| 单词 | 次级抵押贷款 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 释义 | 次级抵押贷款 —subprime mortgageSee also:次级贷款—subprime lending 抵押贷款—mortgage loan 抵押 n—collateral n 贷款 n—loans pl • a loan n • credit n • repayment n
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次级抵押贷款最初 在一些发达国家推出，作为扩大那些高风险并常常低收 [...] 入家庭的住房自有率的一种手段。 daccess-ods.un.org | Subprime mortgages were initially [...] promoted in some developed countries as a way to expand home ownership to high risk, often low-income families. daccess-ods.un.org |
人们注意到，在次级抵押贷款业务 及其后果的背后，有一个经济体制，其 “基础是不断积累利润、和必须持续增长以提供这种利润的冲动……。 daccess-ods.un.org | It has been [...] observed that beneath the subprime mortgage business [...]and its consequences, lies an economic system “built on [...]the drive for the steady accumulation of profit and the necessity of constant growth to provide that profit. daccess-ods.un.org |
自 2004 年以来，90%以上的次级抵押 贷款均 提供可 调利率，这种利率 在 最 初的低息期之后 [...] 大幅度增加。 daccess-ods.un.org | Since 2004, more than [...] 90 per cent of the subprime mortgages have offered [...]adjustable interest rates that increase sharply [...]after an initial low-interest period. daccess-ods.un.org |
而 次级抵押贷款利率较高，被视为具 有 较高的 因 不 付 款而取消 抵押品赎 [...] 回权的风险”。 daccess-ods.un.org | Instead, subprime mortgages carry a [...] higher interest rate and are seen as having a greater risk of foreclosure for non-payment”. daccess-ods.un.org |
许 多 次级抵押贷款发放者不 再 关 心 贷款条件，不再 关 心借款人是否最终有能 [...] 力 还款。 daccess-ods.un.org | Many subprime originators were no longer [...] concerned with the terms of the loan or whether the borrower would be ultimately able to afford the loan. daccess-ods.un.org |
次级抵押贷款由 出借人 (主要通过有价证券组合或债 务抵押债券的方式)全球出售给投资人。 daccess-ods.un.org | Subprime mortgages were sold by lenders (mainly through portfolio or collateralized debt obligations) [...] to investors globally. daccess-ods.un.org |
次级”抵押贷款这一 措辞用来指“对其收入或信用评级或其 财 产 净值不 符合根据当 时条件按照现行利率 为其提供常规抵押贷款的借 款人的” 贷款。 daccess-ods.un.org | Subprime” mortgage is a term used to refer to loans “given to borrowers whose incomes [...] or credit ratings or the equity in [...]whose property does not justify a conventional mortgage at the prevailing interest rate on prevailing terms. daccess-ods.un.org |
在繁荣时期，次级抵押贷款业务 有了扩展，但投资者对有关风险却不够了 解 ， 监 管和监督者缺乏应有注意，金融机构建立 [...] 了过多的杠杆能 力 ，出现 了住房 投 机和建筑 过多。 daccess-ods.un.org | The expansion of the subprime mortgage business was [...] accompanied by inadequate appreciation of the risks by investors, the [...]lack of due diligence by regulators and supervisors, the build-up of excessive leverage by financial institutions, and housing speculation and overbuilding during the boom period. daccess-ods.un.org |
关于贷 [...] 款 条件方面的歧 视，正如上文 在关于次级抵押贷款的叙 述 中所讨论，出借 人 常常 以低收入和少 [...]数民族 群体为目标 ，这些人否 则 会被认为对常规贷款而言风险过 高 。 daccess-ods.un.org | As for discrimination in loan conditions, as discussed in [...] the description of subprime mortgages above, lenders [...]have often targeted low-income and minority [...]communities, people who would otherwise be considered too risky for a conventional loan. daccess-ods.un.org |
同期，次级可调利率抵押贷款严重违约翻了两番，从 5.15% 增加到 20.43%。 daccess-ods.un.org | In the same period, [...] serious delinquencies for subprime ARMs quadrupled, from [...]5.15 per cent to 20.43 per cent. 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 |
与类似的正常抵押贷款借款 人相比，一笔 166,000 美元的贷 款，一个典型的次贷借款人头 4 年就要多付 5,222 美元。 daccess-ods.un.org | A typical subprime borrower was slated to pay $5,222 more during the first four years of a $166,000 mortgage compared [...] to a similar borrower with a normal mortgage. daccess-ods.un.org |
