贷款

As China's sustained economic development and improve people's living standards, personal demand rising, China's consumer credit market is growing, housing loans, auto loans, student loans, consumer durables loans, personal loans and other short-term rapid development of business .

随着我国经济持续的发展和人民生活水平的提高，个人需求的不断上涨，我国消费信贷市场也不断扩大，住房贷款、汽车贷款、助学贷款、耐用消费品贷款、个人短期借贷等业务得到迅速发展。

Green is a personal consumer loans; blue is the individual housing loans, at present, not to the whole loans 1600000000000, individual housing loans accounted for about 1.2 trillion.

绿色是个人消费贷款；蓝色是个人住房贷款，目前，没有对整个贷款一万六千点零亿，个人住房贷款占了大约1.2万亿。

The Rural Finance Group produces material to help extension staff and other community advisers to improve client level support and enhance people's money management skills.

农村金融工作组也通过发布调查报告的形式向金融机构提供咨询和指导，例如在农业贷款、农业贷款的资金来源、存款的维护、存货贷款及农村贷款抵押方面为金融机构提供最佳的实践案例。

One benefit of the interne is that there are many informative articles and information to help you understand the pro's and cons of every kind of loan program, FHA loans, balloon mortgages, VA loans, graduated payment mortgages, Fannie Mae and Freddie Mac loans.

一个好处就是有许多国内促进了翔实的资料和文章，帮助您了解亲的轻重每类贷款计划联会贷款、气球抵押贷款妇联、毕业抵押金，fannie年FreddieMae及陆委会贷款。

The paper employs the CF band pass filter to measure the cross-correlation coefficient and the leading / lagging relationship between credit variables and the economic growth rate. The result shows that the cyclical fluctuation of medium- and long-term loans and construction loans is in advance of the economic growth, and the cyclical fluctuation of industrial loans and commercial loans is relatively consistent with that of the economic growth.

运用CF带通滤波测算信贷变量与经济增长率之间的交叉相关系数和先行/滞后关系，得到的结论是：中长期贷款和建筑贷款的周期性波动提前于经济增长，工业贷款和商业贷款的周期性波动与经济增长率相对一致。

Data behind the corporate credit growth in November the two major characteristics of跃然纸上: First, in November the banks towards corporate lending speeding growth, the end of the year do not want to completely break the iron rule lending; Second,, 456.1 billion yuan of new loans, financing instruments accounted for half of November boost small-scale loans.

背后的企业贷款增长在11月11两大特点跃然纸上：第一，对企业贷款的加速增长，银行的数据，在今年年底不想完全打破铁律贷款；第二，4561.00亿人民币新贷款，融资工具占了一半11月增加小规模贷款。

Fannie and Freddie's credit losses are being driven primarily by loans made in 2006 and 2007, when lending standards were loosest; by mortgages made to borrowers who fell outside their traditional lending standards, and by heavy exposure to loans in such areas as California and Florida where home prices have fallen most sharply.

房利美和房地美的信贷损失主要是由2006和2007年发放的贷款招致而来，当时贷款标准十分宽松。而向那些达不到传统贷款标准的借款人发放的抵押贷款，以及与加利福尼亚和佛罗里达等房价下跌幅度最大地区的贷款的紧密风险关联，也是如今&两房&身陷困境的主要因素。

For example, Basel II only permits originating banks who securitize loans by way of a traditional securitization transaction, not to count those loans in its risk weighted exposures, if the sale of the mortgage loans to the SPV puts the loans completely beyond the bank's control (ie the transfer or the loans to the SPV must be by way of clean sale which cannot be set aside).

例如，《巴塞尔资本协定 II》规定，该等藉传统证券化交易来将贷款证券化的发起银行，只有在它们向「特定目的投资机构」出售按揭贷款，致使该等贷款是完全处於该些银行的控制范围以外时（即是转让予「特定目的投资机构」的贷款，必须是藉著不能搁置的clean sale 方式），它们才可以不将有关贷款列入其风险加权值之内。

Guotai Junan Research Fellow of the textile industry, Mr. Lee told reporters that a few years ago, the textile industry long-term loans bad credit, in order to be able to loans, many enterprises to take short-long voted in the loan-to-business model, so once the operation problems, a reminder Bank Loan easily run out of cash in the chain break.

国泰君安研究员的纺织工业，李先生告诉记者，几年前，纺织工业长期贷款不良贷款，以便能贷款，许多企业采取短期，长期贷款投票，对商业模式，所以，一旦运营的问题，提醒银行贷款很容易出现资金链中的休息时间。

Personal loans business buyers will need at least three types of risk protection: First, housing and property mortgage insurance, the protection of property suffered major accidents and natural disasters, the risk of damage; Second Loan the regular credit life insurance, primarily in the loan repayment period, a result of illness or accidental injury and the incapacity or death, to ensure safe recovery of bank loans, loans to family members can continue to live; Third Mortgage purchase a performance bond insurance, mainly in when the guarantor because of death, causes of unemployment can not afford repayment agreement, the insurance companies on behalf of liquidity to banks than debt recovery at the same time exercise the right to receive from the collateral compensation or to the policyholders recover compensation.

个人贷款业务的买家将至少需要三种类型的风险保障：第一，住房和财产抵押贷款保险，保护财产遭受重大事故和自然灾害的风险损害；第二贷款定期信贷人寿保险，主要是在还款期内，因疾病或意外伤害和丧失工作能力或死亡，以确保安全收回银行贷款，贷款的家庭成员可以继续居住；第三按揭购买履约保证保险，主要是在当担保人，因为死亡，失业原因不能还款协议，保险公司的名义向银行流动资金超过债务追偿同时行使有权获得赔偿的抵押品或投保人赔偿。

I use an example quoted by Hu Jiaqi:"It is reported that America separates the DNA of a kind of virus by making use of genetic technology and combines it with another kind of DNA. Finally, they get a kind of virulent biological agent called a "pyrotoxin". Someone discloses in private that 20 grams of such a kind of biological agent could result in the global death of 6 billion people due to infection."

我在这里例举胡家奇所引用过的例子："据报道，美国利用转基因技术，将一种病毒的DNA分离出来，与另外一种DNA进行结合，拼结成一种剧毒的"热毒素"生物战剂，且私下有人透露，这种生物战剂只需20克，就可以导致全球60亿人全部感染死亡。"

Waiting, for the queers and the coons and the Reds and the Jews.

等待着疯子和黑人还有红色共产主义者还有犹太人