各政策性银行未经批准，不得从事经济适用住房开发贷款业务。
Without approval, no policy Banks may operate affordable housing development loan business.
面向住房购买者和开发商的贷款只占到中国银行总贷款额的17%，相反美国的比例是56%。
Loans to homebuyers and property developers account for only 17% of Chinese Banks' total, against 56% for American Banks.
当住房消费成为新的消费热点后，房地产金融业务的重心也逐渐从房地产开发贷款向个人住房贷款业务转移。
When house consuming becomes hotspot, the real estate finance also transfers its center from development loan to individual housing loan gradually.
从房地产开发贷款到个人住房贷款，银行都提供了强有力的信贷支持，正是有了这种政策的支持才使我国的房地产价格不断攀升。
From real estate development loan to the individual housing loans, Banks provide a stronger credit support, Because of this policy of support to make our real estate prices rising.
建议增加土地供应，控制贷款，限制高档住房项目开发并支持低收入家庭，培养房地产品牌。
It is proposed that more land should be supplied, loan be controlled, superior quality housing be limited, low-income families be supported and housing trademark be fostered.
同时这些银行还没有消化好其不良资产，大部分都是给在土地上建房的开发商的贷款，这些资产几乎没有什么价值或者成为了这个国家70万空住房的一部分而已。
And they have yet to digest their toxic assets, mostly loans to developers to build on land that is almost worthless or occupied by some of the country's 700,000 empty homes.
在我国，由于这个险种开办时间较短，在险种的开发、保险金额及费率的厘定等方面存在诸多问题。本文提出应该从确定合理的保险金额和费率、建立风险防范机制等方面完善住房抵押贷款制度。
The paper analyses the questions on insurance rate, amount and so on, then points out that Bank and Insurance Company should set up risk mechanism and work out rational insurance amount and rate.
在我国，由于这个险种开办时间较短，在险种的开发、保险金额及费率的厘定等方面存在诸多问题。本文提出应该从确定合理的保险金额和费率、建立风险防范机制等方面完善住房抵押贷款制度。
The paper analyses the questions on insurance rate, amount and so on, then points out that Bank and Insurance Company should set up risk mechanism and work out rational insurance amount and rate.
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