1. 住房抵押贷款的英文怎么说
住房抵押贷款
home mortgage；housing mortgage loan；residential mortgage loan更多释义>>
[网络短语]
住房抵押贷款 residential mortgage loan;housing mortgage loan;mortgage loan
住房抵押贷款证券 mortgage-backed securities;Non-Agency MBS;Mortgag-BackedSecu-rity
住房抵押贷款债券 housing mortgage loan bond
2. 求关于住房抵押贷款证券化的中英文对照文献
很难找呀，但我会尽量帮助你的。
3. 求一篇关于个人住房抵押贷款的外文文献的（最好能免费下载的）
《我国商业银行个人住房贷款的风险及防范外文文献及翻译》
http://www.docin.com/p-841466721.html链接给你，希望对你有帮助！往采纳
4. 跪求有关银行信贷的外文文献～最好附中文翻译的～～
参考来源：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.
中国的快速发展消费金融市场
内容
1。脚注
中国的消费金融业远远落后于整体经济。 2007年，消费信贷余额仍然发生了不到国内生产总值的百分之十三，低于印度，远远低于新加坡和韩国。如果最近的增长率持续下去，消费贷款承诺2014年将超过8万亿人民币（1.2万亿美元），从今天的3.7万亿人民币。（n1）重的计算，但低估了市场的潜能。如果消费者在大陆的贷款上升到台湾的水平，例如，这种变化可能引发在未来5年高达10万亿人民币的净新的消费多 - 为银行和零售商的巨大机会。
中国人民现在是有限的信贷方案。抵押贷款占贷款的百分之90的消费者，谁在关键产品领域，如汽车贷款，信用卡几个选择，以及个人贷款。但市场发展迅速，近年来。信用卡发行是暴涨的3万2003卡，为128万，到2008年底。事实上，发卡可能超过3.0亿，到2013年。同样，无抵押个人贷款和分期付款贷款，长期贷款的地下领域，增长百分之33在一年增长率自2006年以来，至744亿元人民币作为国内领先的银行和消费者金融专家，加强其风险管理能力。
对外国和本地贷款在中国的快速发展的消费金融市场领导地位的竞赛中，我们看到一些成功的关键。
1。认识到市场的多样性。中国是一个本地市场的集合，每个在不同的发展阶段，不同的风险状况和独特的消费偏好。通过这些市场一般发展三个发展阶段：新生（如四川），新兴（江苏），和成熟（上海）。贷款人应采取组合的看法，在最有希望的市场为重点，但有足够的多样性，以捕捉到下一个发展浪潮。
2。查找产品组合相匹配的消费偏好。在某种意义上，消费信贷产品互换。许多消费者平衡储蓄和借贷总额由个别产品，而不是。如韩国的一些国家（）有信用卡使用率很高的水平;别人更多地依靠现金和个人贷款。在目前的初期阶段，在中国最终产品的平衡还有待确定。找到合适的组合可能是极端重要的在中国的快速成长的市场取得成功。
3。知道规则及其演变。由中国银行监管机构在2009年发布给当地和外国银行和消费者金融专家更自由地进入市场，消费金融公司的形式，春天的新规定。虽然最初仅限于提供分期贷款，在贷款前纪录的零售客户，这些公司将可能使攻击者在无抵押消费贷款部门的参与更迅速，规模更大。此外，信用卡的进一步放松管制已经允许外资银行发行人民币为基础的。这些银行的目标应明确部门和发展服务的能力，广阔的市场。
想要成为这样一个新的市场参与者必须谨慎行事。为了保证负责任的贷款和借款，政府必须加强征信机构，完善金融教育，支持新的信贷的产品（例如，低限制或抵押信用卡），并允许消费者将证券化融资余额。监管机构和贷款人必须共同努力，改善风险管理，特别是能够识别和处理有组织的欺诈。政府要更好地察觉成为国家和地方的信贷泡沫。
中国可以管理风险，有足够的空间，扩大消费信贷 - 安全。
5. 谁有个人住房借款抵押合同的英文版，急用！！！谢谢
中英对译如下：
房屋抵押合同
A mortgage contract
抵 押 人：
He is worth:
抵押权人：
The mortgagee:
为确保______年____月____日签定的____________（以下称主合同）的履行，抵押人（以下简称甲方）愿意以其有权处分的房地产作抵押。抵押权人（以下简称乙方）经实地勘验，在充分了解其权属状况及使用与管理现状的基础上，同意接受甲方的房地产抵押。甲方将房屋抵押给乙方时，该房屋所占用范围的土地使用权一并抵押给乙方。 双方本着平等、自愿的原则，同意就下列房地产抵押事项订立本合同，共同遵守。 第一条 甲方用作抵押的房地产座落于________区________街（路、小区）_____号_____栋_____单元_____层_____户号，其房屋建筑面_______m2，占地面积_______m2。 第二条 根据主合同，甲乙双方确认：债务人为____________________；抵押期限自______年____月_____至_____年____月____。 第三条 经房地产评估机构评估，上述房地产价值为人民币___________________________（大写），__________（小写）。根据主合同，双方确认：乙方债权标的额（本金）：_________________（大写），__________（小写），抵押率为百分之__________。 第四条 甲方保证上述房地产权属清楚。若发生产权纠纷或债权债务，概由甲方负责清理，并承担民事诉讼责任，由此给乙方造成的经济损失，甲方负责赔偿。 