第一部分，浮动抵押的一般理论。
The first part is about the general theory of the floating charge.
第二部分，国外有关保护浮动抵押权人利益的制度。
The second part is about the foreign mortgagee the protection of the interests of the floating system.
对浮动抵押的债务人和抵押物的范围，提出合理建议。
Put forward reasonable proposals of the scope of the debtor and the collateral.
对浮动抵押的债务人和抵押物的范围，提出合理建议。
The debtor whose property is subject to the mortgage is called the mortgagor.
全文主体包括三大部分：第一部分：浮动抵押制度概述。
This paper is consisted with three parts: part one: the description of the floating charge.
我国应该根据现实需要，引入浮动抵押制度，以完善我国的担保制度。
So it is necessary for our country to introduce the floating mortgage into our guarantee law in order to improve our guarantee law system.
浮动抵押与固定抵押的本质区别在于浮动抵押人可在正常经营范围内自由处分抵押物。
The substantive difference between floating charge and the fixed mortgage is the chargor has the right to carry on its business in the ordinary way.
1870年，英格兰衡平法院以判例的形式确立了浮动抵押制度，之后为许多国家接受。
In 1870, England balance court established floating charge system with the judicial precedent, and then many nations accepted it.
作为一项新制度，浮动抵押在其运行的过程中必然存在不足之处，还要结合实践逐渐予以完善。
But as a new institution, there are some limitations in its running process inevitably, so we should perfect it gradually in practice.
英国人比美国人更有可能实行浮动抵押贷款利率，因此他们就会从急剧下降的短期利率中大量获利。
Britons are much more likely to have variable-rate mortgages than Americans, so they have benefited more extensively from the sharp fall in short-term interest rates.
借款方发生或很可能发生以上情形之一的，贷款方书面通知借款方之日为浮动抵押财产确定之日。
If any case above said occurs or more than likely to occur, the floating Mortgage converts into being fixed Mortgage at the date of notice sent by the Lender.
借鉴各国对信用分级和评价制度的规定，在完善浮动抵押制度本身的同时，研究相应的信用配套制度。
Drawing upon the credit rating and evaluation system of other countries, do researches on corresponding credit systems while improve the floating charge system itself.
从外部体系的角度入手，考察浮动抵押与应收账款质押等相关制度的关系，发掘我国动产浮动抵押的体系缺憾；
In the view of the external system, examine the relationship between floating mortgage and pledge of accounts receivable and other related system, explore the defect of China's floating charge system;
抵押借贷公司已经为购房、购车人提供固定和浮动利率贷款几十年了。
For people buyinga house or a car, mortgage, lenders have offered fixed-rate and variable loansfor decades.
在危机发生之前，约有一半的抵押贷款按浮动利率；到去年年底，这一比例已经升至69%。
Before the crisis, around half of mortgages were at variable interest rates; by the end of last year, the share had risen to 69%.
西班牙的银行业亦卷入葡萄牙的危机，由于多数住房抵押贷款系浮动利率，因而加息极易使葡萄牙经济受创。
Spain’s banks are exposed to Portugal; the Spanish economy is vulnerable to rising interest rates because most household mortgages are variable-rate.
应允许未来可得收入抵押贷款，以便还款自动调整为借款人的浮动收入和家庭资产担保。
There should be income contingent mortgages, so that repayments automatically adjust to borrowers' fluctuating incomes and home equity can be insured.
这些国家的抵押贷款率逐渐采取浮动利率，然而，德国和法国的通常是固定不变的。
Mortgages are generally variable-rate in these countries, whereas they are fixed as a rule in Germany and France.
这项计划还寻求把尽可能多的浮动利率次级抵押贷款借款人转向更能承受的贷款。
The plan would also seek to switch as many borrowers as possible with subprime adjustable rate mortgages into more sustainable loans.
但这里有两个例外令人不无担忧：爱尔兰和西班牙是本区内房价被高估程度最高的地区；更糟的是，其抵押贷款按浮动利率计算。
But there are two worrying exceptions. In Ireland and Spain home prices are the most overvalued in the zone; worse, the bulk of mortgages are at variable rates.
对于那些采取浮动利率抵押贷款，利率增加时贷款人面临支付成本上升的国家的政策制定者来说，这无疑具有吸引力。
That has undoubted appeal for policymakers in countries where floating-rate mortgages expose borrowers to the risk of payment shocks as rates rise.
当摩根大通收购华盛顿互助银行时，它同时购入了一定份额的抵押贷款，包括可选择浮动利率抵押贷款。
When JPMorgan acquired Washington Mutual and EMC, it also acquired portfolios of mortgages that included option adjustable-rate mortgages.
五年期国债指数浮动利率抵押（ARMs）达3.56%，也位于记录低点，回到了2005年的记录。
And five-year Treasury-indexed adjustable-rate mortgages (ARMs) at 3.56 percent also set a record low, dating back to 2005.
5年期国债指数混合型浮动利率抵押贷款(Treasury - indexed hybrid adjustable - rate mortgages)平均利率从上周的3.48%降至3.41%，去年同期值为3.97%。
Five-year Treasury-indexed hybrid adjustable-rate mortgages averaged 3.41%, down from 3.48% the prior week and 3.97% a year earlier.
文章首先对优先权问题进行了概念上的探讨，接着详细说明了浮动财团抵押优先权的基本规则。
In the article the concept of the priority of floating charge is discussed first and then the basic rules of the priority of floating charge are expounded upon in detail.
这项计划还寻求把尽可能多的浮动利率次级抵押贷款借款人转向更能承受的贷款。
The plan would also seek to switch as many borrowers as possible with subprime adjustable rate mortgages into more sustainable loans .
我们采用浮动利率抵押贷款。
We'd adopt a floating rate foreign currency loan with security.
浮动利率的抵押贷款坏账率最高，这种贷款承诺在前几年实行固定低利率。
Defaults are highest for adjustable-rate mortgages - loans that promised a low, fixed-interest rate for the first few years.
浮动利率的抵押贷款坏账率最高，这种贷款承诺在前几年实行固定低利率。
Defaults are highest for adjustable-rate mortgages - loans that promised a low, fixed-interest rate for the first few years.
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