| 单词 | 抵押贷款危机 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 释义 | 抵押贷款危机 —mortgage crisisSee also:抵押贷款—mortgage loan 抵押 n—collateral n 贷款 n—loans pl • a loan n • credit n • repayment n 贷款—provide a loan (e.g. bank) • raise a loan (from e.g. a bank)
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必须审 查 抵押贷款危机和由此产 生 的全球金融危机背 后的原因，以评估其对适足住房权 的影响。 daccess-ods.un.org | The underlying [...] causes of the mortgage crisis and the resulting global financial crisis must be examined [...]to assess their impact [...]on the right to adequate housing. daccess-ods.un.org |
不过，还存在另一种比较悲观的情况，如果南欧经济体面临的严重问题得不 到解决，会引发欧元危机，其后果甚至比 2008 年的抵押贷款危机更加严重。 daccess-ods.un.org | However, there is another, more pessimistic scenario, in which failure to resolve the serious issues weighing on the economies of [...] southern Europe would [...] spark a euro crisis whose consequences would be even worse than those of the 2008 mortgage crisis. daccess-ods.un.org |
最近的住房和抵押贷款危机及随 后的金融危机在媒体上处于显要位置，引 起 国 际 关 注 。 daccess-ods.un.org | The recent [...] housing and mortgage crisis and the subsequent financial crisis have been at [...]the forefront of the media and international attention. daccess-ods.un.org |
金融和抵押贷款危机对许 多个人和家庭造成了严重影响。 daccess-ods.un.org | Many individuals and households have been seriously [...] affected by the financial and mortgage crisis. daccess-ods.un.org |
本报告第一节讨论了住房/抵押贷款和 金 融 危机。 daccess-ods.un.org | The first section of the present report [...] discusses the housing/mortgage and financial crisis. daccess-ods.un.org |
公民在 Zhilstroisberbank 中累积一部分住房费用，这样就有机 会 获 得低成 本抵押贷款。 daccess-ods.un.org | Citizens accumulate a part of the cost of housing in the Zhilstroisberbank and have an opportunity to take out an inexpensive mortgage. daccess-ods.un.org |
尽管小额信贷的基石是非抵押贷款， 但 Rozas 对小额金融 机构清 算的研究表明，抵押确实鼓励偿还贷款，即使是对于小额借款人而言。 daccess-ods.un.org | Despite the fact that the [...] cornerstone of microcredit is non-collateralized loans, Rozas’ research on MFI [...]liquidations indicates that [...]collateralization does incentivize loan repayment even among micro-borrowers. daccess-ods.un.org |
为确保残疾人在生活的各个方面在与其他 人平等的基础上享有法律权利能力而采取 [...] 的措施，特别是为确保残疾人享有平等权 [...] 利，可以维持身心健全，作为公民充分参 与，拥有或继承财产，掌握自己的财务， 有平等机会获得银行贷款、抵押贷款 和 其 他形式的金融信贷，以及确保残疾人的财 产不被任意剥夺而采取的此类措施 [...] 为使聋人和盲聋人的基本权利能够不受任何限制地得到尊重和完全行使，全 [...] 国支助残疾人理事会提交了一份法律提案，提议修改《民法典》的第 43 条、第 241 条和第 274 条关于对此类残疾群体的表达意愿的规定。 daccess-ods.un.org | Measures taken by the State party to ensure that persons with disabilities enjoy legal capacity on an equal basis with others in all aspects of life, in particular such measures as to ensure the equal right of persons with disabilities to maintain their physical and mental integrity, full participation as citizens, own or inherit property, to control [...] their own financial affairs [...] and to have equal access to bank loans, mortgages and other forms [...]of financial credit, and their [...]right not to be arbitrarily deprived of their property In order to ensure respect for the fundamental rights of deaf and deaf-blind persons and the full and unhindered exercise of those rights, CONADIS has submitted a bill that would amend articles 43, 241 and 274 of the Civil Code as they relate to the ability of persons with disabilities to express their will unequivocally. daccess-ods.un.org |
新西兰65 岁以上者的较低 比例反映了其较高的无抵押贷款的自 置居所比率。 daccess-ods.un.org | The relatively low rates for New Zealanders aged 65 years and over reflect their high rate of mortgage-free home ownership. daccess-ods.un.org |
因此，同本文件开头部分论及的作为 贷款抵 押将债务人资产扣押和变卖的做法相比，调解办法似乎既符合小额金 融 机 构的 利益，也符合客户的最大利益。 daccess-ods.un.org | Mediation therefore would appear to be in both the MFI and the client’s best interest versus a seizure and sale of the debtor’s assets used as loan collateral, which was discussed in the initial segment of this paper. daccess-ods.un.org |
