| 单词 | 次级贷款 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 释义 | 次级贷款 —subprime lendingExamples:次级抵押贷款—subprime mortgage See also:次级 adj—secondary adj 次贷—subprime lending 贷款 n—loans pl • a loan n • credit n • repayment n 贷款—raise a loan (from e.g. a bank) • provide a loan (e.g. bank) 贷款 v—lend v
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加拿大的金融体系相对较好地逃脱了 全球金融危机的冲击；它们的银行避免了发放大量 的 次级贷款 ， 并 有更严格的关 于举债及证券化的规定。 daccess-ods.un.org | The Canadian financial system escaped from the global financial crisis [...] relatively well; their banks had avoided [...] making extensive subprime-type loans and had faced stricter [...]regulations regarding leverage and securitization. daccess-ods.un.org |
在 美 国，一些大型国家次级贷款出借 人的核心竞 争 力 是在市场营销和 销 售 ，而不是负责任地贷款。 daccess-ods.un.org | In the United States, some [...] large, national subprime lenders had core competency [...]in marketing and sales, not responsible lending. daccess-ods.un.org |
在美 国，所有次级贷款中，严重违 约（90 天或 90 天以 上违约或取消赎回权 ）从 2005 [...] 年第三 季度的 5.68%增加到 2007 年底的 14.44%。 daccess-ods.un.org | In the United States serious delinquencies [...] (90 days or more delinquent or in [...] foreclosure) for all subprime loans rose from 5.68 per [...]cent in the third quarter of 2005 [...]to 14.44 per cent at the end of 2007. daccess-ods.un.org |
尽管此种数据至少可以部分由族裔收入差异来解释，其他资料来源确认， 非洲裔 美 国人得到次级贷款的可 能性比 白 人 高 五 倍 ， 甚 [...] 至 在他们 有资格获得较 低 的 优质贷款利率 的情况下也 是 如此。 daccess-ods.un.org | While such data could be at least partly explained by ethnic income disparities, other sources confirm that [...] African Americans were five times more likely [...] to receive a subprime loan than whites, [...]even when they qualified for a loan at lower, prime rates. daccess-ods.un.org |
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 |
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 |
董事会有权酌情增设、修改和取消额外 窗口和次级结构或贷款设施。 daccess-ods.un.org | The Board will have the authority to add, modify and remove additional windows and substructures or facilities as appropriate. daccess-ods.un.org |
在该双年期的头六个月，已确定了一些 研究人员参加在国家一级对小额贷款 机 构 的政策和实际做法的调查。 unesdoc.unesco.org | In the first six months of the biennium, the researchers were identified to [...] participate in a national level survey of policies and [...]practices of MFIs. unesdoc.unesco.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 |
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 |
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 |
在获得第一次贷款之后 ，维诺妮卡的事业就开始起飞，而获得 200 美元的第二次贷款之后 ，她正在进行进一步扩展。 unicef.org | Veronica’s [...] business took off after her first loan, and now she’s expanding it even further with a second BRAC loan of nearly USD $200. unicef.org |
农发基金在不断发展的国际规范框架内根据其各种经验和最佳做法，在总裁 和高级管理层的坚定领导下，近几年里加强了同土著人民的接触，这种接触基于 三大支柱：(a) 在国际一级政策对话中起倡导作用；(b) 制订农发基金关于与土 著人民接触的政策，将其作为一种机构手段，促使该基金 的 贷款 和 赠 款方案及项 目系统化，以及加强农发基金的能力，从而能赋予土著人民权力，使其在区域和 国家两级参与 发展进程；(c) 提供小额赠款，在基层支助土著人民社区的自主发 展。 daccess-ods.un.org | Based on its experience and best practices, within the evolving international normative framework, and under a committed leadership of its President and Senior Management, the strengthened engagement of IFAD with indigenous peoples in recent years has been founded on three main pillars: (a) advocacy role and policy dialogue at the international level; (b) development of the Fund’s policy on engagement with indigenous peoples, as an institutional instrument to systematize [...] the Fund’s best [...] practices in its loans and grants programmes and projects and enhance the ability of IFAD to empower indigenous peoples to engage in development processes at regional and country levels; and (c) microgrants [...]in support of self-determined [...]development of indigenous peoples’ communities at grass-roots level. daccess-ods.un.org |
(a) Antonella Cordone(农发基金)就农发基金对土著人民的长期工作作了 专题介绍，重点是在国家一级发放的 贷款 和 小额赠款以及国际宣传和政治对话。 daccess-ods.un.org | (a) Antonella Cordone (IFAD) gave a presentation on the Fund’s long history of engagement [...] with indigenous [...] peoples, focusing on loans and microgrants at the country level, as well as international [...]advocacy and policy dialogue. daccess-ods.un.org |
这些资金的投资可望产生以下结果：在巴勒斯坦建造新的经济适用型居住 [...] 单元、在坦桑尼亚联合共和国平整有公共设施的地块、在乌干达为穷人建新房和 改造旧房、在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 、 在 尼泊 尔对储蓄和建造信用合作社进行信用展期。 daccess-ods.un.org | Investment of the funds is expected to 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 [...]and credit extension to save-and-build credit cooperatives in Nepal. daccess-ods.un.org |
他指出，保留已结束特派团的现金结余违反了财 务条例第 5.3 条，并说两个代表团反对继续将此种结 余作为次级维持和平储备基金使用，并请求对从这些 账户交叉借款的合法性进行说明。 daccess-ods.un.org | Recalling that retention of the balances in the accounts of closed missions was contrary to financial regulation 5.3, he said that the two delegations objected to the [...] continued use of such [...] balances as a secondary peacekeeping reserve fund and would request clarification regarding the legality of crossborrowing [...]from those accounts. daccess-ods.un.org |
