mortgage和hypothecate二法律术语的汉译

mortgage和hypothecate是民法中两个有着很大区别的概念 ,然而 ,我国的一些英汉词典及法律词典似乎将其等同化了 ,结果导致汉译不准确 ,出现法律翻译中“专门术语不一致”现象。本文旨在分析这两个词的内涵 ,探讨其中文译法 。

Obstacles to the Mortgage Financing of Forest Rights and its Countermeasures

Current status of the mortgage financing of forest rights is introduced.Significance of the development of mortgage financing of rural forest rights is analyzed,indicating that the mortgage financing of rural forest rights is an inevitable trend of rural reform development,Mortgage financing of forest rights in rural China is an effective vector for the farmers' income increase project with financial support,explores the great potential of forest resources,promotes the coordinated development of forestry and financial services.Major obstacles for the mortgage financing of forest rights at present is pointed out,which are the high assessment fees,the complex mortgage valuation,the unsound element market of forestry,and the lack of risk protection mechanism.Countermeasures for the development of mortgage financing of forest rights is out forward.For instance,both government and Forestry Bureau should strengthen the circulation services,establish smooth evaluation mechanism,establish companies for rural assets platform,increase the interest subsidies for forest right mortgage and the risk compensation,strengthen the team construction and improve the service system.

A Review of Rural Policy-favored Petty Loan Forest Property Certificate Mortgage

Studying petty loan forestry property mortgage mode has significant practical meaning in fund-raising and income-increasing in the forest- agriculture industry,restructuring and expanding the industry as well as setting up scientific industrial public policies. On the basis of literature analysis and field research data,this paper will classify and analyze research papers studying in forestry,property mortgage,and therefore draws conclusions on relevant concepts of petty loan forestry property mortgage,economics and property rights theory as well. At present,the studies of petty loan forestry property mortgage are more practical that are lack of an overall theoretical framework. Considering China's real situation of petty loan forestry property mortgage mode,we have investigated some foreign cases in operating forestry property mortgage systemically and some challenges and difficulties confronted by stakeholders in real cases. Therefore,we put forward that in the current period the fund-raising in forestry industry should focus on establishing and improving an overall rural petty loan forestry property mortgage mode.

A Probe into the Mortgage Rates of Land Contract Management Rights Based on Unified Annual Output Value

The mortgage of land contract management rights has launched a pilot project in Ningxia,Hubei,Henan,Guizhou,Chongqing and other provinces,municipalities and autonomous regions,which provides a good solution to the problem of funds for rural development and plays a huge role in promoting local rural economic development.In the mortgage financing of land contract management rights implemented in various regions,how to determine a scientific,accurate and reasonable mortgage rate of land contract management rights becomes a difficulty troubling the mortgage financing of land.On the basis of unified annual output value of land,this article uses survey method,income capitalization method,and comparison method to analyze the value of land contract management rights,and finally determine the mortgage rates of land contract management rights.

Developing Situation and Countermeasures of Mortgage Financing of “Three Rights” in China's Rural Areas

By adopting archival analysis method and investigation method,this paper expounds the relationship between "three rights" mortgage and farmers' financing in rural areas,and conducts analysis on behavior choosing of "three rights" mortgage financing in rural areas.The results show that the farmers has strong need for financing,but the satisfaction level of need is not high;the farmers have many irregular channels of financing and there is a ubiquitous phenomenon of loan being rejected without mortgage;agricultural modernization,industrialization and scaling-up management have strong need for capital.The main problems yet to be solved in the process of carrying out "three rights" mortgage loan are expounded and corresponding countermeasures are put forward as follows:first,we should solve the problems of mortgage registration as quickly as possible,which is the prerequisite of implementing "three rights" mortgage loan;second,we should establish smooth evaluation mechanism,which is important condition for promoting "three rights" mortgage loan;we should solve the difficulties in confirmation of farmers' house as quickly as possible,which is indispensable element of expanding mortgage loan of farmers' house;we should effectively solve the problem of turning an asset into cash and assets disposal,which is the key to expanding "three rights" mortgage financing;we should establish sound forestry factor market,which is the main part of promoting healthy development of forestry right mortgage loan;we should formulate management methods of financing risk compensation fund of rural property rights and adopt rational measures to reduce taxation,which is the main approach to quicken offering of "three rights" mortgage loan.