试验性可偿还种子资金业务循环贷款方案下的当前业务将导致在巴勒斯坦 修建新的经济适用住房单位、在坦桑尼亚联合共和国平整有公共设施的地块、乌 干达贫困人口获得新的和整修的住房、尼加拉瓜通过小额信 贷 机 构 提 供住房小额 贷款的次级放贷、向尼泊尔的储蓄和建造信用合作社授信和在老挝人民民主共和 国创建抵押贷款市场。 daccess-ods.un.org | Current transactions under the experimental reimbursable seeding operations revolving loan programme will result in the construction of new affordable housing units in Palestine, the creation of serviced plots in the United Republic of Tanzania, new and upgraded homes for the poor in Uganda, secondary lending for housing microfinance [...] loans through [...] microfinance institutions in Nicaragua, credit extension to save-and-build credit cooperatives in Nepal and the creation of a mortgage market in the Lao Peoples Democratic Republic. daccess-ods.un.org |
他还说，如果金融资源源于国 内，就有助于各国尽可能减少货币错配问题 和 抵 御 金 融 危机 的 影 响。 daccess-ods.un.org | He also noted that, if financial resources were derived from [...] domestic sources, it would help countries to minimize currency mismatches [...] and withstand the impact of financial crises. daccess-ods.un.org |
第三：金融和经济危机在 每个国家的范围、深度和后果，大体上将取决于其 金融和货币系统的健全程度、国家 贷款机 构 的 累积资本和资金流动状况以及它们 对外国和企业银行系统的依赖程度，同时也取决于其黄金和外汇储备量以及偿还 外国贷款的能力，而最终则取决于其经济的稳定性、多样性和竞争力。 daccess-ods.un.org | Third: the scope, depth and consequences of the [...] financial and economic crisis within each individual country will largely depend on the soundness of its financial and monetary system, the capitalization and liquidity of its national lending institutions and [...]the extent of their [...]reliance on foreign and corporate banking institutions, and also on the volume of its gold and currency reserves, its ability to pay back foreign loans and ultimately the stability, diversity and competitiveness of its economy. daccess-ods.un.org |
在一些国家，妇女尤其是农村妇女仅可获得 10%的信贷津贴，主要是因为国 [...] 家立法和习惯法不允许妇女与丈夫或家庭男性成员一起分享土地所有权/产权， 或者因为将女户主排除在土地权计划之外，因此她们无法提 供 贷款机 构 要求 的抵 押品。 daccess-ods.un.org | women, especially rural women, mainly because national legislation and customary law do not allow them to share land ownership/property rights along with their husbands or male members of their families, or because female heads of household are [...] excluded from land entitlement schemes and consequently [...] cannot provide the collateral required by lending institutions. daccess-ods.un.org |
因此，进一步加强危机贷款设施的努力应侧重 于加强金融安全网的不同层次，以及加强不同级别机制之间的协调和一致性。 daccess-ods.un.org | Efforts to [...] further strengthen crisis-lending facilities should [...]therefore focus on enhancing the different layers of the [...]financial safety net as well as strengthening the coordination and consistency between the mechanisms at different levels. daccess-ods.un.org |
又敦促全体会员国采取一切适当措施，在获得金融服务，包括银行贷款、 银行账户、抵押贷款和其 他形式金融信贷 的 机 会 方 面消除对妇女的歧视，同时对 贫穷和未受教育的妇女给予特别照顾，协助妇女获得法律援助，并鼓励金融部门 将两性平等观念纳入其各项政策和方案 daccess-ods.un.org | Also urges all Member States to take all appropriate measures to eliminate [...] discrimination against [...] women with regard to their access to financial services, including bank loans, bank accounts, mortgages and other [...]forms of financial credit, [...]giving special attention to poor, uneducated women, to support women’s access to legal assistance and to encourage the financial sector to mainstream gender perspectives in their policies and programmes daccess-ods.un.org |
基金组织国际货币和金融委员会秘书概述了基金组织应对世界金融和经济 危机 2009-2010 年在贷款政策方面的发展。 daccess-ods.un.org | The Secretary of the International Monetary and Financial Committee of [...] IMF outlined the 2009-2010 [...] developments in the IMF lending policy in response to the world financial and economic crisis. daccess-ods.un.org |
