武汉电子水处理器:英文翻译

来源:百度文库 编辑:杭州交通信息网 时间:2024/04/28 12:21:44
随着城镇住房制度改革的深化,贷款买房已成为众多城镇居民购置住房、改善居住条件的现实选择.在央行的货币政策支持下,在加入世贸成功和2008年奥运会的利好消息轮番推动下,近年来,中国大量基础设施建设和城市房地产开发项目上马,房地产投资一直保持高速增长,同时带来了个人住房贷款市场的火爆.然而,从2001年开始,中国房地产业在一些局部地区出现了一些非理性的发展势头,在房地产投资大幅增加的同时,,房价不断飙升,已经渐渐脱离其内在价值,银行信贷资金暴露在可控风险之外 .与此同时,作为银行优质资产的个人住房贷款不良率也在上升.个人住房贷款借款人的资信状况根本无从调查、开发商经营不规范、与借款人矛盾纠纷不断、大量的假按揭充斥市场、抵押物无法变现、各商业银行恶性竞争,各种原因导致了商业银行不得不加强贷款风险的预警分析,并采取相应的防范措施,工作的重点已经逐渐从市场营销转移到风险防范上来,个人住房贷款市场发展呈现减缓的趋势.

关键词:个人住房 贷款 风险 防范

Along with the cities housing system reform deepening, the loan buys the room to become the multitudinous cities inhabitant to purchase the housing, the improvement housing conditions reality choice Under the central bank monetary policy support, in joins the world trade success and in 2008 Olympic Games' advantage good news takes turns under the impetus, in recent years, the China massive infrastructure construction and the city property development project started, the real estate investment continuously maintained the high speed growth, simultaneously brought individual housing to loan the market to be irritable However, starts from 2001, the Chinese real estate industry had some non- rational development tendency in some local areas, while real estate investment large increase, the house price unceasingly rises dramatically among them, gradually was already separated from in the value, the bank credit fund exposes outside the controllable risk At the same time, took bank high quality property individual housing loan is not good rate also in the rise Individual housing loan loan person's capital letter condition radically without knowing where to begin investigates, the developer management standard, with the loan person contradictory dispute unceasingly, the massive vacations according to does not uncover floods the market, the mortgage is unable to change presently, various commercial bank malignancy competition, each kind of reason caused the commercial bank to be able not but to strengthen the loan risk the early warning analysis, and took the corresponding guard measure, the work already gradually shifts with emphasis from the market marketing to the risk guards against, individual housing loaned the tendency which the market development presented slows down.
Key word: Individual housing loan risk guard

Along with the cities housing system reform deepening, the loan buys the room to become the multitudinous cities inhabitant to purchase the housing, the improvement housing conditions reality choice Under the central bank monetary policy support, in joins the world trade success and in 2008 Olympic Games' advantage good news takes turns under the impetus, in recent years, the China massive infrastructure construction and the city property development project started, the real estate investment continuously maintained the high speed growth, simultaneously brought individual housing to loan the market to be irritable However, starts from 2001, the Chinese real estate industry had some non- rational development tendency in some local areas, while real estate investment large increase, the house price unceasingly rises dramatically among them, gradually was already separated from in the value, the bank credit fund exposes outside the controllable risk At the same time, took bank high quality property individual housing loan is not good rate also in the rise Individual housing loan loan person's capital letter condition radically without knowing where to begin investigates, the developer management standard, with the loan person contradictory dispute unceasingly, the massive vacations according to does not uncover floods the market, the mortgage is unable to change presently, various commercial bank malignancy competition, each kind of reason caused the commercial bank to be able not but to strengthen the loan risk the early warning analysis, and took the corresponding guard measure, the work already gradually shifts with emphasis from the market marketing to the risk guards against, individual housing loaned the tendency which the market development presented slows down.
Key word: Individual housing loan risk guard