第三十六条商业银行贷款，借款人应当提供担保。
Article 36 a borrower should provide guarantee for commercial bank loans.
德意志银行的Richard Parkus认为如果商业地产借款人不能大幅增加偿还资金，在美国发行的所有商业抵押担保证券的70%将无法用于再融资。
Richard Parkus, of Deutsche Bank, thinks that 70% of all CMBS issued recently in America will not be able to refinance without a big increase in the capital that borrowers stump up.
信贷评级机构Realpoint表示，在过去的12个月里已有近290亿美元，约占整体的3.5%的商业抵押担保证券贷款成为拖欠账款（借款人没有按时交纳利息）。
Realpoint, a credit-rating agency, says that nearly $29 billion of CMBSs, around 3.5% of the total, have become delinquent (ie, borrowers have not kept up interest payments) in the past 12 months.
商业贷款担保的一个重要特点是，借款人需要把反担保贷款。
An important feature of commercial secured loans is that the borrower needs to put a security against the loan.
由此，商业银行的管理人员必须对借款人所在行业的最新趋势和经济周期进行预测。
Therefore, commercial bank management must forecast the recent trends in the borrower's line of industry and economic cycle.
地方商业银行也往往偏向于有相当大的资产的大公司借款人的。
Local commercial Banks too are often biased in favor of large corporate borrowers with considerable assets.
第三十七条商业银行贷款，应当与借款人订立书面合同。
Article 37 For granting a loan, the commercial bank shall conclude a written contract with the borrower.
借款人违约将直接导致商业银行产生不良贷款，造成信用资产损失，并侵蚀银行的资本金。
Once the debit side break the loan contract that the commercial will bring bad assets, lead to loss and erode the capital of bank.
第三十六条商业银行贷款，借款人应当提供担保。
Article 36 To obtain a loan from a commercial bank, a borrower shall provide a guaranty.
对同一借款人的贷款余额与商业银行资本余额的比例不得超过百分之十；
The ratio between the balance of loan of one borrower and the balance of capital of the commercial bank must not exceed 10%;
个人商业用房贷款是指银行向借款人发放的购置自营性商业用房和自用办公用房的贷款。
Personal commercial housing loan means a loan lent by any bank to the borrower for it to purchase a self-operated commercial housing or a self-used official housing.
本文提出一种“V形”期权模型，并以此来刻画中国商业银行公司贷款业务中隐含的借款人套利风险。
The V-shape option model is proposed in this paper, which was used for describing the latent debtor 's arbitrage risk in Banks' corporation loan business in China.
本文提出一种“V形”期权模型，并以此来刻画中国商业银行公司贷款业务中隐含的借款人套利风险。
The V-shape option model is proposed in this paper, which was used for describing the latent debtor 's arbitrage risk in Banks' corporation loan business in China.
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