贷款

Construction Bank, the report stressed that the purchase of investment loans, construction loans will be reduced to shorten the loan period; the head office also requires close attention to the sub-branch of changing market conditions, effective control of the higher risk areas running individual housing loans.

建设银行，该报告强调指出，购买投资贷款，建筑贷款将减少，以缩短贷款期限；总公司还需要密切注意支行的不断变化的市场条件下，有效控制高风险地区运行个人住房贷款。

Bank of China said the 10-year subordinated loan, which carries interest of two percentage points above the London interbank offered rate for the first five years and 2.5 percentage points after that, would give it 'greater operating flexibility ...

该公司表示，从其母公司获得的为10年期后偿贷款，还款期前5年的贷款利率比伦敦银行同业拆息高2个百分点，后5年的贷款利率比伦敦银行同业拆息高2.5个百分点。该行称，这笔贷款将给其带来更大的运营灵活性。。。。。。

Fixed Rate loan — The 2nd mortgage at a fixed rate loan is similar to a first mortgage where you can get a lump sum payment and then pay up the loan in installments over a set period of time.

固定利率贷款-二号抵押贷款在固定利率贷款是类似第一按揭你能得到一笔金额，然后支付了这笔贷款分期一套的一段时间。

Then,we improve CSFP Model in two aspects:when we ascertain the frequency of default,we use negative binomial distribution to substitute Poisson distribution so that the model can measure the data better;when we ascertain the loss distribution of default,we use Γ-distribution to substitute normal distribution.

其创新与特色一是对贷款组合的风险暴露数进行分段，在每一频段上分别确定风险暴露数分布，进而可以更准确的描述各笔贷款的风险暴露数。二是在确定风险暴露数分布时，用Γ分布替代了传统的正态分布，解决了贷款违约的风险暴露数分布的厚尾问题，进而解决了大宗贷款违约的风险度量问题。三是确定违约频率时，用负二项分布来代替传统的泊松分布，解决了违约频率的方差通常要大于其均值的分布拟合问题。

For the real estate projects in which the date of starting the construction is one year later than the date stipulated in the land transfer contract and the real estate enterprise has only developed less than 1/3 of the whole area or made insufficient investment, financial institutions must prudentially grant loans and approve the financing, and rigidly control the loans that are being rolled over or the rolling credits, for a project in which the land is illegally used, no financial institution may grant loans or financing for listing to it.

金融机构对房地产项目超过土地出让合同约定的动工开发日期满一年，完成土地开发面积不足1/3或投资不足1/4的企业，应审慎贷款和核准融资，从严控制展期贷款或滚动授信；对违法用地项目不得提供贷款和上市融资，违规提供贷款和核准融资的，要追究相关责任人的责任。

In addition, there are two other loan products:1 the housing loan, and 2 the higher education loan which run parallel to the basic loan.

除此以外，还有两种别的贷款产品：1）住房贷款，和2）高等教育贷款，它们是与基本贷款平行经营的。

Pointed out that from the financial point of view, countries in the current macroeconomic policy, the bank's second-hand housing loan requirements of the subject matter of strict than before, and the proportion of loans and repayment period is more stringent; in the process of a direct impact on second-hand housing transactions to the mortgage, that is, there are all kinds of unreasonable, then there are now many banks have stopped the process to switch mortgage business, real estate transactions on the secondary impact is relatively large.

胡景辉指出，从金融角度来看，国家在目前的宏观经济政策，银行的二手房贷款需求的主题事项严格比以前的比例贷款和还款期是更严格；的过程中，直接影响了二手房交易抵押贷款，也就是说，有各种各样的不合理的，那么现在有许多银行已停止的进程切换抵押贷款业务，房地产交易的次要影响比较大的。

Risk management has been regard as the core function of commercial bank by the modern financial theory, and the New Basel had brought forward higher requirement for the building of risk management frame. This thesis will analyze the situation of the precaution of individual housing loan credit risk lengthways and breadthwise, using the method of actual evidences and data analysis.

本文通过运用实证分析、数据分析等方法，在对我国房地产市场和个人住房贷款业务的发展历程回顾的基础之上，对我国个人住房贷款信贷风险防范进行了纵横剖析，并结合对国外个人住房贷款信用风险防范的分析，提出了基于我国实情、借鉴国际经验的完善我国商业银行个人住房贷款信用风险防范体系的建议。

The commercial banks shall actively communicate and cooperate with the taxation departments and the departments of foreign trade and economic cooperation at various levels, to earnestly improve the financial services and enhance the service efficiency, and shall strengthen the loan administration, rigidify the pre-examination and post-inspection of the loan in accordance with the relevant provisions of the Law of the People's Republic of China on Commercial Banks and the General Rules for Loans, and thus to earnestly prevent loan risks and to ensure the stable development of this loan business.

七、各商业银行要主动和各级税务部门、外经贸主管部门沟通与合作，切实改进金融服务，提高服务效率，要根据《中华人民共和国商业银行法》和《贷款通则》的有关规定加强贷款管理，严格贷前审查、贷后检查，切实防范贷款风险，确保此项贷款业务的稳步发展。

Separately, the Fed said it would launch a program to buy up to $ 200 billion in asset-backed securities -- backed by student loans, auto loans, credit card loans, and other loans -- in a further effort to unclog frozen credit markets.

此外，联邦政府表示其将推出一个购买2000亿美元的有资产担保的证券计划--助学贷款，汽车贷款，信用卡贷款和其它贷款--进一步努力使冻结的信贷市场畅通。

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