为此，试图建立一个考虑居民收入增长的个人住房抵押组合贷款理论模型，通过该理论模型可以确定合理的贷款期限以及各年的还本付息额。
To study the combined housing mortgage loan, we established a theory model for it. Through this model, we can work out the term of loan, the repayment of capital and interest every year.
理论上，这会让银行发放贷款时更保守，而且当借款人无法偿还时，银行可以弥补自己的损失。
In theory, this would make Banks more conservative in lending out money, and allow them to cover their own losses when borrowers can't pay up.
所以我们有 11 万亿住房按揭贷款建立在这种理论基础上，那些按揭人的实际收入变得不再重要，因为房子本身会不断增值。
So you had 11 trillion of residential mortgage debt built on this theory that who was borrowing it, what their income was really wasn't that important because the house itself had to go up in price.
第二章分析了贷款组合与优化决策的理论基础。
The second chapter analyzes the theoretical ground of the loan portfolio and its optimization.
在理论上，银行贷款能够覆盖持续时间长度的时间使你打算拥有自己的车。
In theory, the bank loan should cover the duration for the length of time that one intends to own the car.
旨在为商业银行进行贷款损失准备金的计提提供理论上的模型依据。
The purpose of this model is to provide theoretical basis for the loan loss reserve fund for the commercial bank.
本文在学术界第一次从经济法学的角度系统而全面地阐述了贷款欺诈及其法律控制的一般理论问题和实践问题。
This thesis interpret the general theory and practice problems in loan fraud and its legal control from the Angle of economic law systematically and comprehensively.
第四部分是制度与贷款质量之间相互关系的理论分析。
Part four is the theory analysis of the interreaction between the institution and loan quality.
从理论上讲，银行可以快速列支不良贷款的坏账损失，然后通过吸收新资金，来填补这些漏洞。
In theory, it makes sense for Banks to swiftly recognize the losses embedded in bad loans - and then make up for those losses by raising fresh capital.
本论文拟从银行贷款角度，运用现代管理理论与技术对该项目进行全面评估，并提出建设性意见与建议。
This thesis is trying to conduct a full evaluation of the project using modern management theory and technique from the bank lending angle, and to provide constructive comment and proposals.
首先介绍了最终贷款人的基本观点，指出迅速变化的金融环境对这些传统意义上的最终贷款人理论提出了严峻的挑战。
First, the author introduces the basic views of final loaner, and points out that these traditional final loaners face serious challenges because of the fast changing of financial environment.
本文首先讨论了住房抵押贷款证券化的理论基础，及其对资本结构理论的挑战，然后对银行抵押贷款证券化的收益与风险进行了分析。
The theoretical principles underlying the securitization of housing mortgage and their challenges to the capital structure theories are discussed, and SHM's benefits and risks analyzed.
该模型运用货币资金时间价值理论，假设高校可用于偿还贷款本息的非限定性净收入呈稳定增长的态势。
With the timing value of cash theory, the model supposes that the unlimited net revenue which can be used to pay off the debt increases steadily.
然而根据VAR理论推算出的个人住房贷款非预期损失却大大超过了4%的配置标准。
Nevertheless, according to the theoretical VAR projected housing loans to individuals of non-expected losses greatly exceeded the 4% of the standard configuration.
在决策树理论的指导下，通过信息增益的应用和公式的构造获取属性重要程度评价值，结合决策树挖掘得到个人住房贷款风险评估模型。
Based on the theories of decision tree, this paper gets the importance assessment value among attributes through applying information gain and constructing formula.
理论上，这表明，他们中的至少4百万人将成为低贷款率者，他们将发现从银行借钱变的困难。
In theory, this suggests that more than 4 million of them are heading for such poor credit rating that they will find it difficult to borrow in the future.
接着介绍了住房反向抵押贷款的几种主要理论基础；
Then introduce several major theoretical foundation on the reverse mortgage housing loans;
如何把握机遇，提高陕西省借用国外贷款规模和质量，无疑是一个理论上和实践上都非常值得研究的课题。
Therefore, how to take the chance to enhance the scale and the quality of foreign loan in Shaanxi province is no doubt desirable study subject no matter in theory or in practice.
运用基于期权定价理论的KMV模型来得到公司的预期违约率和违约损失，从而能合理地确定贷款利率。
The KMV Model, which is based on Merton′s option pricing theory, is applied to get the expected default frequency and default loss of the loan.
通过分析西方商业银行经典的贷款定价理论，可以为完善我国贷款定价体系提供借鉴。
This paper analyses the classic loan pricing theories practiced by western commercial banks, and puts forward some suggestions for the improvement of loan pricing system for Chinese banks.
贷款人对企业财务信息的关注不只是会计信息决策有用性的理论问题，更重要的是银行如何加强对贷款风险有效控制的一个非常实际的问题。
Lender's using of accounting information is not only a theoretical issue about the accounting information usefulness for decision making but also a practical problem in bank credit risk management.
对森林资源资产抵押贷款的理论特征和实践意义进行规范研究。
The theoretic characteristic & practical significance for financing based on pledge of forest resources assets were discussed.
因此以控制贷款风险为核心的高校财务风险管理就成为高校财务管理和公共财政面临的最大理论与现实问题。
Therefore, how to control financial risk of universities have became the academic problem and practical problem in university's financial management and public financial.
首先，作者简述了现代商业银行贷款定价的理论依据：信贷配给理论、利率的逆向选择、利率的激励效应和贷款担保理论。
Firstly, the author discusses the loan pricing theory, this means credit rationing, converse selection and inspirit effect, etc.
本文根据金融数学的理论，在随机市场利率的条件下，研究了提前还贷对贷款人或债权人的收益或损失，以及这些收益或损失的风险额度。同时也分析了提前还贷的赔偿金问题。
Using the theory of finance mathematic, in this paper we discuss the proceeds or loss of the loaner for giving back loan forward and the risk of it under the situation of random interest rate.
由于反向抵押贷款兴起时间不长，并且在中国并没有完全开展开来，本文旨在做一个学术行的讨论，在反向抵押贷款定价上进行一系列的理论研究。
Since the rise of reverse mortgage is not long, and carried out in China is not completely open to, this trip to do an academic discussion of reverse mortgages in a series of pricing theory.
由于反向抵押贷款兴起时间不长，并且在中国并没有完全开展开来，本文旨在做一个学术行的讨论，在反向抵押贷款定价上进行一系列的理论研究。
Since the rise of reverse mortgage is not long, and carried out in China is not completely open to, this trip to do an academic discussion of reverse mortgages in a series of pricing theory.
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