For instance, less pa-perwork will be needed to process loans, and formal appraisals are no longer required for every real estate loan. 例如简化贷款的纸上作业,而且所有房地产贷款不再需要正式的估价程序。
Game Analysis and Mechanism Design in Real Estate Mortgage Loan 不动产抵押贷款的博弈分析与机制设计
In recent years, the rapid enlargement of real estate loan of commercial banks in China is stronger and stronger. 近年来,我国商业银行房地产信贷业务快速扩张的势头强劲。
Because of the complexity and indetermination of real estate investment, as the final taker of the real estate development item and load risk, the real estate loan still keeps the higher risk condition. 由于房地产开发投资的复杂性和不确定性,作为房地产开发项目和按揭贷款风险的最终承担者,房地产贷款仍保持着较高的风险状况。
Securitization about real estate mortgage loan. 房地产抵押贷款证券化。
Positive Analysis: Risk of Real Estate Loan and Financial Biology 实证分析:房贷风险与金融生态
At first, the thesis will give some concepts about real estate and loan for real estate. 第一部分是对于房地产信贷和房地产信贷风险的相关概念进行阐述,并对房地产信贷风险的产生的从金融不稳定假说的角度进行了一个初步的分析。
The Essence Causes and Harm Analysis of Real Estate Loan Risk of Commercial Bank 商业银行房地产贷款风险本质成因和危害分析
Watch Out Real Estate Loan Risk 警惕房地产信贷风险
The real estate loan is a vital component of asset business in commercial bank. 商业银行房地产贷款业务是商业银行资产业务的重要组成部分。
The study on the relationship between the fluctuation of real estate loan and the fluctuation of real estate industry in the thesis can be divided into three parts. 本文对于房地产信贷波动与房地产业波动的关系的研究,大体上可以分为三部分。
The thesis dwells on the relationship between the fluctuation of real estate loan and the fluctuation of real estate industry. 本篇论文的研究对象是房地产信贷波动与房地产业波动的关系。
In addition, with the appearance of bond risk and real estate loan risk and rubbish bond and something like this in developing countries, people begin to doubt the traditional credit risk management instruments. 此外,随着发展中国家的债务危机、房地产贷款的恶化以及垃圾债券等高信用风险资产的出现,传统信用风险管理工具开始受到人们的质疑。
The second part is about the research on the fluctuations of Chinese real estate loan and real estate industry. 第二部分对中国房地产业波动、房地产信贷波动进行研究。
Study on Real Estate Loan Project Investment Appraisal System 房地产项目贷款投资评估体系研究
Firstly, from the view of theory, we can make the relation between the risk of the real estate mortgage loan and economic cycle, which fills the gaps in the theory field. 首先从理论上来看,通过对房地产抵押贷款风险在经济周期波动过程中变化的研究,可以对两者之间的关系有一个清晰的认识,而目前理论界对此问题的研究尚不多见;
Real estate loan is the main profit source for Hong Kong banking industry. 房地产贷款是香港银行业的主要盈利来源。
At the situation of our country, the government continues to manage and control the real estate loan, which forces many real estate companies eager to find new financing channel. 目前我国政府不断加强对房地产信贷的管理与控制,迫使房地产企业急于寻找新的融资渠道。
To establish a systematic, scientific, and complete real estate loan risk assessment and prevention system is capable to accurate assessment of commercial bank assets timely, and it is very important for the stable operation and healthy development of commercial banks. 建立一套系统、科学、完整的房地产贷款风险评价与防范体系,能够及时、准确地评价商业银行房地产贷款资产的安全情况,对于商业银行的稳健运行、健康发展成功至关重要。
Bank staffs have not strict credit check to these real estate mortgage loan applicants, led to excessive lending, this behavior belongs to the scope of operational risk. 银行工作人员对房地产抵押贷款申请者不严格的信用情况审查,导致过度放贷等行为,就属于操作风险范围。
The fifth chapter is empirical research. The real estate non-performing loan balance is a measure of real estate finance risk index. Then it analysis the relationship between this index and two macro economic variables ( real estate market price and long-term interest rates). 第五章对数据进行实证研究,以房地产不良贷款余额作为衡量房地产金融风险的指标,分析该指标与房地产市场价格和中长期利率之间的关系。
Fourth, this thesis systemically analyzed the risk of the real estate loan which the commercial banks, developers and the country faced now. Finally, this thesis gives some advices and strategy to manage the financial risk in real estate industry. 还对商业银行、房地产开发商、国家三个方面所面临的房地产贷款风险进行了比较系统的分析,最后对他们房地产金融风险的管理提出了若干有针对性的建议和策略。
According to the current situation of housing banking development in China, the activities of personal real estate loans fall into three major forms: one of them is personal real estate loan supported by policy; the other is commercial personal real estate loan. 从目前我国住房金融发展的实际情况来看,个人住房贷款业务主要有三种形式:其一是政策性个人住房贷款,其二是商业性个人住房贷款,其三是个人住房组合贷款。
From real estate development loan to the individual housing loans, banks provide a stronger credit support, Because of this policy of support to make our real estate prices rising. 从房地产开发贷款到个人住房贷款,银行都提供了强有力的信贷支持,正是有了这种政策的支持才使我国的房地产价格不断攀升。
Personal real estate loan is a financial product that was brought in during the transformation from the welfare housing allotment system to magnetization of housing allotment. This product refers to the loan made by the credit giver to the credit receiver for purchasing personal common real estate. 个人住房贷款是我国福利分房制度向住房分配货币化转变过程中引入的一种金融产品,它是指贷款人向借款人发放的用于购买自用普通住房的贷款。
Banks also favor personal real estate loan, which is characterized by low risk and high yield, for it ban help banks to adjust credit structures and improve assets quality. 个人住房贷款因低风险、高收益的特性而成为银行调整自身信贷结构、提高资产质量的新宠而倍受青睐。
After 2003, State Departments and Central Bank enacted a series of financial policy to the real estate financing. So each bank has been more cautious of their real estate development loan. 2003年以来国务院、央行相继出台了一系列的房地产金融调控政策,对房地产信贷做了进一步的规范,各家银行对房地产开发贷款将更为谨慎,房地产开发企业的融资渠道趋紧。
The principal actions concerned in the mortgage loans include the sale of commercial real estate, loan, mortgage, guarantee and other acts of civil law. Different parties have differentiated rights and obligations in different legal relationship. 上述主体在按揭贷款中包括了商品房买卖、借款、抵押、保证等一系列民事法律行为及各方当事人的权利和义务。
Real estate enterprises loan of banks is an important business of commercial banks. The credit risk management is increasingly becoming an important part of banking risk management. 房地产企业贷款是商业银行的一项重要业务,其信用风险管理也日益成为银行风险管理的重要组成部分。