(a) 为基本开支所必需，包括用于支付食品、房租 或 抵押贷款 、 药 品和医疗、 税款、保险费及公用事业费，或完全用于支付与提供法律服务有关的合理专业服 [...] 务费和偿付由此引起的相关费用，或国家法律规定的为惯常置存或保管冻结资 金、其他金融资产和经济资源所应收取的规费或服务费，但相关国家须先把酌情 [...]授权动用这类资金、其他金融资产和经济资源的意向通知委员会，且委员会在接 到此通知后五个工作日内未作出反对的决定； (b) 为非常开支所必需，但条件是相关国家或会员国已将这一认定通知委员 会并已获得委员会批准；或 daccess-ods.un.org | (a) To be necessary for basic expenses, [...] including payment for foodstuffs, rent or mortgage, medicines and [...]medical treatment, taxes, [...]insurance premiums, and public utility charges or exclusively for payment of reasonable professional fees and reimbursement of incurred expenses associated with the provision of legal services in accordance with national laws, or fees or service charges, in accordance with national laws, for routine holding or maintenance of frozen funds, other financial assets and economic resources, after notification by the relevant State to the Committee of the intention to authorize, where appropriate, access to such funds, other financial assets or economic resources and in the absence of a negative decision by the Committee within five working days of such notification daccess-ods.un.org |
在世界金融和经济危机问 题会议的谈判进程中，77 国集团加中国重申了这一 提议，方式是建立独立的国际债务仲裁制度，例如可能的话设立有可能遭遇债务 困扰的国家可向其申请暂停偿还债务的国际破产法庭，建立分摊负担的债务解决 机制，并根据拖欠后贷款计划建立对一国持 续 贷款机 制。 daccess-ods.un.org | The Group of 77 and China reiterated this proposal during the negotiation process for the Conference on the World Financial and [...] Economic Crisis, [...] through the establishment of an independent international system of debt arbitration, such as a possible international bankruptcy court, in which countries facing risks of debt distress can have recourse to a debt standstill, a debt work-out with a burden-sharing procedure to be established and a continued lending facility to the country under a scheme of lending in arrears. daccess-ods.un.org |
希望一个更强大的资本基础将 便于国际复兴开发银行向国际开发协会国家提供飞 地贷款，并希望受危机冲击最严重的脆弱国家将有更 多筹资机会。 daccess-ods.un.org | It was to be hoped that a stronger capital [...] base would facilitate [...] IBRD enclave lending to IDA countries, and that fragile countries worst hit by the crisis would have greater [...]access to financing. daccess-ods.un.org |
随着金融体系放松管制，住房融资在发展中国家也变得越来越重要，在这 些国家中，未 偿 抵押贷款债 务在许 多情况下超 过国内生 产 [...] 总 值 的 10%（但低于 20%，与丹麦的 100%或美国的 75%相比，仍然很低）。 daccess-ods.un.org | Accompanied by financial system deregulation, housing finance has also become increasingly important in [...] developing countries where in many cases [...] the outstanding mortgage debt is in excess [...]of 10 per cent of GDP (but less than [...]20 per cent, which is still low compared with 100 per cent in Denmark or 75 per cent in the United States). daccess-ods.un.org |
以将不动产(土地、建筑和房屋)抵押 给 贷款 人 (第 15条规定：“用于保证一笔资金 支付的抵押，即使是在抵押登记时债务人仍未收 到 抵押贷款 或 只收到部分贷款的 情况下，也是有效的。 daccess-ods.un.org | (Article 15 provides for that the “Gage applied for the guarantee of payment of a sum of money is valid even if at the moment of its registration the debtor has not yet received the payment for which the gage is made or has only received it partially. daccess-ods.un.org |
(e) 确保生活贫困的人、尤其是妇女有获得基本金融服务的权利，包括获 得银行贷款、抵押贷款和其他形式的信贷，以及安全、负担得起的储蓄 daccess-ods.un.org | (e) Ensure those living in poverty, in particular women, have access to [...] basic financial services, [...] including bank loans, mortgages and other forms of credit, and safe, [...]affordable means of saving daccess-ods.un.org |
在 12 个案例研究国家中可以发现四种（往往是相互关联的）政府应对措施：(i) “反经 济周期”措施，主要见诸于财政能力游刃有余的中等收入国家，这类措施使它们能够通过借 贷或利用累积储备金保持或增加支出（埃及、泰国和略逊一畴的亚美尼亚）；(ii) 有针对性 的社会保护，有些国家采取或强化了有针对性的措施，这些措施往往保护最脆弱的群体（阿 根廷、加纳、墨西哥、蒙古和泰国）；(iii) 以改革为导向、旨在抓住危机带来 的机遇提高成 本效益和针对性、改进施政的措施；(iv) 削减预算，一些国家均衡削减各个教育部门的预 算。 unesdoc.unesco.org | Four (often interlinked) categories of government responses can be distinguished in the 12 case study countries: (i) “counter-cyclical” measures, mainly observed in middle-income countries with manageable fiscal capacity, allowing them to maintain or [...] increase expenditure by [...] borrowing or drawing on accumulated reserves (Egypt, Thailand and, to a limited extent, Armenia); (ii) targeted social protection, with some countries taking or reinforcing targeted measures, which often protected the most vulnerable (Argentina, Ghana, Mexico, Mongolia and Thailand); (iii) reformoriented measures aimed at seizing the opportunity of the crisis to improve cost-efficiency, [...]relevance and [...]governance; (iv) budget cuts, which some countries have evenly distributed across all education sub-sectors. unesdoc.unesco.org |
