贷款与价值比率 Loan to Value Ratio 定义： 放贷风险比率，计算方法为抵押或贷款总额除以物业的估值。
当房地产价值过热时，他们改变规定：限制贷款与价值比率或提高房屋销售税率，他们近期已对更昂贵的房地产采取了这些措施。
When property prices heat up, they change the rules: restricting loan-to-value ratios or raising the tax on home sales as they recently did with more expensive properties.
笔者进行的研究以及与贷款公司老板的访谈显示，这些公司的贷款都有抵押，需求很旺，而且只要他们坚持严格的贷款与价值比率规则，就很少有违约的情况。
From my research and discussions with loan-company owners, their loans are collateralized and demand is strong, and as long as they adhere to strict loan to value ratio rules, defaults are rare.
中国银行的股票下跌，今年和交易，在价格与帐面价值的比率，假设这些机构将蒙受其贷款组合的重大损失。
The stocks of Chinese Banks fell this year and were trading at price-to-book ratios that assumed these institutions would suffer substantial losses on their loan portfolios.
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