其语法形式为：PMT(rate,nper,pv,fv,type) 其中，rate为各期利率，是一固定值，nper为总投资（ 或 贷款 ） 期，即该项投资（ 或 贷款 ） 的 付款期总数，pv为现值，或一系列未来付款当前值的累积和，也称为本金，fv为未来值，或在最后 一 次 付 款 后 希望得到的现金余额，如果省略fv，则假设其值为零（例如，一 笔 贷款 的 未来值即为零），type为0或1，用以指定各期的付款时间是在期初还是期末。 oapdf.com | The form of its syntax: PMT (rate, nper, pv, fv, type) which, rate for the period of interest rate is a fixed value, [...] nper for a total investment (or loan), that the investment (or loan) the payment of the total period shall, pv is the present value, or a series of future payments and [...] the current cumulative value, also known as the principal, fv values for the future, or the last payment in the hope that the cash balance, if omitted fv, the the assumption that its value is zero (for example, a loan that is the future value of zero), type is 0 or 1, for the designated time period for payment [...]in the beginning or end. oapdf.com |
资格评估 可在以下阶段进行：㈠在采购开始时，按照第 18 条[**超级链接**]进行资格预 审或根据第 49 条第(3)款进行预选；㈡在审查提交书期间（例如见第 43 条第(3) [...] 款(a)项，其所列否决投标书的理由之一是供应商资格不够）；㈢在采购程序的其 [...] 他任何时间要求已通过资格预审的供应商或承包商再次证明其资格（见本条第 (8)款(d)项和下文第…段的评注）；和（或）㈣在采购程序结束时只对中选供应 商或承包商的资格进行评估（见第 57 条第(2)款[**超级链接**]）或要求该供应 商或承包商再次证明其资格（第 43 条第(6)款[**超级链接**]）。 daccess-ods.un.org | Assessment of qualifications may take place: (i) at the outset of the procurement through pre-qualification in accordance with article 18 [**hyperlink**] or pre-selection in accordance with article 49(3); (ii) during the examination of submissions (see for example, that the grounds for rejection of a tender in article 43(3)(a) include that the supplier is unqualified); (iii) at any other time in the procurement proceedings when pre-qualified suppliers or contractors are requested to demonstrate again their qualifications (see paragraph (8)(d) of this article and the commentary in paragraph … below); and/or (iv) at the end of the procurement proceedings when the qualifications of only the winning supplier or contractor are [...] assessed (see [...] article 57(2) [**hyperlink**]) or when that supplier or contractor is requested to demonstrate again its qualifications (article 43(6) [**hyperlink**]). daccess-ods.un.org |
贷 款的管 理成本因而较高，因为借贷方法要求信贷员进行 多 次 现 场 走访，以对客 户进行评估，并帮助客户起草文件，随后再密切监测发放的多笔小 额 贷款 的偿 还情况。 daccess-ods.un.org | Loan administration costs are therefore significant, since the lending methodology requires numerous on-site visits by loan officers to assess clients and assist them in preparing the documentation, and later to closely monitor repayment of the resulting large portfolio of small loans. daccess-ods.un.org |
农发基金近几年来加强同土著人民的接触是基于三大支柱：(a) 在国际一级 发挥倡导作用；(b) 农发基金根据其贷款和赠 款方案最佳做法拟订关于与土著人 民接触的政策；(c) 提供小额赠款，在基层一级支助 土著人民社区的自主发展。 daccess-ods.un.org | The strengthened engagement of IFAD with indigenous peoples in recent years has been founded on three main [...] pillars: (a) advocacy [...] role at the international level; (b) development of the IFAD Policy on Engagement with Indigenous Peoples, based on the Fund’s best practices in its loans and grants programmes; and (c) microgrants in support of self-determined development of indigenous peoples’ communities at the grass-roots level. daccess-ods.un.org |
若因我方违反次级合同 责任，使得合同物品不能按照合同规定使用，甚至是在订立合同之前；例如，因为疏忽或不当意见、或不当说明；则除非买方提出额外索赔，则第 六 款第 5-8 条中规定的我方责任应适用。 oase-livingwater.com | If the contractual object cannot be used as stipulated in the contract due to culpable violation of secondary obligations to which we are obligated, even prior to conclusion of contract; for example due to omitted or incorrect consulting, or incorrect instructions, then under exclusion of additional claims on the part of purchaser, the provision set forth under Roman numeral VI no. 5 - 8 shall apply accordingly for our liability. oase-livingwater.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 |
欧洲新兴经济体的居民和金融机构拥有全球金融危机核心 的 次贷 资 产 较少， 而他们的脆弱性是由于其主要贸易伙伴国内生产总值显著下降而他们的出口大 幅减少、汇款快速 下降、商品价格崩溃，但最重要的是来自其经济发展对外部资 本市场注资的依赖。 daccess-ods.un.org | Residents and financial institutions in the European [...] emerging economies [...] owned few of the subprime assets at the heart of the global financial crisis; instead their vulnerability resulted from large declines in exports owing to the significant declines in GDP in their major trading partners, a rapid fall-off in remittances, the collapse in [...]the price of commodities, [...]but most importantly from their dependence on external capital markets for financing their economic development. daccess-ods.un.org |
此外，财政方面的培训也不属于粮农组织的任务范围，虽然也曾进行过一些 培训，指导土著人民如何建设和维持社区 一 级 的 储蓄 和 贷款 俱 乐 部和合作社。 daccess-ods.un.org | Furthermore, it is not within the mandate of FAO to cover financial training, although some training of indigenous [...] peoples in the construction and [...] management of savings and loans clubs and cooperatives at a community level does occur. daccess-ods.un.org |
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