这次金融和经济危机特别是对发展中国家妇女的经济赋权产生了不利影响， 其主要传导机制是：全球出口下降，直接影响到出口部门的生产，然后通过消极倍 [...] [...] 增效应对国内市场产生不利影响(特别是出口依赖型经济国)；发展中国家的资本流 入骤减；援助具有助长周期性波动的性质 ； 危机 对 移 徙工人产生影响，从而影响到 汇款；随 之而出现的是汇率贬值，影响到国内生产和价格；全球粮价的异常波动产 [...] 生影响；很多发展中国家财政紧缩已经导致重大公共开支的削减和社会发展收益的 [...] 减少，进而影响基本服务的提供，使社会发展成果付之东流，并影响生活品质。 daccess-ods.un.org | The main transmission mechanisms of the financial and economic crisis that have had negative impacts on women’s economic empowerment, especially in developing countries, have been the global decline in exports, which has directly affected production in the export sector and subsequently domestic markets through negative multiplier effects (especially in export-dependent economies); significant declines in capital flows to the developing world; the [...] pro-cyclical nature of [...] aid; the impact of the crisis on migrant workers and therefore on remittances; the consequent [...]exchange rate devaluation, [...]which has affected domestic production and prices; the impact of extreme volatility in global food prices; and the fiscal constraints in many developing countries that have already led to cutbacks in important public expenditures and social development gains, thereby affecting access to basic services, reversing social development gains and adversely affecting their quality of life. daccess-ods.un.org |
认识到世界金融和经济危机对发展的负面影响仍在不断显现，可能使在实现 [...] 千年发展目标方面取得的进展付诸东流，而且除其他外对实体经济造成影响，而 为了缓解危机的负面影响不得不增加 借 贷 ， 这就可能危及一些发展中国家的债务 可持续性 daccess-ods.un.org | Recognizing that the negative impact of the world financial and economic crisis on development is still unfolding and entails the possibility of undoing the progress made towards achieving the Millennium Development Goals, and that it may threaten debt sustainability in some developing countries, inter alia, through its [...] impact on the real economy [...] and the increase in borrowing undertaken in order to mitigate the negative [...]impacts of the crisis daccess-ods.un.org |
委员会同时还指出，目前的金融危机着重表明，利用各种有效 的贸易金融机制来抵御危机对出口商所产生的冲击十分重要，并为此建 [...] 议，此种机制应予增强，特别是对于中小型企业而言。 daccess-ods.un.org | Noting that the current financial crisis had highlighted the importance of [...] effective trade finance mechanisms to cushion [...] the impact of the crisis on exporters, the [...]Committee recommended that such mechanisms [...]be strengthened, in particular for small and medium-sized enterprises (SMEs). daccess-ods.un.org |
(B) 董事會可透過其認為在各方面均合適的有關方式及有關 條 款和 條 件籌集或擔保償付或償還該等資金，特別是以發行本公司的債權證、債券股證、債 券或其他證券的方式（不論直接地或以作為本公司或任何第三方的任何債項、責任或 義務的附屬抵押品方式）來籌集或擔保償付或償還。 asiasat.com | (B) The Board may raise or secure the payment [...] or repayment of such [...] sum or sums in such manner and upon such terms and conditions in all respects as it thinks fit and, in particular, by the issue of debentures, debenture stock, bonds or other securities of the Company, whether outright or as collateral security for any debt, liability or obligation [...]of the Company or of any third party. asiasat.com |
作为未成年人，她们不可以订立合同、不可以负债，不得将不动产登记 在其名下，未经丈夫或其他男性亲属的容许，她们不得购买、出售财产，或将 财产作为抵押物获取贷款。 daccess-ods.un.org | At that time, they could not enter into a contract and incur a debt, they could not register immovable property in their name, [...] and they could not buy, sell or [...] use property as collateral for loans without the explicit [...]permission of their husbands or other male relatives. daccess-ods.un.org |
當本 集團應佔共同控制實體之虧損等於或大於其於共同控制實體的權益（包括任何其他 無抵押之應收款項） 時，本集團不再確認進一步的虧損，除非本集團已產生負債或 代共同控制實體支付款項。 asiasat.com | When the Group’s share of losses in a jointly controlled entity equals or exceeds its interest in the jointly controlled entity, including any other unsecured receivables, the Group does not recognise further losses, unless it has incurred obligations or made payments on behalf of the jointly controlled entity. asiasat.com |
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