随着房屋抵押贷款及其 他信贷市场的问题在 2008 年变得更加严重，AIG 面临着大量问题，包括评级下调、FP 衍生工具合同导致要求提供抵押品以及 AIG 证券贷款投资组合产生的现金需求。 china.blackstone.com | As problems in [...] residential mortgage and other credit markets became more severe during 2008, AIG faced mounting concerns, including rating downgrades, collateral calls [...]emanating from [...]the derivatives contracts at FP and cash needs arising from AIG’s securities lending portfolio. blackstone.com |
在谨记汇款是私人资本流动的同时，在该流动过程中，有四个步骤可 最大限度地发挥汇款对发展的影响，即：(一) [...] 汇款流动的正规化；(二) 建立一 个扶持型和竞争性环境和有利的监管框架；(三) [...] 促进获得金融服务和资金的途 径(即，将汇款与其他金融产品例如分 级 储 蓄 产品、信贷、保险 和 抵押贷款 相联 系)；(四) 开发广泛的金融产品，包括为农村地区；推广使用新技术。 daccess-ods.un.org | (f) While keeping in mind that remittances are private flows, four steps in the process can be identified as maximizing the development impacts of remittances, namely: (i) formalizing remittance flows; (ii) establishing an enabling and competitive environment and conducive regulatory framework; (iii) promoting access to financial services and finance (i.e. linking remittances with other [...] financial products e.g. [...] scaled savings products, credit, insurance, and mortgages); and (iv) developing [...]the range of financial [...]products, including for rural areas, and promoting the use of new technologies. 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 |
税前亏损降低的原因是，首次抵押及国 际产品的贷款拖欠率降低，现有首 次抵押 和 国 际 贷款 的 逾期还款率上升， 首 次 抵 押 索赔的撤 销率增加以及确认若干二次抵押保单的止损限额，但这些因素由于私人学生贷款的拖欠率增 加而被部分抵消。 aiginsurance.com.cn | The improvement reflects lower levels of newly [...] reported [...] delinquencies in first-lien and international products, higher mortgage cure rates on existing first-lien and international delinquent loans, higher rescission [...]rates on first-lien [...]claims and the recognition of stop loss limits on certain second-lien policies, partially offset by increased delinquencies in private student loans. aiginsurance.com.cn |
此項改善歸因於Xstrata有抵押銀行貸款 的 再 融資以及因此從即期借款重新歸類為 非 即 期 借 款、償 還 各 項「可 再 次 提 取」短 期 融 資以 及 上 述營 運 資 金 投 資。 glencore.com | This improvement is attributable [...] to the refinancing of [...] the Xstrata secured bank loans and the resulting reclassification from current to non current borrowings, the repayment of various ‘re-drawable’ short term [...]facilities and the [...]investment in working capital as noted above. glencore.com |
对于资本不够充 足的抵押贷款经纪 人而言，问题更 加严重， 在 2006 年次级贷款发放 量中，这些经纪人发放了 63.3%，在贷款结果中所占份额 还觉得不够。 daccess-ods.un.org | The problem became even worse for thinly [...] capitalized [...] mortgage brokers, who originated 63.3 per cent of subprime loan volume in 2006, and did not have enough of a stake [...]in the outcome of the loans. daccess-ods.un.org |
在下述情形下可能出现同样 的情况：(a)设保人寻求取得排他性许可，这种情况将作为知识产权本身的转让 处理；(b)许可人如被提供额外保护，这种额外保护超出其简单终止许可协议所 得，将愿意发放非排他性许可；(c)被许可人作为次级许可人仅在能够取得次级 被许可人权利和任何对次级次级被许可人应付次级被许可人的次级许可使用费 受付权上的担保权的情况下，愿意发放非排他 性 次级 许 可 ；(d)购 置 款 融 资 非由 所有权人作为转让人或作为许可人提供，也非由被许可人作 为 次级 许 可 人提 供，而是由第三方出贷人提供。 daccess-ods.un.org | The same situation could occur where: (a) the grantor seeks to acquire an exclusive licence, which is treated as a transfer of the intellectual property itself; (b) a licensor would be willing to grant a non-exclusive licence on credit if it is granted additional protection beyond that which it would get by simply terminating the licence agreement; (c) a licensee, as a sub-licensor, is willing to grant a non-exclusive sublicence only if it can acquire a security right in the [...] rights of a sub-licensee [...] and any rights to payment of sub-royalties payable to the sub-licensee by a sub-sub-licensee; and (d) the acquisition financing is provided not by the owner as transferor or as licensor, nor by the licensee as sub-licensor, but by a third-party lender. daccess-ods.un.org |
