中国人民银行关于做好差别化住房信贷…
在这种情况下，住房信贷虚幻与迅速扩张的需求。
In this case, the housing credit illusory with the rapid expansion of demand.
近年来，我国信贷政策调整的重点是住房信贷政策。
In recent years, our government has been concentrating on the adjustments on loan policies, the key sector is housing loan.
住房信贷借款人的数量正以每年100%或以上的速度增长。
Lenders are experiencing annualized growth rates in mortgage volumes of up to 100% or more.
最后，对如何形成规范合理的住房信贷市场提出了几点建议。
Finally, some Suggestions on standardizing housing credit market behavior are proposed.
随着住房信贷增速放慢，贷款人资产、负债和收益的增长速度也可能放慢。
As growth in housing credit slows, growth in lenders' balance sheets and earnings is also likely to ease.
利用某商业银行的住房信贷数据构建了基于后验概率的支持向量机评估模型。
A SVM model based on the posterior probability is bring forward by using a commercial bank's housing credit data.
研究发现，逾期与房价指数因子对商业银行住房信贷业务的违约风险影响最大。
The empirical results indicate that overdue times-housing price index is the most important factor influencing the default risks.
本世纪初，我国住房信贷市场推出了转按揭业务，极大地激活并繁荣了我国的二手房市场。
Early in this century, our country's housing credit market borrowed the transfer of mortgage business. It activated and flourished the second-hand house market.
美国的抵押贷款证券市场将受到考验，该证券是由美国住房信贷巨头房利美和房贷美发行的。
In America the market for mortgage securities issued by Fannie Mae and Freddie Mac, America's housing-finance giants, will be tested.
在房地产信贷业务迅猛发展的同时，也使住房信贷风险逐步成为商业银行经营风险的一个重要方面。
In the rapid development of real estate credit business, while also housing the credit risk of commercial Banks has gradually become an important aspect of risk.
对政策性住房信贷业务、住房公积金和商业性的个人住房抵押贷款的现状、问题进行较为详细的分析。
It also analyzes in detail the current situation and problems in policy-related residential credit business, residential accumulation fund and the housing mortgage loans.
文章认为，尽管住房信贷正逐步成为商业银行的业务增长点，但是考虑到居民可支配收入的增长情况和空置商品房数量，住房信贷面临一定的潜在风险。
It is shown that some potential risks can be signaled through the slow-down growth of households' dispensable income and unsold house, though housing credit is dramatically expanding.
整个信贷繁荣期间，廉价资本流入希腊、爱尔兰、葡萄牙和西班牙，为贸易赤字和住房泡沫提供资金。
During the credit boom, cheap capital flowed into Greece, Ireland, Portugal and Spain to finance trade deficits and housing booms.
不过，暂且不论我们怎么走到了这步田地，眼下在住房、抵押贷款和信贷市场的问题已给整个经济领域带来了侵袭，这种显而易见的危险是无法被忽视的。
But, regardless of how we got here, the clear and present danger that the virus in the housing, mortgage and credit markets is infecting the overall economy is too great to ignore.
房利美和房地美的信贷问题很大程度上只是住房市场整体弱点的一个写照。
Fannie and Freddie's credit problems are largely a reflection of the overall weakness in the housing market.
新的房地产贷款政策目的在于为建立社会住房保障体系提供信贷支持，从而促进社会的稳定。
The real purpose of this new property loan policy is to boost credit support for building an a ordable housing system for social security purposes.
促进普通商品住房消费和供给，加大对中小套型、中低价位普通商品房建设的信贷支持。
We will expand consumption and supply of ordinary commercial housing, and increase credit support for building small and medium-sized condominiums at low and medium price levels.
这种前景显示出住房和信贷危机对美国经济造成了怎样的破坏。
The grim prognosis shows the extent to which the housing downturn and credit crunch have damaged the U.S. economy.
尽管这样，这个国家的住房抵押银行一直在发行债券，并以信贷危机之前类似的规模发放抵押贷款。
Nevertheless, the country's mortgage Banks are continuing to sell bonds and issue mortgages at a pace similar to that before the credit crisis.
业界最后仅存的支柱力量也出现了裂缝，很明显，个人消费者和公司信贷场和住房抵押市场将会迎来更大的亏损。
And cracks have appeared in the industry's last remaining pillars of strength as it becomes clear that big losses are coming in consumer and corporate credit as well as mortgages.
数百万幢住房被银行收回、信贷继续紧缩再加上恶化的经济状况导致市场上充斥着大量的未售出房屋。
Millions of home foreclosures combined with a continuing credit squeeze and a deteriorating economy have led to a glut of unsold houses on the market.
分析师们表示，与美国或西班牙的情况不同，中国的住房市场热潮并没有那么严重地依赖于宽松信贷，而且中国不断城市化的人口仍然有实际住房需求。
China's housing boom wasn't as heavily fueled by easy credit as those in the U.S. or Spain were, analysts say, and there is still real demand for homes from its urbanizing population.
很多家庭失去了住房，银行紧缩信贷，导致其他人贷款变得很困难。
Families lost their homes, and banks tightened credit, making it more difficult for others to borrow money.
国债收益率会影响住房按揭贷款利率等其他信贷成本，它往往会在经济形势改善时上扬。
Treasury yields, which influence other credit costs like home mortgage interest rates, tend to rise when the economy is stronger.
例如，将商业性住宅的按揭首付强制性提高至30%，银行则必须阻止消费性信贷被用于住房购置。
For example, mandatory down payments for commercial residential housing were raised to 30%, and Banks must prevent consumer loans from being used for the purchase of housing.
而这种看法使得放宽借贷标准有了正当的理由：那些信贷记录不佳的住房拥有者可以在二到三年的时间里以更加优惠的条款进行再融资，因为届时他们的房产已经升值了。
That justified relaxed lending standards. Homeowners with weak credit histories could refinance loans on more favorable terms in two or three years because the value of their houses would have risen.
那些美元涌入美国，并造成信贷流向那些原本无法负担住房的美国人。
Those dollars flooded the US, allowing credit to flow to Americans who bought homes they could ill afford.
那些美元涌入美国，并造成信贷流向那些原本无法负担住房的美国人。
Those dollars flooded the US, allowing credit to flow to Americans who bought homes they could ill afford.
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