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On the Securitization of Housing Mortgage Loans  [cached]
Xiang-guo LI
Canadian Social Science , 2009,
Abstract: It is important for the Chinese commercial banks to systematically identify and measure their credit risk concentrations and reduce the detected concentrations through financial innovation. This paper probes the significance and obstacles of housing mortgage loans the securitization and put forward some measures to facilitate the introduction of securitization. Keywords: Housing mortgage loans, Securitization, Special purpose vehicle (SPV) Résumé: Il est important pour les banques commerciales chinoises d’identifier systématiquement , de mesurer leur risque de concentration de crédit , de réduire la concentration détectée par l’innovation financière . Ce texte cherche à découvrir la signification et les obstacles d’emprunt-logement , et propose quelques mesures pour faciliter l’introduction de la sécurisation . Mots-clés: emprunt-logement, sécurisation, véhicule à l’usage spécial
On Barriers and Countermeasures for China Implementing Reverse Home Mortgage Loans  [cached]
Jun Zhao
Asian Social Science , 2009, DOI: 10.5539/ass.v5n3p168
Abstract: Along with the development of an aging society in China, pressures on social security are unavoidable. At this moment, China begins to execute reverse home mortgage loans, what is meaningful for the construction of harmonious society. This paper points out the barriers for China implementing reverse home mortgage loans and advances relevant countermeasures.
Secondary Market Products in the Mortgage System and Global Practices  [PDF]
Erhan Ero?lu
??letme Ara?t?rmalar? Dergisi , 2010,
Abstract: In general terms, the mortgage market has two faces, the primary and the secondary markets. The primary market covers housing mortgage loans. On the other side of the mechanism, these loans are securitized and issued in financial markets with different form of securities in secondary markets. The common name of these instruments is “mortgage backed securities - MBS”. A mortgage backed security is a financial instrument issued in capital markets for investors, derived from either backed by the cash flow of the housing loan repayments (which is called pay-through) or backed by directly selling the mortgage pools to the MBS issuers (which is called passthrough). The most trading secondary mortgage market instruments and world practices are explained in this article.
Mathematical Model of Housing Loans  [PDF]
Xiangrong Li
Modern Economy (ME) , 2010, DOI: 10.4236/me.2010.13019
Abstract: Currently, that individual use housing mortgage loans to buy houses has become a hot topic, and residents are very concerned about the debt repayment ways of individual housing mortgage loans. In this paper, using the time value of money principle, we establish equal principal and interest repayment model. Furthermore we test its validation and illustrate its specific application with an example in the economic life.
Common Problems of Mortgage Banking Development in Poland
Anna Szel?gowska,Mariusz Marl?ga
Contemporary Economics , 2007,
Abstract: In many countries the mortgage banking plays a basic role in the housing funding. The Polish model of the housing funding in large measure grounded on banking loans. However, more than 95% of mortgage loans come from universal banks. Mortgage banks, which have existed in the Polish economy for 10 years still play a small role in housing funding.
Analysis on the Willingness of Peasant Households for Forestland Use Right Transfer in the Background of Collective Forest Tenure Reform: A Case Study in Guangyuan City in Sichuan Province  [cached]
Minfeng Tang,Fang Wang
Sustainable Agriculture Research , 2012, DOI: 10.5539/sar.v2n2p76
Abstract: The objective of this study is to get a better understanding and accurate information regarding factors affecting the forestland transfer, providing first-hand information, and proposing policy implications. The forestland use transfer is the main content in the collective forest tenure reform in China at present. Individual household, as a basic unit of forest production, should be the major participant in the forestland transfer. Using survey data of 329 rural household in 18 villages of three counties, this paper analyzes influencing factors on rural householders’ willingness to partake in forestland use right transfer by employing Binary Logit Regression. Nineteen variables, which were identified as characteristics of householders and households, natural endowment of forestland resources and householders’s awareness of forestland policy. Results indicate that householders’ awareness of pertinent policies and population of the household demonstrate significantly positive effects, while forestland area owned by individual household shows a markedly negative effect on peasants’ willingness to participate in forestland transfer. Some policy implications are discussed in this paper.
On the Amendment and Perfection of Legislation of Mortgage  [cached]
Guohua She
Journal of Politics and Law , 2010, DOI: 10.5539/jpl.v3n1p116
Abstract: Among all real rights granted by way of security, mortgage, as the “King of Guarantee” has the special advantage. The Guarantee Law of the People’s Republic of China had nothing to start with. Since the application of the Guarantee Law of the PRC ten years ago, the author offers suggestions for perfecting the legislation of mortgage law of China from six aspects, namely setting up legal mortgage, subdividing and perfecting the mortgage of rights, distinguishing the combined mortgage and the common mortgage, creating the mortgage of securities and the mortgage of owners, constituting new consortium mortgage and floating mortgage, and forming the ship mortgage.
C-E Translation of Public Signs in Wuliangye Ten-Mile Liquor City, Yibin
Hongying Li
Open Access Library Journal (OALib Journal) , 2018, DOI: 10.4236/oalib.1104579
Abstract:
Yibin in Sichuan was hailed as the capital of Chinese Liquor. Liquor industry is one of the pillar industries in Yibin. Ten-mile Liquor City, the unique industry tourism garden in the Southern Sichuan, is a remarkable window for propagating Wuliangye liquor culture. However, flaws widely exist in the English version of the public signs, such as lack of translation, grammar mistakes, spelling mistakes, disagreement in translation, semantic fault, wordiness, etc., which not only brought inconvenience for foreign tourists but also damaged both the images of the enterprise and the city. This paper summarized flaws in the translation of public signs from the Wuliangye Ten-mile Liquor City and proposed countermeasures to improve the quality of the translation of public signs.
Northern Rock: The Crisis of a UK Mortgage Lender
Maria-Cristina UNGUREANU,Vasile COCRIS
Review of Economic and Business Studies (REBS) , 2008,
Abstract: The global market liquidity squeeze for securities that initiated in 2007 has increased pressure among banks to sell, pushed down prices, and impacted the market for interbank loans, leading to a funding gap at Northern Rock, Britain’s fifth largest mortgage bank. This paper presents an analysis of the events that lead to the collapse of Northern Rock in the second half of 2007 and its rescue by the UK Government towards the end of the same year and the beginning of 2008. The paper presents the implications and banking reforms proposed by the UK financial authorities.
NORTHERN ROCK: THE CRISIS OF A UK MORTGAGE LENDER  [PDF]
Maria-Cristina UNGUREANU,Vasile COCRI?
Scientific Annals of the Alexandru Ioan Cuza University of Iasi : Economic Sciences Series , 2008,
Abstract: The global market liquidity squeeze for securities that initiated in 2007 has increased pressure among banks to sell, pushed down prices, and impacted the market for interbank loans, leading to a funding gap at Northern Rock, Britain’s fifth largest mortgage bank. This paper presents an analysis of the events that lead to the collapse of Northern Rock in the second half of 2007 and its rescue by the UK Government towards the end of the same year and the beginning of 2008. The paper presents the implications and banking reforms proposed by the UK financial authorities.
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