Analysis of Risks in the Individual Housing Mortgage Loan with Game Theory

Through using game theory,a game model of lendingand borrowing money between banks and individuals isestablished to explain how the risks come into being and are transferred in the dynamic point of view.Some sug-gestions about how to avoid the risks are proposed.

Subprime Mortgage Crisis and the Exchange Rate Channel: Evidence from Six Countries of the Zone Euro-Med

This article proposes to assess the impact of the subprime mortgage crisis on the exchange rate channel in 6 countries of the Euro-Med zone. To do this, our analysis is based on three evaluation methods that allow us to conclude that the exchange rate channel is better evaluated by the non-linear approach of the countries studied. Thus, the depreciation of the exchange rate adopted by the countries of the Med zone did worse macroeconomic stability and economic convergence.

Analysis on Mortgage of Farmland Contractual Management Right and Countermeasures

In recent years, a series of pilot projects in mortgage of farmland contractual management right have been carried out in some regions. However, there is considerable dispute over whether the farmland contractual management right can be mortgaged in the practice of China's legislation on land circulation. We firstly introduced current situations of mortgage of farmland contractual management right in China. Then, we analyzed existing problems in mortgage of farmland contractual management right. Finally, we put forward corresponding countermeasures and recommendations, to bring into full play land use efficiency, more rationally distribute land resource, and further promote development of rural economy.

Rural Financial Innovation in China Viewed from Subprime Mortgage Crisis

The root causes of subprime crisis are analyzed based on the introduction of the definition and features of subprime mortgage loans:firstly,a loose financial supervision and regulation environment leads to weak risk awareness;secondly,the highly complex financial products enlarge the risk. Taking into account that our rural finance is characterized by vast territory,scattered distribution of population,small economic scale and insufficient mortgage,it is pointed out that rural finance has different development rules and patterns from urban finance. On the basis of introducing that there is an insufficient amount of formal finance in our rural finance and our informal finance is under a long-term suppression,the great significance of financial innovation to rural finance is discussed:firstly,it effectively increases financial supply;secondly,it gradually regulates and develops the informal finance. The enlightenment of subprime crisis to our rural financial innovation is explored:firstly,financial innovation is the driving force of rural financial development;secondly,to strengthen risk awareness is a prerequisite for financial innovation;thirdly,a flexible and effective supervision and regulation system is an effective approach to preventing financial risks.

＂Cold Shoulder＂ Experience of Farmland Property Right Mortgage--Based on the questionnaire of 1250 households in Jiangxi Province

Rural households field questionnaire survey found that current promotion pilot of agricultural property mortgage loan policy suffered the "cold shoulder" experience, and the analysis on the survey found that agricultural property mortgage loan pilot policy had significant effect on the economy in Jiangxi, which still had improvement space. Loan institutions obviously lack enough trust on the policy, leading in general reluctance to lending, and farmers suffered "loan embarrassing", trust loss, more loan difficulty and loan disdain. Therefore, it suggested that the mortgage policy for rural land property rights should be implemented according to different local conditions, so as to enhance the useful decisions of CPC Central Committee on financial benefits of farmland consolidation results.

Predictive Modeling and Expectable Loss Analysis for Borrower Defaults of Mortgage Loans

Home mortgage loan lending firms are exposed to many business risks.This paper focuses on the mortgage loan borrower risks and proposes a prospective loss analysis approach in regard to loan repayment defaults of borrowers.For this purpose,a predictive modeling is presented in three stages.In the first stage,occurrence of borrower defaults in a mortgage loans portfolio is modeled through the generalized linear models(GLMs)type regressions for which we specify a logistic distribution for default events.The second stage of modeling develops a survival analysis in order to estimate survival probability and hazard rate functions for individual loans.Ultimately,an expectable loss amount model is presented in the third stage as a function of conditional survival probabilities and corresponding hazard rates at loan levels.Throughout all modeling stages,a large and real data set is used as an empirical analysis case by which detailed interpretations and practical implications of the obtained results are stated.

