贷款公司

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。

Mark Clare, the boss of Barratt Developments, a homebuilder, said this week that there had been "a tightening of lending criteria and mortgage availability".

一家房屋建筑公司Barratt Devlpmet 的老板马克克莱尔这本周表示这个市场已经存在"贷款基准以及可得抵押贷款缩紧"。

Any bank or insurance company; any savings and loan association, building and loan association, cooperative bank, homestead association, or similar institution, or any receiver, conservator, liquidator, liquidating agent, or similar official or person thereof or therefor; or any common trust fund or similar fund maintained by a bank exclusively for the collective investment and reinvestment of moneys contributed thereto by the bank in its capacity as a trustee, executor, administrator, or guardian

ICA第3(3)豁免了任何银行或保险公司，任何储蓄和贷款协会，建筑和贷款协会，合作银行，宅基协会或类似机构，或任何接收人、监护人、清算人、清算代理、或类似的此类高级职员或个人；任何由银行管理、仅用作集体投资和再投资的共同信托基金或类似的基金，其中基金是由银行在其能力范围内作为受托人、执行人、管理人或监护人提供的。

Since March 16,1998 security markets begin pursuing ST system, by the end of 2003, there are 178 special treated companies. Before these companies were special treated, 106 listed companies have offered debt guarantee for other companies. 43 companies of these 106 listed companies make the contingent liability become real debt because guaranteed companies default contracts.

从1998年3月16日起我国证券市场开始推行ST制度以来到2003年底，共有178家公司被ST，其中在被ST的前3年中，存在对外担保的上市公司有106家，在这106家上市公司中有43家公司由于被担保公司逾期未还担保贷款而使上市公司的或有负债成为实际负债。

A few days ago, limited company of enterprise Asia interactive medium is in first Chinese mainland that appears on the market in Japanese stock market its Japanese website releases a message to say, cui Jianping of this company presiding apparitor falls in the circumstance that agrees without the board of directors, assets of privately divert company, the sum subsidiary Beijing this company is wide the time deposit of 106.9 million yuan of RMBs that inspects network technology serves as assure, the company of Beijing cowfish science and technology that runs before for Cui borrows money from the bank 103 million yuan of RMBs.

日前，首家在日本股票市场上市的中国本土企业亚洲互动传媒有限公司在其日文网站发布消息称，该公司首席执行官崔建平在未经董事会同意的情况下，私自挪用公司资产，将该公司的全额子公司北京宽视网络技术的1.069亿元人民币定期存款作为担保，为崔以前所经营的北京海豚科技公司从银行贷款1.03亿元人民币。

U.S. general aviation as a result of continued growth, the United States already have a complete general aviation industry, whose members include the following: United States aircraft manufacturers, parts manufacturers to the United States, the United States instrument avionics manufacturers, flight schools in the United States, the United States Flying Club, the United States Flight Simulator manufacturers, the United States maintenance base fixed, the United States airport development and management company, sales of U.S. aircraft, the U.S. aircraft leasing companies, aircraft broker the United States, the United States valued the company aircraft, the U.S. aircraft renovation company, the U.S. aircraft loans and insurance companies, property management companies to share the United States, the U.S. investment management business, the United States aviation fuel suppliers, the United States, such as security consultants.

由於美国通用航空的持续成长，美国已具备完整的通用航空工业，其成员包括：美国飞机制造商、美国零配件制造商、美国航空电子仪表制造商、美国飞行学校、美国飞行俱乐部、美国飞行模拟器制造商、美国固定维修基地、美国机场开发管理公司、美国飞机销售商、美国飞机租赁公司、美国飞机中介公司、美国飞机估价公司、美国飞机装修公司、美国飞机贷款和保险公司、美国产权分享管理公司、美国投资管理商、美国航油供应商、美国安全保障顾问公司等。

The guarantor agrees to undertake and perform the duty of warranty obligation according to the following conditions. That is, no matter the debtor can not repay overdue all or some principal, interest expenses, etc. in any period. Whether your financial company has adopted the juristic act to the debtor according to the regulation of loan agreement. After receiving the debtor′s beach notice from your company, Guarantor should pay the above-mentioned interest and expenses that assure the amount of money unconditionally, and should be undertaken by the debtor within five workdays. Your company can sequestrate the unit funds of our Finance Bureau through normal legal way too.

本担保人同意按下列条件承担和履行担保义务，即无论在任何时期借款人不能偿还到期的全部或部分本金、利息费用等，无论你财务公司是否按贷款协定的规定对借款人采取了法律行为、本担保人在接到你公司发出的借款人违约书面通知后，在五个工作日内无条件向你公司支付上述担保金额和应由借款人承担的利息和费用，你公司也可通过正常法律途径主动扣收我财政局单位帐款。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; 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; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；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。。。。。。

More than 20 per cent of ABC's loans are non- performing, according to the latest available figures, and analysts estimate a total clean-up of its balance sheet will cost more than $100bn, including further transfers of bad loans to state-owned asset managers.

根据所能获得的最新数据，农行超过20%的贷款都是不良贷款，分析师估计，彻底清理其资产负债表的费用将超过1000亿美元，其中包括将更多不良贷款转移到国有资产管理公司。

Redstone's family holding company, forcinghim to renegotiate $1.6 billion in bank debt.

这两家公司股票的下挫违反了雷石东家族控股公司持有的银行贷款条款，迫使他重新协商了16亿美元的银行贷款。

On closer examination, though, this is not a vote for multilateralism but just the opposite.

仔细审视后我们发现，这并非是对多边主义投出的赞成票，而是恰好相反。

Uncovering their weak spots, so I can defeat them.

揭露出他们的弱点，这样我就可以打败他们了。