在整 个 2008 年和 2009 年，抵押贷款拖欠率持续上升，至 2009 年底达到近 10%；连初 级贷款的拖欠率也已经接近 7%。 daccess-ods.un.org | Throughout 2008 and 2009, the percentage of mortgage delinquencies continued to increase, reaching almost 10 per cent by the end of 2009; even prime loans had delinquency rates approaching 7 per cent. 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 |
对家庭能源分级系统的信任是至关重要的，因为在美国出租工 厂 抵押 时 这些 分级体系被视为申请贷款的基 础：因为银行在为节能改造或者新建住宅提供贷款 时，要主要参考节能改造的节能效果，或者与最低能效标准新建住宅的节能量。 efchina.org | The reliance on the system of home energy rating systems (HERS) is particularly important because the mortgage lending industry in [...] the United States [...] recognizes these ratings as providing the basis for a loan: the bank will loan the amount [...]of money needed for [...]a retrofit or a loan the prospective buyer of a new home more money than they otherwise would, based on the present value of energy savings of the retrofit, or the present value of energy savings in the new home compared to minimum energy code compliance. efchina.org |
在加入 BDA 之前，他在 MIAC Analytics 公司的工作，主要从事第三方抵押资产定价，为 二 级 市 场 的对冲咨询 和 抵押贷款 分 析 及对冲模型，金融资产/负债提供解决方案。 bdallc.com | Before working [...] for BDA, he worked at MIAC Analytics in third-party mortgage asset pricing, secondary market [...]hedge advisory solutions, [...]mortgage analytics and hedging models, and banking asset/liability solutions. bdallc.com |
(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 |
首先，对于拿家庭物品这样的财产作 抵押的个人借款者可 能会有一些不公平做法； 其 次 ， 抵押 品 不易估值（任何种 类抵押品的估值都非易事，但如果象家庭物品之类的抵押品的价值是无形的或 者难以确定，抵押品的估值尤其困难）；第三，在小额金融业务中担保权的登记 特别困难；第四，一旦借贷人违约，执行和收债涉及一些特殊问题。 daccess-ods.un.org | First, there may be practices that are unfair for [...] an individual borrower that offers assets such as household goods as collateral; second, valuation of collateral is not easy (valuation of collateral is a problem that arises in respect of any type of collateral, but in particular when the collateral’s value is intangible or which may be difficult to ascertain, like household items); third, registration of security interests in a microfinance context creates particular difficulties; and fourth, enforcement and collection in the event of borrower default raises particular issues. 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 |
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 |
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 |
预计提前清偿将和OGIL完成发行775,000,000美元利率7.125%、 2023年到期的新高级抵押优先 留置权票据（“新票据”）及签订总额为350,000,000美元的新定 期 贷款 （ “定 期 贷款 ” ）合约同时发生。 tipschina.gov.cn | Such Early Settlement is expected to occur concurrently with the [...] closing of OGIL's offering of [...] $775,000,000 of 7.125% Senior Secured First Lien Notes due 2023 (the "New Notes") and its entry into a new $350,000,000 term loan facility (the "Term Loan"). tipschina.gov.cn |
这一数额与 2010-2011 年估计数相比多出 5 086 400 美元，主要原因是根据对信息服务活动的组织结构调整情况调入 员额和有关资源，由于预计专款项目 活动减少，以及将用于偿还联合国内罗毕办事处服务费的 支出调至次级方案 3，因此抵消了这一增加额。 daccess-ods.un.org | The amount reflects an increase of $5,086,400 compared to the estimates for 2010-2011, which is primarily the result of the inward deployment of posts and associated resources in line with the organizational realignment of information services activities, [...] offset by a reduction [...] in projected earmarked project activities, and the realignment of expenditures for reimbursement of services provided by the United Nations Office at Nairobi to subprogramme 3. daccess-ods.un.org |
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