 啊～
9. 跪求一篇關於個人住房抵押貸款的外文文獻 最好附上翻譯，謝謝
同學，我看你是14年的你，你是不是已經寫好了，拿來參考一下唄。半個字都寫不出來。。。。。。。。。。