第五条 乙方保证按主合同履行其承担的义务，如因乙方延误造成经济损失的，乙方承担赔偿责任。 第六条 抵押房地产现由___________________________使用。 甲方在抵押期间对抵押的房地产承担维修、养护义务并负有保证抵押房地产完好无损的责任，并随时接受乙方的检查监督。 在抵押期间因使用不当造成毁损，乙方有权要求恢复房地产原状或提供给乙方认可的新的抵押房地产，在无法满足上述条件的基础上，乙方有权要求债务人提前偿还本息。 第七条 抵押期间，甲方不得擅自转让、买卖、租赁抵押房地产不得重复设定抵押，未经乙方书面同意，发生上述行为均属无效。 第八条 抵押期间，甲方如发生分立、合并，由变更后承受抵押房地产方承担或分别承担本合同规定的义务。甲方被宣布解散或破产，乙方有要要求提前处分其抵押房地产。 第九条 在本合同有效期内，未经甲方同意，乙方变更主合同条款或延长主合同履行期限的，甲方可自行解除本合同。 第十条 本合同生效后，甲、乙任何一方不得擅自变更或解除合同，需要变更或解除本合同时，应经双方协商一致，达成书面协议，协议未达成前，本合同各条款仍然有效。 第十一条 本合同在执行中若发生争议，甲乙双方应采取协商办法解决或共同向仲裁机构申请调解或仲裁，不能协商或达不成仲裁意向时可向人民法院起诉。 第十二条 在抵押期间，抵押房地产被拆迁改造时，甲方必须及时告知乙方，且根据具体情况，变更抵押合同或以房地产拆迁受偿价款偿还乙方的本息，并共同到登记机关办理有关登记手续。 第十三条 抵押期满，如债务人不能偿还债务本息，又未与乙方达成延期协议的，按法定程序处理抵押房地产，清偿债务本息。处理抵押房地产所得价款不足以偿还债务本息和承担处理费用的，乙方有权另行追索；价款偿还债务本息后有剩余的，乙方应退还给甲方。 第十四条 本合同未尽事宜，按照房地产抵押管理规定及国家、省、市有关规定办理。 第十五条 本合同在双方签字盖章后，并经市房地产市场管理部门登记，方为有效。 第十六条 本合同一式三份，甲乙双方各执一份，房地产市场管理部门存档一份。 第十七条 双方商定的其它事项： 甲方（签章）： 甲方（签章）： 法定代表人： 法定代表人： 委托代理人： 委托代理人： 地 址： 地 址： 联系电话： 联系电话： 合同签定地点： 合同签定时间： 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. 求一篇和住房抵押贷款证券化有关的3000字的英文文献配中文翻译，急急急！！！
童鞋你好！
这个估计需要自己搜索了！
网上基本很难找到免费给你服务的！
我在这里给你点搜索国际上常用的外文数据库：
----------------------------------------------------------
⑴ISI web of knowledge Engineering Village2
⑵Elsevier SDOL数据库 IEEE/IEE(IEL)
⑶EBSCOhost RSC英国皇家化学学会
⑷ACM美国计算机学会 ASCE美国土木工程师学会
⑸Springer电子期刊 WorldSciNet电子期刊全文库
⑹Nature周刊 NetLibrary电子图书
⑺ProQuest学位论文全文数据库
⑻国道外文专题数据库 CALIS西文期刊目次数据库
⑼推荐使用ISI web of knowledge Engineering Village2
-----------------------------------------------------------
中文翻译得自己做了，实在不成就谷歌翻译。
弄完之后，自己阅读几遍弄顺了就成啦！
学校以及老师都不会看这个东西的！
外文翻译不是论文的主要内容！
所以，很容易过去的！
祝你好运！
7. 跪求两篇关于银行个人住房抵押贷款的外文文献。急要。谢谢。
个人的房子抵押贷款，又称按揭，是指购房者在支付一定的首付款后，购房者向融宝通担保抵押公司提交贷款申请并由融宝通向客户提供剩余部分购房款项，购房者必须有以稳定的收入，分期的向融宝通还本付息，而在未还清本息之前，用其购房契约向融宝通公司作抵押，若购房者不能按照期限还本付息，融宝通可将房屋出售，以抵消欠款。融宝通今天就为大家来介绍一下。
【真实押贷款案例】
网友提问：
我现在名下有一套住房是用公积金贷款，还差几W的贷款没有还清，现在我想购置另外一套住房，可是手里钱不够，父母有住房可以提供给我抵押，想问下能不能他们把房子抵押贷款出来用于我购房!
案例融宝通解答：
可以办理个人住房抵押贷款，首先要具备抵押贷款条件：
一、贷款申请书(贷款用途/金额/年限/还款来源)
二、房屋所有权证
三、工作、收入证明(夫妻双方)
四、户口薄(夫妻双方)
五、身份证(夫妻双方)
六、结婚证
七、个人资产或财力证明，如银行存折、汽车行驶证等复印件
备注：离婚(含丧偶)未婚的需有关部门出具的未婚证明，共有房设立抵押须交有效的共有人的同意书。
其次个人住房抵押贷款只能抵押贷款到原来住房的70%―80%左右。
北京融宝通房屋抵押贷款最快当天放款。融宝通主要经营个人借贷、企业贷款、民间借贷、信用贷款等。融宝通致力于为客户搭建一个公平，透明，稳定，高效100%安全的综合性现代网络信息服务平台，让客户以最快的时间获得贷款，解决资金难题。如果有任何关于贷款方面的需求或者问题，您都可以按照下面的联系方式联系融宝通，融宝通有专业的客服顾问，24小时为您提供一对一的专业服务。
8. 跪求有关个人住房抵押贷款风险分析的外文文献和对应的中文翻译
去cnki上找 啊～
9. 跪求一篇关于个人住房抵押贷款的外文文献 最好附上翻译，谢谢
同学，我看你是14年的你，你是不是已经写好了，拿来参考一下呗。半个字都写不出来。。。。。。。。。。