英语翻译随着住房制度的全面推进和金融体制改革的逐步深入,作为住房金融重要组成部分的个人住房抵押贷款的发展随之成社会各方的

英语翻译
随着住房制度的全面推进和金融体制改革的逐步深入,作为住房金融重要组成部分的个人住房抵押贷款的发展随之成社会各方的关注热点.然而,住房抵押贷款数额大、年限长、作为抵押物的住房流动性和变现能力差、借款人的信用难以确定等因素,必然使住房抵押贷款迅速发展的背后隐藏巨大风险.
本文首先在对住房信贷的特点及本质分析的基础上,分析中国住房信贷当前的发展状况.接着通过对金融风险产生的机制分类和特点分析的基础上,对金融风险进行了概括.最后,结合对两者的认识,总体分析两者之间的关系及影响预测个人住房抵押贷款的金融风险,研究金融风险变化对住房贷款的违约水平变动的影响,并从促进房地产业可持续发展的思路出发,探讨住房金融风险防范的策略,对抵押贷款市场风险管理提出对策,及时采取措施,以尽量避免住房金融风险对我国金融体系的破坏性冲击.同时针对现存的住房金融风险,从房地产商自身行为、金融创新和政府干预的角度提出化解和转移风险的措施,以创造良好的住房金融生态环境,促进我国住房金融良性发展.

With the housing system in an all-round way and finance system reform,as the important part of the housing finance for personal housing mortgage loans will become focus of society.However,the housing mortgage loan amount of large,long life,as collateral for housing liquidity and liquidity is poor,the borrower's credit is difficult to determine the factors behind the housing mortgage loan,is bound to the rapid development of the hidden huge risks.
Firstly,based on analyzing the characteristics and nature of the housing credit in the housing credit,analysis of China's current development situation.Then through the analysis of mechanism of financial risk classification and characteristics,the financial risks are summarized.Finally,combined with the understanding of the overall analysis,the financial risk of personal housing mortgage loan prediction of the relation and influence between the two,research on financial risk change default level changes to housing loans,and from the point of promoting the sustainable development of the real estate industry ideas,explore the housing financial risk prevention strategy,for the mortgage market risk management measures,to take timely measures,so as to avoid the housing financial risk damaging to China's financial shocks to the system.At the same time,housing financial risk existing,put forward measures to eliminate and transfer risk from real estate developers own behavior,financial innovation and government intervention in the housing financial point of view,in order to create a good ecological environment,promote the sound development of China's housing finance.
我这个才是正确的!