Classification and Prediction on Rural Property Mortgage Data with Three Data Mining Methods

The Farmers Property Mortgage Policy is a strategic financial policy in western China, a relatively underdeveloped region. Many contradictions and conflicts exist in the process between the strong demand for the loans by farmers and the strict risk control by the financial institutions. The rural finance corporations should use scientific analysis and investigation of the potential households for overall evaluation of the customers. These include historical credit rating, present family situation, and other related information. Three different data mining methods were applied in this paper to the specifically-collected household data. The objective was to study which factor could be the most important in determining loan demand for households, and in the meanwhile, to classify and predict the possibility of loan demand for the potential customers. The results obtained from the three methods indicated the similar outputs, income level, land area, the way of loan, and the understanding of policy were four main factors which decided the probability of one specific farmer applying for a credit loan. The results also embodied the difference within the three methods for classifying and predicting the loan anticipation for the testing households. The artificial neural network model had the highest accuracy of 91.4 which is better than the other two methods.

The Pricing of Reverse Mortgages in the Chinese Market

Reverse mortgages(RM)are an attractive tool to increase retirement incomes and to face the needs of health care for elderly people.The investor in the RM market faces several risks:longevity risk,as retirees’life expectancy increases,interest rate risk,especially in the low-rate post-crisis period,property market risk,in the last stage of the current business cycle.In our pricing model we incorporate the overall risk of the RM,focusing on the feature of the developing Chinese market.

Love & Mortgage

Good looks and a steady job may not be enough in China’s increasingly competitive marriage market.More men feel forced to own a home before they can get down on one knee to propose. Rising real estate prices complicate matters, and may cause some men to abandon their marriage ambitions entirely.Writer

Survey of Framer Credit Demands in China with Tianjin as an Example

Giving farmers more rights and interests on land property is the basis of achieving balanced and coordinated economic development between urban and rural areas as well as building a sharing economy during the period of economic transition in China.Based on the survey data of suburban households of Tianjin,in this paper,measurement method was adopted to study factors influencing farmer s willingness on land management right mortgage.The results shows that the willingness of individual farmer on mortgage is not strong,however,their willingness on mortgage is bound to have a significant relationship with farmland right confirmation and land transfer and other factors.Finally,it is concluded that it is necessary to promote land transfer on the basis of land right of confirmation while carrying out farmland mortgage under the premise of large-scale operation in China.

Analysis of Institutional Dilemma of Forest Property Mortgage Loan

Forest property mortgage opens up a new financing channel to revitalize forest resources assets, but there are many restrictions to forest property mortgage loan from relevant legal norms and practices concerning mortgage loan policies.The paper analyzed the institutional dilemma of forest property mortgage loan in accordance with relevant laws and policies,and then made the recommendations,in order to provide a meaningful reference to perfect forest property mortgage loan.

Impending Crisis for Mortgage Lenders?

As housing prices start to drop, industry observers are divided overwhether the country’s banks might face huge losses from badmortgage

Mortgages Come to Shenzhen

The Shenzhen Branch of the People’sConstruction Bank of China has adoptedHongKong’s mortgage banking system asa way to privatize housing.Shenzhen,which was the country’s first special eco-nomic zone,is accepting applications forloans up to 70 per cent of the value of thehouse being purchased.The mortgage loansystem is also expected to be adopted

“房奴”英译的文化解读

近年来流行的词"房奴"常常被误译为"mortgage slave"。本文论述了对"房奴"的内涵与外延误读的原因,指出了目前英译存在的问题,并提出了解决的方法和相应的翻译原则。

关于美国次级房贷危机及其对中国经济的影响

美国次级抵押贷款危机，严重冲击了美国、欧洲、日本资本市场并波及中国，美欧政府及其央行果断迅速地加以干预、援助。本文论述了美国次级房贷危机的成因和影响，并论证了中关两国房地产市场是截然不同的，指出中国根本不可能发生类似危机，美国这场危机对中国大陆深圳上海证券市场的冲击将是全世界各国中最小的，并且总结了美国次级房贷危机对中国经济、资本市场发展的教训与启示。