贷款

Guide commercial banks to effectively identify, measure, monitor and control credit risk in real estate, in August 2003 we began drafting the "Guide", on the first draft of the scope for small and the relevant professional institutions and commercial banks advisory opinion, the revised and listen to the real estate lending representative of the Banking Board and various areas of commercial banks, real estate companies and the Hong Kong region of the real estate lending risk control practice some more prominent banking institutions.

为引导商业银行有效识别、衡量、监测和控制房地产贷款风险，我们于2003年8月着手起草了《指引》，并就初稿小范围征求了相关专业咨询机构和商业银行的意见，修改后，又广泛听取在房地产贷款方面有代表性地区的银监局以及各类商业银行、部分房地产公司以及香港地区房地产贷款风险管控方面做法较突出的某些银行机构的意见。

We were the effects of the tightening in the transfer from the three indicators: Bank lending to control the rate of decline in its assets and liabilities, development lending rates improve its gross margin decline in mortgage interest rates make home buyers to purchase a corresponding reduction in the housing area (although may actually be lower housing prices, but we make in this simplified treatment), while the sales area to reduce the decline in its asset turnover ratio.

我们的影响，紧缩的转让从三个指标：银行贷款，以控制下降率在其资产和负债，开发贷款利率提高其毛利率下降，抵押贷款利率使购房者购买相应减少房屋面积（虽然实际上可能会降低房价，但我们在此简化治疗），而销售面积，以减少下降资产周转率。

Reportedly, the current minimum interest rate of individual housing loans, and developers of housing development loan interest rates higher than its nearly 1 percentage point, which makes developers tried avail oneself of loopholes, and mobilize acquaintances to buy, and through individual housing loan funds for the development of real estate, or even engage in "false mortgage."

据介绍，目前个人住房贷款的利率最低，而开发商的住房开发贷款的利率要比它高出近1个百分点，这就使开发商想方设法钻空子，动员熟人去买房，再通过个人住房贷款的资金来开发房产，甚至搞"假按揭"。

When Ed Bagley receives a postcard in the mail advertising a $5,000 loan you can receive tomorrow with only your signature as collateral, he digs a little deeper, uncovering the source of the loan and the fine print terms of the loan.

当埃德巴格莱收到明信片邮寄广告5000美元的贷款，您可以收到明天只有您的签名作为抵押，他一点深入挖掘，发现的来源和贷款条件的印刷精美的贷款。

Article 53 Where a storage enterprise violates the provisions of the present Regulations and arbitrages as purchasing at a low price while registering a high price in the account, or selling at a high price while registering a low price in the account, or employing fraud to obtain the loans for central grain reserves and the financial subsidies for loan interest and management cost, the grain administration department of the state and the finance department under the State Council shall, according to their respective functions, instruct the China Grain Reserve Management Corporation to order rectification within a time limit and reimbursement of the fraudulently obtained loans and financial subsidies for loan interest and management cost, the illegal gains shall be confiscated if there are any, the person-in-charge who bears direct responsibilities shall be given such disciplinary sanctions as ranging from demotion in title or rank to dismissal, and the other persons bearing direct responsibilities shall be given such disciplinary sanctions as ranging from warning to dismissal, if a crime is constituted, the criminal liability shall be investigated for, and such enterprise shall be disqualified for the storage of central grain reserves.

第五十三条承储企业违反本条例规定，以低价购进高价入账、高价售出低价入账、以旧粮顶替新粮、虚增入库成本等手段套取差价，骗取中央储备粮贷款和贷款利息、管理费用等财政补贴的，由国家粮食行政管理部门、国务院财政部门按照各自职责责成中国储备粮管理总公司对其限期改正，并责令退回骗取的中央储备粮贷款和贷款利息、管理费用等财政补贴；有违法所得的，没收违法所得；对直接负责的主管人员给予降级直至开除的纪律处分；对其他直接责任人员给予警告直至开除的纪律处分；构成犯罪的，依法追究刑事责任；对中央储备粮代储企业，取消其代储资格。

However, that measure misses sales above the $417,000 limit for regulated home loans, where prices were frothiest, as well as deals backed by subprime mortgages, where financing is now moribund.

但是，该价格指数并不包含上限超过 417，00美元的住房贷款（注：房利美与房贷美按规定可以购买及提供担保上限417，000美元的住房贷款。）和由次级抵押贷款支持的交易。而众所周知的是，上限超过417，00美元的住房贷款的价格存在泡沫，而次贷市场正在垂死挣扎。

In respect of the demand of key poultry breeding or processing enterprises for working capital loans, the bank and other financial institution shall, in accordance with the actual circumstances, give support in terms of loan scale, loan interest and loan security.

对重点家禽养殖和加工企业的流动资金贷款需求，银行及其它金融机构要根据实际情况，在贷款规模、贷款利率和贷款担保等方面予以支持。

You can learn more about your housing loan to avoid the retail mark through the re-registration of loans and other loans expensive mistake a free mortgage loans to re-explain.

您能学会更多关于避免您的房屋贷款零售标注通过登记重新贷款贷款和其他昂贵的差错一个自由抵押重新贷款讲解。

Personal loans business buyers will need at least three types of risk protection: First, the protection of property suffered major accidents and natural disasters, the risk of collateral damage to housing and property insurance; Second, lenders regular credit life insurance, primarily in the repayment period lenders due to illness or accidental injury of incapacity or death circumstances, to ensure safe recovery of bank loans, loans to family members can continue to live; Third, the performance bond purchase mortgage insurance, mainly because of the death of a guarantor when , unemployment and other reasons 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 to the policyholder to recover compensation or reparations.

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，保护财产遭受重大事故和自然灾害的风险抵押损坏的住房和财产保险；第二，贷款人定期信用人寿保险，主要是在还款贷款期间因疾病或意外伤害的丧失工作能力或死亡的情况下，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，履约保证金购买按揭保险，这主要是因为死亡的担保人时，失业和其他原因不能还款协议，保险公司的名义向银行流动资金超过债务追偿同时行使的权利，接受该抵押给投保人收回补偿或赔偿。

Generally, the process of getting loans on the basis of the existence of different risk factors, personal loans purchase at least three types of business risk protection : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

一般而言，根据贷款买房过程中存在的不同风险因素，个人贷款购房业务至少需要三类风险保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

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