...外，2009年以来推出的一系列房地产降温措施，包括额外买家印花税（ABSD）、总偿债比率（TDSR）和房贷与价值比率（Loan-to-Value，简称LTV），应该会限制房贷质量的下滑幅度。
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股价与账面价值比率 Price-To-Book Ratio
市价与账面值比率 Market-to-book ratio
账面价值与股价比率 Book to price
企业的价值与营收比率 enterprise value-to-sales
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.
惠特尼周二称，银行类股股价与有形账面价值的比率已至少达到了约1.8倍，高于第二季度初的1.4倍。
On Tuesday, Ms. Whitney suggested the sector was 'at least fairly valued' at roughly 1.8 times tangible book value, up from 1.4 times book when the second quarter began.
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